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	Spain Europe	Montenegro Europe	Hong Kong Asia
Overview	Spain offers structured EU residency routes for individuals, families, and entrepreneurs, including the digital nomad visa introduced under the Startups Law. Bordercase coordinates with licensed Spanish partners for filings.	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.	Hong Kong remains an active jurisdiction for company formation, banking introductions, and selected residency routes. Bordercase coordinates with licensed Hong Kong company-services and immigration partners.
Best for	Families Remote workers EU access Cost of living	Cost of living Coastal living Regional residency	Founders Banking Holding structures English admin
Currency	EUR	EUR	HKD
Language	Spanish	Montenegrin / Serbian	Cantonese / English
Time zone	UTC+1	UTC+1	UTC+8
EU member	Yes	No	No
Schengen	Yes	No	No
Residency	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.	Montenegrin residency routes: Temporary residence via employment Business / self-employment Real-estate ownership Family reunification Permanent residence typically after 5 years.	Hong Kong residency routes: General Employment Policy (GEP) Quality Migrant Admission Scheme (QMAS) Top Talent Pass Scheme (TTPS) Capital Investment Entrant Scheme (CIES) - recently revived Dependant routes
Company setup	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.	DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.	Hong Kong Limited companies are widely used for trading and holding structures. Annual filings, audited accounts, and a company secretary are required. Substance expectations and BEPS-driven changes affect ongoing planning.
Banking	Personal banking for residents is straightforward; corporate banking depends on activity and structure. Bordercase coordinates introductions for non-standard cases.	Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.	Local banking has tightened materially; some non-resident structures face long onboarding or rejection. EMIs and Singapore / Dubai banking are common alternatives. Bordercase coordinates introductions through current partners.
Family	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.	Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.	Family relocation is supported on most residency routes. Schools (local, private, ESF, international) are competitive; international school waitlists are real.
Risks	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 in Montenegro: Tax residency triggers EU accession dynamics may change rules over time Processing variations between municipalities Schengen entry / exit considerations for travel planning	Risks Bordercase watches for in Hong Kong: Company-only setups without substance face banking and audit friction Banking has tightened materially Political / policy shifts must be factored into long-horizon planning Annual audit and filing discipline is real
Documents	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 Montenegrin residency documents: Passport Criminal record certificate Proof of accommodation Basis for residence Health insurance Family certificates Apostilled and translated.	Typical Hong Kong documents: Passport CV Education certificates Employment history Company documents (where applicable) Family certificates with notarisation

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