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Head to head

Cape Verde vs Montenegro: the digital nomad visas compared

Partially verified Last verified June 15, 2026 Reviewed by Henry van de Vorming

The short version

  • Cape Verde has the lower entry bar: €1,500 per month versus €1,800 for Montenegro.
  • Montenegro grants a longer initial stay (24 months vs 6), and it is renewable.
Side-by-side comparison of the Cape Verde Remote Working Program and the Montenegro DNV.
Criteria Cape Verde Remote Working Program Montenegro DNV
Minimum income / month €1,500 (better) €1,800
Income basis Savings accepted Mixed (salary, freelance or savings)
Initial duration 6 months 2 years (better)
Renewable Yes Yes
Maximum total stay 1 year 4 years
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 Foreign income exempt (Remote Working Program tax exemption (foreign-source income)) Foreign income exempt (Digital-nomad foreign-income exemption (Personal Income Tax Law; commonly cited as Art. 32d))
Health insurance Required (explicit) Required (explicit), min. €30,000
Insurance duration required Full visa period Full visa period
Application fee ≈ €20 (better) ≈ €47
Where to apply Online In country, Embassy / consulate
Processing time 2 weeks 6–8 weeks

Green values mark the objectively better number in that row.

Full guide

Cape Verde Remote Working Program →

Requirements, application steps, insurance and sources.

Full guide

Montenegro DNV →

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 Cape Verde → Insurance for Montenegro →

Sources