Residence permit through financial investments in subordinated capital of credit institutions
The Latvian banking system is well regulated and integrated into the European financial market, making the country a safe jurisdiction for international investors seeking to secure their future in the European Union.
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Fast Processing
Obtain a residence permit in just 2-3 months from application submission
Access to EU banks
Ability to live, work and do business in the EU
Schengen visa-free travel
Free movement in 29 European countries
No residency requirements
One visit to Latvia per year is sufficient.
Path to permanent residence and citizenship
A solid basis for long-term life in the European Union.
For the whole family
Your spouse and children receive residence permits with you.
Stable income
Interest on subordinated capital
Investment requirements
Investments in subordinated capital of Latvian credit institutions — a reliable and regulated way to obtain residence permits in Latvia.
To obtain a residence permit in Latvia through financial investments, you must:
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Investment amount
Invest at least €280,000 in subordinated capital of a Latvian credit institution.
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State fee
Pay a state fee of €25,000.
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Deal requirements
Invest in an institution compliant with the Financial and Capital Market Commission of Latvia (FCMC).
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Instrument Description
Subordinated capital consists of long-term deposits or bonds that strengthen the bank’s financial stability. This type of investment is considered safe as it is regulated by EU legislation.
Step-by-step process for obtaining a residence permit in Latvia through financial investments in subordinated capital of credit institutions:
We offer a transparent and structured process for obtaining residence permits in Latvia through investments in subordinated capital of banks. From choosing the right financial instrument to receiving the resident card — we support you at every step.
Consultation and selection of bank and investment structure
- Consultation and selection of investment option — investments in subordinated capital of credit institutions.
- Basic investor verification (passport and source of funds) by compliance specialist.
- Signing the cooperation agreement and payment for support services.
Document preparation and application submission
- Collect all necessary documents (passport, investment confirmation, registration data, etc.). Signing the investment agreement.
- Transfer €280,000 to the account of the selected institution.
- Submit application to the Office of Citizenship and Migration Affairs (OCMA).
- Application review takes 30–90 days.
Approval and receipt of residence permit
- Payment of state fee of €25,000.
- After approval, you must visit Latvia to provide biometric data.
- Temporary residence permit is issued for 5 years.
- Within 90 days, a visit to Latvia is required to issue the resident card (ID card).
Maintaining resident status
- Having valid medical insurance policy effective in Latvia covering necessary risks.
- When renewing residence permit, a medical certificate confirming absence of active tuberculosis may be required.
- Card is issued for 5 years and requires annual registration 30–90 days before expiration.
- Investor must maintain invested funds (minimum €280,000) in subordinated capital of Latvian bank for the entire residence permit term, minimum 5 years.
- Maintaining resident status requires only 1 day per year of physical presence in Latvia.
- Submit renewal application before permit expiration.
List of required documents
Completed application form.
Passport-size photos (3x4 cm).
Passport scan(s).
National ID card scan.
Marriage certificate (if applicable).
Proof of income source:
tax return, employment contract, or bank statement with cover letter.
Proof of sufficient financial means:
minimum €750/month for main applicant and €150/month for each minor family member.
Proof of payment of state fee.
Proof of completed investments.
Medical insurance policy.
Certificate of no criminal record.
Investment confirmation – extract from Latvian Enterprise Register.
Medical certificate
(issued by Latvian health institution, confirming main applicant is free from active tuberculosis).
Resume (CV).
Why invest in subordinated capital
Low risk
regulated by Latvian and EU laws
Capital preservation
funds are held in a secure institution
Predictable yield
guaranteed interest paid on deposit
Maintaining residence permit
without business or property management
Access to EU financial system
full range of banking services in Latvia and EU
Path to permanent residence and citizenship
- After 5 years you may apply for permanent residence, maintaining your investment.
- After 10 years — option to obtain Latvian (EU) citizenship, including full EU citizen rights such as education, healthcare, and employment.
- Visa-free travel to more than 180 countries.
Who is this program suitable for?
For families – seeking a better future and European education/healthcare
Wealthy investors seeking a reliable, passive way to obtain residence permit
International investors seeking EU residence with Schengen access
For finance professionals interested in investing in the EU banking system
Contact us
Contact us if you want to learn more
about residence permits through investment
Contact information
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+371 671 529 03
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info@latviangoldenvisa.com
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13 Šķūņu iela Riga, Latvia-LV-1050
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Mon – Fri: 8:00 am to 6:00 pm
Sat - Sun: Closed