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	Croatia Europe	Greece Europe	Montenegro Europe
Overview	Croatia is a Schengen-member EU country with structured residency routes for skilled workers, digital nomads, and family relocation. Bordercase coordinates with licensed Croatian partners for filings.	Greece offers structured EU residency routes including the Golden Visa investor route, the Digital Nomad Visa, and the Financially Independent Person (FIP) route. Bordercase coordinates with licensed Greek partners for filings and ongoing compliance.	Montenegro is a non-EU European country with structured residency routes, EU candidate status, and a growing role as a base for founders and remote workers in the region. Bordercase coordinates with licensed Montenegrin partners.
Best for	Digital nomads Families EU access Coastal living	Families Remote workers EU access Coastal living	Cost of living Coastal living Regional residency
Currency	EUR	EUR	EUR
Language	Croatian	Greek	Montenegrin / Serbian
Time zone	UTC+1	UTC+2	UTC+1
EU member	Yes	Yes	No
Schengen	Yes	Yes	No
Residency	Croatian residency routes: Employment-based residence Digital Nomad Residence Permit - remote workers Business / self-employment Family reunification EU citizen-derivative routes	Greek residency routes: Golden Visa - property investment (thresholds vary by region, recently raised) Digital Nomad Visa - remote workers Financially Independent Person (FIP) - passive-income individuals Employment routes Each route has different residency-day and renewal requirements.	Montenegrin residency routes: Temporary residence via employment Business / self-employment Real-estate ownership Family reunification Permanent residence typically after 5 years.
Company setup	d.o.o. (limited liability) is the standard structure; jednostavno d.o.o. is a simplified low-capital variant. Formation involves notary and court registration. Tax and VAT registration follow.	IKE (Private Company), EPE (LLC), and AE (Joint Stock Company) are common structures. Greek tax residency triggers worldwide income reporting; the non-dom regime may apply to eligible high-net-worth relocators.	DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.
Banking	Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.	Personal banking for residents is well established; corporate banking depends on activity. Bordercase coordinates introductions for non-standard structures.	Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.
Family	Family reunification is supported. International schools are available in Zagreb and along the coast.	Family reunification is supported on most routes. Schools (public, private, international, English-language) are available in major cities.	Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.
Risks	Risks Bordercase watches for in Croatia: Tax residency triggers Processing variations Digital nomad permit renewal rules and re-entry constraints	Risks Bordercase watches for in Greece: Property due diligence - especially older buildings Tax residency triggers Non-dom regime conditions Registration timing across municipalities Some routes do not permit employment in Greece without additional permits	Risks Bordercase watches for in Montenegro: Tax residency triggers EU accession dynamics may change rules over time Processing variations between municipalities Schengen entry / exit considerations for travel planning
Documents	Typical Croatian residency documents: Passport Criminal record certificate Proof of accommodation Health insurance Employment / income evidence Family certificates Apostilled and translated to Croatian.	Typical Greek residency documents: Passport Criminal record certificate Proof of income / assets Health insurance valid in Greece Accommodation evidence (deed, lease) AFM (tax number) Apostille and certified Greek translation where required.	Typical Montenegrin residency documents: Passport Criminal record certificate Proof of accommodation Basis for residence Health insurance Family certificates Apostilled and translated.

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