How to obtain a Philippine retirement visa
Your essential guide to getting a Philippine retirement visa, from visa types and how to apply to processing fees and other key information.
If you’re living some or all of the time in the Philippines, then seeking citizenship of the Philippines could make a lot of sense. Under local law, you’d have the same rights as any other natural born Filipino, so for example, you’re free to travel in and out of the country without having to worry about visas. You're also able to buy land, which is restricted for foreigners. But what if you don’t want to give up your original nationality to become Filipino?
Here’s where it gets tricky. The law of the Philippines doesn’t recognise dual citizenship for non-natives. This means that in most cases, if you want to become an Filipino national, you’re forced to give up your original citizenship.¹ It’s different if you’re born in the Philippines, and then take up a second citizenship elsewhere. In that case, you might be allowed to hold dual citizenship under Philippine law.
Dual citizenship is a complex area - so seek professional advice before you make any decisions. However, to get you started, here’s a beginners guide to the laws concerning dual citizenship in the Philippines.
This depends on whether you’re a natural born Filipino or not. Foreigners who want to become Filipino must renounce their original citizenship before they’re considered to be Filipino. That means that a foreigner can’t have dual citizenship with the Philippines.
However, if you were born in the Philippines or in most cases, if your parents are natural born Filipinos, but you were born elsewhere, you get the right to citizenship of the Philippines automatically.¹ This can apply even if you’ve already naturalised as a citizen elsewhere and renounced your citizenship. Under a law known as R.A.9225, natural born Filipinos who lost their citizenship when they naturalised as citizens in other countries, can apply to have their Filipino nationality reinstated.¹ In effect this means that you can hold dual citizenship - but only if you’re considered to be Filipino by birth.
The Philippines doesn’t allow dual citizenship for people who aren’t natural born Filipinos.That’s because you’re asked to be entirely loyal to the Philippines if you’re a citizen, and this is considered to be incompatible with dual nationality - for foreigners at least.
There aren’t any schemes which are a direct replacement for citizenship. However, there are some good, and fairly flexible long term visa options available which could be a good choice - for example if you want to retire in the Philippines.
Theoretically you must renounce your other nationality when you become a Filipino, if you’re taking on Philippine citizenship through naturalisation. You have to commit to being loyal to the Philippines, and this is seen as something you simply can’t achieve if you’re also equally loyal to your place of birth.
Online commentators do discuss how you can take up citizenship of the Philippines without ever carrying out the full legal duties required by your home country to renounce your citizenship. That’s because some countries consider that people who acquired citizenship by birth can never lose it. Other countries make it quite a complex and lengthy process to renounce your citizenship.
That means that acting as a de facto dual citizen, and holding two passports, for example, could be possible - but might very well be illegal. It could land you in trouble with both your home country and the Philippine authorities. Take legal advice before you make any decisions in this regard.
If a child has Filipino citizenship by birth - because either the child or the parents are natural born Filipinos, then he or she can apply to retain or reinstate their Filipino citizenship at any time. It’s possible to hold dual citizenship in this circumstance, so there's no need to choose which citizenship to keep. This is the same even if a child is born and brought up outside of the Philippines, under the law known as R.A. 9225.¹
You can choose to renounce your Filipino citizenship, for example if you take on another nationality through naturalisation.
Otherwise you can be stripped of your Filipino citizenship if you serve another government, for example by being in their military, or if you sign up to the Philippine army and subsequently desert during wartime.²This area is pretty complex and there are exceptions to the rules, so if you're worried about the possibility of losing your citizenship it's worth taking legal advice.
When you give up your Filipino citizenship you'll no longer be entitled to support from the Philippine Embassy if you're abroad. You'll be subject to the laws of your new state, so you might have to do military service, serve on a jury, and so on - the same as any other citizen.
If you give up your Filipino citizenship then you're treated as a foreigner when you visit the Philippines. The same rules will apply for you as for any other citizen of your adopted country, including visa requirements.
The are no penalties as such. However when you return to the Philippines, the rules of your new country of citizenship will apply. So that means you might need a visa to enter the country or other permits to live and work there in the longer term.
Ever since 2003 it's been possible to reclaim your Filipino citizenship if you're a natural born Filipino.¹ That means that you can apply to reinstate your citizenship if you want to, even after naturalising as a citizen of a different country.
There are several steps to becoming a Filipino citizen. The exact process you follow will depend on whether you're a foreigner acquiring citizenship through naturalisation, or a natural born Filipino reclaiming your citizenship after revoking it.
The steps you're likely to have to take include the following:³
In most cases you have to have lived in the Philippines for 10 years before your application to become a citizen can be considered.⁴ However this might be shortened if you're married to a Filipino for example, or if you have a business in the country.⁴
Once you have decided to apply for citizenship you have to declare your intention to do so up to a year before actually submitting your application.⁴ You should be told at this stage if there's a problem with your application or any reason why you're not eligible. It'll then take a couple of months after this waiting period, to review and assess your application paperwork.
This depends on the country you come from. Most likely you'll have to complete a formal process to renounce your original citizenship properly. Usually you can do this through your local embassy or consulate, but there may be fees to pay. Check with your local embassy or an immigration lawyer to make sure you know your obligations.
If you live and work abroad, or travel regularly between different countries, life can get pretty complicated. And questions of citizenship aren't the only practical headache. Another big issue for many people, is the cost of everyday banking. You can lose out especially if you have to move your money between bank accounts held in different countries and currencies.
Make your life easier, and avoid unfair fees with a Wise multi-currency borderless account. This new account is designed with international people in mind. You can hold your money in any one of dozens of different currencies, and see your balance across different currencies at a glance. Then you just convert money between currencies at a fair rate, whenever you need to.
Whenever you exchange currency with Wise, you’ll always get the same exchange rate that banks use between themselves. That’s the rate you’d find on Google, and the only fair rate.
But, while many banks and money transfer services claim that they’ll exchange your cash for free, or for a low fee, they often don’t offer customers the real exchange rate. Instead they mark up the rate, by up to 5%, and keep the difference as profit. With Wise, you just pay a transparent upfront charge, for a transfer using the real exchange rate, and no nasty surprises.
You’ll be able to get a consumer debit card linked to your account too. See if you could get a better deal with a Wise multi-currency borderless account, today.
The borderless Balances are available in most of the countries around the world. If you’re not certain, that Wise is available in your country, you can take a quick look at the list of places where it’snot available yet.
With the Wise multi-currency account you can transfer and exchange your money in over 40 currencies.
One of the other greatest things with the borderless account is, that you will also get local bank details for GBP, EUR, USD and AUD. This means that you can get paid like a local. This can be very helpful in reducing costs for business owners or people who get payments from one of the countries, that uses these currencies domestically. And of course it just makes everything more convenient.
If dual citizenship is on your radar then you’re probably someone who travels frequently, or lives and works abroad. Does this sound like you? Then you’ll know how important it is to find practical solutions to make your money work for you. If you spend your time moving between different countries, you could end up paying over the odds unnecessarily for day to day banking.
That’s where the Wise multi-currency borderless account can help. Traditional banks aren’t set up to serve international people. But Wise knows you need your money to be as flexible as you are. A borderless account lets your money move with you, with fair exchange rates and transparent fees - so you can just get on with enjoying life.
This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
Your essential guide to getting a Philippine retirement visa, from visa types and how to apply to processing fees and other key information.
Being part of a separated family is always difficult. But it can be even more so when families or parents are separated from their kids in different...
When you’re expecting a newborn, life can be both wonderful and stressful at the same time. This is especially true if you’re on leave as a foreigner or...
The Philippines is a popular destination for overseas travellers. The country’s healthcare is considered good by international standards, and government...
Living in the Philippines, the first thing you’ll notice is how friendly your neighbors are. The general mood in the island country is one of optimism and...
The Philippines is the 13th most-populated country on Earth. Millions of tourists and expats arrive there each year, hoping to get a glimpse of some unique...