Imagine a world where borders dissolve, opportunities expand, and elite status is within reach—provided you have the financial means. In 2025, Golden Visa programs remain an attractive option for high-net-worth individuals seeking freedom, security, and access to top-tier economic and social benefits. However, these privileges come at a significant cost, with investment thresholds soaring to unprecedented levels.
From the financial stronghold of Luxembourg to the scenic shores of Malta, securing residency through investment requires substantial financial commitments. Some countries demand multi-million-dollar investments in government bonds, real estate, or venture capital funds, while others require significant bank deposits. For the select few who can afford it, these programs offer unmatched global mobility, access to premier healthcare and education, and long-term financial security.
But which nations have the steepest price tags? Here are the eight most expensive Golden Visa programs in 2025, ranked by their minimum investment requirements.
List of Most Expensive Golden Visa Countries in 2025
1. Luxembourg – Minimum Investment: €20 Million
Luxembourg tops the list with a staggering €20 million investment requirement. This sum is typically a lump-sum deposit into a qualifying financial institution. Unlike other programs, Luxembourg’s scheme is designed for billionaire investors rather than individuals seeking a simple second residency.
Why It’s Expensive:
✔️ Exclusively for ultra-high-net-worth individuals
✔️ Investment benefits the banking and financial sector
✔️ No lower investment threshold available
🔗 More Information
2. Australia – Minimum Investment: US$2.5 Million
Australia’s Business Innovation and Investment Visa requires a minimum of AUD 3.75 million (US$2.5 million) invested in approved funds, businesses, or government bonds. Its high demand stems from Australia’s strong economy, excellent healthcare, and top-tier education system.
Why It’s Expensive:
✔️ Restrictive investment categories
✔️ Business turnover or management experience required
✔️ No direct citizenship pathway without extended residency
🔗 More Information
3. Italy – Minimum Investment: €2 Million
Italy’s Investor Visa program includes an option requiring at least €2 million in government bonds. While other investment paths exist, the bond option remains one of the most expensive in Europe. Investors enjoy visa-free Schengen travel, but citizenship requires ten years of residency.
Why It’s Expensive:
✔️ Capital locked in government bonds
✔️ Long pathway to citizenship
✔️ Extensive due diligence process
🔗 More Information
4. Jersey (Channel Islands, UK) – Minimum Investment: £1.75 Million (US$2.2 Million)
Jersey’s High-Value Residency Programme mandates a minimum real estate purchase or lease of £1.75 million (US$2.2 million). While it offers British Isles residency benefits, it does not provide a direct path to UK citizenship.
Why It’s Expensive:
✔️ Strict financial scrutiny of applicants
✔️ No direct UK citizenship pathway
✔️ High real estate prices
🔗 More Information
5. Singapore – Minimum Investment: S$2.5 Million (US$1.8 Million)
Singapore’s Global Investor Programme (GIP) requires a minimum investment of S$2.5 million (~US$1.8 million) into approved businesses or funds. This highly selective program ensures only high-caliber investors gain residency.
Why It’s Expensive:
✔️ Highly selective vetting process
✔️ Stringent background checks
✔️ Investment required in high-growth sectors
🔗 More Information
6. United States (EB-5 Visa) – Minimum Investment: US$1.05 Million
The EB-5 Immigrant Investor Program requires an investment of US$1.05 million in standard areas or US$800,000 in Targeted Employment Areas (TEAs). It offers a pathway to U.S. permanent residency and eventual citizenship.
Why It’s Expensive:
✔️ Long processing times (up to five years)
✔️ Must create 10 full-time U.S. jobs
✔️ Higher investment in urban centers
🔗 More Information
7. Malta – Total Cost: Up to €750,000
Malta’s Residency and Citizenship by Investment Programme requires a mix of government contributions, real estate purchases, and fund investments, totaling up to €750,000. It provides EU residency and visa-free Schengen access.
Why It’s Expensive:
✔️ High government donation requirement
✔️ Long processing time (over 12 months)
✔️ Strict background checks
🔗 More Information
8. Portugal – Minimum Investment: €500,000 in Funds
Portugal’s Golden Visa program underwent reforms in 2023, removing real estate as an investment option. The new minimum investment of €500,000 must be placed in qualifying venture capital funds. The program remains attractive due to its low residency stay requirement (seven days per year) and fast-track citizenship after five years.
Why It’s Expensive:
✔️ Investment must be sustained for five years
✔️ No more real estate investment option
✔️ Strict compliance and fund selection process
🔗 More Information
Conclusion
Golden Visa programs offer unparalleled opportunities but come with steep financial barriers. From Luxembourg’s €20 million requirement to Portugal’s revamped €500,000 investment threshold, these programs are tailored for the global elite. If you’re considering residency through investment, understanding these financial commitments is crucial. Are you ready to invest in your future and unlock global mobility? Choose your destination wisely!
Frequently Asked Questions
What is a Golden Visa?
A residency-by-investment scheme called a Golden Visa gives resident rights to anyone who invests a substantial amount of money in a nation.
Which country has the most expensive Golden Visa?
Luxembourg tops the list with a minimum investment requirement of €20 million, making it the most exclusive program.
