Qualified Investor Visa — Bank Deposit — Premium Package

A more complete banking, residency and arrival coordination experience

The Qualified Investor Visa — Bank Deposit Packages is designed for clients who want more than the essential bank deposit, MICI and immigration workflow.

For many investors, the bank deposit option is not only a banking transaction. It is also a family mobility, travel, document and post-approval planning project.

The client may need to prepare a bank profile, organize source-of-funds documentation, coordinate fund transfers, create the fixed-term deposit, organize MICI and immigration evidence, travel to Panama with family, obtain resident cards, coordinate cédula steps, evaluate tax ID needs and manage post-approval obligations.

The Premium Package adds a practical, higher-touch coordination layer to the bank deposit residency process.

Who the Premium Package is for

This package may be suitable for clients who:

• want a higher-touch bank deposit coordination experience;

• are including spouse or family members;

• need enhanced banking preparation and follow-up;

• want translation coordination within approved limits when stated in proposal;

• need support planning travel to Panama after approval;

• want airport VIP pass and transportation coordination;

• need local SIM card assistance;

• want local rental coordination support;

• want cédula coordination after permanent residence approval;

• may need Panama tax ID coordination;

• may want company or foundation review for broader planning;

• may later want ongoing post-approval coordination support for annual investment maintenance.

What the Premium Package may include

The Premium Package may include everything in Basic, plus:

• enhanced banking preparation and document follow-up;

• enhanced source-of-funds organization;

• translation coordination within approved limits when stated in proposal;

• enhanced transfer follow-up;

• airport VIP pass coordination;

• airport-to-city transportation;

• local SIM card assistance;

• family travel coordination for permanent resident cards;

• local rental coordination support;

• cédula coordination after approval;

• Panama tax ID coordination, if applicable;

• company or foundation coordination review, if relevant and stated in proposal;

• Special Travel Passport roadmap support, not application;

• enhanced settlement-oriented support.

The final approved proposal should confirm exact scope, limits, included items and exclusions.

Estimated Premium Package roadmap

Phase 1 — Strategy, family profile and project roadmap

Confirm the bank deposit route, family scope, banking sequence, relocation needs and documentation priorities before onboarding begins.

Estimated time: 2–5 business days

Phase 2 — Banking profile, documents and source-of-funds preparation

Prepare the client file for bank, legal and authority review, including foreign-document legalization or translation where required.

Estimated time: 1–4 weeks, depending on document availability and country of issue

Phase 3 — Bank onboarding and enhanced compliance follow-up

Coordinate KYC submission, provider communication and follow-up. Account approval remains exclusively subject to the financial institution’s compliance review.

Estimated time: 2–6+ weeks after a complete banking file is submitted

Phase 4 — Funds transfer and qualifying fixed-term deposit

Coordinate transfer timing, intermediary-bank questions and the documentation needed for creation of the qualifying fixed-term deposit.

Estimated time: 1–3 weeks after the account is ready and transfer instructions are confirmed

Phase 5 — Deposit evidence, MICI and immigration-file preparation

Organize the bank certificate, deposit evidence and supporting documentation needed for the Qualified Investor filing.

Estimated time: approximately 1–3 weeks after the qualifying deposit is established

Phase 6 — Immigration filing and authority review

Licensed immigration counsel handles the regulated filing and representation. Additional authority requests may extend the review.

Estimated time: approximately 30–45 days after a complete qualifying filing is submitted

Phase 7 — Panama arrival and permanent-resident card coordination

Coordinate family travel, resident-card steps, local connectivity and approved arrival support.

Estimated time: approximately 2–5 business days in Panama, subject to appointment and provider availability

Phase 8 — Cédula, tax ID and local settlement follow-up

Coordinate the post-approval items expressly included in the approved proposal, which may include cédula, tax ID and local rental support.

Estimated time: approximately 1–4+ weeks, depending on authority processing, provider availability and selected scope

What is not included in the Premium Package

Unless expressly included in the approved proposal, the Premium Package does not include:

View exclusions

• banking advice by CitizenResident;

• financial advice;

• investment advice;

• tax advice;

• immigration filing by CitizenResident;

• bank approval;

• fixed-term deposit acceptance;

• government fees;

• bank charges;

• transfer fees;

• apostille, consular, notary or courier costs;

• airfare;

• hotel accommodation;

• long-term rental payments;

• company or foundation incorporation, unless expressly included;

• annual investment maintenance, unless expressly included;

• Special Travel Passport application;

• ongoing post-approval coordination service.

Why choose the Premium Package?

The Premium Package is recommended for clients who want the bank deposit route coordinated as a full banking, residency, travel and post-approval experience.

It is especially valuable for investors relocating with family, clients arriving in Panama for the first time, or clients who want a smoother transition after approval.

Ongoing post-approval coordination

After the Qualified Investor Visa process is completed, some clients may want ongoing support for annual investment-maintenance reminders, updated bank certifications, bank communications, tax ID follow-up, cédula, document organization or communication with different professionals.

In that case, CitizenResident may offer the ongoing post-approval coordination service as a separate continuity service.

The Premium Package supports the bank deposit residency process.
The ongoing post-approval coordination supports ongoing life, document, provider and investment-maintenance coordination in Panama.

Professional Responsibility Notice

CitizenResident helps coordinate the project workflow, document flow, provider communication, travel support and post-approval organization. Banking advice, financial advice, investment advice, tax advice, immigration advice, eligibility review, legal opinions, filings and representation before authorities are handled by independent licensed professionals, regulated institutions or competent authorities.

Banking approval, government decisions, document acceptance, transfer timing, account opening, deposit acceptance and processing times are outside CitizenResident’s control.