Updated 9 August 2026GD - ST-KITTS-NEVIS

A free PDF guide — the oldest programme in the world, running since 1984

A guide to citizenship of St Kitts andNevis: terms, cost and risks

A practical guide to the four investment options. We work through the SISC contribution from $250 000 and property from $325 000, the structure of the government payments, including the family, due diligence, the 2026 biometrics and the risk to visa-free travel to the Schengen area.

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Preliminary information is not a guarantee of approval. Whether the programme is available and the final cost are determined once the applicant has been checked.

01 / The essentials first

What you need to know before you consider St Kitts and Nevis

The oldest citizenship-by-investment programme in the world has run since 1984 and remains one of the few Caribbean programmes whose passport opens the Schengen area and the United Kingdom. In return the programme demands a stricter check, and some of the terms changed in 2026 — better to know that before paying, not after.

  1. Four options

    The SISC contribution from $250 000 for a family of up to four, the Public Benefit Option at the same threshold but with option fees, a share in a developer’s project from $325 000 and a private house from $600 000. The last two leave the money as an asset.

  2. The money comes after approval

    The investment is made not on filing but after the letter of approval in principle. Before that only due diligence and the mandatory duties are paid.

  3. Checks from the age of 16

    Due diligence covers the main applicant and every person aged 16 and over included in the application: $10 000 and $7 500 respectively. Children under 16 are not checked.

  4. Schengen access, but under pressure

    Visa-free access to roughly 155 destinations, the Schengen area and the United Kingdom included. The EU position on Caribbean programmes is hardening, so we work through that risk separately and before the agreement.

02 / A preliminary calculation

What the process may cost for your family

Set out the family — the calculation shows the structure of the government payments for the option chosen. We count on the official CIU table and by the same formula as the BRIDGES GLOBAL personal quotation: the figures in the guide and in the quotation match to the dollar.

The family
A spouse in the application
0
0
0
0
0
0
The applicant and the programme
1 people in the application

03 / The contribution or property

SISC or property: what the difference is

The investment thresholds, the due diligence fees and the fees after approval are taken from the Citizenship by Investment Unit website and checked on 9 August 2026. The duties and bank charges are carried over from the BRIDGES GLOBAL personal quotation. Where there is no official wording we say so plainly rather than substituting a convenient figure.

The values were checked against the official material on 09.08.2026. Only the rows for which there is no official wording are marked separately.

A comparison of the SISC and developer property options across 15 criteria
CriterionSISC — the contribution to the fundThe investment is non-refundableProperty from a developerThe property stays an asset
What the investment isA non-refundable contribution to the state Sustainable Island State Contribution fundThe purchase of a share in an approved developer’s project — the property stays your asset
The minimum threshold$250 000 for the main applicant or a family of up to 4$325 000 for a share in an approved project, whatever the size of the family
Total government payments for one applicantfrom $261 041Without the BRIDGES GLOBAL fee, apostilles, translations and medical certificates — these are counted separately.from $361 041
How much is spent for good$261 041 — the contribution is never returned$36 041: the property itself, worth $325 000, stays yours
Government fees for the optionNot charged — which is what makes SISC the simplest optionCharged after approval: the applicant $25 000, the spouse $15 000, a dependant under 18 $10 000, aged 18 and over $15 000
Whether the investment comes backThe contribution is non-refundableThe resale price is not guaranteed by the state: it is an ordinary market transaction.The property may be sold no earlier than 7 years
The family in one applicationThe contribution covers the applicant and up to three dependants. Each further one: $50 000 for a dependant aged 18 and over, $25 000 for a child under 18From the fifth person the gap between the contribution and the property narrows. From seven applicants we cost both options.The price of the property does not depend on the number of applicants — only the option and due diligence fees grow
Due diligence$10 000 for the main applicant and $7 500 for every dependant aged 16 and over$10 000 for the main applicant and $7 500 for every dependant aged 16 and over
When payment is madeThe investment is made after the letter of approval in principle, not on filingThe property transaction takes place after the letter of approval in principle
Who takes the decisionThe Citizenship by Investment Unit; filing only through a licensed agentThe Citizenship by Investment Unit; filing only through a licensed agent
The processing time3-6 months according to the CIUIn BRIDGES practice the road from the first consultation to the passport takes 5-6 months.3-6 months according to the CIU; the property transaction adds time
The other options of the programmeThe Public Benefit Option — the same threshold of $250 000, but with option fees, and so more expensiveA private house — from $600 000, held for 7 years
Who it usually suitsA BRIDGES estimateThose who want a predictable budget and the shortest road, without a property transactionThose ready to invest more so that the money stays an asset, and families of five and more
The main risksA BRIDGES estimateA refusal by the CIU; changes to the contribution and the fees; the hardening position of the EU on visa-free travelThe same, plus the market risk of the property and no guarantee of the resale price after seven years
What to confirm before filingRequires confirmationThat the fee table is current, that the programme is available on your citizenship, and how biometrics are enrolledThe status of the project on the approved list, the terms of the contract and how the exit works after seven years
What the investment is
A non-refundable contribution to the state Sustainable Island State Contribution fund
The purchase of a share in an approved developer’s project — the property stays your asset
The minimum threshold
$250 000 for the main applicant or a family of up to 4
$325 000 for a share in an approved project, whatever the size of the family
Total government payments for one applicant
from $261 041
from $361 041
How much is spent for good
$261 041 — the contribution is never returned
$36 041: the property itself, worth $325 000, stays yours
Government fees for the option
Not charged — which is what makes SISC the simplest option
Charged after approval: the applicant $25 000, the spouse $15 000, a dependant under 18 $10 000, aged 18 and over $15 000
Whether the investment comes back
The contribution is non-refundable
The property may be sold no earlier than 7 years
The family in one application
The contribution covers the applicant and up to three dependants. Each further one: $50 000 for a dependant aged 18 and over, $25 000 for a child under 18
The price of the property does not depend on the number of applicants — only the option and due diligence fees grow
Due diligence
$10 000 for the main applicant and $7 500 for every dependant aged 16 and over
$10 000 for the main applicant and $7 500 for every dependant aged 16 and over
When payment is made
The investment is made after the letter of approval in principle, not on filing
The property transaction takes place after the letter of approval in principle
Who takes the decision
The Citizenship by Investment Unit; filing only through a licensed agent
The Citizenship by Investment Unit; filing only through a licensed agent
The processing time
3-6 months according to the CIU
3-6 months according to the CIU; the property transaction adds time
The other options of the programme
The Public Benefit Option — the same threshold of $250 000, but with option fees, and so more expensive
A private house — from $600 000, held for 7 years
Who it usually suitsA BRIDGES estimate
Those who want a predictable budget and the shortest road, without a property transaction
Those ready to invest more so that the money stays an asset, and families of five and more
The main risksA BRIDGES estimate
A refusal by the CIU; changes to the contribution and the fees; the hardening position of the EU on visa-free travel
The same, plus the market risk of the property and no guarantee of the resale price after seven years
What to confirm before filingRequires confirmation
That the fee table is current, that the programme is available on your citizenship, and how biometrics are enrolled
The status of the project on the approved list, the terms of the contract and how the exit works after seven years

The terms of the programme and the amounts of the fees may change. Before the agreement is signed BRIDGES GLOBAL confirms the figures and the availability of the chosen option again.

04 / What the pack contains

What is inside the guide

A client pack of ten documents goes out with the guide. It begins with who cannot use the programme and what will happen to Schengen access — so that the decision is taken on the full picture.

  • Who may applyThe restrictions by citizenship and the family that goes into one application.
  • Schengen and the EU positionWhat the passport gives today and what the risk to visa-free travel is.
  • The four optionsA comparison of the investment options and the logic of choosing between them.
  • SISC — the contribution to the fundThe figures by family size: how the contribution grows from the fifth person.
  • PropertyA share from $325 000 and a private house from $600 000, held for 7 years.
  • The Public Benefit OptionWhat the difference from SISC costs and when this option is considered at all.
  • The changes of 2026Biometrics, the filing procedure and what changed in the requirements for an applicant.
  • The road mapThe stages and the timing: from the preliminary assessment to the passport.
  • The passport and visa-free countriesAround 155 destinations, the Schengen area and the United Kingdom — with reservations.
  • Why BRIDGES GLOBALHow the support is arranged and who answers for the file.

05 / How the work runs

From the preliminary assessment to the passport

The CIU states a processing time of 3-6 months. In BRIDGES practice the road from the first consultation to the passport takes 5-6 months — below is the sequence of the work and who answers for what.

  1. A preliminary assessment

    We check the citizenship, the family and the applicant’s background. The programme does not accept applications from certain citizenships, so we confirm that it applies before any expense. No documents are needed at this stage.

  2. Choosing the option and the calculation

    We compare the four options: the SISC contribution, the Public Benefit Option, a share in a developer’s project from $325 000 and a private house from $600 000. We cost the full structure of government payments for your family.

  3. Preparing the file

    We assemble the documents and the evidence of the source of funds, and arrange translations, apostilles and medical certificates. The application is filed only through a licensed agent — the CIU does not accept documents directly.

  4. Due diligence

    Due diligence covers the main applicant and every person aged 16 and over included in the application. The fees are $10 000 and $7 500 respectively.

  5. Approval in principle

    The CIU reviews the file and, if the decision is positive, issues a letter of approval in principle. Only then is the investment made — no programme money is paid before approval.

  6. The investment and the fees after approval

    The contribution is paid or the property transaction is completed. On every option other than SISC, government option fees are payable as well.

  7. Biometrics and the passport

    Since 14 April 2026 only biometric passports are issued: the applicant and everyone included in the application, children included, go through biometric enrolment — fingerprints, a photograph and an iris scan.

07 / The check on the applicant

What has to be prepared for due diligence

The check covers the main applicant and every person aged 16 and over included in the application. Below are the areas on which information is gathered. The first consultation takes place without handing over any documents.

  • Personal and business background

    The chronology of employment, senior positions, participation in companies and public activity.

  • Current and previous citizenships

    Every passport and residence permit, including those obtained under other countries’ investment programmes.

  • The source of funds

    Where the particular money paying for the participation came from: the sale of a stake, dividends, salary, an inheritance.

  • The source of wealth

    How the capital was built over a career — a wider picture than the origin of a single amount.

  • Banking relationships

    The banks used, the history of the relationship, letters and statements for the period required.

  • Corporate structures

    Shareholdings, beneficial ownership, trusts, foundations and holding companies.

  • Tax residency

    The countries in which you are treated as a tax resident, and the grounds for that status.

  • Court and criminal proceedings

    Current and concluded proceedings, civil disputes and tax claims included.

  • Sanctions and PEP factors

    A check against the sanctions lists and the status of a politically exposed person — for you and for connected persons.

  • Adverse media

    Publications in the press and in open databases that the reviewer will see and will ask about.

  • Information on family members aged 16 and over

    The programme checks every person aged 16 and over included in the application, not only the main applicant.

  • Explaining large transactions

    Explanations for unusual credits and transfers over the period under review.

A complete set of documents does not mean automatic approval. The final decision is taken by the state authority after its own check.

08 / Important before you decide

What a St Kitts and Nevis passport does not solve by itself

For each point we give a link to the primary source where one exists. This is the part people usually learn about after paying.

Visa-free travel to the Schengen areaIt exists today, but it is under political pressure

The St Kitts and Nevis passport gives visa-free entry to roughly 155 destinations, including the Schengen area for 90 days in 180 and the United Kingdom. At the same time we have to say plainly: the European Union’s position on Caribbean citizenship-by-investment programmes is hardening, the mechanism for suspending visa-free travel has been strengthened, and no one can guarantee that visa-free access will last for the whole life of the passport. We work through this risk before the agreement is signed, not after.

Availability for particular citizenshipsApplications from citizens of Russia and Belarus are not accepted

Since 2023 the programme has not accepted applications from citizens of Russia and Belarus. The practice on other citizenships has changed and continues to change, so we confirm in writing with the licensed agent that the programme applies to your passport before any documents are prepared and before any expense.

Source: CIU, Eligibility Criteria
Filing only through an agentThe state authority does not accept documents directly

The official procedure states it plainly: the application is filed through an agent from the list of licensed agents, and filing with the CIU yourself is not possible. There is a flip side: the CIU website also publishes the list of agents whose licence has been withdrawn, so the choice of agent is worth checking against the official list.

Source: CIU, Application Process
Mandatory biometricsSince 14 April 2026 a passport without biometrics does not work

The Federation has moved to biometric passports: since 14 April 2026 only these are issued. Everyone who obtained citizenship under the investment programme, children and dependants included, has to complete biometric enrolment by 31 July 2027 — after that date old-style passports are not accepted for international travel. The biometrics fee people speak about in 2026 has not been published officially in open material: we do not include it in the calculation and confirm it with the agent before filing.

Source: CIU, the biometric passport
The holding period for the propertySeven years, and the resale price is not guaranteed

A property bought under the investment option may not be resold earlier than 7 years. «Refundable» here means only that the asset stays yours: the state does not buy the property back and does not guarantee a price. A sale after seven years is an ordinary market transaction, including to the next participant in the programme.

Source: CIU, Private Real Estate Investment
Attending in person and the interviewWe confirm the procedure as at the date of filing

The requirements on attending in person, on the interview and on how biometrics are enrolled changed during 2026, and the CIU’s open material contains no single description of the procedure. We make no promises on this point: we confirm the procedure in force in writing with the licensed agent before the work begins.

The processing time3-6 months according to the CIU

The CIU states a processing time of 3-6 months. That is the time to process the file, not the whole road: in BRIDGES practice 5-6 months pass from the first consultation to the passport. Any shorter period an agent quotes is practice, not an obligation of the state.

Source: CIU, Application Process
Tax residencyAn instrument of planning, not an automatic relief

St Kitts and Nevis levies no personal income tax and no inheritance tax, but citizenship by itself does not end tax obligations in other countries and does not make the applicant a tax resident of the Federation automatically. Residency is determined by the law of the particular countries and by the facts — where you live, where the centre of your interests lies, how many days you spend. That is separate work with a tax adviser: first we cost your situation, then we decide whether a change of residency is worth it.

Bank accounts and complianceA working instrument, but not a guarantee

A second passport is often taken for corporate tasks: registering companies and opening accounts where the applicant’s first citizenship matters less. But the passport by itself does not open an account: banks run their own compliance, assess documents obtained under investment programmes separately, and in any case require evidence of the source of funds.

A refusal by the state authorityIt is possible at any stage

The decision is taken by the Citizenship by Investment Unit. A complete file does not mean automatic approval, and no adviser can guarantee the outcome. That is exactly why the investment is made after the letter of approval in principle, not on filing.

Source: CIU, Application Process

09 / The project team

Who will run the process

Every project has a named person responsible, who coordinates the documents, the dealings with the licensed agent and the communication with the client.

The editorial record

The material was prepared and checked by

Anna Kovalevskaya, Head of Legal, BRIDGES
The author of the materialAnna KovalevskayaHead of Legal, BRIDGES
Daniel Kovach, Senior International Law Attorney, BRIDGES
The legal reviewDaniel KovachSenior International Law Attorney, BRIDGES
First published
9 August 2026
Last updated
9 August 2026
The financial terms checked
9 August 2026
The filing procedure and timing checked
9 August 2026
The passport rules checked
9 August 2026

The official sources

10 / Question and answer

Common questions about citizenship of St Kitts and Nevis

How do the four investment options differ?

SISC is a non-refundable contribution to the state fund, $250 000 for an applicant or a family of up to four, and it carries no government option fees. The Public Benefit Option has the same threshold of $250 000 but with fees after approval, so the total is higher. Property from a developer is a share in an approved project from $325 000. A private house is from $600 000. The last two options are «refundable» in the sense that the property stays your asset and may be sold no earlier than 7 years.

How much does it cost for a single applicant?

Government payments from $261 041 under SISC: the contribution $250 000, due diligence $10 000, processing the application, the bank check, the certificate of registration, the passport and courier delivery. With property from a developer it is from $361 041, but $325 000 of that stays your asset, so $36 041 is spent for good. The BRIDGES GLOBAL fee, apostilles, translations and medical certificates are counted separately.

How much does it cost to include the family?

The contribution covers the main applicant and up to three dependants — up to four people in the application the total grows only through due diligence and duties. Beyond that, every dependant aged 18 and over adds $50 000 to the contribution and a child under 18 adds $25 000. Due diligence covers everyone aged 16 and over: $10 000 for the main applicant and $7 500 for each dependant. The calculator above shows the figure for your family.

When does property work out better than the contribution?

For a single applicant the difference between SISC and a share in a developer’s project is $75 000 of investment. That is the price of keeping $325 000 as an asset rather than as an expense. With larger families the gap narrows: from the fifth person the SISC contribution grows by $50 000 for every dependant aged 18 and over, while the price of the property does not change. From seven applicants we cost both options and choose on the facts.

When is the main payment made?

The investment is made after the letter of approval in principle, not when the application is filed. Before approval only the due diligence fees and the mandatory duties are paid. It is a matter of principle in this programme: first the state checks the applicant, and only then the main money moves.

Can documents be filed directly with the state authority?

No. The official procedure states plainly that the application is filed only through an agent from the list of licensed agents; the Citizenship by Investment Unit does not accept documents directly. The CIU website also publishes the list of agents whose licence has been withdrawn — the choice of agent is worth checking against the official list.

Who goes through due diligence?

The main applicant and every person aged 16 and over included in the application. The fees are set officially: $10 000 for the main applicant and $7 500 for each dependant aged 16 and over. Children under 16 are not checked. What is examined: the background, the citizenships, tax residency, the source of funds and the source of wealth, banking relationships, corporate structures, court proceedings, sanctions and PEP factors, and publications in open sources.

What about the Schengen area and the United Kingdom?

Today the passport gives visa-free access to roughly 155 destinations, including the Schengen area for 90 days in 180 and the United Kingdom. At the same time the European Union’s position on Caribbean programmes is hardening, the mechanism for suspending visa-free travel has been strengthened, and visa-free access cannot be guaranteed for the whole life of the passport. We work through this risk before the agreement is signed and do not build the case on visa-free travel alone.

Do I have to travel to the country?

The requirements on attending in person, on the interview and on how biometrics are enrolled changed during 2026, and the CIU’s open material has no single description of the procedure. We do not publish claims of a fully remote process: we confirm the procedure in force in writing with the licensed agent before the work begins.

What changed in 2026?

The Federation moved to biometric passports: since 14 April 2026 only these are issued. Everyone who obtained citizenship under the investment programme, children included, must complete biometric enrolment by 31 July 2027 — otherwise the passport stops being accepted for international travel. The separate biometrics fee agents speak about has not been published officially in open material, so we do not include it in the calculation.

How long does the process take?

The CIU states a processing time of 3-6 months. In BRIDGES practice the road from the first consultation to the passport takes 5-6 months: preparing the file, the checks and issuing the documents are added to the processing. That is longer than Vanuatu and Nauru, but St Kitts is the only one of those three programmes with the Schengen area, the United Kingdom and a refundable option through property.

Are applications accepted from citizens of Russia and Belarus?

No, since 2023 the programme has not accepted applications from citizens of Russia and Belarus. The practice on other citizenships has changed and continues to change, so we confirm in writing with the licensed agent that the programme is available on your passport before any documents are prepared and before any expense.

Is the citizenship passed to children?

Yes, the citizenship is inherited: a child born after the status is obtained is registered by descent, without a new investment. The passport itself is a document with an expiry date and is replaced when it runs out — since April 2026 only with a biometric one.

Which documents evidence the source of funds?

The set depends on where the capital came from. Usually it is the contracts and documents for the sale of a stake or an asset, dividend resolutions and statements, income certificates and tax returns, documents on an inheritance or a gift, bank statements for the period required with explanations of large transactions, and evidence of the ownership structure of the business. The first consultation takes place without handing over any documents.

The cover of the BRIDGES GLOBAL guide «St Kitts and Nevis: citizenship by investment»

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Inside: a comparison of the four options, the structure of the government payments from $261 041, the requirements for the family, the stages of due diligence, the changes of 2026 and the questions to settle before the process begins.

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