Citizenship by investment and residency programs compared

This page places the five citizenship programs and the five residency pathways we advise on side by side: cost for a single applicant, processing time, residency requirement, eligible family members, visa-free mobility and when the main payment falls due. Figures are those published by each government (for Sierra Leone, by the program's master agent) as of the review date shown at the foot of the page; our service fee is quoted separately in writing.

Citizenship programs

Which citizenship-by-investment program is the cheapest, and which is the fastest?

Guinea-Bissau is the least expensive route we advise on (service package from US$50,000) and, together with Vanuatu, the fastest (about 1–2 months); it is a statutory Citizenship by Allowance channel rather than a donation program. Among government contribution programs, Nauru's ECRCP has the lowest contribution (US$90,000 until 31 December 2026, standard US$115,000; official fees about US$102,700 in total) with 3–4 months of vetting, Vanuatu's DSP is the fastest (about 2 months) at a US$130,000 contribution, and São Tomé and Príncipe (official fees US$95,750) covers three generations in a single application. Sierra Leone's GO-FOR-GOLD special naturalisation starts at a US$95,000 program fee (US$80,000 per person for two applicants), with an approval letter usually in 30–60 days according to the program, but it has no dedicated legislation yet and its fees are published by a master agent rather than the government. None of the five currently offers visa-free access to the Schengen Area.

Criterion Vanuatu (DSP) Nauru / Naoero (ECRCP) São Tomé and Príncipe Guinea-Bissau Sierra Leone (GO-FOR-GOLD)
Type and legal basisGovernment contribution program (Development Support Program)Government contribution program (Economic and Climate Resilience Citizenship Program)Donation to the National Transformation Fund (officially authorised program)Citizenship by Allowance — Decreed Law No. 1/92, Art. 7 No. 2 (statutory channel, no donation)Special naturalisation announced by the Immigration Department; run by a master agent; implementing regulation pending
Single applicant, official costContribution US$130,000 (+ biometrics US$1,000 per person and passport delivery US$2,000 ≈ US$133,000)Contribution from US$90,000 (Iruwa pricing to 31 Dec 2026; standard US$115,000); official fees ≈ US$102,700 in totalOfficial fees US$95,750 (donation US$90,000 + application US$5,000 + documents US$750)Service package from US$50,000 (includes passport and citizenship documents)Program fee US$95,000 (Solo Entrepreneur) + due diligence US$5,000 = US$100,000; published by the master agent, not the government
Family pricingUS$150,000 for two, US$165,000 for three, US$180,000 for four+US$2,000 contribution per dependant aged 16+ (plus US$2,000 application and US$3,000 due diligence); siblings +US$15,000Donation US$95,000 for the main applicant with up to three dependants, +US$5,000 per further dependant; documents US$750 per personOn request, confirmed at the pre-engagement assessmentEnterprise: US$80,000 each for two (US$165,000 per pair); Fast Track US$140,000 / Heritage US$120,000 + US$10,000 per standard and US$20,000 per special dependant
Processing timeAbout 2 months3–4 months (five rounds of vetting)Two-stage official process; timeline follows official processingAbout 1–2 monthsApproval letter usually 30–60 days; passport 60–90 days (program figures)
Residency or visit requirementNone; biometrics in the UAE, Hong Kong or VanuatuNone; processed remotelyNone; no physical presence requiredNone; processed remotelyNone; certification and oath online
Family members eligibleSpouse, children under 25, parents aged 50+Spouse, children aged 30 or under, parents and grandparents from 55, siblingsSpouse, children under 31, parents over 55, grandparents (three generations); applicants holding three or more citizenships are not eligibleFamily applications considered; composition confirmed at assessmentFast Track and Heritage: spouse or partner, children aged 18 or under, parents, grandparents; special dependants (children 19–30, siblings 30 or under); one Plus One. Enterprise and Solo: none
Visa-free / visa-on-arrival destinations90+ (the Schengen Area and the UK currently require a visa)85+ by official program figure (no Schengen; UK visa required since 9 December 2025)60+, including South Africa, Singapore and Hong KongAbout 55, including Singapore and the Philippines; ECOWAS regional mobility63 (Henley, July 2026); ECOWAS mobility; visas needed for Schengen, UK and Canada; US entry suspended since 1 January 2026
When the main payment is dueContribution after approval in principleApplication, due-diligence and bank due-diligence fees at filing; contribution and passport fee after approval in principleApplication fee at filing; donation and document fees after approval in principleAs set out in the written engagement termsEscrow funded after the KYC pre-check; released after approval under the escrow agreement
Documents issuedCitizenship certificate and passportCitizenship certificate and passportCitizenship certificate, passport and national identity cardApproval letter, passport, Certificate of Citizenship, embassy authentication letter, national ID (adults)Approval letter, naturalisation certificate signed by the President, and passport
Official bodyVanuatu Citizenship Office and CommissionNauru ECRCP Program Office (Government of Nauru)Government of São Tomé and Príncipe, via the officially authorised programGovernment of Guinea-Bissau under Decreed Law No. 1/92Sierra Leone Immigration Department; administered by the master agent (Hong Kong Visa Centre / TG 2050 LTD)
Pacific Link's roleFiled through our licensed partner in Port VilaPacific Link Consulting Pty Ltd is on the official register of licensed ECRCP agentsLicensed Marketing Agent for the programAdvisory and coordinated filingPacific Link Consulting Pty Ltd is listed among the master agent's Official Partners

Figures are indicative summaries of official publications and may change; the formal written quotation and the official decision prevail.

Residency programs

Which residency program suits which situation?

Residency programs grant the right to live in a country without changing citizenship. They differ mainly in what secures the status (a government fee, a fixed deposit or a membership), how long it lasts and how much time must be spent in the country.

Criterion Vanuatu PR Malaysia MM2H Thailand Privilege Card Thailand LTR visa Canada
What it isPermanent residency without a passport; 10-year validityLong-term residency pass based on a fixed deposit (Platinum / Gold / Silver / Special Zone)Membership-based long-stay residency (formerly Thailand Elite)Long-Term Resident visa, up to 10 years (5+5), four categoriesPermanent residence or citizenship through BC PNP Entrepreneur, citizenship by descent (Bill C-3), IEC youth mobility or spousal sponsorship
Official or indicative costAll-inclusive from US$8,000 (family of 2 adults + 2 children US$12,000)Fixed deposit US$150,000 (Silver) / US$500,000 (Gold) / US$1,000,000 (Platinum); Special Zone US$65,000 or US$32,000; participation fee MYR 1,000–200,000THB 650,000 (Bronze) to THB 5,000,000 (Reserve)Government fee THB 50,000 per applicantGovernment fees per IRCC's current schedule; quoted in writing after a free assessment
Validity10 years5 / 15 / 20 years by tier (Special Zone 10 years)5 to 20+ years by tier10 years (5+5)Permanent residence; citizenship where eligible
Processing timeAbout 10 business daysPer official processing; confirmed in the written quotationPer official processing; confirmed in the written quotationAbout 20 working days after complete submissionMonths to years depending on the stream
Stay requirementNo minimum stay; no property purchase or investment90 days a year for principals aged 21–49; none from age 50No annual stay requirementAnnual reporting; multiple entryResidency obligations apply under Canadian immigration law
FamilyFamily packages (2 adults + 2 children; each additional child +US$2,000)Spouse, children, parents and parents-in-lawSupplementary memberships for family membersSpouse, parents and children as dependantsSpouse/partner and dependent children, depending on the stream
Best suited toA residency status quickly and at low cost, or as a step before Vanuatu citizenshipFamilies planning education, healthcare or retirement in MalaysiaFrequent travellers and long-stay residents who want privileges without investmentWealthy individuals, pensioners, remote workers and highly skilled professionals meeting the category criteriaApplicants planning to live, work or do business in Canada long term
Official bodyVanuatu Immigration ServicesMinistry of Tourism, Arts and Culture Malaysia; Immigration Department of MalaysiaThailand Privilege Card Co., Ltd. (Tourism Authority of Thailand)Thailand Board of Investment (BOI)Immigration, Refugees and Citizenship Canada (IRCC); BC PNP; cases handled with a licensed RCIC or Canadian lawyer

Figures are indicative summaries of official publications and may change; the formal written quotation and the official decision prevail.

How to choose

How should I choose between them?

A second passport, quickly

Vanuatu DSP (about 2 months) or Guinea-Bissau (1–2 months). Vanuatu offers the broader visa-free list; Guinea-Bissau the lower entry cost.

The lowest government contribution

Nauru ECRCP at US$90,000 until 31 December 2026 (standard US$115,000), filed by a licensed agent, with 3–4 months of vetting.

Three generations in one application

São Tomé and Príncipe: spouse, children under 31, parents over 55 and grandparents, with the donation paid only after approval in principle.

Residency first, passport later

Vanuatu PR (from US$8,000, about 10 business days) can precede DSP citizenship; for Asia-based living, MM2H and the Thailand programs; for Canada, the licensed pathways.

Official sources

Where can the information on this page be verified?

The fees and rules on this page are based on the following official publications. Where they differ, the official source prevails; we re-check them at every update (last reviewed 2026-10-08).

FAQ

Frequently asked questions

Which program gives visa-free access to the Schengen Area or the United Kingdom?

None of the five citizenship programs we advise on currently does. The EU suspended visa-free Schengen access for Vanuatu passport holders in late 2024; the United Kingdom requires visas from Vanuatu nationals and, since 9 December 2025, from Nauru nationals; São Tomé and Príncipe, Guinea-Bissau and Sierra Leone passports have never had Schengen visa-free access, and since 1 January 2026 the United States has also suspended entry by Sierra Leone nationals. We state mobility as it stands today rather than as marketed.

Can I hold the new citizenship alongside my current one?

Vanuatu and Sierra Leone recognise dual citizenship, and none of the five programs requires renouncing an existing nationality; São Tomé and Príncipe does not accept applicants who already hold three or more citizenships. Whether your home country allows you to keep its nationality is a matter of its own law and should be confirmed before applying.

What is included in the 'official fees', and what is not?

Official fees are the amounts set by each government: the contribution or donation, application, due-diligence and document fees. They exclude Pacific Link's service fee (quoted separately in writing before engagement), translation and notarisation, courier costs and any third-party fees such as medical checks or bank charges. The program pages list each component. For Sierra Leone, no government fee schedule has been published; the amounts shown are the program fees published by the master agent.

Which program processes fastest from filing to passport?

Guinea-Bissau (about 1–2 months) and Vanuatu DSP (about 2 months) are the fastest; Nauru takes 3–4 months because of five rounds of vetting and Cabinet review; for Sierra Leone the program indicates an approval letter in about 30–60 days and the passport in about 60–90 days. For residency, Vanuatu PR is approved in about 10 business days and the Thailand LTR visa in about 20 working days. All timelines depend on document readiness and official processing.

Is Guinea-Bissau a citizenship-by-investment program?

Strictly speaking, no. Citizenship by Allowance is a statutory route under Decreed Law No. 1/92 of 7 February 1992 (Article 7, No. 2); there is no government donation, and the service package covers coordinated handling through to the issuance of the passport and citizenship documents. It is therefore compared here alongside the contribution programs, with that difference noted.

Is Sierra Leone's GO-FOR-GOLD established by legislation?

Not yet. It was announced by the Sierra Leone Immigration Department in January 2025 and confirmed by the Chief Immigration Officer in October 2025 as a Special Naturalisation Protocol, relying on section 27 of the Citizenship Act 1973 and presidential discretion; a dedicated regulation and amendments to the Act remain in draft. It is run by a master agent, which also publishes the fees. We compare it here with that difference stated and set out the details on the Sierra Leone page.

How often is this comparison updated?

At every change in official fees, deadlines or rules — for example the extension of Nauru's Iruwa pricing to 31 December 2026 — and at least at each quarterly review. The review date appears at the foot of the page and in the 'Official sources' section; where this page and an official publication differ, the official publication prevails.

Not sure which program fits?

Tell us your passport, family composition, budget and travel needs; a senior advisor will recommend one or two programs with a written cost breakdown within one business day.

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