While there are a few hoops to jump through, many people have no problem moving their pets with them to a foreign country. In this guide, we’ll outline a few steps you need to take and the things you need to keep in mind in order to safely and comfortably move your pet to a foreign country.

Preparing to move abroad with pets

So, you’re moving abroad, and you’d like to take your pet(s) with you. The good news is, this is usually a straightforward process. The bad news is, there are some exceptions where you may find it more difficult, or even impossible.

The camp you and your pet fall into depends on a number of factors, including:

• The pet import laws in your destination country
• The species, and breed of your pet
• Whether your pet is microchipped and vaccinated
• The age and health of your pet
• Whether or not your pet has complex needs, e.g. requires specific temperatures to survive
• The availability of specialist transportation to move your pet, especially over long distances

As you can see, the challenges you may face will depend on the laws about bringing pets into your new home country, and the logistics of moving your pet. If you are moving to the other side of the world via plane, it may be very difficult to bring your beloved pet with you.

So, in order to prepare for moving your pet abroad, there are a few things you’ll need to do in advance.

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1/ Check the local laws in your new country around importing pets

Every country will have its own rules and regulations about the import of pets. The rules you encounter will change depending on the species and breed of animal you are importing, and the country you are moving from. The rules will be subject to change based on the emergence of new criteria – for instance, during the COVID-19 pandemic, it became much harder for people to move their pets from one country to another.

If you can’t find up-to-date information about pet import laws online, you may wish to consult the nearest embassy or consulate of your destination country.

2/ Make sure your pet is up-to-date with vaccinations

All countries require proof of an up-to-date rabies vaccination for animals such as cats, dogs and ferrets. The GOV.UK website states that your pet must be at least 12 weeks old before it is eligible to receive a rabies vaccination, and that you must wait at least 21 days after your pet has received its vaccination until it is ready to travel.

Most countries will also require evidence that your pet has been vaccinated against diseases including distemper, hepatitis, parvovirus and leptospirosis. In the case of leptospirosis, your pet may need to undergo testing in your home country 30 days prior to your departure, before it can be deemed eligible to travel.

There may also be other vaccinations your pet requires before it is eligible to travel. Check with your destination country’s embassy or consulate to understand the laws around pet vaccinations. For instance, EU countries specify that pets must be treated against the tapeworm Echinococcus multilocularis.

3/ Get your pet microchipped

At the same time your pet receives its rabies vaccination, you should also have it microchipped. A microchip contains a unique number that can be used by veterinarians around the world to identify your pet and connect it to its universal medical records, including records of vaccinations.

A microchip also holds contact information about you, the owner, meaning it can be used to help identify your pet if it is lost or stolen. In many countries, it is a legal requirement that your pet must be microchipped.

4/ Apply for an International Health Certificate

After completing its vaccinations and having been microchipped, your veterinarian will be able to issue your pet with an International Health Certificate (IHC). This will document your pet’s vaccinations records and medical history, as well its date of birth, weight, breed, microchip number, owner’s contact details and the pet’s name. IHCs are valid for up to four months, and can be used for any onward travel during this time. You may need to pay a fee to acquire an IHC from your vet.

You will need to submit your pet’s IHC at least 10–15 days before travelling, both to the customs authorities of the country you intend to travel to, and the couriers or airline who are responsible for relocating your pet. Failure to submit a complete and notarised IHC may result in your pet being denied entry.

5/ Get a pet passport

If you would like something a bit more permanent than an IHC, you may be able to apply for a pet passport. Some countries issue these passports in lieu of IHCs, and they are valid for between one year to the entire life of your pet (so long as it continues to receive its full course of inoculations).

Not all countries accept pet passports, so you may still need to acquire a separate IHC depending on where you are travelling. On the other hand, some countries actually require your pet to have a passport.

If you are moving to a country that accepts pet passports, it’s advised you apply for the scheme ahead of time. Pet passports contain the microchip details, vaccination records and notes from the animal’s veterinarian. You may need to pay a small fee to be issued a pet passport.

The pet passport for the country you intend to move to may be different from the typical Pet Travel Scheme (PeTS) passport, so make sure you research ahead of time if, and what form of pet passport to apply for.

Which countries require a pet passport?

The pet passport scheme is used across the European Union, but many other countries accept and/or require a pet passport. They include:

What if I can’t get a pet passport?

Pet passports are not accepted in many countries, and are not available for certain species including birds, small mammals and reptiles. If you are travelling to a country that does not accept pet passports, and/or you intend to travel with an animal that cannot be given a pet passport, you will need to import the animal like any other form of live cargo. For this, you will need to ensure your pet has an Export Health Certificate (EHC) signed by a vet, or a private health certificate where these are not available.

6/ Apply for an import permit

Another document you may need, especially if you are moving outside of Europe or North America, is an import permit. In order to obtain this, you will need to visit the government website of the country you are moving to and complete a form, submitting details of your pet’s vaccination and medical history while also paying a fee. You will need to display a copy of this import permit at the border when you arrive in your new home country.

The process for applying for an import permit will vary depending on the country you are travelling to, so make sure to check well in advance. You will typically need to apply for an import permit at least 10–15 days before travelling.

In summary

When taking your pet abroad, you should begin by visiting your vet. They can provide the necessary vaccinations and microchipping, and help you get started with the necessary paperwork. You must also check with the embassy of the country you intend to travel to in order to find the relevant documentation to legally import your pet.

Make sure all paperwork is completed and submitted ahead of your planned travel date and that you comply with all laws, otherwise your pet may be turned away at the border, quarantined, or you could face a sizable fine.

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Questions to ask when moving your pet overseas

Once you have completed all the relevant paperwork, you will need to think about the logistics of moving your pet to a foreign country. Whether you intend to move your pet by land, sea or air, you will need to:

• Prepare your pet for a lengthy journey
• Consult your courier (if you are using one) to understand their policies
• Embark your pet, and be ready to receive it
• Understand the laws of all territories you intend to pass through, especially if travelling by land

Here are some things to think about in advance of moving your pet:

1/ How will you be transporting your pet?

Do you intend to move your pet yourself, for instance by travelling in a car? Or, will you be handing your pet over to a courier, such as an airline? 

The mode of transportation you choose will inevitably put your pet under stress, so you may want to think about ways to make it easier.

If you’re moving your pet by car

Make sure your car is properly air conditioned, that your pet has a comfortable seat in a shady spot, and that you have enough food, water and medication for the journey.

Pets can often get anxious and travel sick on long journeys, so you should factor in several rest stops to give your pet time to stretch its legs and use the toilet.

If you’re moving your pet by plane

Every carrier has its own rules and requirements for the transport of animals and you may need to shop around to find an airline that will allow you to ship your pet. Many airlines (particularly those flying smaller aircraft) do not allow the transport of animals.

Others will allow pets to be transported in the cargo hold, for which they will usually provide a dedicated holding pen for your pet. Meanwhile some airlines, including KLM, Lufthansa and Air France, may allow you to take your pet with you in the cabin, so long as the pet is less than 8 kg and can fit inside a cabin bag

Before agreeing to ship a pet via air, you should be aware of your pet’s health and resilience. While most airlines regulate the temperature and climate of the cargo hold to around 18 degrees centigrade, and provide a specialist carrying case to suit your pet’s size and weight, you must still remember that your pet will be travelling alone for the duration of the flight.

If your pet requires regular feeding, medication, toilet cleaning, or is known to be anxious when separated, travelling by air may cause your pet distress. It’s therefore up to you to make sure your pet has a comfortable, suitable environment for the duration of its flight.

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There are other questions you may wish to ask yourself in advance of transporting your pet:

• Is demand high? Airlines have limits on the number of pets that can be transported on each flight, so if you’re travelling in peak season, you may find spaces limited on board. Be sure to book well in advance to avoid disappointment.
• Will your pet be transferring via connecting flights, and if so have you checked in advance on the rules and procedures about bringing pets through the connecting country/airport? And, does the connecting airline have different rules that you need to be aware of?
• Will your pet be on the same flight as you, or will it be travelling alone? If so, does the airline or receiving country have rules around how quickly the pet must be collected when it has disembarked?
• Will you require specialist travel insurance that covers you for loss or injury to your pet?

If you’re moving your pet by boat

While many ferries allow pets on board, only a few liners and cruise ships do the same, so you should check with the shipping company to see what their rules around pets are. Those that do allow pets tend to provide pet facilities such as exercise areas on board, but you must be sure to bring your own supply of food and medication, especially if you will be making a long trip.

You should also be aware of the customs procedure at the opposite port, since you may encounter a less developed customs station than you would find in an airport. Make sure you have all relevant documentation with you, and that you understand the laws of the receiving country.

If your ship is scheduled to stop in countries that you do not have clearance for, you may need to leave your pet on-board if you wish to disembark. You should understand the ship’s rules regarding unattended pets if you will be leaving your pet alone.

2/ Do you need an acclimation certificate?

An acclimation certificate may be required by airlines when they cannot guarantee the transfer of your pet in compliance with animal welfare guidelines in either your country of departure, destination country, and/or the country in which the aircraft is registered, or the International Air Transport Association’s Live Animal Regulations manual.

An acclimation certificate waives the airline’s liability in the case of injury, distress or death caused by the transport of your animal, and places the responsibility on your shoulders. If your airline requests an acclimation certificate, you will need to get one from a vet, who will assess your pet’s health, wellbeing and resilience in order to make a decision. Acclimation certificates are becoming rarer, but some airlines – particularly those in North America – still use them.

3/ Are you prepared for the final leg of the journey?

It may sound simple, but something many pet owners forget is the final stage of the journey, i.e. the journey from the port/airport to your new front door.

For this, you may wish to organise a taxi in advance – specifically, one that will permit you to bring a pet with you. If this is not an option, you may instead wish to hire the services of a specialist local courier.

4/ Should you use a pet relocation company?

If you are unsure of your responsibilities, if you think your pet may require expert handling, or if you simply wish to take the stress out of moving your pet abroad, you may wish to speak to a pet relocation company. These are specialist companies that manage the transfer of pets overseas.

They may be able to handle the entire process on your behalf, including acquiring documentation, organising transport, ensuring your pet has a comfortable and safe journey, and receiving the pet in your new home country. These services don’t come cheap, but you may find them to be worth the price in return for all the headaches saved.

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Should I rehome my pet instead of taking it abroad?

In some cases, it may not be possible to take your pet with you. This is especially likely if:

• Your pet is too old to travel
• Your pet has complex health conditions that make it difficult to travel
• Your pet is of a species or breed that is forbidden from entering your new home country
• You are unable to adhere to the complex requirements in your new home country

You must also consider whether moving your pet to a different country would be inhumane and cause the pet unnecessary pain and distress. This may be the case if:

• You are moving to a climate that the pet is not familiar with, and that its species or breed is not suited for
• You are moving to a place where the wildlife poses a threat to your pet’s life
• You are moving to a place where your pet’s complex needs cannot be satisfied by the local infrastructure. E.g., you will not be living near a vet who can provide your pet the medication it needs.

Furthermore, remember that moving your pet internationally may end up being a two-way journey. Your pet may be fit and healthy enough to travel today, but will they still be fine to travel home in a few years time?

If you feel it would be better to leave them at home, you may wish to consider rehoming your pet. This is a deeply personal choice, and one that many expats before you have had to make. Some expats have been lucky enough to have friends or family willing to take them on their behalf, while others have had to send their pet to a rescue facility. In either case, you must be ready to face this emotional choice.

If you go for the latter option, it’s important to speak to a reputable local facility. Try to find one that specialises in the species of your pet. Remember that if your pet is old and infirm, it may be more difficult to find a rescue facility willing to take them in.

You may also need to take your pet to the vet in order to have them vaccinated or microchipped before a rescue facility agrees to take them. Remember, if your pet is taken into a rescue facility, they may be put up for closed adoption, meaning you won’t be given details about the new owners and you may not be able to see your pet again.

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How to help your pet settle in

Once your pet has arrived safely, they may take several weeks to get used to its new surroundings. During this time, you may notice your pet’s behaviour change – they may seem skittish, reclusive or even angry. These are natural responses, and they are likely to get back to feeling themselves soon – still, there is plenty you can do to accelerate the process and help your pet settle in quicker.

1/ Make sure to pack home comforts

Your pet is likely to be sensitive to sights, smells and sounds that feel familiar. Therefore, you can help them feel more at home by surrounding them with objects brought from home. Whether it’s their favourite toys, blankets or snacks, or even the sofa they used to sleep on, try to ensure there is continuity between your old home and your new home.

2/ Stay close

Your pet is likely to feel much more anxious if it is both in a foreign place, and alone. Therefore, try to stay close to your pet (if you can) while it is still settling in. If you’re starting a new job, see if there is a ‘bring your pet’ policy. Your pet may exhibit more ‘needy’ behaviour, such as wanting cuddles – try to be sensitive and make time to reassure and soothe your pet as it settles in.

3/ Continue your routines

An especially important tip if you have moved to a new time zone is to continue your ordinary routines from home. For instance, try to continue feeding at the same times of day. This will help your pet experience a sense of normality, despite the alienness of its new surroundings.

4/ Get out and about

Taking regular walks, letting your pet exercise in the garden, or getting it out of its habitat will help your pet to become acquainted with its new environment. As it builds up a profile of the sights, smells and sounds in its new home, they will start to adapt and feel more at home.

5/ Protect your pet

A new environment may present new dangers. The local wildlife may be more aggressive, local plants may be spikier and stingier, and periods of extreme hot or cold may all put your pet at risk. If your pet is constantly on edge against new threats, they will find it harder to settle in. Try to ensure your new home is a safe space for your pet by removing or reducing the risk of hazards.

6/ Give your pet a ‘safe space’

If your pet seems reclusive or anxious, they may be struggling to adapt to its new environment. In these cases, they may prefer the solitude of a secluded space. Try to make sure your pet has a cage, box or bed away from prying eyes where it can go to be alone. Keep this space out of reach of children to ensure your pet has time and space to rest and recuperate.

7/ Spoil your pet

If all else fails, you can always shower your pet with gifts, love and attention! New toys, rich food and a comfy new bed may help distract your pet, helping it to feel happy in spite of its new surroundings.

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Helping you move abroad since 1992

At William Russell, we have over 30 years’ experience helping expats just like you settle into their new lives overseas.

We don’t insure pets, but we do provide international health insurance for every other member of your family. With flexible coverage options, access to over 40,000 medical facilities worldwide, a 24/7 helpline, medical evacuation insurance as standard and much more, let us help take the stress out of your move.

Find out more about our international health insurance policies and get a quote online in under two minutes today.

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The good news is that it’s all manageable with a bit of planning and some simple decision-making. Here’s our guide to help you navigate what to do with your furniture, homeware, and most cherished items as you prepare to start your new chapter abroad.

Weighing the pros and cons of selling or storing your belongings

Deciding whether to sell or store your belongings is a personal one. That’s why it’s important not to rush into a decision you might regret later. Let’s start by looking at the key reasons why expats choose to sell or store their belongings:

Selling your belongings

Pros of selling

• Less hassle and expense: Selling your items means you won’t need to worry about monthly storage fees or the logistics of transporting goods to a storage unit. It also frees you from the task of managing items from afar.
• Extra cash: The money you make from selling furniture, appliances, or electronics can help fund your move and support your new lifestyle abroad.
• Decluttering: A move is the perfect opportunity to clear out the things you no longer need, leaving you ready to start fresh when you reach your new home.

Cons of selling

• Replacing items later: Selling means you will need to rebuy the things you need if and when you decide to return home. 
• Sentimental loss: If you have items with emotional value – such as heirlooms or memorabilia – selling them could lead to regret. Once they’re gone, they’re often irreplaceable.
• Time and effort: Selling your belongings can take time, especially if you’re hoping to get a good price. Organising sales or listing items online may add stress to your moving preparations.

Storing your belongings

Pros of storing

• Convenience: Long term furniture storage allows you to keep your possessions safe and secure, so you don’t have to replace everything if and when you return. 
• Preserving sentimental items: Putting items in storage ensures you can keep items of personal or emotional value without needing to make any permanent decisions about them.
• Flexible options: There are storage solutions for every budget if you’re willing to do the research, from small lockers for a few key items to climate-controlled units for larger or more valuable belongings.

Cons of storing

• Cost: Storage fees add up. While it may seem affordable in the short term, it’s important to think about how long you may need to keep your items in storage, and how you can continue to afford the payments.
• Risk of damage: Even in the best conditions, items in storage can be subject to wear and tear. Furniture may warp, electronics can corrode, and the risk of accidents like fire or flooding always exists.
• Out of sight, out of mind: While storing belongings provides peace of mind, it can be easy to forget what you’ve packed away. If your move turns out to be longer than expected, you may question whether the items were worth storing in the first place.

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Sell or store? Questions to consider

To help you decide whether to sell or store your belongings, we’ve created an essential list of questions to consider. 

1/ How long will I be away?

If your expat role is for a fixed period, such as a one year secondment overseas, and you know you’ll return home after that, short term storage may make sense. However, long term furniture storage can be expensive, so consider whether everything you own is worth keeping. On the other hand, if your move is more open-ended, it might be a good opportunity to sell or donate items that you no longer need.

2/ Will I need this when I return?

Imagine what your life will be like when you return home. Will that oversized sofa or bulky coffee table fit in your future living space? If you anticipate downsizing or living in a different type of property, some of your furniture might not be practical to keep.

3/ Do I use this regularly?

We all have those items we once loved but no longer use – like that set of golf clubs gathering dust, or the box of clothes you haven’t worn in years. Use this as an opportunity to de-clutter your life. If you’re not getting much use out of something now, it might not be worth holding onto, especially if it’ll just sit in storage for years to come.

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4/ Is it in good condition?

Even if an item is useful, consider its condition. Furniture, clothes, books and kitchen utensils can all wear out over time. Will it still be useful and appealing after spending a year or two in storage? If it’s already showing signs of age or wear, it might be time to let it go and replace it when you return.

5/ Does it hold sentimental value?

Sentimental items are often the hardest to part with. Whether it’s family heirlooms, old photo albums, or keepsakes from loved ones, some things are irreplaceable. Prioritise storing these meaningful possessions. They may not have much financial value, but their emotional significance is priceless. You may also be able to give them to family and friends to hold onto, and keep safe.

6/ Could I sell this one and buy another one abroad?

Depending on where you’re moving to, you may be able to find a like-for-like replacement for your essential items. This means you won’t need to worry too much about parting with your belongings. 

Better still, you may even be able to make a profit. This is because some of your favourite items may be considerably cheaper abroad. Say, for instance, you sold your frying pan for £10. You may be able to find the same frying pan, brand new, in your new country for £5. Hey presto, you’ve not only replaced your frying pan, you’ve also walked away with a tidy profit!

7/ Is it a duplicate?

If you’ve got three sets of crockery or an excessive amount of kitchen gadgets, consider whether you really need to store them all. Keep a few essentials and sell or donate the rest to lighten the load.

Once you’ve answered these questions, you’ll have a clearer sense of what to keep and what to let go. For items you decide to sell, take a realistic approach to pricing. It’s easy to overvalue our own possessions, but remember, the goal is simply to shift those items.

You can sell unwanted items online through marketplaces, or locally through car boot sales or charity shops.

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The expat guide to storing your belongings

If you’ve decided to keep certain belongings, you’ll need somewhere safe and affordable to store them. Here are a few tips to help make sure your possessions stay in good condition during your time away.

1/ Research storage options

Long term furniture storage can vary significantly depending on where you live and the type of unit you choose. Shop around and compare furniture storage costs to ensure you’re getting the best value for money. Look for reputable companies with secure facilities and consider long-term deals if you expect to be away for an extended period.

2/ Pack carefully

It goes without saying, but pack fragile items – like glassware or crockery – with extra care. Use bubble wrap, and make sure to fill boxes with packing material to prevent shifting during shipping. Number each box and keep a list of what’s inside, so you or a friend can find items easily if needed.

3/ Disassemble where possible

Furniture that can be taken apart will not only take up less space in storage but also reduce the risk of damage. Be sure to label each piece carefully and keep all screws and bolts in labelled bags, so reassembling is easy when the time comes.

4/ Consider climate-controlled storage

For wooden or upholstered furniture, or valuable art, consider investing in a climate-controlled unit to protect against humidity, damp, or extreme temperatures. While it may cost a bit more, this can make all the difference in preserving your belongings in pristine condition.

5/ Don’t forget insurance

If you’re storing high-value items, it’s worth considering self-storage insurance. This will protect your possessions against potential risks such as theft, fire, or flood, giving you peace of mind while you’re abroad.

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Thinking of moving abroad?

Wherever you decide to move, make sure you have the confidence of international health insurance.

At William Russell, we have been providing worldwide health cover for over 30 years, helping expats like you and their families to settle into their new homes overseas. Speak to us today to find out more about how global health insurance could support you.

The post Selling Or Storing Your Belongings: Essential Tips For Moving Abroad appeared first on William Russell.

In this guide, we’ll walk you through everything you need to know about moving to Spain, from navigating the local culture to finding the perfect place to call home. Whether you’re drawn by the sunny climate, the rich cultural tapestry, or the promise of a healthier lifestyle, Spain is ready to welcome you with open arms.

Steps in a street in Calpe, Alicante, painted with the colours of the Spanish flag // GETTY IMAGES

Life in Spain: What to expect from living in Spain as an expat

What is life in Spain like?

Spain’s natural geography is incredibly diverse, offering everything from sunny beaches and rugged mountains to rolling countryside and cosmopolitan cities. The country enjoys a Mediterranean climate along its southern coast, with hot summers and mild winters, and an Atlantic climate along its northern coast, which is humid and mild.

Politically, Spain is divided into 17 autonomous regions, each with its own unique culture, history, and traditions. This includes island regions including the Canary Islands and the Balearic Islands, plus two autonomous cities on the north coast of Africa, Ceuta and Melilla. Each region of Spain has significant autonomy in areas such as education, health, and regional governance, reflecting the country’s rich diversity. 

Modern Spain is a democratic constitutional monarchy, with a parliamentary system and a history shaped by both regional identities and central governance. Pedro Sánchez is the current President of Spain and has been in office since June 2018.

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Culture in Spain

For those looking to make Spain their home, whether for a short-term stay or a more permanent move, the country’s warm and welcoming culture makes it one of the friendliest places for expats. With a combination of vibrant fiestas and laid-back café culture, Spain offers a rich and fulfilling experience for those eager to immerse themselves in its way of life.

Spaniards place a strong emphasis on community and social connections, and this is reflected in their daily routines. Long, leisurely meals with family and friends are an important aspect of Spanish life, often centred around shared plates of tapas and accompanied by lively conversation.

The importance of socialising is also evident in Spain’s many festivals, from the lively streets of La Tomatina to the religious processions of Semana Santa. These events are more than just celebrations – they are integral parts of the cultural fabric that bring Spanish people together.

The cultural diversity across the regions is another highlight of life in Spain. Each autonomous community has its own distinct customs, cuisine, and even languages, such as Catalan, Galician, and Basque, adding layers of richness to the Spanish experience.

When it comes to religion, Spain is traditionally a Catholic country. Today, 52% of Spaniards call themselves Catholic, with 16.8% practising and 35% non-practising. However, despite this, Spain has become very liberal in its ideology throughout the modern period, having legalised both abortion and gay marriage, thus making it a very welcoming country to those from all walks of life.

What language do they speak in Spain?

The official language in Spain is Castilian Spanish, which is spoken by the majority of citizens. However, some autonomous regions have their own official language in addition to Castilian Spanish. 

Here’s how many people speak the regional languages in Spain:

As an expat moving to Spain, learning Castilian Spanish should be a high priority. While it might be possible to get by speaking English in larger cities such as Madrid or Barcelona, learning at least basic conversational Spanish will make your new life in Spain a lot easier to navigate.

Luckily, Spanish is one of the easiest languages to learn as a foreigner, containing far fewer words than the English language. With a bit of immersion, you shouldn’t have any trouble slipping into the Spanish tongue.

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Working life in Spain

It’s fair to say that the Spanish have a fairly relaxed attitude to the workplace – particularly when it comes to timekeeping. This can come as a culture shock to some expats and can be especially frustrating if you come from a country with a fast-paced working culture. 

Spanish working culture emphasises strong personal relationships. Building trust is crucial, and meetings often begin with casual conversation. Hierarchies within the workplace are respected, however and decision-making can take time, reflecting a preference for consensus and thoroughness.

Perhaps the most recognisable aspect of Spanish working culture is their commitment to work-life balance. Being a very family-orientated culture, work-life balance is highly valued, with long lunch breaks and a slower pace of life being common. Many businesses close during the afternoon for a “siesta”, though this is gradually becoming less common in urban areas.

How many expats live in Spain?

As of 2024, there were 8,915,831 foreign-born people living in Spain, making up 18.3% of the population. 

These are the most common foreign nationalities living in Spain:

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The cost of living in Spain

The cost of living in Spain varies slightly depending on where you choose to live, and the lifestyle you choose. However, in general, Spain is a relatively affordable country to live in. Expats living in Spain can expect to pay less for rent, food, and transportation than they would in other European countries.

Numbeo reports that the cost of living in Spain is around 23.4% cheaper than in the United Kingdom.

See the table below to get an idea of the average cost of living in Spain.

The cost of rent is also reasonable in Spain, coming in 28% lower on average than in the United Kingdom.

Here’s how much you can expect to pay for rent living in Spain:

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Accommodation in Spain

What are the best areas to live in Spain as an expat? 

As we’ve already mentioned, Spain has 17 autonomous regions where expats could choose to settle. Where you choose to live in Spain is a very personal choice, though it can help to move to areas where other expats have already set up a community.

These are the most popular regions for expats moving to Spain:

Alicante

Alicante is a top choice for British expats, with 4,036 UK citizens per 100,000 people – the highest concentration in Spain. Alicante is renowned for its beautiful beaches, pleasant climate, and rich cultural scene. Expats living in Alicante enjoy a mix of modern amenities and traditional Spanish charm. The presence of British pubs, shops, and social clubs makes it easy for newcomers to feel at home, while the province’s diverse community welcomes expats from around the world.

Girona

Located just north of Barcelona, Girona is another popular destination, with over 20% of its population being expats. Known for its mediaeval architecture and stunning natural landscapes, Girona offers a quieter, more relaxed lifestyle while still being close to the bustling city of Barcelona. The top expat communities in Girona include Moroccans, Romanians, and Hondurans. Girona is perfect for expats who want to experience Catalan culture in a more intimate setting, with easy access to both mountains and beaches.

Barcelona

Barcelona is one of Spain’s most iconic cities, famous for its vibrant culture, stunning architecture, and beautiful beaches. It’s a top destination for American expats in Spain, with 142 American citizens per 100,000 people. The city’s international schools, thriving arts scene, and numerous job opportunities make it particularly appealing to families and professionals. Barcelona’s excellent transportation links, including direct flights to major US cities, add to its attractiveness for expats looking for a dynamic and well-connected place to live.

Madrid

As Spain’s capital, Madrid is a bustling metropolis that combines rich history with a modern lifestyle. It has the highest number of US expats in Spain, with 171 per 100,000 people. Expats are drawn to Madrid for its vibrant cultural scene, world-class museums, and lively social life. The city also offers excellent educational options, including American schools, making it a top choice for families. Despite its size, expats in Madrid will find it affordable compared to other European capitals, making it easy to enjoy a high quality of life.

Malaga

Malaga, located on the Costa del Sol, is a favourite among both British and American expats. Known for its sunny climate, beautiful beaches, and relaxed lifestyle, Malaga offers an ideal blend of leisure and culture. The city’s historic centre, vibrant nightlife, and proximity to other Andalusian gems make it a fantastic base for exploring southern Spain. English is widely spoken here, and the expat community in Malaga is well-established.

Almeria

Almeria is the most popular area for expats in Spain, with nearly 22% of its population coming from abroad. British expats make up a significant portion, but the province also hosts large Moroccan and Romanian communities. The province is less touristy than other coastal areas, offering a more authentic Spanish experience with a warm climate. Its natural parks, stunning beaches, and laid-back lifestyle make it a perfect spot for those seeking tranquillity and a slower pace of life.

Got more questions about moving abroad?

Check out our guide for expats looking at moving overseas

Can expats buy property in Spain?

Yes, it is possible to buy property in Spain as an expat. However, it’s important to be aware that – as of 2025 – Spain is planning to implement a 100% tax on all properties bought by non-EU citizens.

If the risk of the 100% property tax does not put you off, however, you’ll find the process of purchasing property in Spain to be simple and straightforward. There are no restrictions on foreign ownership of real estate in Spain, whether you’re an EU citizen or from outside the EU.

How to buy property in Spain

Here are the four key steps to buying a property in Spain:

1. Register for a NIE (Número de Identificación de Extranjero) – To buy property in Spain, expats need to obtain a NIE, which is a tax identification number for foreigners. This number is essential for all major financial transactions in Spain, including buying property. 
2. Open a Spanish bank account – You’ll also need a Spanish bank account to handle payments related to the purchase, such as deposits, taxes, and fees.
3. Pay your deposit – Once you’ve found a property, you typically sign a preliminary contract and pay a deposit (usually 10% of the purchase price). 
4. Sign the deeds – The final step is signing the deed of sale in the presence of a notary, after which the property is officially yours. It’s advisable to hire a lawyer who can guide you through the process and ensure that all legal aspects are properly handled.

Are you a British expat looking at buying property abroad?

Read more on how to buy a house abroad after Brexit as a British citizen

The Plaza del Ayuntamiento in Valencia // GETTY IMAGES

Visas, jobs and working in Spain

How do I find expat jobs in Spain?

Finding a job in Spain as an expat can be both exciting and challenging, depending on your skills, industry, and language proficiency. Major cities like Madrid, Barcelona, and Valencia offer more opportunities, especially in sectors such as tourism, teaching, IT, and international business. English teaching in Spain is a popular option for expats, with numerous language schools and private tutoring opportunities available. 

To find expat jobs in Spain, look to online job portals like InfoJobs, LinkedIn, and Glassdoor. Networking within local expat communities, attending industry events, and connecting with local professionals can also open doors to English-speaking job opportunities in Spain. It’s important to note that speaking Spanish, even at a basic level, can significantly improve your job prospects and integration into the workplace.

How do I get a visa to live in Spain?

Obtaining a visa to live in Spain depends on your nationality and the purpose of your stay. EU/EEA citizens do not need a visa to live and work in Spain, though they must register with local authorities if they plan to stay longer than three months. For non-EU citizens, including post-Brexit UK nationals, a visa is required.

The most common visas for expats are:

• Digital Nomad Visa: Approved in 2022, the Spanish digital nomad visa allows expats to work remotely in Spain for an initial period of one year, and up to five years subject to a yearly review. Read more about the Spanish Digital Nomad Visa here. 

• Work Visa: If you have a job offer from a Spanish employer, you can apply for a work visa. Your employer typically initiates the process by proving that no suitable candidates are available within the EU.

• Non-Lucrative Visa: Ideal for retirees or those with sufficient financial means to support themselves without working in Spain. This visa requires proof of income or savings and is valid for one year, with the option to renew.

• Student Visa: For those planning to study in Spain. This visa allows you to stay for the duration of your course and often includes the possibility of part-time work.

Each visa type has specific requirements and application procedures, which typically involve submitting documents to the Spanish consulate in your home country. Once in Spain, you’ll need to obtain a residence card (TIE) within 30 days of arrival. This card serves as your official identification and proof of legal residency.

Looking to find a job in Spain?

Here’s how to get a job abroad as an expat

Bank accounts and taxes for expats living in Spain

How to open a bank account in Spain

Opening a bank account in Spain is a straightforward process and can be useful in helping you avoid transaction and currency conversion fees from your foreign bank account. 

As an expat living in Spain, it’s essential to choose the right type of Spanish bank account based on your residency status. Non-residents and residents have different account options, with non-resident accounts typically having fewer requirements but sometimes higher fees.

To open a bank account in Spain, you’ll need the following documents:

• Passport or national ID: Proof of identity is required for all applicants
• NIE (Número de Identificación de Extranjero): Your foreigner identification number, necessary for almost all financial transactions in Spain
• Proof of address: A utility bill or rental contract is usually sufficient
• Proof of Employment or Income: Some banks may require documentation proving your financial situation, such as a work contract, pension details, or tax returns

You can open an account in person by visiting a bank branch, where the process usually takes less than an hour. Some banks also offer online account opening for residents, but this may still require a visit to a branch for verification.

Popular banks among expats in Spain include Santander, BBVA, and CaixaBank, which often have English-speaking staff and online banking services in multiple languages.

You want to be sure the city you’re moving to has good medical care

Discover the best and worst cities for healthcare worldwide

How to pay taxes in Spain

As an expat living in Spain, your residency status will usually determine your tax status. These are the two tax brackets for expats in Spain:

• Tax residency: You are considered a tax resident in Spain if you spend more than 183 days in the country within a calendar year or if your primary economic interests are based there. Tax residents must declare and pay taxes on their worldwide income.
• Non-resident taxes: If you are a non-resident but own property or earn income in Spain, you are liable to pay taxes only on Spanish-sourced income. This includes rental income, property taxes, and capital gains from selling property.

If you’re employed in Spain, your employer will deduct income tax and social security contributions from your salary. However, if you’re self-employed or have additional income, such as rental income or investments, you’ll need to file an annual tax return.

The Spanish tax year runs from January to December, and the tax return must be filed by June 30th of the following year. Income tax rates in Spain are progressive, ranging from 19% to 47%, depending on your income level.

This is the income tax rate scale in Spain, as of 2024:

Living and working outside of your home country?

Read our guide to paying taxes as an expat abroad

View of the city from Park Guell in Barcelona // GETTY IMAGES

Healthcare and insurance in Spain

Spain has an excellent standard of healthcare and overall well-being, earning the top spot in our list of healthiest countries in the world for 2024. This is testament to Spain’s outstanding healthcare system, the active lifestyle of its people and the Mediterranean diet.  

Spain has a universal public healthcare system known as Sistema Nacional de Salud (SNS), which provides comprehensive medical services to Spanish residents. Funded through taxes, the SNS offers free or low-cost access to general practitioners, specialists, hospitals, and emergency care, ensuring that essential healthcare is available to everyone.

In addition to the public system, Spain has a robust private healthcare sector. Private healthcare in Spain is known for its shorter waiting times, access to a broader range of specialists, and a more personalised approach to care. Many private facilities boast state-of-the-art equipment and offer services in multiple languages, including English, making them particularly attractive to expats.

The benefits of international health insurance for Spanish expats

While Spain’s public healthcare system is excellent, many expats choose to supplement it with international health insurance. There are several reasons for this:

• Access to private healthcare: International health insurance provides access to Spain’s extensive private healthcare network, which often offers shorter waiting times and a wider choice of doctors and specialists. Private facilities are also known for their comfort and personalised care.
• Cover beyond Spain: International health insurance ensures you’re covered not just in Spain, but also when you travel back to your home country or visit other countries in your coverage zone. International cover is particularly digital nomads or expats who split their time between multiple countries.
• Language Support: While many Spanish doctors speak English, having international insurance can provide access to English-speaking medical staff and customer service, making it easier to navigate healthcare in a foreign country.
• Medical Evacuation: One of the key benefits of international health insurance is coverage for medical evacuations. In the event of a serious illness or injury where adequate treatment isn’t available locally, your insurance can cover the cost of transporting you to the nearest suitable medical facility or even back to your home country if necessary. This feature can give added peace of mind to expats living in Spain, especially if you live in a more remote area.

Which countries have the best healthcare in the world?

We’ve ranked the world’s best healthcare systems

Education in Spain

Lower education

In Spain, the lower education system is divided into three different stages: primary education (Educación Primaria) which is compulsory for children aged 6 to 12 years old; secondary education (Educación Secundaria Obligatoria), compulsory for children aged 12 to 16 years old; and post-compulsory education which is optional for children older than 16 years and takes the form of either a two-year academic program, or alternative vocational training. 

Expats in Spain have the option to send their children to public, private or international schools, depending on budget and preference.

Public schools (Escuelas Públicas)

Spain’s public education system is well-regarded and free for all residents, including expats. Public schools follow the Spanish national curriculum, and teaching is primarily in Spanish. In regions with strong regional languages, such as Catalonia or the Basque Country, classes may also be conducted in the local language. 

While public schools provide an excellent education, English-speaking children might initially struggle with the language barrier, especially if they join the system later in their academic journey. However, younger children tend to adapt quickly, and many schools offer language support for non-Spanish speakers.

Private schools (Colegios Privados)

Private schools in Spain offer a variety of curricula, including the Spanish national curriculum, international curricula (such as the International Baccalaureate), and bilingual programs. These schools typically provide more personalised attention, smaller class sizes, and a wider range of extracurricular activities. Many private schools are bilingual, offering instruction in both Spanish and English, which can ease the transition for English-speaking children.

International Schools

International schools are a popular choice among expat families, as they offer curricula based on other countries’ education systems, such as the British, American, or French systems. Instruction is usually in English, and these schools often provide a multicultural environment with students from various backgrounds. International schools are ideal for expat families who plan to move frequently or who want their children to continue their education in a familiar system.

Higher education in Spain

Spain is home to several prestigious universities that are well-regarded both nationally and internationally. Lots of them also have courses taught partially in English.

The best universities in Spain according to the Studyportals 2024 rankings are: University of Barcelona, Autonomous University of Barcelona, Pompeu Fabra University, Autonomous University of Madrid, Complutense University of Madrid, University of Granada, University of Navarra and University of Valencia.

Want to give your kids a first-rate education abroad?

We rank the best countries in the world for education

Ready to begin a new life in Spain?

Moving to another country can be challenging, but you can ensure peace of mind by making sure you have the right international health insurance.

For over 30 years, we have helped expats like you move and settle into their new lives overseas, with the peace of mind of knowing their families are covered by a comprehensive and flexible health insurance policy.

Speak to us today to find out more about how international health insurance could benefit you and your family – and good luck on your Spanish adventure!

The post Living in Spain: A Guide To Moving To Spain As An Expat appeared first on William Russell.

In this guide, we’ll take you through everything you need to know about moving to the Philippines as an expat, from finding a job and a home, to accessing high-quality healthcare.

Bamboo pedestrian bridge in Bohol, Philippines // GETTY IMAGES

Life in the Philippines: What to expect from living in the Philippines as an expat

If you’re thinking of moving to the Philippines, consider yourself a trailblazer. With just 78,000 foreign citizens registered on the island (out of a population of 108 million), it’s fair to say the Philippines is still an undiscovered gem in the expat world.

Make no mistake, the Philippines is not for the faint-hearted: its fast-paced way of life and occasional lack of modern infrastructure may not appeal to those who prefer luxury and comfort – many an expat has experienced culture shock after moving to the Philippines.

But the pay-off is unlimited access to incredible beaches, bustling cities and verdant countryside.

What should I expect from life in the Philippines?

The Philippines is a storied country made up of thousands of islands, each with their own cultural idiosyncrasies. It’s hard to summarise Filipino culture in a few words: it is at the same time metropolitan and agrarian, modern and traditional, laid-back and high-speed. One thing’s for sure: any expat living in the Philippines could spend a lifetime trying to put their finger on the pulse of this incredible nation.

Being an island country, the Philippines boasts 22,000 miles of coastline, offering no shortage of picturesque beaches, while inland the geography switches between huge mountains and wide open plains, with dozens of gigantic cities. Filipino culture is largely city-oriented, with around 48% of people living in major cities, which is why expats often find themselves flocking towards these metropolitan centres:

Home to over 115 million people, the Philippines is the 13th largest country on Earth by population. Originally settled by the Negritos people, the islands have since seen waves of Austronesian, Chinese, Spanish, Latino, American and Japanese settlers, each of whom has left behind a significant cultural heritage.

This is best represented in the diverse range of languages: while Filipino is the official language, alongside English (which is spoken by 55% of the population), there are almost 200 different languages and dialects spoken throughout the islands, including Arabic, Spanish, Malay, Mandarin, Cantonese, Japanese, Korean and Tagalog.

The Philippines is a predominantly Christian country, although sizable minority populations of Buddhists, Muslims, Hindus and Sikhs can be found. The most popular Christian denomination is Catholicism, practised by 78% of the population, along with local sects such as Iglesia ni Cristo (4%) and the Philippine Independent Church (1%).

Looking for health insurance in the Philippines?

Find out more about our expat health insurance plans

Is the Philippines a good place to live?

In recent years, the Philippines has emerged as one of the best places to live as an expat. This is thanks to its rich culture, incredible natural beauty, low cost of living and friendly people.

Having said that, life in the Philippines is not without its difficulties. Many expats report feeling culture shock after moving to the Philippines, and common problems include poor-quality roads and infrastructure, pollution, stray animals, and corruption.

To fall back on an old cliché, life in the Philippines is what you make it. With over 2,100 sunshine hours per year, an average temperature of 27°C/80°F and a cost of living that’s barely a fraction of that in the USA (about 83% cheaper), the Philippines offers the perfect environment to build your ideal expat life.

Bonus point: the local diet is heaven for meat-lovers, with plenty of fresh fish, fruit and rice featuring.

Is the Philippines a good place to live?

The Philippines is a developing and newly industrialised country that ranks low (113th) on the Human Development Index. Still, it has a robust economy that ranks 39th in the world. Its biggest industry as of 2023 is vehicle manufacturing, accounting for over 18% of GDP, with other forms of manufacturing adding a further 17%. Financial services, fishing, agriculture and construction are other key sectors in the Philippine economy.

As an expat, it is important to bear in mind that salaries tend to be very low in the Philippines. The average monthly salary is around PHP 44,800, which is US$761. However, these can range to as high as PHP 199,000/US$3,383 per month in certain sectors, such as finance, technology and professional services. Expats looking for work locally should consider Makati (dubbed the financial capital of the Philippines), Davao, Kalookan and Cebu City, where salaries tend to be higher on average.

If you intend to work for a foreign company while living in the Philippines, you should check to see if your country has a double taxation treaty, as this means you may not have to pay income tax in the Philippines. While the Philippines does not yet offer a digital nomad visa, it is likely that the country will introduce one.

Which are the best countries in the world to work?

See our list of the top workation destinations

Is the Philippines a good place to retire?

Thanks to its low cost of living, the Philippines has started to attract a new generation of retirees looking to make their savings go further. Since 1985, the Philippine Retirement Authority (PRA) has worked to promote the Philippines as a retirement hotspot, and has introduced a number of incentives including:

• The Special Resident Retiree’s Visa (SRRV), which allows unlimited entry and exit from the country and indefinite right to remain
• A waiver on import duties up to US$7,000
• An exemption on taxation for foreign government pension pots
• The right for retirees to buy a condo or townhouse, and to open a business

In 2023, the PRA said that around 75,000 retirees from 150 countries had already signed up to the SRRV programme.

How is the political situation in the Philippines?

The Philippines is a relatively stable country based on a democratic system modelled after the US. The Philippines has an economic freedom score of 59, slightly higher than the world average of 58.6, but still placing the Philippines in the “mostly unfree” category.

One of the factors to the Philippines’ detriment is government corruption. Successive governments, first under Rodrigo Duterte and presently under President Bongbong Marcos have attempted to stamp out government corruption with limited success. 86% of people in the Philippines perceive their government as corrupt, giving the country a low transparency score of just 34%. 

The hard-line policies previously pursued by Duterte, which included a series of ‘wars’ waged on drug smugglers, communists and radical Islamists, and strict COVID-19 policies – which collectively caused thousands of deaths – have given way to more lenient policies under current Bongbong Marcos. Still, the so-called ‘war on drugs’ continues, and the Philippines is under investigation by the International Criminal Court (ICC) for suspected human rights violations.

Having said that, political problems in the Philippines tend to be localised within certain cities and directed mainly towards people with criminal intent. Law-abiding citizens should have very little to worry about, and will find the Philippines to be a generally safe country.

Have you looked into life insurance as an expat?

Here’s how to get life insurance in the Philippines

Traffic in Manila, Philippines // GETTY IMAGES

Language in the Philippines: Do I need to learn Filipino?

The Philippines has two official languages: Filipino and English. 55% of the population speaks English fluently (English is also the official language of business and politics), and most expats will testify that foreigners can survive very easily speaking just English. Filipino is a standardised version of the language Tagalog, which is spoken by around 40% of the population. 

The Philippines is an extraordinarily diverse country, and so depending where you live you may find the locals speaking a regional dialect or foreign language. Over 180 languages are regularly spoken throughout the Philippines, the most common of which include Tagalog, Cebuano, Ilocano and Hiligaynon. 

These are the most common languages spoken in the Philippines:

If you are thinking about learning another language, you will find many foreign languages spoken across the Philippines. Spanish is spoken by around 0.5% of the population and there are over 2,000 Japanese, Indonesian and Hindi speakers.

Thinking about learning another language?

Discover the best languages to learn as an expat

How do I open a bank account in the Philippines?

As an expat living in the Philippines, having a local bank account can help you in many ways. It will make it easier for you to send, receive, withdraw and spend money, and may be essential in helping you to secure long-term accommodation, either by renting or buying property.

You may also need a local bank account if you are thinking of starting a business or working for a Filipino company. You may not be allowed to enter the country if you are carrying more than PHP 50,000, or the foreign currency equivalent of US$10,000 in cash, and you may have to fill in a customs declaration if you intend to do so.

Opening a bank account in the Philippines is simple and straightforward. Many international banks (including Citibank, Bank of America and HSBC) have branches in the Philippines, and you will also find a number of local banks (such as the Philippine National Bank, Metrobank and the Bank of the Philippine Islands) that specialise in providing financial services to expats.

Once you have done this, you can open your account simply by visiting a bank branch in person or starting an application online. 

Different banks may have different guidelines for expats when it comes to opening a bank an account, however you will generally be expected to provide the following documents:

• Your passport
• A copy of your visa, residency permit (SIRV or SRRV), work permit or student permit
• Proof of address, such as a tenancy agreement or utility bill
• The minimum deposit (usually around PHP 100/US$2)

You may also need to provide evidence of your existing banking history, such as previous bank statements, and/or a reference from a bank in your home country.

Healthcare in the Philippines

As a developing nation, the healthcare system in the Philippines is below the standard that expats from the Western world may be accustomed to.

According to the 2024 Legatum Prosperity Index, the Philippines ranks just 96th in the world for healthcare, out of 167 countries. The Philippines also ranks low for many major healthcare indices, not least average life expectancy, where it comes 124th in the world with just 72.3 years.

Healthcare in the Philippines is beset by a significant urban-rural divide. While the quality of hospitals and clinics in major cities is generally very good, the opposite is true in rural areas, where access to high-quality facilities, staff and medical technology can be extremely low. Four of the top 100 hospitals in South East Asia can be found in the Philippines, namely Philippine Heart Centre, St Luke’s Medical Center, Makati Medical Center and Asian Hospital & Medical Centre, all of which are found in the Manila metropolitan area.

As such, many expats choose to travel to major cities (especially Manila) for medical treatment, as this promises higher patient outcomes, a more comfortable stay and better access to medical facilities. It is also more likely that medical professionals will speak English, making it easier for patients to communicate their needs.

Have you looked into health insurance?

Read our full guide to taking out health insurance in the Philippines

Can expats access public healthcare in the Philippines?

Yes – in fact, if you are a legal resident of the Philippines and intend to live in the country for longer than six months, you are required by law to sign up for public health insurance with the Philippine Health Insurance Corporation (PhilHealth). You can do this in person or online.

If you are an employee of a Philippine company, your employer will make public health insurance contributions on your behalf. For all other expats, you will need to pay your public health insurance costs out of your own pocket. The cost of public health insurance per person in the Philippines is around PHP 2,400–3,600/US$40–62 per year.

Once you are a resident of the Philippines and contributing to PhilHealth, you will be entitled to access healthcare services at any public hospital or clinic. However, you should still expect to pay for many expenses out of your own pocket. You should also expect to experience long waiting lists, overcrowding and poor data processing services while at any Philippine medical centre.

Do I need health insurance to live in the Philippines?

While it is not a legal requirement to purchase health insurance before arriving in the Philippines, or while living there as an expat (except in the case of PhilHealth, which you will need to pay if you intend to become a permanent resident), you may wish to consider taking out a health insurance policy.

Health insurance in the Philippines will entitle you to a higher quality of medical care at private hospitals and clinics throughout the country. This means you won’t need to depend on the public healthcare sector, where hospitals often see long waiting lists, have poor medical equipment and may be staffed with professionals who don’t speak English.

Private health insurance is especially important if you intend to live in a remote or rural area, particularly islands that do not have their own hospitals. This is because you will often need to depend on helicopter or boat transport to make it to your nearest hospital, which can be very expensive – especially in an emergency. You may therefore wish to choose a health insurance policy that includes medical evacuations.

With private medical insurance, the cost of your medical bills to you will be mitigated. This is beneficial since the daily cost of a stay in an intensive care unit in the Philippines can be as high as US$1,200 per night.

How do I find accommodation in the Philippines?

The Philippines is a diverse country, and this is true of the property market too. In major cities such as Quezon, Manila and Davao, you’ll find a mix of everything from Spanish colonial townhouses to pokey apartments, brand new mixed development condominiums and high-rise blocks of flats. In the rural heartlands, meanwhile, are American-style suburban family homes, luxurious villas and renovated farmhouses. 

Expats tend to flock to the big cities, with Davao and Manila the favourites. Accommodation is relatively easy to find in these cities, with a wide range of housing options available at prices to suit every budget. Websites like Dot Property and Lamudi provide comprehensive listings from various estate agents across the Philippines, while if you are looking for short-term lets, many private owners turn to Airbnb to list their properties.

If you would prefer to live nearer the coast, you will find no shortage of quaint and picturesque seaside towns across the Philippines. Expat favourites include Cebu, Palaran, Dumaguete, Luzon and Batangas.

Can expats buy property in the Philippines?

The answer is yes, but with many caveats:

• Foreign citizens are forbidden from buying land in the Philippines, but can purchase the property on that land minus the freehold
• According to the Philippine Condominium Act, foreigners can buy an apartment so long as at least 60% of the building is owned by Filipinos
• Foreigners can also buy a property through a corporation or limited company, so long as they invest at least US$200,000 in the company, or if at least 60% of the company is Filipino-owned

In other words, as an expat you may not be able to purchase the property you have your heart set on, and you may be restricted to owning only leasehold property. 

The most popular way for expats to purchase property in the Philippines is through a private company – this incurs additional fees, such as the cost of establishing the company, and you will need a business bank account before registering the company. You may wish to seek legal advice before pursuing this route.

Alternatively, you may be able to purchase a building without purchasing the land it sits on. You may therefore have to pay rent to the freeholder of the land.

If your spouse is a Philippine citizen, you can get around these rules by purchasing the whole property in their name.

Purchasing your own home is one of the greatest joys in life as an expat

Discover the best and easiest countries to buy property abroad

The business district of Metro Manila // GETTY IMAGES

Finding a job in the Philippines

The Philippine economy is transitioning from a predominantly material and agriculture-based primary economy, to a tertiary economy based on manufacturing, trade and business services. As the 32nd largest economy in the world by nominal GDP, and the 13th largest in Asia, the Philippines offers a wide range of opportunities to professional workers, and corporations are always on the lookout for foreign talent. The country’s primary exports include semiconductors, automobiles and chemical products.

Still, you may not find it as easy as you hoped to secure a job in the Philippines, as the country’s economic transition hits many roadblocks. As many as 69% of residents say they have trouble finding a job, despite an employment rate of just 2.4%.

As such, many expats prefer to enter the Philippines as digital nomads, either by working remotely for a foreign company or as freelancers (having said that, the Philippines does not yet offer a formal digital nomad visa).

What is the average expat salary in the Philippines?

Highly-skilled workers can make good money in the Philippines, whether by working for a Philippine company or as digital nomads. While the average salary for a worker in the Philippines is just PHP 44,800/US$761, those working in the professional services sector can command salaries several times higher than this.

According to Wise.com, the average annual earnings for expat workers in Manila are around:

Many expats choose to live in the Philippines as digital nomads. This allows them to continue working for overseas companies and clients, allowing them to earn significantly higher salaries than those offered by local companies.

How much tax will I pay in the Philippines?

As an expat, you will be taxed on income you derive from the Philippines. This means:

• Income generated by working for a Philippine company, or
• Income generated from trade with Philippine businesses

Therefore, you will only pay income tax if you work for a Philippine company, or your own business does trade with Philippine customers and clients. The tax you pay will depend on your income and can be quite steep, especially for high earners. The tax rates are worked out like so:

If you work for a foreign company, and so long as the country your employer is based in has a double taxation treaty with the Philippines, you will not need to pay income tax in the Philippines. You will still need to pay other sources of tax, such as VAT on purchases (12%) and customs and excise taxes (5–20%).

Living and working outside of your home country?

Read our guide to paying taxes as an expat abroad

Do I need a visa to work in the Philippines?

Yes. A regular tourist visa will only allow you to stay for up to 30 days in the Philippines, and overstaying the length of your visa can land you with serious penalties. Some passport holders, including those from the USA, are allowed to enter the Philippines visa-free, but even then the maximum length of stay is usually 3–6 months.

If you intend to live and work in the Philippines long-term, you must apply for a visa before you arrive. This can be either a work visa or retirement visa.

The type of working visa you apply for depends on your work arrangements. You have three options:

• The Alien Employment Permit (AEP) is offered to workers who already have a permanent contract agreed with a Philippine company
• The Special Work Permit (SWP) is for foreign workers who will complete a short work assignment while in the Philippines, and allows you to stay for up to six months
• The Provisional Work Permit (PWP) is for expats who intend to find work after arriving in the Philippines. It is valid for three months and, if you fail to find a permanent job while staying on a PWP, you will need to leave the Philippines

To acquire a Philippines work visa, you will need to visit the Immigration Bureau in the Philippines as soon as you arrive in the country. You will need to bring:

• Your passport
• A letter of request, signed by your employer (if you have one)
• A copy of your employment contract showing your salary, job title and the duration of your contract (if you have one)
• A photocopy of your employer’s Income Tax Return
• A copy of your work permit (if you have one)
• A document showing the number of foreign and Filipino employees already working at your company
• Proof of your criminal record
• Health certificate provided by an authorised medical practitioner with copies of X-rays

If you are intending to live in the Philippines as a student, you will need a Philippines Student Visa (PSV). For this, you will need to show proof that you have been accepted into a Filipino school. Your school will then need to apply to the Filipino High Commission on Higher Education (CHED) to approve your application.

Once your application is accepted, you can enter the Philippines on a tourist visa and convert to a Student Visa at the Bureau of Immigration.

You will need to bring:

• Your passport
• A certificate of acceptance from your school
• A certificate of good moral character from your school
• Proof of your criminal record
• Health certificate provided by an authorised medical practitioner with copies of X-rays
• A personal history statement detailing your personal and family background, physical appearance and educational background, including academic transcripts
• A list of contacts you have in the Philippines
• Your birth certificate

If you are a man who has been married to a Filipino woman for at least five years, you may also be able to live in the Philippines through the Philippine Spouse Visa.

Thinking about studying abroad?

We look at the best countries for university education

Got more questions about moving abroad?

Check out our guide for expats looking at moving overseas

International health insurance for expats in the Philippines

There’s a lot to think about when moving to another country, but one way to make it easier is by taking out international health insurance before you go.

At William Russell, we’ve specialised in helping expats like you settle into their new lives abroad for over 30 years. Our flexible international health insurance policy gives you access to the highest-quality treatment and includes medical evacuation insurance as standard.

Get a quick quote online today and start your new life in the Phillipines with complete confidence.

The post Moving To The Philippines: A Guide To Living In The Philippines As An Expat appeared first on William Russell.

From health insurance to visas, there are many things to consider when moving to a new country. Despite these challenges, being an expat can offer many advantages in terms of professional and personal development.

We take a closer look at growing expat populations around the world.

Expat populations around the world

To understand the current state of expats around the world, we have analysed data from the last thirty years, looking at everything from the age and gender of international migrants to the popularity of Google searches in OECD and European countries.

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We list all the places around the world that require travellers and expats to show proof of health insurance when visiting or moving there

Countries with the biggest change in expats since 1990

There are many reasons why someone may move to another country, but which locations are currently the most desirable for international expats? Here’s what we found.

1/ South Korea

3,896% increase

South Korea takes the top spot on our list, with the biggest increase in expat residents since 1990. This East Asian country may not have the most international migrants in the world, but when comparing its most recent figures to those of 1990, South Korea has seen a bigger change than any other, increasing by more than 3,800% in the last thirty years.

2/ Colombia

1,727% increase

From around 104,000 international migrants in 1990 to a whopping 1.9 million as per the most recent figures, Colombia has experienced the second-biggest spike in expats of all the countries on our list. Considering this country offers affordable housing and the opportunity to obtain citizenship within as little as five years, it is no wonder that expats are flocking here!

3/ Chile

1,430% increase

With a 1,430.23% increase in international migrants, Chile completes our top three. As the second South American country to feature in this ranking, it appears that this area of the world has become a haven for people looking for a new adventure. The combination of a low cost of living and high quality of life has made Chile a popular destination for retirees.

Top 10 countries with the biggest change in expats

It’s important to think about the quality of healthcare where you are

Which countries have the best healthcare in the world?

Countries with the highest proportion of male expats

Recent figures indicate that there are more than 145 million male international migrants worldwide. Considering each country’s population, we have found which locations currently have the highest proportion of male expats.

1/ Australia

149,498 male expats per 1,000,000 residents

Australia may be isolated regarding its location, but this hasn’t deterred expats. According to the most recent figures, more than 3.8 million of the residents in Australia are male international migrants, and when the population is considered, this equates to 149,498 per one million people. 

2/ Switzerland

141,213 male expats per 1,000,000 residents

Despite the high cost of living, many male expats are choosing Switzerland as their place of residence. Compared to this country’s population, Switzerland has the second highest proportion of male expats of all the locations on our list, totalling 141,213 per million residents.

3/ New Zealand

138,566 male expats per 1,000,000 residents

New Zealand completes our list of the top three countries with the highest proportion of male expats. The relaxed nature of this Oceanic country makes it desirable for anyone looking for a peaceful change of scenery, particularly retirees. Bearing this in mind, it is unsurprising that 138,566 of every million residents in this country are male expats.

Top 10 countries with the highest proportion of male expats

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Countries with the highest proportion of female expats

We have revealed which countries have the highest number of male expats, but how do the female expat population hotspots compare? Here’s what we found.

1/ Australia

151,909 female expats per 1,000,000 residents

Australia appeared at the top of the male expat ranking earlier in this report, and this country is just as popular among females. Australia is known for its progressiveness in gender equality, providing equal opportunities for men and women across the workplace. Bearing this in mind, it’s no wonder that many female expats reside here, with 151,909 international migrants per million people.

2/ New Zealand

147,980 female expats per 1,000,000 residents

When the country’s population is considered, New Zealand has the second-highest proportion of female international migrants, totalling 147,980 per million residents. Aside from being one of the safest countries in the world, New Zealand has an excellent reputation for work-life balance, which is a perfect incentive for someone looking to relocate.

3/ Switzerland

146,626 female expats per 1,000,000 residents

Switzerland is an excellent option for any woman looking to progress in a career in the finance industry, as this country is home to a global financial hub with plenty of high-salaried opportunities. Suppose this wasn’t enough of an incentive, Switzerland offers many additional benefits for its employees, including maternity leave and childcare support, which all likely contribute to the fact that there are more than 146,000 female migrants per million residents.

Top 10 countries with the highest proportion of female expats

Cultural attitudes to women vary across the globe

We look at the most female-friendly countries in the world

The most common age of expats

Whether you are a family looking for better opportunities or a retired couple searching for a new adventure, there are many reasons why people of all ages want to migrate to a new country. The following table reveals the most common ages of international migrants.

Most common ages of expats

1/ Age 35-39

15,485,762 expats

People in their thirties are often at the peak of their professional careers, and relocating to another country can provide expats with better opportunities and a more attractive salary. With every country offering something different for its residents, finding the perfect place for you is essential, particularly with all the economic uncertainty in today’s society.

2/ Age 30-34

14,978,952 expats

As the second group of thirty-somethings to appear in this top three ranking, it seems that this decade is prime time for expats worldwide, with almost 15 million international migrants between the ages of 30 and 34. Aside from job prospects, this age group is more likely than most to have a young family, and this is a big consideration when it comes to emigrating.

3/ Age 40-44

14,889,039 expats

Completing our top three list of the most common age groups among expats, with more than 14.8 million, are 40 to 44 years old. People in this age group generally have decades of experience under their belt, which is desirable for employers across the globe. As a result, many people in this age group are scouted by companies under the skilled migration policy, where visas and sponsorships are submitted to make the migration process easy for future residents.

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Countries with the highest proportion of emigrated residents

For every million people worldwide, almost 36,000 have emigrated to a different country at one point or another. The following rank reveals which countries have seen the most emigrated residents recently.

1/ Bosnia and Herzegovina

514,367 emigrants per 1,000,000 people

Of the factors relating to the high levels of emigration in Bosnia and Herzegovina, one of the most contributory is this country’s unemployment, which has one of the highest rates in Europe. This, paired with the current economic climate, makes it unsurprising that more than 1.6 million of this country’s residents have left in recent years.

2/ Albania

434,486 emigrants per 1,000,000 people

With 434,486 per million people, Albania has the second-highest proportion of emigrants of all the countries on our list. Residents who emigrate from Albania could be young people looking for a higher-quality education or a more stable living environment. As well as this, other European countries have more desirable employment opportunities and wage offerings than Albania.

3/ North Macedonia

333,123 emigrants per 1,000,000 people

From name disputes to corruption, North Macedonia has faced some political uncertainty over the years, and this instability may have influenced its residents’ decision to move to a different country. Whatever the reason, recent data reveals that this country has seen 333,123 emigrants per million people, the third-highest of every country on our list.

Countries with the most ‘moving to’ Google searches in the last year

For many people, the internet is our go-to resource for finding information, and international travel is no exception. Using Google search data, we have revealed which countries are being researched the most regarding moving.

1/ Australia

132,500 Google searches

After appearing in more than one of our rankings already, it may come as no surprise that many people are researching about relocating to Australia. With 132,500 Google searches for the term ‘moving to Australia,’ this country takes the top spot on this list. If you are considering a move down under, Sydney, Melbourne, and Brisbane are among the most popular destinations for expats.

2/ Canada

127,800 Google searches

From one side of the globe to the other, Canada appears next on our ranking with 127,800 Google searches. Canada has excellent education services and diverse landscapes, so whether you are looking for better opportunities for yourself and your family or a tranquil retirement destination, this country is a great fit.

3/ New Zealand

83,700 Google searches

If you are one of the 83,700 researching ‘moving to New Zealand,’ then you are in luck as this country offers a range of visa options to support potential expats. Some of the most common include the Essential Skills Work Visa and Resident Visa, which both provide pathways to permanent residency should you wish to stay in this country for the long run.

Top 10 countries with the most ‘moving to’ Google searches in the last year

Are you thinking about moving and living abroad?

Read our full guide on moving abroad for expats

Wherever you go, go with total peace of mind

At William Russell, we have over 30 years’ experience of helping expatriates finding best places in the world to move abroad and settle into their new lives overseas by providing world-class international health insurance. Plus, we produce lots of expert material to help you and your family adapt to life abroad.

Making the move to another country can be challenging. But no matter where you go, you can take one thing off your mind. William Russell offers international health insurance that covers you for everything from minor injuries to long hospital stays, and we can even offer medical evacuations to patients who require treatment in other countries where it’s not available locally.

The post Growing Expat Populations Around The World appeared first on William Russell.

However, like any international relocation, expats in Sri Lanka should take the time to prepare for their change in lifestyle. Navigating cultural intricacies, acclimatising to the tropical climate, and adjusting to a different pace of life may pose initial obstacles and perhaps even a touch of culture shock. 

To help you make the most of your big move, we’ve written down everything you need to know about moving to Sri Lanka in this handy expat guide – including where to live, information on the cost of living and how to choose the right international health insurance policy.

Seema Malaka Temple in Colombo, Sri Lanka // GETTY IMAGES

Life in Sri Lanka: What to expect from living in Sri Lanka as an expat

What is life in Sri Lanka like?

Sri Lanka offers a unique expat experience in a developing yet thriving environment. Over the last two decades, Sri Lanka has shown huge economic progress, transitioning from a low-income status to low-middle income with its GDP now sitting around US$88.93 billion, growing at an annual rate of around 3.3%. Sri Lanka’s towns and cities, particularly its capital Colombo, are now evolving into bustling hubs of industry, commerce and culture, attracting an increasing number of tourists and expats alike.

When it comes to religion, Sri Lanka is a largely Buddhist country, with Buddhists accounting for 70.2% of the population. There are also Hindu (12.6%), Muslim (9.7%), and Christian communities (7.4%). Thanks to this diversity, you’ll find various festivals celebrated publicly in Sri Lanka, including Vesak (Buddhist), Thai Pongal (Hindu), Eid al-Fitr (Muslim), and Christmas (Christian), adding vibrant colours and traditions to the expat experience.

Sri Lanka’s tropical climate is another plus, promising temperatures ranging from 23°C to 35°C year-round. The island has two monsoon seasons – the Southwest Monsoon (May to September) and the Northeast Monsoon (November to March).

Overall, expats moving to Sri Lanka can expect to enjoy a laid-back lifestyle with ample access to fresh food and meat. The social scene is vibrant, with thriving nightlife in larger centres, offering a mix of cultural experiences at a low cost of living compared to Western standards. While public transport might be somewhat limited, especially outside major cities, the allure of the landscape and the friendly atmosphere contribute to a unique and fulfilling expat life.

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Find out more about our expat health insurance plans

Is Sri Lanka safe for expats?

Yes, Sri Lanka is generally considered a safe destination for expats. While the country has experienced periods of political and civil unrest in the past, notably during the civil conflict that ended in 2009, the overall security situation has significantly improved.

How is the political situation in Sri Lanka?

Sri Lanka’s political landscape is marked by notable challenges. The nation has experienced a number of shifts in leadership over the last decade, while also grappling with economic difficulties, including high levels of debt.

The handling of the COVID-19 pandemic has added an additional layer of complexity, impacting both public health and the economy. Public protests and demonstrations have reflected public concern about governance, economic issues, and social justice. However, on the whole, the political situation in Sri Lanka seems to be settling down.

Sri Lanka has a democratic political system, where the prime minister is publicly elected by popular vote every five years. Prime Minister Dinesh Gunawardena is currently in office, having been elected in 2022.

Why not move to Sri Lanka as a digital nomad?

Learn more about Sri Lanka’s digital nomad scheme here

Language in Sri Lanka

Sri Lanka is home to several ethnic communities, each with its own languages and dialects. Sinhala and Tamil are the official languages of Sri Lanka, with Sinhala spoken by 87% of the population and Tamil spoken by 28.5%. Both languages have their own scripts, adding to the unique linguistic landscape of the country.

English is also widely spoken, especially in urban areas, and for administrative, educational, and business purposes. Many Sri Lankans are proficient in English, making it easier for expats to navigate daily life, conduct business, and interact with the local community.

For expats moving to Sri Lanka, a basic understanding of Sinhala or Tamil can enhance the overall experience and make communicating with locals easier.

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Cost of living in Sri Lanka

The low cost of living in Sri Lanka makes it easy for expats and digital nomads to enjoy a high quality of life. As of 2024, the cost of living in Sri Lanka is around 49.3% lower than in the United Kingdom, with monthly costs for a single person coming in at around US$466.98 before rent.

This being said, when budgeting, expats moving to Sri Lanka should also think about any additional costs they may need to factor in, such as fees for independent schools, healthcare costs and international health insurance.

To get a better idea of day-to-day costs, here’s a look at the cost of basic groceries in Sri Lanka:

*As of January 2024, Numbeo

Household bills are fairly reasonable across Sri Lanka. These are the average costs of bills in the Sri Lankan capital, Colombo (not including rent):

*As of January 2024, Numbeo

The cost of eating out is also very inexpensive, making it easy for expats to enjoy all of Sri Lanka’s culinary delights. Here are some average costs for eating out in the capital city:

*As of January 2024, Numbeo

Worried about moving abroad and the cost of living crisis?

Our cost of living guides explore the affects across the globe

How do I open a bank account in Sri Lanka?

Opening a bank account in Sri Lanka should be a simple process so long as you have all the necessary documents to hand.

Some of the prominent banks in Sri Lanka include Bank of Ceylon, Commercial Bank of Ceylon, Hatton National Bank, and Sampath Bank. 

To open a bank account in Sri Lanka, you will need to provide the following documents:

• Passport: Ensure your passport is valid for at least six months on the date you apply.
• Visa or Work Permit: A copy of a valid visa or work permit, allowing you to reside and work in Sri Lanka.
• Proof of Residence: This can include a utility bill or rental agreement confirming your local address.
• Proof of Identity: A secondary proof of identification, such as a driver’s licence or national ID card.
• Proof of Income: You may also need to provide a letter from your employer or a copy of your work contract, confirming your employment status and income.
• Bank Deposit: Most banks in Sri Lanka require a minimum deposit of LKR 157,725/US$500 for savings accounts and LKR 316,075 /US$1,000 for fixed deposit accounts, though this amount can vary depending on the bank and specific account type.

Got more questions about moving abroad?

Check out our guide for expats looking at moving overseas

A tropical beach in Tangalle, Sri Lanka // GETTY IMAGES

Healthcare in Sri Lanka

Expats living in Sri Lanka can benefit from a government and tax funded public healthcare system, giving them access to government hospitals and clinics. However, the quality of care in public healthcare facilities can vary, with long wait times and limits on the quality and access to some medicines and treatment options. 

Private healthcare is a popular alternative for expats in Sri Lanka offering higher standards of service, modern facilities, and shorter waiting times. Major cities, such as Colombo, Kandy, and Galle, have private hospitals and clinics that offer a wide range of medical services.

English is widely spoken among medical professionals in Sri Lanka, making communication with healthcare providers more accessible for expats, saving stress and confusion in times of need.

Do I need international health insurance in Sri Lanka?

It’s a good idea for expats in Sri Lanka to invest in international health insurance. This cover can help offset the costs of private medical treatment and ensure access to quality healthcare in all situations. Expats should also look for health insurance that covers the cost of medical evacuation if necessary, particularly if living in remote areas.

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Where to live in Sri Lanka as an expat

Expats moving to Sri Lanka are spoilt for choice when it comes to choosing a place to settle. From the bustling capital, Colombo, to Sri Lanka’s surfing hotspots along the east coast. Here are the best places to live in Sri Lanka as an expat.

Colombo

Sri Lanka’s capital city, Colombo is an obvious choice for expats. Expats in Colombo can expect a dynamic urban lifestyle with modern amenities and ample job opportunities, particularly if they are seeking employment as skilled workers.

With a mix of high-rises and colonial architecture, Colombo offers diverse neighbourhoods that cater to different lifestyles. For families, there are plenty of good international schools in Colombo, while students in the city can enjoy vast shopping malls and a thriving nightlife. 

The average rent for a one bedroom apartment in Colombo city centre is US$306.88 per month. 

Galle

Known for its well-preserved Dutch colonial architecture, charming cobblestone streets, and the iconic Galle Fort, this UNESCO World Heritage city offers a tranquil yet culturally rich lifestyle.

Expats in Galle can enjoy the coastal breeze, pristine beaches, and a vibrant arts scene. The city’s expat community is drawn to its relaxed atmosphere, historic surroundings, and a variety of boutique shops and cafes.

The average rent for a one bedroom apartment in Galle city centre is US$70.88 per month.

Matara

Positioned on Sri Lanka’s southern tip, Matara is ideal for expats searching for a quieter pace of life. One of Sri Lanka’s most stunning coastal locations, expats can settle down surrounded by white beaches and tropical landscapes.

Matara’s expat-friendly atmosphere also comes with endless activities, including a range of water sports, and thriving local markets that bring the community together. 

The average rent for a one bedroom apartment in Matara city centre is US$126.02 per month.

Arugam Bay

For expats who are out to catch the waves, Arugam Bay on the east coast is a surfer’s haven. Known for its consistent surf breaks, sandy shores, and a laid-back atmosphere, Arugam Bay offers a unique lifestyle by the sea.

Expats in Arugam Bay will find themselves immersed in a beach-centric culture, with surfing, yoga, and beachside cafes defining the local scene. The close-knit expat community here enjoys a relaxed lifestyle with a coastal backdrop.

Kandy

Cradled in the central highlands, Kandy is a city that blends cultural richness with scenic beauty. Surrounded by misty mountains and a picturesque lake, Kandy appeals to expats who would prefer a slightly cooler climate and a taste of traditional Sri Lankan heritage.

With its historic temples, lush botanical gardens, and the annual Esala Perahera festival, Kandy allows expats to become truly immersed in Sri Lankan culture. 

The average rent for a one bedroom apartment in Kandy city centre is US$137.83 per month.

Can expats buy property in Sri Lanka?

Yes, but with restrictions.

Foreign nationals can buy apartments and condominiums, however land cannot be purchased via freehold, and leasehold purchases are capped at 99 years. That said, there are a few loopholes.

Under current legislations, foreign nationals can buy property in Sri Lanka by: 

• Leasing the property
• Inheriting the property
• Receiving property as a gift from parents
• Purchasing as part of a private company with a local shareholding of 50% or above
• Purchasing as part of a locally listed public company 
• Obtaining dual citizenship  

If you have your heart set on buying property in Sri Lanka, you can speak to a local property advisor to discuss the options, however be prepared that the process may be long and convoluted.

Purchasing your own home is one of the greatest joys in life as an expat

Discover the best and easiest countries to buy property abroad

A group of elephants bathing at Pinnawala Elephant Orphanage in Sri Lanka // GETTY IMAGES

Jobs, visas and working in Sri Lanka

What is the average salary in Sri Lanka?

The average salary in Sri Lanka is well below what you might expect to earn in most Western countries. In 2023, the average salary in Sri Lanka was just LKR 90,100/US$285 per month. For this reason, many expats living in Sri Lanka tend to work remotely for foreign companies. 

Expats who do find roles working in Sri Lankan companies often bring specialist skills or expertise that are not readily available within the local workforce. English teaching, management positions, and roles in international organisations or NGOs are some examples where expats might find opportunities.

How much tax will I pay in Sri Lanka?

The amount of tax you can expect to pay as an expat living and working in Sri Lanka will depend on your residency status, income, and the type of income you earn. For example, non-residents are taxed only on their Sri Lanka-sourced income, while those with residency status are taxed on their worldwide income. 

As of the 2023/2024 assessment year, Sri Lanka has implemented a revised personal income tax (PIT) structure. Notably, the tax-free threshold has been increased from LKR 100,000 to LKR 150,000 per month (US$335 to US$510) .

For individuals earning up to LKR 250,000 (US$845) per month, the tax burden has been significantly reduced. For instance, an individual with a monthly income of LKR 200,000 (US$675) previously paid 5.25% (LKR 10,500/US$36) in taxes. Under the new structure, this has decreased to 1.5% (LKR 3,000/US$10).

However, it’s important to note that individuals earning over LKR 308,333 (US$1,044) per month are now subject to a 36% tax rate, which is reached at a relatively lower income threshold compared to other South Asian countries.

For the most accurate and up-to-date information on personal income tax rates and regulations, it is advisable to consult the Inland Revenue Department of Sri Lanka’s official publications.

Living and working outside of your home country?

Read our guide to paying taxes as an expat abroad

Do I need a visa to live and work in Sri Lanka?

If you are planning to live and work in Sri Lanka you will need to apply for a visa before travelling to the country. The specific requirements and processes for visas can vary based on your nationality, the nature of your work and the durations of your stay. 

Here are the general steps you’ll need to follow to get a work and residence visa as an expat in Sri Lanka:

Work visa 

Your employer in Sri Lanka will usually initiate the work visa application on your behalf. The employer may need to provide supporting documents, such as a letter of appointment, details of the job, and proof of their business registration, along with personal documents verifying your identity. 

A work visa will usually have an expiry date, allowing you to live and work in Sri Lanka for a specified period.

Residence visa

Residence visas are for expats or digital nomads who intend to live in Sri Lanka for an extended period, while not being necessarily tied to official employment.

To have a residence visa approved, you’ll need to provide proof of accommodation, financial means and proof of identity.

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Ready to begin a new life in Sri Lanka?

Moving to Sri Lanka is a huge step, but promises huge rewards. Culture and beauty, the likes of which you’ve never imagined, are right around the corner.

The only thing left to think about is whether you have the right health insurance. And for that, William Russell is here to help. Before you jet off, speak to us about our range of specialist international health insurance packages, designed especially for expats like you.

The post Living in Sri Lanka: A Guide To Moving To Sri Lanka As An Expat appeared first on William Russell.

If you are considering living in Bangladesh, this handy expat guide will help get you started. Discover all the basics of moving to Bangladesh, including the best places to live, how to set up a bank account and how to sort your family out with the best possible medical care.

An aerial view of Dhake city skyline // GETTY IMAGES

Life in Bangladesh: What to expect from living in Bangladesh as an expat

What is life in Bangladesh like?

Beautiful natural landscapes, historic sites and exotic cuisine are just some of the hallmarks of life in Bangladesh. However, expats must be aware that Bangladesh is still a developing country with significant poverty in some areas.

Home to nearly 180 million people, Bangladesh is the eighth most populated country in the world, and the fifth most densely populated. Expats living in Bangladesh tend to settle in one of the larger cities of Chittagong or Dhaka, though should prepare themselves for culture shock, as life in these urban cities can be drastically different from the Western world.  

Culture in Bangladesh is shaped by the Islamic faith, with Muslims accounting for 91% of the population. There is also a modest Hindu community in Bangladesh, with 8% of Bangladeshis practising the faith. True to Islamic culture, Bangladesh is conservative and patriarchal, with age, authority and position in society being highly valued. Expats living in Bangladesh should also keep in mind that drinking alcohol is frowned upon and women in particular should keep their shoulders, arms and legs covered when out and about. 

Located in the South of Asia, Bangladesh has a tropical climate, characterised by heat and humidity. There is also a three-month rainy period between June and October, with some risk of tropical cyclones near the Bay of Bengal.

Looking for expat insurance for living in Bangladesh?

Find out more about our international insurance plans

Is Bangladesh safe for expats?

Expats in Bangladesh are advised to exercise a high degree of caution and to keep an eye out for updates from their local embassy. Violent crimes and terrorism are prevalent across the country, as are public demonstrations which have been known to escalate. Expats living in Bangladesh usually form close-knit expat communities or live in gated housing complexes for peace of mind. 

How is the political situation in Bangladesh?

Bangladesh operates as a parliamentary democracy with a multi-party system. The political landscape has been historically characterised by the dominance of two major parties: the Awami League and the Bangladesh Nationalist Party (BNP). The country has experienced periods of political instability, marked by protests, strikes, and occasional violence, often tied to elections and power transitions.

Most recently, the Student-People’s Uprising of July 2024 deposed the authoritarian prime minister, Sheikh Hasina Wazed, but only after a bloody massacre. After fleeing to India without providing a contingency plan for her government, Wazed triggered a constitutional crisis that left the position of Prime Minister vacant. Bangladesh is thus currently governed by an interim government under the leadership of Muhammad Yunus, until a constitutional arrangement can be reached.

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Language in Bangladesh

The official and most widely spoken language of Bangladesh is the native Bengali (also known as Bangla). Bengali is the first language for 98% of Bangladeshis and is used in all settings from education through to government. There are also around 38 regional languages spoken across the country including Chakma, Tangchangya, Jajong, Marma, Rohingya, Sylheti and Chittagonian. 

English is also widely spoken and taught in all schools in Bangladesh. However, for expats planning to live and work in Bangladesh it is highly advised to have lessons in Bengali. Having at least a basic proficiency in the Bengali language will help expats immensely in daily life, while also allowing them to appreciate the diverse culture and build relationships with locals.

Looking to learn a new language?

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Cost of living in Bangladesh

The low cost of living in Bangladesh makes it easy for expats and digital nomads to enjoy a high quality of life without breaking the bank. As of 2024, the cost of living in Sri Lanka is around 61.2% lower than in the United Kingdom, with monthly costs for a single person coming in at around US$366.98 before rent.

Of course, the cost of living in Bangladesh will fluctuate slightly depending on where in the country you choose to live, but we’ll focus on the country’s most expensive city, the capital Dhaka, to give you a general idea of daily costs. 

Expats moving to Bangladesh should also keep in mind any additional costs they may need to factor in, such as fees for independent schools, healthcare costs and international health insurance.

See the table below to see the average cost of day-to-day amenities living in Dhaka, Bangladesh:

*As of January 2024, Numbeo

Household bills are reasonable across Bangladesh, especially compared to Western cities. These are the average costs of bills in the Bangladesh capital, Dhaka (not including rent):

*As of January 2024, Numbeo

The cost of eating out is also very inexpensive, inviting expats to indulge in all the country’s culinary delights. Here are some average costs for eating out in the capital city:

*As of January 2024, Numbeo

Worried about moving abroad and the cost of living crisis?

Our cost of living guides explore the affects across the globe

How do I open a bank account in Bangladesh?

If you’re moving to Bangladesh to live, work or study, you’ll need to open a local bank account. This will usually mean visiting a bank branch in person, though there are some banks that allow expats to open accounts remotely so long as you can nominate a Bangladeshi to co-sign the account.

Bangladeshi banks offer various account options for non-residents, which can be used to add and hold funds in foreign currencies and then convert to BDT when needed. The most common types of bank account for expats are: 

• Non-resident – targeted at expats living and working in Bangladesh who do not have permanent residency status. The minimum deposit for non-resident accounts Is usually around US$1,000.
• Resident – expats with resident status will have a greater choice of options when it comes to opening a bank account in Bangladesh, though resident accounts will usually operate in BDT. 
• Student – most student accounts are limited to Bangladeshi citizens. However, if you can find a student account you are eligible for as a foreign citizen, you could enjoy much lower fees. 
• Savings – expats should be able to open savings accounts and fixed term accounts in both BDT and a range of foreign currencies. 

Whichever type of bank account you want to open, you will need to provide the following documents: 

• Passport – valid for at least 6 months
• Proof of address – such as a utility bill or signed rental agreement 
• Proof of income – a letter from your employer, bank statements or employee contract 
• Copy of your e-TIN certificate – this is your Tax Identification Number. You can get this through the Bangladesh National Board of Revenue

Got more questions about moving abroad?

Check out our guide for expats looking at moving overseas

A traditional wooden fishing boat in Bangladesh // GETTY IMAGES

Healthcare in Bangladesh

Bangladesh has a public healthcare system with government-run hospitals and clinics providing medical services at subsidised rates. However, the quality of care in public facilities is not up to Western standards, and expats should expect long waiting times and a lack of access to certain treatments and facilities.

The private healthcare sector in Bangladesh is more developed, with numerous hospitals and clinics in major cities offering a higher standard of care. Some private healthcare facilities are well-equipped with modern technology and experienced medical professionals.

Do I need international health insurance in Bangladesh?

Expats living in Bangladesh are strongly advised to have comprehensive health insurance that covers both routine healthcare and emergencies. This insurance should also include medical evacuation cover in case of severe illness or injury that requires evacuation to a country with more advanced medical facilities.

What is medical evacuation insurance and why do expats need it?

Find out more about emergency medical evacuation or medevacs

Education in Bangladesh

Schools in Bangladesh 

Expat families in Bangladesh have a wide range of choices when it comes to schools. Local primary and secondary schools in Bangladesh are government funded and open for expats to send their children.

The other option for primary and secondary education in Bangladesh is international schools. There are several international schools in Dhaka and Chittagong, offering an international curriculum such as the Cambridge Assessment or the International Baccalaureate (IB). These schools often use English as the primary language.

Some international schools in Dhaka include: 

• International School Dhaka (ISD)
• Grace International School
• Springdale International School 
• American International School Dhaka (AISD)
• Canadian International School 

Some international schools in Chittagong include: 

• Chittagong Grammar School
• Presidency International School
• Crans-Montana International School (CMIS)
• Al-Hidaayah International School 

Universities in Bangladesh

Students considering studying in Bangladesh will find all the best universities in the capital, Dhaka. This includes University of Dhaka, established in 1921, which offers undergraduate and postgraduate courses in a wide range of subjects from arts and humanities, through to science and business.

Bangladesh University of Engineering and Technology (BUET) is another notable university, specialising in engineering and architecture.

When deciding whether to study in Bangladesh, make sure to check what language your course will be taught in, as many are taught in the local language, Bengali.

Keen to get your kids a great education?

We rank the best countries in the world for education

Where to live in Bangladesh

As mentioned above, expats in Bangladesh tend to settle in one of the two main cities, Dhaka or Chittagong. Within these cities, there are designated expat communities, often gated and separate from the rest of the Bangladeshi population, where expats live together. These communities will usually include facilities such as grocery stores, gyms and parks for expat use. 

Living in Dhaka as an expat, the most popular regions include Gulshan, Banani and the most affluent area, Baridhara, usually designated for diplomats. 

For expats living in Chittagong, some popular residential areas include Khulshi, Nasirabad and GEC Circle.  

Can expats buy property in Bangladesh?

The rules around buying property in Bangladesh as an expat are murky. In general, foreigners are only allowed to purchase flats in Dhaka, strictly for residential purposes. They must also get approval from the Bangladesh Board of Investment and pay for the property in full in a foreign currency. 

For any other type of property, or to buy property in Bangladesh outside of Dhaka, expats will need to have dual citizenship, or to own a company that operates in Bangladesh under the Registrar of Joint Stock Companies (RJSC).

A woman picking tea leaves on a plantation in Bangladesh // GETTY IMAGES

Jobs, visas and tax in Bangladesh

Jobs in Bangladesh for expats

Salaries in Bangladesh are incredibly low compared to Western standards, with the average salary coming in at BDT312,000/US$2,944.70 per year.   

The exact salary you can expect working in Bangladesh will depend on the industry and your experience, with skilled roles such as those in finance or engineering demanding higher pay. 

Some of the most common industries where expats can find work in Bangladesh include NGOs and development, information technology, telecommunications, engineering, banking and finance, and healthcare. 

How to get a visa to live and work in Bangladesh

Expats will need a visa to enter Bangladesh. Depending on nationality, you may be able to get a tourist visa on arrival which will last for 30 days. However, for all other types of visa, or to stay for a longer period of time, it’s advised that you apply for your visa online before arriving in Bangladesh. 

There are a number of different types of visa for Bangladesh, including the business visa, student visa, employment visa and investor visa. Which visa you choose will depend on your circumstances and reasons for wanting to live in Bangladesh. Any expat or digital nomad who wants to live in Bangladesh for longer than 1-2 months will also need to register their stay with the Immigrations & Passport Office in Dhaka. 

Family members of Bangladeshi citizens don’t need a visa. 

How much tax will I pay in Bangladesh?

Bangladesh follows a resident/non-resident tax system. Residents are generally taxed on their worldwide income, while non-residents are taxed only on income earned within Bangladesh.
Individual income tax rates for residents are progressive from 0% to 25%, and non-residents are taxed at a flat rate of 30% on all Bangladeshi-sourced income.

Living and working outside of your home country?

Read our guide to paying taxes as an expat abroad

Trust William Russell with your healthcare in Bangladesh

If you or your family get sick or injured while living in Bangladesh, count on us to be by your side. With over three decades of experience, William Russell has supported the health of thousands of expat families living abroad with international health insurance.

From everyday healthcare to medical evacuations, our expat health insurance can help give you peace of mind while you enjoy your new life in Bangladesh.

Speak to us today to learn more about how our expat health insurance can help you start your new life in Bangladesh with complete confidence.

The post Living in Bangladesh: A Guide To Moving To Bangladesh As An Expat appeared first on William Russell.