
15 years in cross-border structuring. Matches the family to the right route - NDF, UWI Fund, approved real estate or business investment and leads the file through due diligence to approval.
Four routes through the Citizenship by Investment Unit, from a 230,000 USD contribution to the National Development Fund. And one condition the CIU states plainly: spend at least five days in the country during your first five calendar years as a citizen, or citizenship can be revoked - with no refund of the investment.
Updated
Antigua and Barbuda grants citizenship by registration under the Antigua and Barbuda Citizenship by Investment Act, 2013 (No. 2 of 2013), administered by the Citizenship by Investment Unit (CIU) in St. John's. Four investments qualify: a contribution to the National Development Fund (NDF) from 230,000 USD; the University of the West Indies (UWI) Fund at 260,000 USD, open only to applications of six people or more; approved real estate from 300,000 USD, held for five years; and a business investment of 1,500,000 USD on your own, or 400,000 USD as your share of a joint investment totalling 5,000,000 USD. You cannot approach the Unit directly - Regulation 4(1) allows a file to be submitted only by an agent holding an agent's licence.
The programme is built for families rather than single applicants: the NDF contribution stays at 230,000 USD whether you apply alone or with a spouse, dependent children and dependent parents aged 55 and over - only government fees and due diligence move with headcount. It suits people who can also live with the condition the CIU attaches to the passport. You must spend at least five days in Antigua and Barbuda during the five calendar years after you obtain citizenship. Miss it, and the authority states that citizenship may be taken away, with no refund of the investment. Five days across five years is a light obligation, but it is a binding one - and it is the reason this file does not end on the day of approval.
Citizenship by registration under the CBI Act, 2013, run by the Citizenship by Investment Unit. Four routes, from a 230,000 USD contribution to the National Development Fund; only a licensed agent may file.
The NDF price does not rise with a spouse, dependent children or parents from 55 - but you must spend five days in the country within five calendar years, or the CIU says citizenship can be withdrawn with no refund.
The amounts below are the ones the CIU publishes today. We do not put a start date on them: the Antigua and Barbuda Citizenship by Investment (Amendment) Regulations 2024, posted by the Unit in August 2024, are a scan with no text layer, so neither the statutory instrument number nor the commencement date can be read from the authority's own file. We quote the figures; we will not invent the date they took effect.
Four qualifying investments. We quote the CIU's current amounts without dating them - the 2024 Amendment Regulations are a scan with no readable commencement date.
A one-off, non-refundable contribution of 230,000 USD to the National Development Fund. Adding a spouse, dependent children or dependent parents aged 55 and over does not raise the contribution - only the government processing fee and due diligence go up.
A one-off, non-refundable contribution of 230,000 USD to the National Development Fund. Adding a spouse, dependent children or dependent parents aged 55 and over does not raise the contribution - only the government processing fee and due diligence go up.
260,000 USD for an application of six people or more, with government processing fees already included in that figure. One member of the family receives a one-year scholarship - tuition only - at the University of the West Indies, and the money goes to the Five Islands campus. A family of fewer than six cannot use this route at all.
260,000 USD including fees, but only for six applicants or more - a smaller family cannot use it.
A purchase of at least 300,000 USD in a project approved by the government. You file after signing a binding sale and purchase agreement with the developer, and you cannot resell for five years - the single exception being a purchase of another officially approved property in Antigua and Barbuda.
A purchase of at least 300,000 USD in a project approved by the government. You file after signing a binding sale and purchase agreement with the developer, and you cannot resell for five years - the single exception being a purchase of another officially approved property in Antigua and Barbuda.
1,500,000 USD invested on your own in an approved business, or 400,000 USD as your share of a joint investment of at least 5,000,000 USD made by two or more applicants. The business has to be recommended by the CIU first and then approved by the Cabinet of Ministers.
1,500,000 USD invested on your own in an approved business, or 400,000 USD as your share of a joint investment of at least 5,000,000 USD made by two or more applicants. The business has to be recommended by the CIU first and then approved by the Cabinet of Ministers.
Government fees sit on top of every route and are confirmed for your case before any work begins: due diligence is 8,500 USD for the main applicant, 5,000 USD for a spouse, nil for a child under 12, 2,000 USD for a child aged 12-17, and 4,000 USD for a dependant aged 18-30 or a parent from 55; the passport fee is 300 USD per person. One figure on the authority's own site contradicts itself - adding a dependent child aged 6-17 after approval is 25,000 USD on the Schedule of Fees page and 20,000 USD on the Dependants page, the lower figure matching a Limited Time Offer that expired on 31 October 2020. We get the applicable amount confirmed by the CIU in writing before anyone budgets around either number.
Every point below comes from what the CIU and the Inland Revenue Department publish - including the one that costs you something. We would rather you hear it here than after the money moves.
The NDF contribution is 230,000 USD for a single applicant and 230,000 USD for a family of four. Adding a spouse, dependent children or dependent parents aged 55 and over does not move it - only the processing fee (10,000 or 20,000 USD) and due diligence do.230,000 USD alone or as a family of four - only fees move.
Children from 0 to 30 if financially dependent on you, with no upper age limit where a child of 18 or over has a physical or mental disability and lives with and is fully supported by you. Parents and grandparents from 55. Unmarried siblings - yours or your spouse's.Children to 30, parents and grandparents from 55, unmarried siblings.
At submission you pay due diligence in full and 10% of the processing fee, both non-refundable. The contribution or purchase itself falls due within 30 days of the letter of approval - so the large sum moves once the Unit has already decided.DD and 10% of fees at filing; the rest within 30 days of approval.
The CIU states there is no capital gains tax, no estate tax and no personal income tax, and the Inland Revenue Department's list of the taxes it administers contains no personal income tax. What it does administer is ABST, property tax and business taxes.Confirmed by the CIU and the IRD's list of administered taxes.
The presence obligation is five days across five calendar years, evidenced at renewal by any two of passport stamps, a hotel invoice, a boarding pass or a letter from a property manager. Light - but binding: miss it and the CIU says citizenship can be withdrawn, with the investment gone.Five days across five years - light, but citizenship rides on it.
The National Development Fund reports to Parliament every six months and is externally audited, and the CIU publishes half-yearly programme reports. You can read where the money went, which is not true of every programme in the region.NDF reports twice a year and is externally audited.
The five Eastern Caribbean programmes now move together. In March 2024 Antigua and Barbuda, Dominica, Grenada, Saint Kitts and Nevis and Saint Lucia published a Memorandum of Agreement on information sharing and common standards; on 22 June 2024 they announced a seven-member Interim Regulatory Commission; and from 1 July 2024 a common minimum investment of 200,000 USD applies across every route, with discounting below it declared unlawful. On 24 September 2025 the OECS set regional standards - mandatory biometrics, annual public compliance reports, regional registers of applicants, agents and developers, and, in its own words, stronger residency and genuine-link requirements. In October 2025 the Bill creating the Eastern Caribbean Citizenship by Investment Regulatory Authority (ECCIRA) was published, with compulsory interviews, escrow accounts and fines up to 250,000 USD; it commences on a day the minister appoints by order in the Gazette, and we have found no confirmation that the day has come. Read the tables as today's position, not a settled one.
| Feature | Antigua and Barbuda | Other MOA programmes |
|---|---|---|
| Fund contribution | 230,000 USD - NDF | 200,000-250,000 USD |
| Physical presence | 5 days in five years | No presence requirement published |
| Approved real estate | 300,000 USD · 5-year hold | 200,000-350,000 USD · 3-7 years |
| Large-family route | UWI Fund - 260,000 USD for 6+ | No comparable fund route |
| Country | Fund route | From | Presence required |
|---|---|---|---|
Antigua and Barbuda | NDF contribution | 230,000 USD | 5 days in first five years |
Dominica | EDF contribution | 200,000 USD | None published |
Grenada | NTF contribution | 235,000 USD | None published |
Saint Kitts and Nevis | SISC contribution | 250,000 USD | None published |
Saint Lucia | NEF contribution | 240,000 USD | None published |
Antigua and Barbuda
Dominica
Grenada
Saint Kitts and Nevis
Saint LuciaThe CIU assesses the file against the 2013 Act, the Regulations and its own published criteria. The checklist below is what the Unit actually tests. Note where the weight sits: the character and history questions carry the file, not the size of the investment - a qualifying sum does not answer any of them.
Criteria as published by the CIU and checked on 26 August 2026. One inconsistency to know about: Form AB1 in its January 2022 edition still describes dependent children as under 18, or under 29 in full-time education, while the Unit's current Dependants page says 0-30 with financial dependency and no study requirement. The site is newer than the forms; we work to the site and confirm the point with the Unit on each file.CIU criteria, checked 26 Aug 2026. Form AB1 lags the site on dependants.
We choose between the NDF, the UWI Fund, approved real estate and a business investment, and settle who goes on the file - the choice drives both the investment and the fees.Pick the route, settle who goes on the file.
We engage an authorised representative and a licensed agent in Antigua and Barbuda, then build Forms AB1 to AB5 - application, photograph and signature certificate, medical certificate, evidence of investment, agent's form - with the passport forms.Licensed agent engaged; Forms AB1-AB5 built.
The agent files. At this point you pay due diligence in full and 10% of the government processing fee. Both are non-refundable, whatever the outcome.DD in full plus 10% of fees - non-refundable.
The Unit runs its checks and may come back for further information or call you to an interview - in Antigua and Barbuda or at an embassy, high commission or consulate. We answer every query on your behalf.Unit checks; extra questions or an interview possible.
The letter of approval starts a 30-day clock: the balance of the processing fee, the passport fees and the full contribution or investment. Fund money goes to the Government Special Fund.30 days to pay the balance and the investment.
The certificate of registration and the passport are issued, and you swear the oath or affirmation of allegiance, at home or at a mission abroad. From that date the five-day clock runs for five calendar years.Certificate, passport, oath - then the clock starts.
The CIU publishes neither a processing time nor a service standard - anyone quoting you a month count is quoting themselves, not the Unit. What is fixed is the payment order: due diligence and 10% of the processing fee at submission, non-refundable, then the balance within 30 days of approval.

We size the file first: which of the four routes fits, who on your list qualifies as a dependant, and what each additional person adds in processing fees and due diligence.Which route fits, who qualifies, what each person costs.
Forms AB1 to AB5 and the passport forms, with documented evidence behind every figure. Source of funds is the part of the file due diligence actually reads line by line.AB1-AB5 with evidence behind every figure in the file.
Regulation 4(1) allows only a licensed agent to submit. We select the agent, prepare the submission and stay on the file through every query the Unit raises.Reg. 4(1) allows no direct filing - we manage the agent.
Balance payments inside the 30-day window, passport collection, the oath of allegiance, and a schedule for the five days that keeps the passport renewable at year five.30-day payments, passport, oath, and a plan for the visit.







The CIU puts the position in one line: no capital gains tax or estate taxes, and no personal income taxes. The Inland Revenue Department's own list of administered taxes bears that out - personal income tax is not on it. Below is what the government publishes, and, in the last card, where it publishes nothing.
The Inland Revenue Department administers ABST, property tax, the Unincorporated Business Tax, the Corporate Body Annual Tax and a dozen more. Personal income tax is not among them, and the CIU says so directly.Not on the IRD's list of administered taxes.
Gains on the sale of assets are not taxed. If you take the real estate route, the constraint is contractual rather than fiscal: no resale for five years unless you buy another approved property here.Gains untaxed; property still has a 5-year resale bar.
Antigua and Barbuda levies no estate tax, so citizenship adds no inheritance charge on top of whatever your home jurisdiction applies to the same estate.No inheritance charge added by citizenship here.
ABST on sales, Property Tax, Travel Tax, Insurance Levy, Professional Licence, Telecommunication Tax and Withholding Tax, plus business taxes for the incorporated and unincorporated. Owning property or trading here puts you inside that system.ABST, property, travel and business taxes.
The Automatic Exchange Of Financial Account Information Act 2016, amended in 2018, 2022 and 2025, makes the Inland Revenue Department the competent authority. Accounts here are reported. A second passport does not make anyone invisible.AEOI Act 2016; the IRD is the competent authority.
No government source states that the foreign income of residents is untaxed. The conclusion rests on something narrower: there is no personal income tax at all. Your tax position is set by where you are resident, not by which passport you hold, and we will not tell you otherwise.No official statement - residence decides, not passport.
*As published by the CIU and the Inland Revenue Department, checked on 26 August 2026. Citizenship is not tax residence - we model your actual position, in both countries, before you commit.
We provide end-to-end support, from choosing the route and preparing the source-of-funds file to submission through a licensed agent and collection of the passport - with an individualized approach to each family.

15 years in cross-border structuring. Matches the family to the right route - NDF, UWI Fund, approved real estate or business investment and leads the file through due diligence to approval.

Builds the application itself: Forms AB1 to AB5, the source-of-funds evidence and the dependant documents. His document sets are the reason files clear due diligence the first time.

First point of contact for international families. Runs the whole process remotely, across time zones and languages - from the first call to the oath of allegiance and the passport in hand.
End-to-end support - route selection, the source-of-funds file, submission through a licensed agent, and the five-day obligation planned in from the start.
Get a consultation →Our legal team will assess your family at no cost and put it in writing: which programme, which route, who qualifies as a dependant, and where the due-diligence risks sit.
Four. A National Development Fund (NDF) contribution from 230,000 USD; the University of the West Indies (UWI) Fund at 260,000 USD, available only where six or more people apply together; approved real estate from 300,000 USD with a five-year holding period; and a business investment of 1,500,000 USD alone, or 400,000 USD as your share of a joint investment totalling 5,000,000 USD. On top of the NDF, real estate and business routes sit government processing fees of 10,000 USD for one applicant or 20,000 USD for a family of up to four, plus 10,000 USD for each dependant from the fifth.
No - but you do have to go there. The CIU requires at least five days in the country during the five calendar years after you obtain citizenship, and states that a citizen who does not spend them may be deprived of citizenship, with no refund of the investment. The requirement appears three times in the authority's own material: on the Citizenship page, in the signed declaration at section D4 of Form AB1, and on the passport page, which makes renewal conditional on those five days. The Act as originally passed in 2013 said 35 days; five days is what the CIU applies today.
On Form AB10 you supply any two of: entry and exit stamps in your Antigua and Barbuda passport, a hotel invoice, a boarding pass, or confirmation from a property management company. You also show that the investment was held for the whole five years - a title certificate, a land registry extract or a share register, depending on the route. Renewal itself costs 1,000 USD for an adult and 500 USD for a person under 18.
Your spouse; children aged 0-30 who are financially dependent on you, with no upper age limit where a child of 18 or over has a physical or mental disability, lives with you and is fully supported by you; parents and grandparents - yours or your spouse's - from 55 and financially dependent on you; and unmarried siblings of yours or your spouse's. Future family members can be added later for a fee: a future spouse of the main applicant costs 50,000 USD. One caution on later additions - the Schedule of Fees page prices the addition of a child aged 6-17 at 25,000 USD while the Dependants page on the same site says 20,000 USD. We have that confirmed in writing before you plan around either figure.
No. Regulation 4(1) is explicit: an application may be submitted only by an agent who holds an agent's licence. That is not a sales device - there is no direct channel to the Unit for anyone. Our role is to build the file and to manage the licensed agent who files it.
The CIU publishes no processing time and no service standard, so we will not quote you one as though it came from the Unit. What is published is the payment order: at submission, due diligence in full and 10% of the processing fee, both non-refundable; after the letter of approval, 30 days to pay the balance, the passport fees and the full investment.
The CIU does not publish a number. Its FAQ points to a ranking produced by a private consultancy, and its Passport & Visa Requirements page lists reciprocal arrangements rather than a total. Any firm quoting you a precise count is quoting a commercial index, not the government of Antigua and Barbuda. We check the specific countries that matter to you against current official notices instead.
No government source we could reach states the position either way. The CIU, the Department of Immigration and the Passport Office are all silent on whether a citizen may hold another citizenship or must renounce one, and the texts of the Citizenship Act, Cap. 22 and the Constitution were not accessible on the national legislation portal when we checked. In practice the more important question is what your present country allows - we check both sides before you file.
A passport issued under the programme is valid for five years, against ten years for an ordinary adult passport issued by the Department of Immigration. Renewal turns on the five days and on proof that the investment was held. Citizenship is granted by registration under the 2013 Act, and it carries no automatic right to vote - that follows the Representation of the People Act.
A great deal, and not all of it in force. Since 1 July 2024 a common minimum investment of 200,000 USD applies across the five Eastern Caribbean programmes, and discounting below it has been declared unlawful. On 24 September 2025 the OECS announced regional standards: a regulator called ECCIRA, mandatory biometrics for new applicants and for approved citizens at passport renewal, annual public compliance reports, regional registers - and stronger residency and genuine-link requirements. The ECCIRA Bill published in October 2025 would make interviews compulsory and set fines up to 250,000 USD, but it commences on a day the minister appoints by order in the Gazette, and we have found no confirmation that the day has come. Plan on the five-day rule being tightened rather than relaxed.
NDF 230,000 USD; UWI 260,000 USD for six or more; property 300,000 USD; business from 400,000 USD.
No, but five days within five years - or citizenship can go, with no refund.
Form AB10: any two of stamps, hotel invoice, boarding pass, property manager letter.
Spouse, children to 30, parents and grandparents from 55, unmarried siblings.
No - Regulation 4(1) allows filing only by a licensed agent.
The CIU publishes no timeline. We do not invent one.
The CIU publishes no number and points to a private ranking.
No official source states the position - we check both countries.
Five years; renewal needs the five days and the held investment.
OECS standards and the ECCIRA Bill - not yet confirmed in force.
“As a software development crew at FewMoreTaps OÜ, we've had the pleasure of working with Prifinance on some key financial moves.First of all, navigating the world of corporate banking and finance can be a maze, but Prifinance made it feel like a walk in the park. They helped us set up a corporate bank account without the hassle of jumping on a plane or drowning in paperwork. Everything was done remotely, smoothly…”

“I had their assistance in company registration and I would recommend them. They were answering all my clarification during the process and offering all their supportThank you Daniel and Irinia”

“We found PRIFINANCE COMPANYvia the Internet and asked for help in organizing the opening of their company in Estonia. PRIFINANCE COMPANY specialists helped us a lot with this. Their professional, competent approach and knowledge of their business left us with only the best impressions.”

“I'm thrilled with my experience with PriFinance! They helped me obtain a crypto license in Estonia without any hassle. The team was super understanding and always available to answer my questions and assist. It was great to see how they put effort into preparing the documents to ensure everything went smoothly. I'm delighted with the outcome and highly recommend PriFinance to anyone looking to get a license…”

“Opening an account with Prifinance in a Swiss bank was such an easy and quick process that I was shocked. It all started with the first call, where I received detailed guidance on the required documents and the entire procedure.One of the key highlights was their attention to detail. As someone who usually gets tangled up in paperwork, I was pleasantly surprised when they sent me all the documents and…”

“I recently had the pleasure of working with Boris.. and I must say, it was a fantastic experience. Boris went above and beyond to assist me with my residency needs. His professionalism, knowledge, and dedication truly stood out. I highly recommend working with Boris and the team!”

Get a free legal opinion on your case - our legal team will assess your family at no cost and provide a written opinion: which programme, which route, and what the due-diligence risks are.Free legal opinion: which route fits your family, and what it really costs.
Prifinance is an independent law and advisory firm. We are not a government body and are not affiliated with, endorsed by, or acting on behalf of the Citizenship by Investment Unit (CIU) or any other public authority. Citizenship is granted solely by the competent authority, at its discretion.