Montenegro economic citizenship

A small Balkan state with a developing economy attracts many business people seeking to live, establish a commercial enterprise, and obtain legal status. The country expects to join the EU soon, and the prospect looks especially attractive to non-residents. Montenegro citizenship by investment provides multiple benefits. This is the second attempt by the authorities to draw capital into the tourism industry. The new procedure was projected to account for past mistakes, and the country’s reputation grew.
Fintech Harbor Consulting | Montenegro economic citizenship

Program requirements

It is essential to pass the due regulatory diligence check. Licensed agents began to receive additional questions regarding individuals whose requests had already been received by the department after the due diligence procedure and required final approval.
Banking compliance and background checks are very strict and are carried out in several steps. Applicants must undergo a compliance procedure at the bank to comply with the legal requirements regarding money laundering, terrorist financing, and tax evasion. Banks carefully study the biography and professional experience of the person. They must not be politically exposed, included in any sanctions lists, or associated with businesses or persons under sanctions.
Fintech Harbor Consulting | Montenegro economic citizenship

Benefits of the Crna Gora passport

The state is an EU candidate and will join it in 3 years. Golden ID holders will be able to travel to more than 100 destinations and go to the US E-2. This is a great opportunity to optimize taxes. The Montenegro citizenship by investment program runs until the end of the year, and the number of individuals is limited.
You can buy property for personal residence. But if you do not have a goal to live in this country, you can rent out apartments with high profitability. All objects are located in tourist areas, ski resorts, or hotel complexes.

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Procedures and time frame of the program

The initial step is a consultation at Fintech Harbor, where our specialists will tell you about all the possibilities. We will conduct a preliminary check of documents and help you choose an investment object from the list sanctioned by the authorities. Further, we prepare papers for cash transactions to the commonwealth fund. After that, we submit the request to the immigration committee, and they will issue a passport. Applications for citizenship by investment Montenegro are usually managed in 6-8 months.

How to qualify

You can only submit requests through a licensed agent. You do not need to visit the country in person, learn the language or take history exams. The client’s representative will submit all documents remotely. First, according to the national regulator, you must go through the standard background and funds verification procedure. Spouses and children may be included in the application for Montenegro by citizenship by investments. The main applicant must be at least 18 years of age. If parents submit papers, they can include dependent parents and dependent children over 18 years of age.


Currently, the country is not a full member of the EU, but more than 15 years ago, it launched the mechanism for joining. This process is expected to be completed in 2025.
The country’s current legislation prohibits its residents from being political nationals of other countries, but an exception was made for investors. Therefore, all participants of the citizenship by investment in Montenegro program can keep their first national ID.
This opportunity is available after the purchase of a new property approved by the correctness. The purchase amount must be at least 250,000 euros. Additionally, you need to submit a 200,000 euros contribution to the government fund.
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