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11 Benefits of Living in Montenegro as a Resident – Why You Should Move to Montenegro

Since 2013, I’ve been traveling around the world using my Philippines passport. It’s been fun to live in Asia, Latin America or even sailing from the USA to the Caribbean. After 6 years of non-stop travels where I visited 143 countries, my husband and I have decided to finally settle down.

We knew we always wanted to live in Europe for the culture and the strategic location of being closer to Jonathan’s family in the UK while easier for my family from the Philippines to come to visit or live with me. We’ve considered Greece, Portugal, or Spain but these countries are already part of the European Union and it’s costly, time-consuming, and has a lot more restrictions esp. for a Filipino citizen like me (even though I’m married to a British citizen).

In November 2017, we visited Montenegro for the first time during winter. In August 2018, I visited again and experienced the wonderful weather and a lot of adventure activities in Herceg Novi. I fell in love and told my husband that we should go back again until we returned in June 2019.

A few months later after living in Herceg Novi, we bought a beautiful 200-year-old Stonehouse and registered our own Tour & Immigration Consulting company. I actually wrote a daily blog of our life living in Montenegro and why we love it here so much. If you are into house renovation, you can see some photos of #TheStoneHowes being renovated from its old rustic style to a modern minimalist home.

Living in Montenegro brings with it a whole new lifestyle and a world of opportunities to live in a way you may not have thought was possible. Find out why you should become a resident in Montenegro! 

If you’ve dreamed of living somewhere abroad, somewhere with a new atmosphere or vibe, somewhere peaceful and beautiful at the same time, you might want to consider moving to Montenegro.

How to Start a Company in Montenegro

Montenegro is a country in Southern Europe (the Balkans), surrounded by Croatia, Bosnia and Herzegovina, Albania, and Serbia. With the Adriatic coast, Bay of Kotor, and Balkan Mountains, you will enjoy gorgeous views and adventures. Montenegro also has an incredible history ranging from the Kotor Old Town to Ostrog Monastery; there is so much to learn and experience here.Montenegro+in+Europe+Map

Montenegro is also your gateway to living in Europe; it’s fairly simple to get a residence permit here. There is an excellent possibility that it would be an EU Member in the near future, so you should move now when the rules are still a little easier.

As Montenegro only has a population of around 660,000, the government wants to encourage more people to live here, enjoy the country and conduct business here. The country’s density is about 47 people per square kilometer, while the Philippines has 358 people per square kilometer; 7 times greater!

Facts About Montenegro
Oleg Gratilo

In case you want to move to Montenegro and need assistance with the process, you can Hire us to be your immigration consultant. From the initial consultation, answering your questions, cost of moving, and list of requirements until you arrive in Montenegro with a D Visa. You can book an appointment here.

Immigrate to Montenegro

1. You can become a Permanent Resident then a CITIZEN of Montenegro!

Montenegro Resident

There are a few ways to get a residency in Montenegro, such as: studying, donating to the government, work permit, marriage with a Montenegrin citizen (family reunification), purchasing a property (homeownership), starting a company, seasonal work, studies (secondary education), research work, exchange students or youth programs, humanitarian reasons, and medical treatments.

The first step is getting a Type D visa (long-term) from the Montenegrin Embassy, Type C visa or Free visa entry to the country can’t be converted to a residency unless the local authorities would agree to do it. Then upon arrival in Montenegro, you can convert it and get a Temporary Residence Permit that can easily be renewed every year and after 5 years then you could get a Permanent Residence (stalni boravak) and if you have a property then consider yourself living here permanently.

Once you become a Temporary Resident, you will have a chance to become a permanent resident after living in Montenegro after 5 years. After being a permanent resident of Montenegro for 5 years, you can apply for naturalization and become a Montenegrin Citizen. 

You will need to be proficient in the Montenegrin language, but after living here for quite a long time, it will be a breeze for you. As a citizen, you will enjoy the perks of having a Montenegrin Passport as well as the right to vote! 

P.S. Getting a Tourist Visa in Montenegro for Filipinos is easy and some can even enter visa-free. Foreign passport holders (Filipinos included) who hold a valid Schengen visa, or a valid visa of the United States of America, the United Kingdom, Ireland, Japan, Australia, New Zealand, Bulgaria, Romania, and Croatia or a residence permit for those countries, may enter Montenegro, stay in Montenegro, or cross its territory for up to 30 days.

If you just want to see and experience Montenegro, the visa processing is at the Embassy of Montenegro in China. You would need an invitation letter from a Montenegrin resident or citizen to get your application processed. If you need help, you can contact and avail of my service here

2. Public Healthcare is FREE for Residents and Citizens of Montenegro.

Global Health Insurance for Remote Workers
Photo by Marek Studzinski on Unsplash

The social healthcare system in Montenegro means that anybody who is paying the social insurance contribution to the government has access to free healthcare. If you are employed here or have your own company then you have to pay a monthly contribution of 10.5% of your income, 5.5% charged to the employer, while the remaining 5% to the employee as per the Law on Mandatory Social Insurance Contributions.

Like regular health insurance, they have free medical exams, treatment, and the like. Those who are pregnant or have any kind of sickness or disease are covered. Plus, in the country, medicines are affordable.

There are many entitlements, too, including allowance when one is absent from work due to illness, injury, a medical exam, infection, or to take care of a sick family member. You can also be absent for up to four months to take care of a child or, if an adult, up to 2 months.

The Health Insurance fund gets its money through contributions. Five percent of the government’s budget is for healthcare. In 2016, €5 million was provided to all public hospitals in supplies. The country’s health spending mostly comes from the health insurance fund, which is controlled by the Ministry of Health of Montenegro.

3. Free Education for Children in Montenegro

If you have kids or want to raise them in Montenegro, you don’t have to worry. Primary Education for children 6 to 15 years old is compulsory but free. This program is for Montenegrin Citizens and those who have short term or permanent residence in the country. Foreigners can also enroll in higher education like high school or college.

4. Low Taxes in Montenegro

Compared to other countries, Montenegro’s tax rates are quite competitive. It’s not a tax haven like Andorra or Monaco, but it’s still less than most EU countries.

Income Tax is 9% and 11%, depending on your monthly income. Those with income below EUR 751 pay 9%, while those who earn more than EUR 750 per month have a rate of 11%. There is also a surtax, which is an income tax paid to the municipality. Most towns have a 13% tax rate, while Podgorica and Cetinje have a surtax of 15%.

  • Property Tax is 0.25% to 1% annually.
  • Property Purchase Tax is 3%.
  • Corporate Income Tax is 9%.
  • VAT Tax is 21%; standard rate. There are also 7% and 0% for selected products or exports.

Montenegro also has tax treaties with the following countries. If you are a Montenegrin company with income in another country, you may be exempt from paying tax in either Montenegro or the country you are in. Montenegro has Double Taxation Treaties with 36 countries, with an additional 6, which are still pending. 

5. Montenegro is in EUROPE and plans to become EU (eventually)

How to Start a Company in Montenegro

Montenegro is in a strategic location within southern Europe; if you long to live on this gorgeous continent – make your dreams come true when you move to Montenegro. It’s also relatively easy to relocate here compared to countries in the European Union (right now and we don’t know until when it will be easy like this!), which can cost time and a lot of money. 

Montenegro is on its way to become a member of the European Union. And if you are a permanent resident or citizen of a country in the EU, you can enjoy the EU Freedom of Movement, where you can travel or work in other EU countries without much hassle.

6. Cheaper Cost of Living in Montenegro (yes, cheaper than living in Metro Manila!)

10 Best Restaurants in Herceg Novi, Montenegro

The cost of living in Montenegro is affordable and cheaper than most European Countries and some cities in the Philippines. You can enjoy a small apartment for EURO 170 to 250 per month or pay monthly utilities for less than EURO 100. 

If you want to know more about how much you can spend in a month, here’s an article on the Cost of Living in Montenegro.

Some properties are also cheap but would require some renovation. You can find some of the properties for sale here that are less than 3 Million pesos!

7. Huge Opportunity for Starting a Business in Montenegro

There’s not much employment opportunity in Montenegro since the minimum wage is really low compared to other countries in Europe. It might also difficult to immigrate here without any source of income unless you speak the local language or apply during tourist season (seasonal work, but if you have an entrepreneurial mindset, then this is the best country for you

As Montenegro is a young country (only declared the country’s independence on June 3, 2006), there are many businesses it needs. It doesn’t have everything yet. To give you an example, Asian restaurants are rare, as well as grocery stores for Asian or American goodies.

Maybe once there are more businesses and more tourists, the employment opportunities will eventually increase.  

8. Fast Internet in Montenegro

List of Internet Providers in the Philippines and their Offers
Leon Seibert

Montenegro’s internet is fast and reliable. Regular speeds could be up to 50 MBPS, which is so much better than in the Philippines. There are also affordable Telco Plans or internet plans you can enjoy; some have cable included.

For our house with unlimited internet data, we only pay 29 Euro per month. You can also have a 100 GB of internet data on your cellphone for only 15 Euro per month, you can read more about buying sim cards in Montenegro on our guide here. 

If you’re a digital nomad like us, then I think you’ll find it easy to live here in Montenegro. You can also join our group, Montenegro Digital Nomad Association so you can meet other Digital Nomads & Remote Workers who are based here.

9. The Currency in Montenegro is EURO.

11 Benefits of Living in Montenegro as a Resident - Why Should you Move to Montenegro
Photo by Markus Spiske on Unsplash

Montenegro, though not a member of the European Union, uses EURO as their currency. You don’t have to deal with money changers or extra transaction costs. Plus, EURO is widely used on the European continent (and abroad).

You can read our guide here on how foreigners can easily open a bank account in Montenegro.

10. Getting a Visa to any country is faster/ easier 

Schengen visa in Podgorica
I got my Schengen visa in less than a week at the Slovenian Embassy in Podgorica.

Do you want a Schengen Visa? Do you want a US Visa? If you live in Montenegro as a resident, you can get a visa to those places without much hassle. It’s one of the perks of living in a European country compared to being in an Asian, African, or Middle Eastern Country.

Visa Bundle Service

11. It is SAFE. Very Low Crime Rates in Montenegro!

It’s very safe in Montenegro; you can hike, drive to spots, and enjoy activities without being scared for your life or having your things stolen. The crime rate is low; it’s about 2.23 per 100,000 people. Being in a safe neighborhood is one thing you should consider when moving to another place; you won’t regret it here in Montenegro.

Of course, there are some Cons and this country isn’t like a fairytale but this article is only written to talk about the benefits. There are also random things that I don’t enjoy here but we really love living here.

Who Should Move to Montenegro?

Tourist Visa For Montenegro

1. Digital Nomads & Remote Workers – if you’re working online and require a residence to get a visa to any countries easily and want to pay a very minimal Income tax since Montenegro has Double Taxation treaties with a lot of countries

2. Business Investors who want to tap the tourism market! Also, property investors who would like to buy a property and sell it in the future!

3. Young families who wish to start a new life in Europe and get free education for their children!

4. Filipinos or any Expats working in the Middle East who want a Permanent Residence (you’ll never be permanent in the Middle East, you’ll always have to depend on a sponsor’s visa!)

5. Company owners who want to have an offshore company and pay low income/ corporation taxes

6. Filipinos and other Asian nationalities who want to get residency in Europe and eventually a second passport.

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Well, if you have more questions. We’re the only registered D.O.O. company in Montenegro that caters to Immigration services for Filipino citizens.

Hire Kach Howe As Your Relocation And Immigration Consultant In Montenegro!

Contact me at [email protected] or read more here.

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34 thoughts on “11 Benefits of Living in Montenegro as a Resident – Why You Should Move to Montenegro

  1. Hi
    I have a job offer in Montenegro and looking for advice for applying for visa with an India passport for a Type D visa

  2. I want to migrate there since I work remotely. Can I bring my mother with me who is 75 years old? When you become a citizen there, is it possible to bring along dogs and cats and some pets from the Philippines?

  3. Hello Kach, I’ve read and digested most of what is written here and think you, as an anglophone, are very likely to be the answer to my dilemma.

    Briefly, I am a reasonably fit, healthy and youthful 72 year-old currently living in Kensington, in Central London. My wife died last year and although she and I divided our time between homes in London and France, I have decided to move away from both, for personal reasons.

    My first question must be: are you still in business providing assistance to those who are exploring the possibility of becoming resident in Montenegro? My contact details are below and I hope that you’ll respond to this ‘outreach’.
    With kindest regards
    Clive Williams

  4. I want to inquire on how to become a resident in Montenegro. I’m currently here in Dubai.

  5. Hi , how to immigrate and find work as well , im in my late forties, and ex abroad ,,im here now working in the Phils , what are procedures and how it cost?

  6. Hi Miss Kath! I’ve been a silent reader of your blogs for years now. And all I can say is I wanna be like you! Hehe, btw, my husband and I have been married since January of 2021 and we really wanted to travel outside the country for honeymoon. I’m curious of how much do we have to prepare if we want to visit Montenegro. I’m also inspired of your stories living there for quite some time now and I want to consider it too once we get there.

  7. Hello..I am Cameroonian and looking to study and start a new life abroad in a relatively not expensive and calm environment. I researched and found Montenegro rather very convenient. But my sponsor still has doubts about the place. What would you advise?

  8. Hello,

    Glad to read this! Thanks! Long time in France but filipina GF and I are thinking about living in Romania…..this article has me thinking about Montenegro hahaha….will ask her about it at right moment! All the best in our crazy world, Ron

  9. Employee tax is a lot higher than mentioned in this blog- I pay 67% tax for each of my employees Employee tax is only 9% BUT there are many other contributions that total a crazy 67%
    Company tax is only 9%
    The government has a team of inspectors which are on a mission to issue penalties for all sorts of ridiculous offenses… they get a commission from all that they earn through penalties so their motivation to find fault is high and they love penalizing rich foreigners.
    This should be included in this blog- it is not all roses moving here and starting a business, their laws don’t make sense and most time are not able to be complied with (hence the penalties)

    1. Just wanted to confirm this is correct, and the blog does not give proper insight into the costs of owning and operating a corporation in Montenegro. For instance, contributions on a minimum salary of 310 euros per month to yourself as the director (required by law) are nearly 200 euros a month. There are ways around this, but they’re not legal.

  10. I lost my job here in UAE in March 2020 and where going home for good, while my friend tells me about Montenegro, I’m become interested to go and migrate there with my family. Can you help me the step by step procedure in a less cost and expenses because I have very little money in hand in going home to Philippines and to use it for living. But I’m thinking to go there right after we reach our country. I’m interested to migrate there, so I’m seeking your assistance. Thank you.

  11. This is great news! But is it doable/advisable for single people? I used to work in the UAE but now back in Phils. Thanks for the advise!

  12. It’s my understanding that one is not allowed to leave Montenegro for more than one month a year during the five year period while awaiting residency. Is this true?

    1. yes, but if you own a business this does not apply to you- travel as much as you like ‘for business’ 🙂

  13. How interesting? how to apply Ms. Kach and how much it will cost? Kailangang mapag iponan para sa mga taong tulad ko

  14. Hi kach,
    I just want to inquire how much will cost me if i will apply for resident visa, im currently working here in saudi.

  15. Hi Kach! May I know how much is the minimum monthly income required to qualify for the Digital Nomads visa? Thank you. Bebe here from the Philippines.

  16. Good day,

    I would like to inquire regarding permanent residence in Montenegro for me and for my mom. I’m 25 years old and my mom is 49 years old. What type of visa do you think we can acquire?

  17. Hi Kach! Been following you for some years. I am currently in Qatar but planning to return to Philippines, however whenever i saw your post about Montenegro, i keep on thinking, “should i try moving there?”. But i really misses Philippines.

    Will it be easier to process a visa from here rather than in Philippines?

    Been contemplating about my next plan. ?

  18. thats very interesting article you wrote there Kath. i think we will like living there. can you tell us more or less the costs for relocating there?

    any work or business opportunity for husband who is a chef (asian cuisine) and a wife who is a visual artist. we have two teenage sons.

    thank you and best regards
    creative chefs

  19. we would like to get more information on immigrating to Montenegro. what is specific age requirements? We are a Dubai based family of 3 children. Filipino citizen.

  20. Hi kach,been following your blog and it inspires me. I have 3 kids and I really want to settle down in europe for their education as well.. like how much is the cost for visa , service fee and ticket? For a family of 5. Maybe we could try to visit first.

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Written by Kach Umandap

Founder of Two Monkeys Travel Group. Since 2013, Kach has visited all the 7 continents (including Antarctica) and 151 countries using her Philippines Passport. In 2016, she bought a sailboat and went on sailing adventures with her two cats - Captain Ahab & Little Zissou in the Caribbean for 2 years. She now lives in Herceg Novi, Montenegro where she's enjoying her expat life and living on a gorgeous Stonehouse. She writes about her experiences traveling as a Filipina traveler with a PHL Passport. Also tips on backpacking trips, luxury hotel experiences, product reviews, sailing & adventure travel.