Czech Republic vs Montenegro Digital Nomad Visa: Which Is Right for You?

The short version

Montenegro grants a longer initial stay (24 months vs 12), and it is renewable.
Only Czech Republic offers a direct path to permanent residence on this permit.
Tax treatment differs: Czech Republic — standard resident taxation; Montenegro — foreign income exempt. Tax outcomes depend heavily on personal circumstances.

Side-by-side comparison of the Czech Republic Zivno and the Montenegro DNV.
Criteria	Czech Republic Zivno	Montenegro DNV
Minimum income / month	No fixed threshold	€1,800
Income basis	Savings accepted	Mixed (salary, freelance or savings)
Initial duration	1 year	2 years (better)
Renewable	Yes	Yes
Maximum total stay	1 year	4 years
Path to permanent residence	Yes (better)	No
Path to citizenship	Via permanent residence	No
Family inclusion	Yes	Yes
Working for local clients	Allowed	Not allowed
Tax treatment	Standard resident taxation (Flat-rate (paušální daň) for OSVČ)	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	≈ €200	≈ €47 (better)
Where to apply	Embassy / consulate	In country, Embassy / consulate
Processing time	13–17 weeks	6–8 weeks

Green values mark the objectively better number in that row.

Full guide

Czech Republic Zivno →

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.