Four qualifying routes: a contribution of 240,000 USD to the National Economic Fund, a property in an approved project from 300,000 USD, an approved enterprise project, or 300,000 USD in National Action Bonds. The current scale has been in force since 1 July 2024 under S.I. No. 106 of 2024. You never have to set foot on the island - the oath of allegiance is mandatory, but it may be sworn abroad.
Updated
Saint Lucia has run citizenship by investment since the Citizenship by Investment Act, No. 14 of 2015. Applications are filed by a licensed Authorised Agent, examined by the Citizenship by Investment Board and decided by the Minister; the Citizenship by Investment Unit (CIU) administers the programme. Regulation 8(1) lists four categories of qualifying investment - the National Economic Fund (NEF), an approved real estate project, an approved enterprise project, and the purchase of Government bonds. Three of them are priced by S.I. No. 106 of 2024, published in the Extraordinary Gazette of 9 July 2024 and deemed to have come into force on 1 July 2024: 240,000 USD for the NEF, 300,000 USD for approved real estate, and 3,500,000 / 6,000,000 / 1,000,000 / 250,000 USD across the three enterprise options. The bond route - the National Action Bond, at 300,000 USD plus a 50,000 USD administration fee - is published by the CIU itself. The Unit's own published timeline is approximately 90 days from the date your agent is told the application has been accepted for processing to the grant of citizenship.
It suits families who want a second citizenship without relocating: neither the Act nor the Regulations impose any residence or visit requirement, and the one in-person formality - the oath of allegiance - may be taken before an attorney-at-law, a Saint Lucian consular officer, an honorary consul, or a notary royal or notary public, anywhere in the world. Four things you should know before anyone quotes you a total. Government sources contradict each other on due-diligence fees, and the gap is roughly 7,500 USD per applicant - we set out both readings below rather than pick the flattering one. The most recent amendment to the Regulations, S.I. No. 57 of 2026, appears in the official register of statutory instruments but its text is not published anywhere we could reach, so its effect on the amounts is unknown and we confirm the scale with the Unit in writing before anyone transfers money. Processing of applications from nationals of Russia and Belarus has been suspended since 15 February 2023. And unlike Antigua and Barbuda or Saint Kitts and Nevis, Saint Lucia does levy personal income tax - on its tax residents, which citizenship alone does not make you.
CBI under Act No. 14 of 2015: an Authorised Agent files, the Board reviews, the Minister decides, the CIU runs the programme.
Four routes - NEF 240,000 USD, property 300,000 USD, bonds 300,000 USD, enterprise from 250,000 USD. Scale in force since 1 July 2024.
Regulation 8(1) of the Act names four categories of qualifying investment. Three carry amounts fixed by S.I. No. 106 of 2024, in force since 1 July 2024. The fourth - Government bonds, marketed as the National Action Bond - is published by the CIU at 300,000 USD plus a 50,000 USD administration fee, but that statutory instrument does not price it. Read the note under the cards before you plan around any single figure.
Four routes in reg. 8(1); three priced by S.I. No. 106 of 2024.
A one-off, non-refundable contribution of 240,000 USD. The amount is the same whether you apply alone or with up to three dependants - the per-person steps start only at the fourth. Nothing is held and nothing has to be sold later.
A one-off, non-refundable contribution of 240,000 USD. The amount is the same whether you apply alone or with up to three dependants - the per-person steps start only at the fourth. Nothing is held and nothing has to be sold later.
300,000 USD in a government-approved project, plus an administration fee that scales with the family. You take a title deed to the unit. Regulation 10(8) bars any sale or transfer for at least five years after citizenship is granted.
300,000 USD in an approved project plus an administration fee from 30,000 USD; no sale or transfer for 5 years.
300,000 USD in National Action Bonds, plus a non-refundable administration fee of 50,000 USD, covering you and any number of dependants. In the CIU's own words the bonds are non-interest bearing and must be registered and remain in the name of the applicant for a five-year holding period from the date of first issue.
300,000 USD in National Action Bonds, plus a non-refundable administration fee of 50,000 USD, covering you and any number of dependants. In the CIU's own words the bonds are non-interest bearing and must be registered and remain in the name of the applicant for a five-year holding period from the date of first issue.
Three options at very different scales: a sole investment of 3,500,000 USD; a joint venture of 6,000,000 USD in total with at least 1,000,000 USD from each applicant; or 250,000 USD with dependants plus applicable administration fees. All three figures come from S.I. No. 106 of 2024 and the CIU's published options.
Three options at very different scales: a sole investment of 3,500,000 USD; a joint venture of 6,000,000 USD in total with at least 1,000,000 USD from each applicant; or 250,000 USD with dependants plus applicable administration fees. All three figures come from S.I. No. 106 of 2024 and the CIU's published options.
Government fees sit on top of the investment and are not refundable, and here Saint Lucia's own sources do not agree. The CIU's investment-options page gives a single combined due-diligence and processing fee - 2,000 USD for the main applicant and 1,000 USD per qualifying dependant on the NEF and real estate routes, 8,000 USD and 5,000 USD on the bond and enterprise routes - and states that these are the only fees payable on submission. Schedule 1 of the consolidated Act (Cap. 1.20, showing the law as at 31 December 2022) and the CIU's own real estate page instead show processing of 2,000 USD and 1,000 USD plus a separate due diligence fee of 7,500 USD for the applicant and 5,000 USD for each dependant over 16. On the NEF route that is the difference between 2,000 USD and 9,500 USD for a single applicant. The discrepancy has not been resolved inside the government's own material, so we obtain the figure in writing from the Unit before a file is opened and budget for the higher reading until it answers. Due diligence is run only on people over the age of 16. Three further open points we will not paper over: the effective date of the 300,000 USD bond figure is not confirmed by any statutory instrument, because S.I. No. 106 of 2024 does not contain the bond route at all; the conditions attaching to enterprise Option 3 - project requirements, jobs, family composition - are not set out on any government source, so it should not be treated as an equivalent of the fund route; and S.I. No. 57 of 2026, the most recent amendment to the Regulations, is listed in the official register but its text is not published, so we cannot confirm from the instrument itself that the scale above is untouched. The amounts on the CIU's pages still match S.I. No. 106 of 2024, which suggests it is - but that is an inference from agreement, not a confirmed fact, and we say so.
The five Eastern Caribbean programmes raised their fund minimums together in 2024 and now sit within 50,000 USD of one another, so the price is no longer the argument. Saint Lucia's differences are structural: the only government-bond route among the five, a published processing time of about ninety days, and a definition of dependant that runs to seven categories - down to an unmarried sibling under 18.
Regulation 8(1) names the purchase of Government bonds as a qualifying investment, and the CIU publishes it as the National Action Bond at 300,000 USD plus a 50,000 USD administration fee. None of the other four Eastern Caribbean programmes offers a government-bond route at all. What we will not tell you is that it is money you get back: the CIU confirms only that the bonds are non-interest bearing and held in your name for five years from first issue, and no government source we could reach sets out the redemption terms.300,000 USD + 50,000 USD fee. Non-interest bearing, held 5 years.
The CIU states that from the date your Authorised Agent is notified the application has been accepted for processing, it takes approximately ninety days to the grant of citizenship. For scale, Grenada publishes three to six months, and Saint Kitts and Nevis 120 to 180 days to approval in principle. The Saint Lucian clock runs from acceptance, not from your first call - documents, medicals and notarisation happen before it starts - and a processing time is not a promise of approval.The CIU's own figure, from acceptance for processing to the grant.
Neither the Act nor the Regulations require you to live in or visit Saint Lucia, before or after the grant. The oath or affirmation of allegiance under s. 36(5) is mandatory, but the CIU confirms it may be signed before an attorney-at-law, a consular officer or honorary consul of Saint Lucia, or a notary royal or notary public - and reg. 7(8) allows attendance at a Saint Lucian embassy, high commission or consulate instead of an office on the island.The oath is mandatory but may be sworn abroad before a notary.
On the NEF route 240,000 USD covers the main applicant alone or with up to three dependants - a single applicant and a family of four contribute the same amount. The per-person steps begin only at the fourth dependant, at 10,000 USD for a child under 18 and 20,000 USD for anyone 18 or over. On the bond route there is no step at all: one price covers any number of dependants.240,000 USD alone or with three; steps start at the fourth.
The CIU's published list covers a spouse; a child of you or your spouse aged 21 or under; a child up to 30 fully supported by you; a child of any age with a physical or mental disability, fully supported; a parent of you or your spouse over 55, fully supported; a parent of any age with such a disability, fully supported; and an unmarried brother or sister under 18. A published scale also exists for adding family after the grant - 5,000 USD for a newborn, 35,000 USD for a spouse, 25,000 USD for any other qualifying dependant.Spouse, children to 30, parents 55+, siblings under 18.
Saint Lucia taxes residents on income from all sources, in or out of the country, under s. 8(1) of the Income Tax Act, Cap. 15.02 - and non-residents only on Saint Lucian sources. Residence is defined in s. 2(1) by a permanent place of abode plus physical presence, or 183 days in the tax year, or continuous presence bridging into an adjacent year. Holding the citizenship satisfies none of those tests on its own.Residence needs a home plus presence, or 183 days - s. 2(1).
Five Eastern Caribbean states signed a Memorandum of Agreement on 3 June 2024 to align pricing, regulation and vetting; a regional minimum of 200,000 USD took effect on 1 July 2024 and undercutting was barred. That is why the headline contributions now sit within 50,000 USD of each other. What still separates the programmes is how many routes are actually open, how long the authority says it takes, how long property has to be held - and what the country taxes.
| Feature |  Saint Lucia | Other MOA programmes |
|---|---|---|
| Fund contribution | 240,000 USD - NEF | 200,000-250,000 USD by country |
| Government bond route | 300,000 USD + 50,000 USD fee | Not offered by the other four |
| Published processing time | ~90 days from acceptance | 3-6 months by country |
| Real estate holding | 5 years after the grant | 3 to 7 years by country |
| Country | Fund route | Property route | Personal income tax |
|---|---|---|---|
| Saint Lucia | NEF - 240,000 USD | 300,000 USD · 5-year hold | 15/20/30% if tax-resident |
 Dominica | EDF - 200,000 USD | 200,000 USD · 3-year hold | 15/25/35% if tax-resident |
 Grenada | NTF - 235,000 USD | 350,000 USD · 5-year hold | 15/30% if tax-resident |
 Antigua and Barbuda | NDF - 230,000 USD | 300,000 USD · 5-year hold | None on individuals |
 Saint Kitts and Nevis | SISC - 250,000 USD | 325,000 USD · 7-year hold | Abolished in 1980 |
Saint LuciaDominicaGrenadaAntigua and BarbudaSaint Kitts and NevisSection 30 of the Act sets the positive test and s. 36(3) the grounds of refusal. Read the refusal grounds first - they are where files die, and one of them catches an applicant who simply left something out.
The tests above are drawn from Act No. 14 of 2015 and the Regulations as they stand on 26 August 2026. Two things worth knowing before you file rather than after. Citizenship can be revoked under s. 38(1) where registration was obtained by false representation, fraud or wilful concealment of a material fact, where the person is convicted of an offence, or where they act in a way capable of damaging the reputation of Saint Lucia; the Minister must give written notice of the grounds and there is a right of appeal to the High Court. And on dual citizenship we take no position: neither the Act nor the Regulations contain any provision requiring you to renounce an existing nationality, and no government source we could reach states the position outright - so we do not present it as settled either way, and neither should anyone else quoting you.Act No. 14 of 2015 and the Regulations, as at 26 August 2026.
One of the four categories in reg. 8(1): the National Economic Fund, an approved real estate project, an approved enterprise project, or National Action Bonds. We price each of them against your actual family before anything is committed.NEF, approved property, National Action Bonds or enterprise.
Regulation 7(1) requires a licensed Authorised Agent to submit on your behalf; there is no route by which you file with the Unit directly. We assemble the pack and the agent lodges it.Reg. 7(1): the agent submits, you cannot file yourself.
The non-refundable due-diligence and processing fees fall due on submission - before any decision, and regardless of the outcome. This is the point at which the conflicting published scales matter, so we settle the figure with the Unit first.Due diligence and processing fall due before any decision.
Background checks are run on everyone over the age of 16, alongside financial screening through the Financial Intelligence Authority - a requirement on every file taken into processing since 4 September 2023.Everyone over 16, plus Financial Intelligence Authority checks.
The main applicant is interviewed and identity-verified under the process introduced on 4 September 2023. The interview fee is payable by the main applicant only. We prepare each person for it individually.Main applicant, under the process introduced 4 Sep 2023.
The Citizenship by Investment Board examines the application and the Minister grants, refuses or defers. The decision is discretionary: the file is what we control, the outcome is not, and nobody can promise it.Grant, refusal or deferral - a discretionary decision.
Only after approval does the qualifying investment move, in full, together with the administration fees applicable to the route - 30,000 to 45,000 USD and up on real estate, 50,000 USD on bonds and on enterprise Options 1 and 2.Paid in full only after approval, with the route's fees.
Mandatory under s. 36(5), but not a reason to fly. It may be signed before an attorney-at-law, a Saint Lucian consular officer or honorary consul, or a notary royal or notary public - or taken at an embassy, high commission or consulate under reg. 7(8).Signed before a notary, consul or attorney - no flight needed.
A certificate of registration as a citizen is issued and the passport follows. The standard Saint Lucian e-passport fee is 250 XCD, with 300 XCD for an emergency or early replacement; those are general tariffs, not programme charges.Certificate of registration, then the e-passport at 250 XCD.
Approximately 90 days is the CIU's own published figure and it runs from the date your agent is notified that the application has been accepted for processing - collecting documents, medicals and notarisation happens before that. No stage of the process requires you to be in Saint Lucia, the oath included.
We price all four routes for your actual family - NEF, approved property, National Action Bonds and enterprise - with every dependant step and every government fee in one table, budgeted on the higher reading of the due-diligence scale until the Unit confirms it in writing.All four routes priced for your family, steps and fees included.
Section 32 and the Regulations require evidence of financial resources and of where they came from. This is where files stall, so we build the trail to that standard from the first document rather than repairing it after a query.Built to the s. 32 standard from the first document.
Regulation 7(1) routes every application through a licensed Authorised Agent - self-filing is not possible. We run that chain, hold the correspondence with the Unit, and answer the queries that come back.Self-filing is barred by reg. 7(1); we run the agent chain.
Interviews, identity verification and Financial Intelligence Authority screening have applied to every file taken into processing since 4 September 2023. We prepare the main applicant individually, and arrange the oath at a consulate or before a notary so nobody has to travel.Prepared individually; the oath arranged without a flight.
Saint Lucia is not a zero-tax jurisdiction, and we would rather you heard that here than after paying. It levies personal income tax - but on tax residents, and citizenship by investment does not make you one. The figures below are what the Inland Revenue Department and the Income Tax Act actually state; where a government source says nothing, we say so.
Three bands have applied since 1 January 2023: 15% on income from 0 to 15,000, 20% from 15,001 to 30,000, and 30% above 30,000, all in Eastern Caribbean dollars. Two of Saint Lucia's neighbours levy no personal income tax at all - this one does.15% / 20% / 30% bands in XCD, in force since 1 January 2023.
The resident personal allowance is 25,000 XCD from the 2023 tax year, and total deductions and allowances for 2023 to 2025 are capped at 30,000 XCD. The Inland Revenue Department states that tax is charged only on income above 18,400 XCD a year.25,000 XCD allowance; tax charged above 18,400 XCD a year.
Section 8(1) of the Income Tax Act, Cap. 15.02 charges a resident on amounts accruing directly or indirectly from all sources whether in or out of Saint Lucia, and a non-resident only on sources in Saint Lucia. The split is by residence, not by nationality.S. 8(1): residents on all sources, non-residents on local ones.
Section 2(1) defines a resident by a permanent place of abode in Saint Lucia plus physical presence, or presence of at least 183 days in the tax year, or continuous presence bridging into an adjacent year. A certificate of registration meets none of those tests by itself.S. 2(1): a permanent home plus presence, or 183 days.
Neither appears in the Inland Revenue Department's official A-Z of Taxes, which lists everything the Department administers - income and corporate tax, PAYE, withholding, property, VAT, consumption tax, stamp duty and the rest. Capital gains and inheritance are not on it.Neither appears in the IRD's list of administered taxes.
Whether Saint Lucia participates in the Common Reporting Standard could not be verified on any Saint Lucian government source - not the Inland Revenue Department, not the Ministry of Finance. We state it neither way, and a quote that asserts it should be asked for its source.CRS participation is not verifiable on any government source.
*Bands and allowances are those published by the Inland Revenue Department and the Ministry of Finance for the regime in force from 1 January 2023, in Eastern Caribbean dollars. The absence of capital gains and inheritance tax rests on their absence from the Department's own list of administered taxes - a strong indication, not a statute saying so, and we tell clients that before they build a succession structure on it.
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 Saint Lucian route - an NEF contribution, an approved property, National Action Bonds or an enterprise project and leads the file through due diligence to approval.
Builds the application itself: the official forms, the medical certificates, the dependant evidence across all seven published categories and the source-of-funds trail s. 32 requires. 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, the certificate of registration and the passport.
End-to-end support: pricing all four routes for your family, the source-of-funds pack, filing through a licensed Authorised Agent, interview preparation, and the oath arranged without a flight.
Get a consultation →Our legal team will assess your case at no cost and put it in writing: which programme, which of the four routes, who qualifies as a dependant, and where the due-diligence risks in your file are.
The qualifying investment is one of four: 240,000 USD to the National Economic Fund for you alone or with up to three dependants; 300,000 USD in an approved real estate project plus an administration fee from 30,000 USD; 300,000 USD in National Action Bonds plus a 50,000 USD administration fee; or an approved enterprise project at 3,500,000 USD sole, 6,000,000 USD joint with 1,000,000 USD each, or 250,000 USD with dependants. The NEF, real estate and enterprise figures are set by S.I. No. 106 of 2024, in force since 1 July 2024. Due-diligence and processing fees are charged on top and are not refundable - and that is where the government's own sources disagree, so read the next answer.
Because Saint Lucia publishes two scales and has not reconciled them. The CIU's investment-options page gives a single combined due-diligence and processing fee of 2,000 USD for the main applicant and 1,000 USD per qualifying dependant on the NEF and real estate routes, and 8,000 USD and 5,000 USD on the bond and enterprise routes, and says these are the only fees payable on submission. Schedule 1 of the consolidated Act - Cap. 1.20, showing the law as at 31 December 2022 - and the CIU's own real estate page instead show processing of 2,000 USD and 1,000 USD plus a separate due diligence fee of 7,500 USD for the applicant and 5,000 USD for each dependant over 16. For a single applicant on the NEF route that is 2,000 USD against 9,500 USD. We get the answer in writing from the Unit before opening a file, and until it arrives we budget on the higher reading. Anyone quoting you only the lower figure without mentioning the other has not looked.
No. Neither the Act nor the Regulations contain a residence or visit requirement, before or after the grant. The oath or affirmation of allegiance is mandatory under s. 36(5), but the CIU confirms it may be signed before an attorney-at-law, a consular officer of Saint Lucia, an honorary consul, or a notary royal or notary public, and reg. 7(8) allows attendance at a Saint Lucian embassy, high commission or consulate instead of an office on the island. On dual citizenship we deliberately take no position: nothing in the Act or the Regulations requires you to renounce another nationality, but no Saint Lucian government source we could reach states the position outright, so we do not present it as settled.
All four are in reg. 8(1) and all four are published by the CIU. Three of them - the fund, real estate and enterprise - are priced by S.I. No. 106 of 2024. The bond route is the exception: that instrument does not mention it, so while the route itself is beyond doubt, the effective date of the 300,000 USD figure plus the 50,000 USD administration fee is not confirmed by any statutory instrument we could obtain. The figure comes from the CIU's own options page. A separate COVID-19 Relief Bond that existed earlier is recorded as expired in the programme's 2023-2024 annual report.
Seven categories in the CIU's published list: your spouse; a child of you or your spouse aged 21 or under, with no further condition; a child up to 30 fully supported by you; a child of any age with a physical or mental disability, fully supported; a parent of you or your spouse over 55, fully supported; a parent of any age with such a disability, fully supported; and an unmarried brother or sister of yours under 18. On the NEF route the first three dependants are covered by the 240,000 USD; beyond that it is 10,000 USD for a child under 18 and 20,000 USD for anyone 18 or over. Family can also be added after the grant on a published scale - 5,000 USD for a child born within twelve months, 35,000 USD for a spouse, 25,000 USD for any other qualifying dependant.
The CIU's published figure is approximately ninety days from the date your Authorised Agent is notified that the application has been accepted for processing, to the grant of citizenship. Collecting documents, medicals and notarisation happens before that clock starts, and due diligence, the interview and Financial Intelligence Authority screening sit inside it. It is a processing time, not an outcome: the Minister decides at his discretion and no one can promise the grant.
No. Regulation 7(1) requires the application to be submitted by an authorised agent on the applicant's behalf, and the CIU's own wording is that an applicant must go through a licensed Authorised Agent who submits on your behalf. There is no direct filing channel with the Unit.
No. Processing of applications from nationals of Russia and Belarus has been suspended since 15 February 2023, and we have found no exception route on any government source. We will say that before you spend anything rather than after.
We are not going to give you a number. The CIU has a visa-free access page, but it returned an error on every attempt to read it, and no figure appears anywhere in the legislation or on govt.lc. Since we could not read it on a government source, we do not quote it as a fact - we check the specific destinations that matter to you against current entry rules instead. Treat any page that gives you a confident count without naming its source with suspicion, and note that the passport's validity period is not published on government sources either.
In force and confirmed: the current scale under S.I. No. 106 of 2024, deemed to have come into force on 1 July 2024 and published in the Extraordinary Gazette of 9 July 2024; mandatory applicant interviews, identity verification and Financial Intelligence Authority screening on every file taken into processing since 4 September 2023; the suspension of Russian and Belarusian applications since 15 February 2023; and the regional Memorandum of Agreement signed on 3 June 2024, whose 200,000 USD floor took effect on 1 July 2024 with price-cutting barred. Not confirmed, and treated as open: S.I. No. 57 of 2026, the most recent amendment to the Regulations, which is in the official register but whose text is not published anywhere we could reach; the Citizenship by Investment (Amendment) Act No. 22 of 2025 and the Eastern Caribbean Citizenship by Investment Regulatory Authority Agreement Act No. 21 of 2025, both recorded as assented in the Gazette of 10 November 2025 with neither text nor commencement date available; and S.I. No. 28 of 2024, listed in the register with its subject unknown. One more thing to disregard: the programme's 2023-2024 annual report quotes an NEF minimum of 100,000 USD. That is the pre-reform figure for the reporting period, not today's price.
NEF 240,000 USD, property 300,000 USD, bonds 300,000 USD, or enterprise from 250,000 USD. Fees on top.
The CIU page says 2,000/1,000 all-in; Schedule 1 adds 7,500/5,000. We confirm in writing first.
No. The oath is mandatory but may be sworn abroad before a consul or notary.
Yes, but S.I. 106 of 2024 does not price the bond route - only the CIU page does.
Spouse, children to 30, parents over 55, and unmarried siblings under 18.
About 90 days from acceptance for processing, per the CIU. Not a promise of approval.
No - reg. 7(1) requires a licensed Authorised Agent to submit for you.
No. Processing has been suspended since 15 February 2023.
We do not quote a number - the CIU's page would not load and no law states one.
S.I. 57 of 2026 and Acts 21 and 22 of 2025 - texts unpublished, effect unknown.
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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 of the four routes fits your family, and what it will really cost.
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 the Citizenship by Investment Board of Saint Lucia or any other public authority. Citizenship is granted solely by the competent authority, at its discretion.
