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Head to head

Antigua and Barbuda vs Croatia: the digital nomad visas compared

Verified data Last verified June 10, 2026 Reviewed by Henry van de Vorming

The short version

  • Croatia has the lower entry bar: €3,622.50 per month versus €3,860 for Antigua and Barbuda.
  • Antigua and Barbuda grants a longer initial stay (24 months vs 18).
  • Tax treatment differs: Antigua and Barbuda — no personal income tax; Croatia — foreign income exempt. Tax outcomes depend heavily on personal circumstances.
Side-by-side comparison of the Antigua and Barbuda NDR and the Croatia DN.
Criteria Antigua and Barbuda NDR Croatia DN
Minimum income / month €3,860 €3,622.50 (better)
Income basis Mixed (salary, freelance or savings) Mixed (salary, freelance or savings)
Initial duration 2 years (better) 18 months
Renewable No Yes (better)
Maximum total stay 2 years 18 months
Path to permanent residence No No
Path to citizenship No No
Family inclusion Yes Yes
Working for local clients Not allowed Not allowed
Tax treatment No personal income tax Foreign income exempt (Digital nomad exemption, Income Tax Act Art. 9(1)(26))
Health insurance Required (explicit) Required (explicit)
Insurance duration required Full visa period Full visa period
Application fee ≈ €1,390 ≈ €46.45 (better)
Where to apply Online Online, Embassy / consulate, In country
Processing time 1–2 weeks —

Green values mark the objectively better number in that row.

Full guide

Antigua and Barbuda NDR →

Requirements, application steps, insurance and sources.

Full guide

Croatia DN →

Requirements, application steps, insurance and sources.

Don't forget insurance

Both programs have their own health-insurance rules — we match plans against each one's published requirement, with the evidence shown.

Insurance for Antigua and Barbuda → Insurance for Croatia →

Sources