Do you imagine hefty million-euro investments reserved for the ultra-wealthy when you think of an EU golden visa? Several European countries offer residency-by-investment programmes with surprisingly accessible entry points, some starting as low as €50,000. If you assumed the EU residency was beyond your reach, read on to reconsider.
The EU golden visas market is changing
The most affordable EU golden visa programmes in 2025
Hidden сosts
The EU golden visas market is changing
The golden visa market has evolved over the past few years. Some countries have tightened their programmes or increased minimum investments, while others have introduced more affordable alternatives to attract a broader range of investors. New opportunities emerged for middle-class professionals, entrepreneurs, and investors who previously could not access European residency programmes.
The EU residency gives its holders lucrative benefits – here are just a few:
- visa-free travel across the Schengen Zone,
- access to world-class healthcare and education systems,
- business opportunities across European markets,
- pathway to eventual EU citizenship (in many cases).
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The most affordable EU golden visa programmes in 2025
Latvia: Europe's cheapest golden visa
Latvia offers Europe's most affordable golden visa, with qualifying investments starting at just €50,000. The programme allows you to invest in approved Latvian companies or real estate projects. The application is mostly processed relatively fast (in two to four months), and naturalisation is available in five years. Spouses and dependent children are also included in the programme.
Investment options:
- Approved company investments (€50,000-€100,000),
- Real estate development projects,
- Government-approved funds.
Hungary: Investing in real estate
Hungary's cheapest option involves purchasing fund units for €250,000, with investment funds allocating at least 40% of assets to residential real estate, requiring a 5-year maturity period. The processing takes cthree to six months, and your residence in the country will be renewed every three years.
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Portugal: Investing in startups
Portugal's newest programme, the Startup co-Investor visa, requires only €150,000, excluding legal fees and other expenses. One of the key benefits of this ‘golden visa’ is that you may apply for citizenship in five years. Besides, investing in startups is trendy – and implies various benefits, such as
- Lower thresholds,
- Faster processing,
- Higher impact and potential.
Be attentive to details, though, as startups may be riskier than traditional investments.
Greece: Investing the classic way
Greece's golden visa remains popular as one of Europe's cheapest options. Residential property purchases start at €250,000, though buyers should expect around 10% additional costs. The programme includes spouses, children, and parents.
Malta: Invest for permanent residency
Malta's Permanent Residency Programme requires a €100,000 investment whilst providing access to a vibrant Mediterranean lifestyle and healthcare system.
More to read:
Hidden сosts
All that glitters is not gold, and the EU golden visa programmes imply additional expenses, including professional fees, government expenses, and other costs. Below are the most common ones:
| Fee Type | Estimated Cost |
|---|---|
| Legal representation | €5,000 – €15,000 |
| Due diligence | €2,000 – €5,000 |
| Application processing | €1,000 – €3,000 |
| Application fees | €500 – €5,000 |
| Biometric processing (per person) | €100 – €500 |
| Residence card issuance | €200 – €1,000 |
| Annual renewals | €200 – €1,000 |
| Property taxes (if applicable) | 0.1% – 2% annually |
| Insurance requirements | €500 – €2,000 annually |
Conclusion
EU golden visas are far more accessible than many people realise. With programmes starting at €50,000 and offering genuine pathways to European residency, these opportunities are within reach for a much broader audience than traditionally assumed.
The key to success lies in thorough research, professional guidance, and strategic financial planning. By understanding the true costs, choosing the right programme for your situation, and using efficient money transfer services, you can achieve your European residency goals whilst minimising expenses and maximising benefits.
