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Pathway

Bermuda Investment Residence

Bermuda Residency
Pathway overview

At a glance

Adults making an approved investment of at least BMD 2,500,000 can apply for Bermuda’s Economic Investment Residential Certificate.

Investment
At least BMD 2,500,000 in approved investments
Donation and fee
BMD 25,000 donation, which can count toward the investment, plus BMD 10,000 BDA administration fee
Continuing requirements
Published terms require keeping the investment for five years and spending at least 90 days a year in Bermuda; confirm the 2026 policy terms before applying

Summary

Bermuda’s Economic Investment Residential Certificate offers residence based on a qualifying investment, subject to review of the applicant and source of funds. The September 2026 policy adds a mandatory charitable donation and BDA administration fee, so the total commitment needs to be checked before choosing an investment. The donation can count within the qualifying investment.

Residence under the certificate does not confer Bermudian status or unrestricted work rights. An investment in a business can still involve the separate work-permit rules, and a property purchase may need landholding approval.

Could this pathway work for you?

Eligibility

Applicants must be at least 18 and establish a qualifying investment and the required charitable component. BDA checks the investment, source of funds, and personal records before the Minister decides. Published underlying terms require maintaining the qualifying investment for five years and spending at least 90 days in Bermuda in each of those years. Confirm that these terms and your proposed investment structure meet the complete 2026 policy with BDA before applying. Budget the BMD 10,000 BDA fee and the applicable government charges separately from the investment.

From eligibility to the application
  1. Check the qualifying basis Ask BDA to confirm your investment structure against the 2026 policy.
  2. Prepare the application Prepare the investment, donation, source-of-funds, and personal records and complete the enhanced checks.
  3. Complete the required process Apply for the certificate and track the holding, annual presence, and other continuing conditions.

The responsible authority checks the evidence and decides the application.

What This Route Allows

A residential certificate providing indefinite residence subject to its conditions. Qualifying spouses and dependent children can be included under the policy.

What This Route Is Not

This is not citizenship, Bermudian status, or unrestricted permission to work. Separate work-permit rules apply, including the policy’s treatment of the business you invest in. Property purchases can require landholding approval. Older summaries omit the new donation and BDA fee.

Next Steps

  1. Ask BDA to confirm your investment structure against the 2026 policy.
  2. Prepare the investment, donation, source-of-funds, and personal records and complete the enhanced checks.
  3. Apply for the certificate and track the holding, annual presence, and other continuing conditions.

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Sources