Compare jurisdictions, side by side.

Croatian residency routes:

• Employment-based residence
• Digital Nomad Residence Permit - remote workers
• Business / self-employment
• Family reunification
• EU citizen-derivative routes

Spanish residency routes:

• Non-Lucrative Visa - passive income, no employment in Spain
• Digital Nomad Visa - remote workers and self-employed (Startups Law)
• Self-Employed Visa
• Entrepreneur Visa
• EU citizen-derivative routes

The Golden Visa has been phased out for real estate purchases.

Antigua & Barbuda routes:

• Citizenship by Investment (CBI) via fund contribution or qualifying real-estate investment
• Standard work permits
• Family routes including spouse, dependent children and parents under conditions

Uruguayan residency routes:

• Standard residency - proof of income / qualifying activity
• Investor route
• Retirement / pensioner route
• MERCOSUR fast-track for member-state nationals
• Family reunification

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.

SL (Sociedad Limitada) is the standard private company. Registration involves NIE / NIF, notary, mercantile registry, and tax registration. Spanish tax residency triggers worldwide income reporting; the Beckham Law (special tax regime) may apply to eligible relocated workers.

IBCs are common in international structures. Reporting and substance frameworks have tightened.

SAS and SA are common structures. DGI tax registration and BPS social-security registration follow.

Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.

Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.

Banking is selective. KYC and source-of-funds documentation are central. Bordercase coordinates banking introductions.

Residency unlocks personal banking. Uruguay has historically been a HNW banking destination in the region; standards have tightened materially.

Family reunification is supported. International schools are available in Zagreb and along the coast.

Family reunification is supported on most residency routes after a qualifying period. Schools (public, private, international) are widely available; the public system is generally accessible to legal residents.

CBI applications can include qualifying dependents under conditions.

Family reunification is supported. Schools (public, private, bilingual, international) are concentrated in Montevideo and Punta del Este.

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 Spain:

• Tax residency triggers - 183 days + centre of interests
• Beckham Law (special regime) eligibility
• Autonomous-community tax variation
• Hacienda audits when planning is unclear
• Past Schengen overstays must be disclosed

Risks Bordercase watches for:

• Programme parameters change
• Due diligence has tightened
• Reputational and revocation risks if information is misrepresented

Risks Bordercase watches for in Uruguay:

• Tax residency triggers (the new-resident tax holiday has conditions)
• Banking documentation and source-of-funds rigor
• Apostille + Spanish translation requirements

Typical Croatian residency documents:

• Passport
• Criminal record certificate
• Proof of accommodation
• Health insurance
• Employment / income evidence
• Family certificates

Apostilled and translated to Croatian.

Typical Spanish residency documents:

• Passport
• NIE (foreigner identification number)
• Criminal record certificate with apostille
• Proof of income / assets
• Health insurance with full cover in Spain
• Accommodation evidence
• Marriage / birth certificates for family routes

Typical CBI documents:

• Passport
• Due diligence questionnaires
• Source-of-funds evidence (extensive)
• Family certificates with apostille and translation

Typical Uruguayan documents:

• Passport
• Apostilled foreign documents
• Proof of income or investment
• Health insurance
• Spanish translations where required