Panama

Visa de Pensionado (Ley 6). Immediate permanent residence for anyone with a guaranteed lifetime pension, paired with Panama’s famous retiree discounts.

Free, with the law behind every answer

Visa de Pensionado (Ley 6)

Immediate permanent residence, no temporary phase or annual renewal, plus Law 6 discounts: 25–50% off transit, entertainment, restaurants and hotels, a one-time import-duty exemption up to $10,000, and a vehicle every 2 years.

Who qualifies

Guaranteed lifetime pension of at least $1,000 a month.
Panama Law 6 Pensionado programme, summarized by relofirm
Reduced to $750 a month if the applicant also owns Panama real estate worth over $100,000 in their own name.
relofirm, Panama Pensionado Visa
Each extra dependant (spouse, unmarried children under 25 in full-time study) adds $250 a month to the required pension.
relofirm, Panama Pensionado Visa

You keep your U.S. citizenship.

Does it fit your family?

3 questions, from the program’s own rules.

Steady monthly income, from any source?

Not legal advice.

What it takes.

Income: Steady income each month, rising with each person who moves.
Just you$1,000
2 people$1,250
4 people$1,750
Time: 6–10 weeks with Panama’s Servicio Nacional de Migración.
Cost: About $1,500–3,000 total in government and legal fees.
The hard part: Getting the pension certified as lifetime and guaranteed by an apostilled letter from the paying institution; self-directed withdrawals generally do not qualify.

Dollar figures are converted from the local currency at the rate the program’s research used; the official figure is in the local currency.

Citizens by 2033.

If your first permit is issued in 2027 and you keep living there, this is the road.

2027
First residence permit
10 years, renewable for 10 years at a time.
2032
Apply for citizenship
With a language test and a civics test.
2033
Citizenship

Language: Spanish, tested by the Electoral Tribunal.
Civics: An Electoral Tribunal exam on Panama’s history, geography and political and administrative organisation.
Time away: Five consecutive years counted from the resolution granting permanent residence. Migration verifies continuity from the applicant’s entry-and-exit record.
Two passports: It depends on the rules at the time and on your home country.

Permanent from the start and granted indefinitely, so the five-year citizenship clock runs from the grant.
How long the decision takes isn’t published; we allow a year.
Whether you can keep your current citizenship depends on the rules at the time and your home country.

The law behind these dates

Living there.

Time you must spend there: None to keep permanent residence, though at least one visit every 2 years is prudent to avoid questions about abandonment.
Tax: Panama taxes only Panama-source income; the foreign pension used to qualify is not taxed.

We never file a tax return. We tell you what applies and brief the professional who does.

Start today.

Get an apostilled certification letter from your pension-paying institution confirming a lifetime, guaranteed monthly payment before filing.Open ndm.com.pa ↗
Gather these documents.
- Proof of steady income: at least $1,000 a month
- Request your FBI Identity History Summary
- Health cover for the move

Postern can run this for you.

$900for your first year as a founding member. Then $399 a year, automatically.One membership, the whole family. Bank accounts and help putting your plan into action are included.

Postern runs it for Pensionado residence.

17 steps, from the first paper to the passport. You do 4 of them: send what we ask for, sign, and show up. We run the rest, and keep every permit renewed on time. Opening your bank accounts there is included, whether you move now or keep the plan ready. Government fees, record fees and other costs you approve are extra.

Run it for my family →

ISSUED TO

YOUR FAMILY

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POSTERN