Residency by Investment
Panama.
Permanent, in Thirty Days.
Five pathways to Panamanian residency, from $100,000 in an authorised forestry plantation to $300,000 in property, a deposit or a mix of both — approved in about thirty days, with one visit every two years to keep it.
Five Pathways. One Territorial Tax Regime.
A country that bridges two oceans and two continents, with the lowest entry threshold of any programme in this menu, an approval measured in weeks rather than months, and a tax system that reaches only what is earned inside it. Funds must originate abroad, and the investment is held for five years.
The Lowest Entry on the Menu
USD 100,000 into a reforestation or plantation project authorised by the Ministry of Environment is the least any programme here asks. At USD 350,000 the same route grants permanent residency outright instead of provisionally.
Territorial Taxation
Panama taxes what is earned inside Panama. Income arising abroad is outside its net and there is no inheritance tax. Gains on Panamanian real estate are taxable there, so the property route is the one to model before you buy.
Parents, at Any Age
The application covers a spouse, children under 18, single financially dependent children or students up to 25, and parents with no age restriction — the widest family scope of any residency programme we handle.
About Thirty Days
Approval is measured in weeks. The first ID card runs two years and renews for five more through the National Immigration Service.
Access to Premium Banking
A well-developed banking sector and legislation that keeps client affairs confidential. Confidential is not invisible: Panama exchanges account information under the international standard, and a residence permit is not a tax residency ruling for the country you are leaving.
A Lower Cost of Living
High standards of living at costs well below North America or Western Europe, in a warm climate and a stable, dollarised economy.
Business Expansion
A hub position between the Americas, and a residency that is a practical tool for taking a business into those markets rather than a document that sits in a drawer.
Wealth Diversification
A second jurisdiction for assets and a permit to live, work and study in it — the point of which is that it does not depend on the first one staying calm.
One Visit Every Two Years, or Five Years of Living There
Both are on the programme, and they are not the same plan. Keeping the residency asks for one visit every two years — that is the whole obligation. Applying for Panamanian citizenship asks for five years of continuous legal residence, which means actually living in the country rather than visiting it biennially. So the light-touch permit and the passport at year five are two different strategies, and choosing between them is the first conversation to have rather than the last.
Your Entire Journey, In One Panel
From eligibility to the ID card — and the conversion to permanent status two years later — the Bayat Group panel keeps every document, decision and milestone in one place, guided by Pathinnova AI and reviewed by our legal team.
Trees, Property, or a Deposit.
Six clauses across five pathways, all held for five years, all funded from abroad. One of them grants permanent residency outright; the rest grant it provisionally and convert after two years.
Non-binding estimate
Select the clause that describes your investment. Only clause 1.2 grants permanent residency without the two provisional years.
The lowest threshold on the programme, and it grants provisional permanent residency: after two years of holding it you apply for permanent resident status. Eligible dependents are a spouse, children under 18, single financially dependent children or students up to 25, and parents at any age.
Thresholds and fees are both published in US dollars, so these add up to a single figure — a "from" figure, because legal fees are published as a range and the total takes the lower end.
Legal fees are published as USD 2,000–10,000 and depend on the complexity of the file; every total above takes the lower bound, so treat them as a floor rather than a quote. The National Migration Service fee and the National Treasury deposit are each USD 5,000 for the main applicant and USD 1,000 per adult family member, and a further USD 2,000 per person is charged to include a dependent in the application. Investment funds must originate outside Panama, and the qualifying investment is held for at least 5 years. On the real estate and mixed routes, transfer taxes, closing and registration costs are additional and depend on the transaction; a gain on Panamanian property is taxable in Panama. Figures are indicative, non-binding, and confirmed during due diligence.
Four Steps, One Interview
Select a step to see what happens — the shortest process of any programme we handle.
Internal Due Diligence and Qualification Assessment
Bayat Group's compliance team conducts an internal due diligence check — a background security screening of the applicant, preparation of KYC (Know Your Client) documentation, and a qualification assessment. The point of doing it first is to minimise the risk of a refusal later.
Talk It Through. Then Begin.
Our concierge answers your Panama questions in minutes — and when you are ready, it opens your application right where the conversation ends.
Sending opens your secure Bayat Group account, where an advisor picks the thread up.
Assessed against your own circumstances, in about five minutes.
- It asks about your circumstances, not your paperwork
- It names the trade-offs before you commit to a route
- It ends with the programs you actually qualify for
A scripted example. Your own assessment is private, and takes about five minutes.
Assessment
An adviser that reads your circumstances, then the rulebook.
40+ official programs, each with its own arithmetic. The assessment maps those rules to your situation in a short conversation and tells you where you actually stand.
- It asks about you, not about paperworkWhere your family is going, what your work needs, what you would not give up. Navigating the rules is our business, not your burden.
- Clear, unbiased reasoningWhen options pull in different directions, it calls out the compromise, detailing what each path costs you before you decide.
- A shortlist tailored to youNo generic marketing. Just the programs your profile actually unlocks, with realistic timelines and capital commitments.
Step one of three
Where should we send your code?
One address, one five-digit code. No password to invent, and nothing sent to you that you did not ask for.
Step two of three
Check your email
We sent a 5-digit code to . It expires shortly, so it is worth doing now.
Setting up your assessment…
One moment.