Settlement Permit Excluding Gainful Employment
The Settlement Permit Excluding Gainful Employment (Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit) is Austria's residence permit for financially independent third-country nationals — commonly referred to as Privatiers — who wish to settle in Austria without engaging in any form of work. It targets retirees, pensioners, and individuals living on investment income, rental income, or other passive sources. The permit is established under §44 of the Settlement and Residence Act (NAG) and operates under Austria's strict annual quota system; the Niederlassungsverordnung 2026 allocates 450 places nationwide for Privatiers (principal applicants and quota-bound family members combined), making availability limited and competitive.
- Fixed and regular monthly passive income of at least twice the ASVG §293 reference rates (2026: EUR 2,616.78/month for single persons; EUR 4,128.24/month for couples; plus EUR 403.76/month per child)
- Income must come from own sources: pensions, investment returns, rental income, or foreign business profits
- Social welfare benefits do not count toward the income requirement
- Comprehensive health insurance covering all risks in Austria (travel insurance is not sufficient)
- Proof of accommodation considered adequate for the applicant's family size according to local standards
- German language skills at A1 level at the time of initial application
- Clean criminal record (certificate not older than 3 months)
- Must not intend to engage in any employment or self-employment
- Valid passport and biometric photograph (45×35 mm, not older than 6 months)
- Proof of accommodation (lease agreement or property deed adequate for family size)
- Proof of passive income (pension statements, bank statements, investment portfolio documentation)
- Health insurance certificate covering all risks in Austria
- Criminal record certificate (not older than 3 months)
- German language certificate at A1 level
- Birth certificate; marriage certificate if applicable
- All foreign-language documents require court-certified translations with apostille where required
The permit is initially issued for 12 months. The first renewal is also for 12 months. Subsequent renewals are for 3 years, provided the holder has completed Module 1 of the Integration Agreement (German A2), maintained continuous lawful residence for at least 2 years, and holds a passport valid for 3+ years.
Renewal applications must be submitted before the current permit expires (earliest 3 months prior) at the competent provincial settlement authority and are not quota-dependent. After 5 years of continuous lawful residence, holders may apply for the EU Long-Term Resident permit (Daueraufenthalt – EU) upon completing Module 2 of the Integration Agreement (German B1). Austrian citizenship by naturalisation is possible after 10 years of continuous legal residence.
Spouses/registered partners and minor unmarried children may each apply for their own Niederlassungsbewilligung – ausgenommen Erwerbstätigkeit. Each family member requires a separate quota place from the same annual allocation, increasing competition for limited spots. Family members must independently satisfy all general issuance requirements: health insurance, adequate accommodation (assessed for the total household size), income contribution, and background checks. Family members file via the same embassy/consulate process simultaneously or subsequently.
Holders who establish domicile or habitual residence in Austria (or reside for 6+ months) become unlimited tax residents and are subject to Austrian income tax on worldwide income. Austria maintains an extensive network of double taxation agreements to prevent double taxation. Tax residents must file an annual income tax return (Einkommensteuererklärung) with the local tax office (Finanzamt).
The process begins with the annual pre-registration window, typically held in November for the following year's quota (e.g., 3–9 November 2025 for 2026 places). Applicants register online through the Austrian embassy or consulate responsible for their place of residence and receive a reservation code. They then book an in-person appointment at the embassy/consulate during the appointment window (e.g., 1–8 December 2025) and submit all required documents in person.
The embassy verifies completeness and forwards the application to the competent provincial settlement authority in Austria. Quota places are distributed on a first-come, first-served basis by application submission date each January. The authority must decide within 6 months of receiving a complete application. Upon approval, the applicant must request an entry visa within 3 months of notification (if not visa-exempt) and collect the residence permit card from the settlement authority within 6 months of notification.
The application fee is EUR 218 (as of 1 January 2026). Upon arrival in Austria, the holder must register their place of residence with the local registration office (Meldeamt) within 3 days of moving in.
Module 1 of the Integration Agreement must be completed within 2 years of initial permit issuance, requiring German language skills at A2 level and knowledge of fundamental Austrian democratic values. Failure to complete Module 1 within the deadline may result in non-renewal. Holders must register and update their address with the local Meldeamt and maintain valid health insurance throughout their stay.
- The annual quota is the primary constraint — once exhausted, no further permits can be issued until the following year regardless of the applicant's qualifications
- The pre-registration window is typically only one week per year
- Applicants must apply from abroad at the Austrian embassy/consulate responsible for their place of residence — applying at a different embassy is generally not possible
- The A1 German language requirement applies at the time of initial application, so applicants must obtain certification before submitting
- Income from employment is not relevant — the permit prohibits working, and income must derive from passive or non-Austrian sources
Other Visa Programs in Europe
Country↑ | Program↕ | Income↕ | Investment↕ | Funds Required↕ | Capital Required↕ | Duration↕ | Dependants↕ | Citizenship↕ | Compare | |
|---|---|---|---|---|---|---|---|---|---|---|
🇦🇱 Albania | Residence Permit for Pensioners | ALL 120,000 / month | — | — | — | 1 year | Yes | Yes (7yr) | ||
🇦🇱 Albania | Residence Permit for Real Estate Owners | — | No minimum investment amo... | — | — | 1 year | Yes | Yes (7yr) | ||
🇦🇱 Albania | Unique Permit for Digital Mobile Workers | No explicit statutory min... | — | — | — | 1 year — 5 years | Yes | Yes (7yr) | ||
🇦🇱 Albania | Unique Permit for Investors | — | ALL 10,000,000 one-time | — | — | 2 years — 3 years | Yes | Yes (7yr) | ||
🇦🇩 Andorra | Digital Nomad Residence Permit | €4,342 / month | — | — | — | 2 years | Yes | — | ||
🇦🇩 Andorra | Entrepreneur Residence Permit | — | — | — | — | 1 year | Yes | — | ||
🇦🇩 Andorra | Residence for Scientific, Cultural and Sporting Interest | €54,912 / year | — | — | — | 2 years — 10 years | Yes | Yes | ||
🇦🇩 Andorra | Residence Without Lucrative Activity | — | €1,000,000 one-time | — | — | 2 years — 10 years | Yes | Yes | ||
🇦🇹 Austria | Job Seeker Visa (Red-White-Red Card) | — | — | Must prove sufficient fun... | — | 6 months | No | — | ||
🇦🇹 Austria | Red-White-Red Card for Start-up Founders | — | — | — | €30,000 one-time | 2 years — Permanent | Yes | Yes (10yr) | ||
🇦🇹 Austria | Settlement Permit — Artist | €1,309 / month | — | — | — | 1 year — Permanent | Yes | — | ||
🇦🇹 Austria | Settlement Permit Excluding Gainful Employment | €2,617 / month | — | — | — | 1 year — Permanent | Yes | Yes (10yr) | ||
🇧🇾 Belarus | Hi-Tech Park Resident | — | — | — | No minimum capital invest... | 1 year | Yes | — | ||
🇧🇾 Belarus | Investor Permanent Residence Permit | — | $202,000 one-time | — | — | Permanent | Yes | Yes | ||
🇧🇪 Belgium | Professional Card for Entrepreneur | — | — | — | €22,838 one-time | 2 years — 5 years | Yes | Yes (5yr) | ||
🇧🇪 Belgium | Rentier Residence Permit | €1,340 / month | — | — | — | 1 year | Yes | Yes (10yr) | ||
🇧🇬 Bulgaria | Continuous Residence Permit for Pensioners | €620 / month | — | — | — | 1 year | Yes | Yes (5yr) | ||
🇧🇬 Bulgaria | Digital Nomad Residence Permit | €31,010 / year | — | — | — | 1 year — 2 years | Yes | No | ||
🇧🇬 Bulgaria | Investor Residence Permit | — | €512,000 one-time | — | — | 1 year — Permanent | Yes | Yes (5yr) | ||
🇧🇬 Bulgaria | Startup Visa | — | — | — | €1,860 one-time | 1 year — 3 years | Yes | — | ||
🇭🇷 Croatia | Temporary Stay for Other Purposes (Property Ownership) | €869 / month | — | — | — | 1 year | Yes | No | ||
🇭🇷 Croatia | Temporary Stay of Digital Nomads | €3,623 / month | — | — | — | 1 month — 18 months | Yes | — | ||
🇨🇾 Cyprus | Category D Immigration Permit | — | — | — | — | Permanent | Yes | Yes | ||
🇨🇾 Cyprus | Category F Immigration Permit | €798 / month | — | — | — | Permanent | Yes | Yes (7yr) | ||
🇨🇾 Cyprus | Digital Nomad Visa | €3,500 / month | — | — | — | 1 year — 3 years | Yes | No | ||
🇨🇾 Cyprus | Permanent Residence Permit for Investors | — | €300,000 one-time | — | — | Permanent | Yes | Yes (7yr) | ||
🇨🇾 Cyprus | Startup Visa | — | — | — | €20,000 one-time | 3 years — 5 years | Yes | — | ||
🇨🇿 Czech Republic | Digital Nomad Program | CZK 69,248 / month | — | — | — | 1 year — 3 years | Yes | — | ||
🇨🇿 Czech Republic | Long-Term Residence Permit for the Purpose of Investment | — | CZK 75,000,000 one-time | — | — | 2 years | Yes | Yes (5yr) | ||
🇩🇰 Denmark | Start-up Denmark | — | — | — | DKK 153,240 one-time | 2 years — 5 years | Yes | Yes (8yr) | ||
🇪🇪 Estonia | Digital Nomad Visa | €4,500 / month | — | — | — | 90 days — 1 year | Yes | No | ||
🇪🇪 Estonia | Residence Permit for Major Investor | — | €1,000,000 one-time | — | — | 5 years — 10 years | Yes | — | ||
🇪🇪 Estonia | Startup Visa | — | — | — | €880 / month | 1 year — 5 years | Yes | Yes (8yr) | ||
🇫🇮 Finland | Residence Permit for Work in Culture or Arts | €1,463 / month | — | — | — | 1 year — 4 years | Yes | — | ||
🇫🇮 Finland | Startup Residence Permit | — | — | — | No fixed capital requirem... | 2 years — 4 years | Yes | Yes (6yr) | ||
🇫🇷 France | Carte de Séjour Temporaire Visiteur | €17,317 / year | — | — | — | 1 year | Yes | Yes (5yr) | ||
🇫🇷 France | Talent Porteur de Projet — Business Creation | — | — | — | €30,000 one-time | 4 years | Yes | — | ||
🇫🇷 France | Talent Porteur de Projet — Direct Economic Investment | — | €300,000 one-time | — | — | 4 years | Yes | — | ||
🇫🇷 France | Talent Porteur de Projet — Innovative Economic Project (French Tech Visa) | — | — | — | No minimum investment req... | 4 years | Yes | — | ||
🇫🇷 France | Talent — Artistic and Cultural Profession | €15,313 / year | — | — | — | 4 years | Yes | Yes (5yr) | ||
🇫🇷 France | Talent — International Reputation | — | — | — | — | 4 years | Yes | Yes (5yr) | ||
🇩🇪 Germany | Opportunity Card (Chancenkarte) | — | — | Must prove sufficient fun... | — | 1 year | No | — | ||
🇩🇪 Germany | Freelance Residence Permit | No fixed statutory minimu... | — | — | — | 1 year — 3 years | Yes | — | ||
🇩🇪 Germany | Residence Permit for Financially Independent Persons | — | — | — | — | 1 year — 3 years | Yes | Yes (5yr) | ||
🇩🇪 Germany | Self-Employment Residence Permit for Business Founders | — | — | — | No fixed statutory minimu... | 1 year — 3 years | Yes | — | ||
🇩🇪 Germany | Settlement Permit for Highly Qualified Professionals | — | — | — | — | Permanent | Yes | Yes (5yr) | ||
🇬🇷 Greece | Digital Nomad Visa | €3,500 / month | — | — | — | 1 year — 2 years | Yes | Yes | ||
🇬🇷 Greece | Golden Visa (Permanent Residence Permit for Investor) | — | €400,000 one-time | — | — | 5 years — Permanent | Yes | Yes (7yr) | ||
🇬🇷 Greece | Residence Permit for Financially Independent Persons | €3,500 / month | — | — | — | 3 years — Permanent | Yes | Yes (5yr) | ||
🇬🇷 Greece | Talent Visa | — | — | — | — | 1 year | Yes | Yes (7yr) | ||
🇬🇬 Guernsey | Guernsey Entrepreneur Visa | — | — | — | £200,000 one-time | 2 years — 5 years | Yes | Yes | ||
🇬🇬 Guernsey | Guernsey Investor Visa | — | £1,000,000 one-time | — | — | 2 years — 5 years | Yes | Yes | ||
🇭🇺 Hungary | Guest Investor Residence Permit | — | €250,000 one-time | — | — | 10 years | Yes | Yes | ||
🇭🇺 Hungary | Guest Self-Employment Residence Permit | — | — | — | No fixed capital requirem... | 1 year — 3 years | Yes | Yes | ||
🇭🇺 Hungary | White Card | €3,000 / month | — | — | — | 1 year — 2 years | No | — | ||
🇮🇸 Iceland | Long-Term Visa for Remote Work | ISK 1,000,000 / month | — | — | — | 90 days — 180 days | Yes | No | ||
🇮🇪 Ireland | Stamp 0 (Person of Independent Means) | €50,000 / year | — | — | — | 1 year | No | No | ||
🇮🇪 Ireland | Start-Up Entrepreneur Programme (STEP) | — | — | — | €50,000 one-time | 2 years — 5 years | Yes | Yes (5yr) | ||
🇮🇲 Isle of Man | Innovator Visa | — | — | — | £50,000 one-time | 3 years — Permanent | Yes | Yes | ||
🇮🇲 Isle of Man | Start-Up Visa | — | — | — | £945 one-time | 2 years | Yes | No | ||
🇮🇹 Italy | Digital Nomad Visa | €24,789 / year | — | — | — | 1 year | Yes | Yes (5yr) | ||
🇮🇹 Italy | Elective Residence Visa | €32,000 / year | — | — | — | 1 year — 2 years | Yes | Yes (10yr) | ||
🇮🇹 Italy | Investor Visa for Italy | — | €250,000 one-time | — | — | 2 years — 3 years | Yes | Yes (10yr) | ||
🇮🇹 Italy | Italia Startup Visa | — | — | — | €50,000 one-time | 1 year — 2 years | Yes | Yes (10yr) | ||
🇯🇪 Jersey | High Value Residency Programme | — | £3,500,000 one-time | — | — | Permanent | Yes | Yes | ||
🇽🇰 Kosovo | Self-Employment Work Permit | — | — | — | No fixed minimum capital.... | 1 year — 5 years | Yes | — | ||
🇱🇻 Latvia | Investor Residence Permit | — | €50,000 one-time | — | — | 5 years | Yes | Yes | ||
🇱🇻 Latvia | Long-Stay Visa for Remote Work | €4,213 / month | — | — | — | 1 year — 2 years | No | Yes | ||
🇱🇻 Latvia | Startup Visa | — | — | — | €2,800 one-time | 3 years | Yes | Yes | ||
🇱🇻 Latvia | Temporary Residence Permit for Pensioners | €1,231 / month | — | — | — | 5 years | Yes | — | ||
🇱🇮 Liechtenstein | Residence Permit Without Gainful Employment | CHF 100,000 / year | — | — | — | 1 year | Yes | Yes | ||
🇱🇹 Lithuania | Startup Visa | — | — | — | €1,000 one-time | 1 year — 2 years | Yes | Yes (10yr) | ||
🇱🇺 Luxembourg | Investor Residence Permit | — | €500,000 one-time | — | — | 3 years | Yes | Yes (5yr) | ||
🇱🇺 Luxembourg | Job Seeker Authorisation | — | — | Must prove sufficient res... | — | 9 months | No | — | ||
🇱🇺 Luxembourg | Residence Permit for Private Reasons | €2,704 / month | — | — | — | 3 years | Yes | Yes (5yr) | ||
🇱🇺 Luxembourg | Self-Employed Worker Residence Permit | — | — | — | No fixed minimum — adequa... | 3 years — 5 years | Yes | — | ||
🇲🇹 Malta | Global Residence Programme | €15,000 / year | — | — | — | 1 year — Permanent | Yes | Yes | ||
🇲🇹 Malta | Malta Permanent Residence Programme | — | €68,000 one-time | — | — | Permanent | Yes | Yes (5yr) | ||
🇲🇹 Malta | Malta Retirement Programme | €7,500 / year | — | — | — | 1 year — Permanent | Yes | No | ||
🇲🇹 Malta | Nomad Residence Permit | €42,000 / year | — | — | — | 1 year — 4 years | Yes | No | ||
🇲🇹 Malta | Startup Residence Programme | — | — | — | €25,000 one-time | 3 years — 8 years | Yes | Yes (5yr) | ||
🇲🇹 Malta | The Residence Programme | €15,000 / year | — | — | — | 1 year — Permanent | Yes | Yes | ||
🇲🇹 Malta | United Nations Pensions Programme | €10,000 / year | — | — | — | 1 year — Permanent | Yes | Yes | ||
🇲🇩 Moldova | Digital Nomad Visa | €2,535 / month | — | — | — | 2 years | Yes | Yes | ||
🇲🇩 Moldova | Investment Residence Permit | — | €27,000 one-time | — | — | 2 years — 8 years | Yes | Yes (8yr) | ||
🇲🇨 Monaco | Residence Permit for Persons Without Professional Activity | No fixed minimum. Applica... | — | — | — | 1 year — Permanent | Yes | Yes (10yr) | ||
🇲🇪 Montenegro | Digital Nomad Residence Permit | €2,010 / month | — | — | — | 2 years — 4 years | Yes | Yes | ||
🇲🇪 Montenegro | Temporary Residence and Work Permit for Entrepreneurs | — | — | — | No minimum capital requir... | 1 year | Yes | Yes (10yr) | ||
🇲🇪 Montenegro | Temporary Residence Permit for Property Owners | — | €150,000 one-time | — | — | 1 year | Yes | Yes | ||
🇳🇱 Netherlands | Orientation Year Residence Permit | — | — | — | — | 1 year | Yes | — | ||
🇳🇱 Netherlands | Startup Residence Permit | — | — | — | €1,735 / month | 1 year | Yes | Yes (5yr) | ||
🇲🇰 North Macedonia | Personal Work Permit for Self-Employment | — | — | — | No fixed minimum; must de... | 1 year — 3 years | Yes | Yes (8yr) | ||
🇳🇴 Norway | Self-Employment Residence Permit | — | — | — | No fixed capital requirem... | 1 year | Yes | — | ||
🇵🇹 Portugal | D7 Passive Income Visa | €920 / month | — | — | — | 2 years — Permanent | Yes | Yes (5yr) | ||
🇵🇹 Portugal | D8 Digital Nomad Visa | €3,680 / month | — | — | — | 1 year | Yes | Yes (10yr) | ||
🇵🇹 Portugal | Digital Nomad Residence Permit | €3,680 / month | — | — | — | 2 years — Permanent | Yes | Yes (5yr) | ||
🇵🇹 Portugal | Golden Visa | — | €500,000 one-time | — | — | 2 years — Permanent | Yes | Yes (5yr) | ||
🇵🇹 Portugal | Job Seeker Visa | — | — | €760 / month | — | 120 days — 180 days | No | — | ||
🇵🇹 Portugal | Residence Permit for Highly Qualified Activity | €2,157 / month | — | — | — | 2 years — Permanent | Yes | Yes (7yr) | ||
🇵🇹 Portugal | StartUP Visa | — | — | — | €6,446 one-time | 2 years — Permanent | Yes | Yes (5yr) | ||
🇷🇴 Romania | Digital Nomad Visa | €5,650 / month | — | — | — | 6 months — 1 year | No | — | ||
🇷🇴 Romania | Long-Stay Visa for Commercial Activities | — | — | — | €100,000 one-time | 1 year — 3 years | Yes | — | ||
🇷🇺 Russia | Impatriation Residence Permit | — | — | — | — | 3 years — Permanent | Yes | Yes | ||
🇷🇺 Russia | Investor Residence Permit | — | RUB 15,000,000 one-time | — | — | Permanent | Yes | Yes (5yr) | ||
🇸🇲 San Marino | Atypical Residence for Pensioners | €120,000 / year | — | — | — | 10 years — Permanent | Yes | — | ||
🇸🇲 San Marino | Elective Residence | — | €500,000 one-time | — | — | 10 years — Permanent | Yes | Yes (30yr) | ||
🇸🇲 San Marino | High-Tech Startup Residence | — | — | — | €1 one-time | 1 year — Permanent | Yes | — | ||
🇷🇸 Serbia | Investor Temporary Residence Permit | — | €50,000 one-time | — | — | 6 months — 3 years | Yes | Yes | ||
🇷🇸 Serbia | Property Ownership Temporary Residence Permit | — | Ownership of residential ... | — | — | 3 years | Yes | Yes | ||
🇷🇸 Serbia | Startup Temporary Residence Permit | — | — | — | — | 1 year — 3 years | Yes | — | ||
🇷🇸 Serbia | Talent Temporary Residence Permit | — | — | — | — | 1 year — 3 years | Yes | — | ||
🇸🇰 Slovakia | Temporary Residence for Business Purpose | — | — | — | €28,413 one-time | 3 years | Yes | — | ||
🇸🇮 Slovenia | Temporary Residence Permit for Digital Nomads | €3,222 / month | — | — | — | 1 year | Yes | — | ||
🇸🇮 Slovenia | Temporary Residence Permit for Other Justified Reasons | €494 / month | — | — | — | 1 year | Yes | Yes (10yr) | ||
🇪🇸 Spain | Entrepreneur Visa | — | — | — | — | 1 year — 3 years | Yes | Yes (10yr) | ||
🇪🇸 Spain | International Telework Visa | €2,849 / month | — | — | — | 1 year — 3 years | Yes | Yes (10yr) | ||
🇪🇸 Spain | Non-Lucrative Residence Visa | €2,400 / month | — | — | — | 1 year — 2 years | Yes | Yes (10yr) | ||
🇸🇪 Sweden | Residence Permit for Job Seeking | — | — | Must prove sufficient fun... | — | 9 months — 1 year | Yes | — | ||
🇸🇪 Sweden | Residence Permit for Highly Qualified Persons | — | — | — | — | 9 months | No | — | ||
🇸🇪 Sweden | Self-Employment Residence Permit | — | — | — | SEK 200,000 one-time | 1 year — 2 years | Yes | — | ||
🇨🇭 Switzerland | Residence Permit Without Gainful Employment | CHF 25,200 / year | — | — | — | 1 year — 5 years | Yes | Yes (10yr) | ||
🇺🇦 Ukraine | Immigration Permit for Highly Qualified IT Specialists | — | — | — | — | Permanent | Yes | Yes (5yr) | ||
🇺🇦 Ukraine | Immigration Permit for Investors | — | $100,000 one-time | — | — | Permanent | Yes | Yes | ||
🇺🇦 Ukraine | Temporary Residence Permit for Investors | — | €100,000 one-time | — | — | 2 years | No | — | ||
🇬🇧 United Kingdom | Global Talent Visa | — | — | — | — | 1 year — 5 years | Yes | Yes (4yr) | ||
🇬🇧 United Kingdom | High Potential Individual Visa | — | — | — | — | 2 years — 3 years | Yes | — | ||
🇬🇧 United Kingdom | Innovator Founder Visa | — | — | — | No minimum investment req... | 3 years — Permanent | Yes | Yes (4yr) |