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	Romania Europe	Dominica Central America & Caribbean	Montenegro Europe
Overview	Romania is an EU member state with structured residency routes, accessible company formation, and competitive costs for founders and remote professionals. Bordercase coordinates with licensed Romanian partners.	Dominica is a Caribbean jurisdiction with a long-standing Citizenship by Investment programme. Bordercase coordinates with authorised local agents.	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	Founders Digital nomads EU access Cost of living	Second passport English admin Caribbean residency	Cost of living Coastal living Regional residency
Currency	RON	XCD	EUR
Language	Romanian	English	Montenegrin / Serbian
Time zone	UTC+2	UTC-4	UTC+1
EU member	Yes	No	No
Schengen	Yes	No	No
Residency	Romanian residency routes: Employment-based residence (including the Blue Card) Digital Nomad Visa - remote workers Business / investor routes Family reunification EU citizen-derivative routes	Dominica routes: Citizenship by Investment (CBI) via fund contribution or approved real-estate investment Standard work permits Family routes	Montenegrin residency routes: Temporary residence via employment Business / self-employment Real-estate ownership Family reunification Permanent residence typically after 5 years.
Company setup	SRL (limited liability) is the standard structure. Formation involves notary and trade registry. Microcompany tax regime may apply for small businesses with eligible activities.	Domestic companies and IBCs are common in international structures.	DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.
Banking	Personal and corporate banking for residents is broadly accessible. Bordercase coordinates introductions for non-standard cross-border structures.	Banking is selective. Bordercase coordinates banking introductions through current partners.	Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.
Family	Family reunification is supported. International schools (English, French, German) are concentrated in Bucharest, Cluj, and Timișoara.	CBI can include qualifying dependents.	Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.
Risks	Risks Bordercase watches for in Romania: Tax residency triggers Microcompany regime eligibility Processing variations between counties Schengen entry / exit rules now apply	Risks Bordercase watches for in Dominica: Programme parameters change Due diligence has tightened Reputational and revocation risks if information is misrepresented	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 Romanian residency documents: Passport Criminal record certificate Proof of address Basis for residence Health insurance Family certificates Apostilled and translated to Romanian.	Typical CBI documents: Passport Due diligence questionnaires Source-of-funds evidence (extensive) Family certificates with apostille and translation	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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