Are you considering obtaining European citizenship through investment? In this article, we will discuss the top three programs that allow you to buy EU citizenship: Malta, Bulgaria, and Portugal. We will also provide some personal and financial scenarios to help you decide which program is the best fit for you.

Malta Citizenship by Investment Program

For high-net-worth individuals who are willing to make a sizable donation or contribution, the Malta Citizenship by Investment program is an excellent choice. The total cost of the program is about $1.1 million, which includes a contribution of around $800,000, renting an apartment, making additional donations, and lawyer fees. The process takes about 16 to 18 months to complete, and you will receive a Maltese passport and citizenship, granting you access to the entire EU.

Why Choose Malta?

• Fastest route to obtaining EU citizenship
• Access to the US, Canada, Australia, the UK, and other countries with visa-free travel
• No restrictions on living or working within the EU

Bulgaria Citizenship by Investment Program

The Bulgaria Citizenship by Investment program is a two-step process that requires an initial investment of around $576,000. You will receive permanent residence in Bulgaria after about six months. After one year, you can double your investment to $1.2 million and qualify for Bulgarian citizenship.

Why Choose Bulgaria?

• Investment is returned after the process
• No requirement to learn Bulgarian
• Cheaper living costs than other EU countries

Portugal Golden Visa Program

The Portugal Golden Visa program requires an initial investment of around $570,000 in real estate or an investment fund. After five years, you can obtain Portuguese citizenship, which gives you access to the Schengen area and the rest of the EU.Why Choose Portugal?

• Investment is returned after the process
• Direct access to the Schengen area from the beginning
• More respected passport than Bulgaria

Choosing the Right Program for You

When deciding which program to choose, consider your financial situation and desired passport benefits.

Scenario 1: High Net Worth Individual

If you have a net worth of over $10 million and don’t mind losing $1 million for a fast EU passport, Malta is the best choice.

Scenario 2: Moderate Net Worth and Long-Term Planning

If your net worth is between $1 million and $100 million and you prefer not to lose your investment, Portugal is the ideal choice. You gain immediate access to the Schengen area and can obtain citizenship in five years.

Scenario 3: Faster EU Passport with Some Restrictions

If you want a faster passport than Portugal (in about two years) and don’t mind having restricted visa-free travel access, Bulgaria is the right choice.

To find the best program for your needs, consider booking a one-on-one call with a professional who can guide you through the process and help you make the right decision.