Compare jurisdictions, side by side.

Common Portuguese residency routes:

• D7 - passive income / pension
• D8 - digital nomad / remote work
• D2 - entrepreneur / self-employed
• D3 - highly qualified workers
• Tech Visa - eligible tech roles via accredited companies
• Golden Visa - restricted in scope after recent reforms
• Family reunification on most permits

Each has different income, residency-day, and renewal requirements.

BVI presence options:

• Work permits - employer-sponsored
• Residency for HNW under specific programmes
• Limited tourist / business visit arrangements

Romanian residency routes:

• Employment-based residence (including the Blue Card)
• Digital Nomad Visa - remote workers
• Business / investor routes
• Family reunification
• EU citizen-derivative routes

Portugal supports Lda (private limited) and SA (public limited) structures. Tax registration, social security registration, and a Portuguese tax representative are typically required. Substance, accounting, and reporting obligations are real.

BVI Business Companies (BVI BC) are the standard structure. Economic substance applies to relevant activities; UBO reporting is mandatory.

SRL (limited liability) is the standard structure. Formation involves notary and trade registry. Microcompany tax regime may apply for small businesses with eligible activities.

Personal accounts are accessible to residents and many non-residents; documentation is structured and predictable. Corporate banking depends on company structure and intended activity; Bordercase coordinates with banking partners for introductions.

Banking access has tightened materially; EMIs are common supplements. Bordercase coordinates introductions for cross-border cases.

Personal and corporate banking for residents is broadly accessible. Bordercase coordinates introductions for non-standard cross-border structures.

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

Family inclusion follows the main route. International schools are limited.

Family reunification is supported. International schools (English, French, German) are concentrated in Bucharest, Cluj, and Timișoara.

Risks Bordercase watches for in Portuguese cases:

• AIMA processing delays (formerly SEF)
• Misalignment between visa type and actual activity
• Tax residence triggered by accident - NHR window timing matters
• Past EU Schengen overstays must be disclosed
• Real estate vs investment routes have changed materially

Risks Bordercase watches for in the BVI:

• Economic substance reporting
• UBO disclosure and beneficial ownership reform
• Reputational handling around offshore structures

Risks Bordercase watches for in Romania:

• Tax residency triggers
• Microcompany regime eligibility
• Processing variations between counties
• Schengen entry / exit rules now apply

Typical document pack for Portuguese residency:

• Passport
• NIF (Portuguese tax number)
• Proof of accommodation (lease, deed, or invitation)
• Proof of income or assets (varies by route)
• Criminal record certificate with apostille
• Health insurance valid in Portugal
• Marriage / birth certificates for family routes
• Certified translations where required

Typical BVI documents:

• Passport
• Source-of-funds evidence
• KYC for all UBOs
• Apostilled foreign documents

Typical Romanian residency documents:

• Passport
• Criminal record certificate
• Proof of address
• Basis for residence
• Health insurance
• Family certificates

Apostilled and translated to Romanian.