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Head to head

Montenegro vs Namibia: the digital nomad visas compared

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

The short version

  • Namibia has the lower entry bar: €1,720 per month versus €1,800 for Montenegro.
  • Montenegro grants a longer initial stay (24 months vs 6), and it is renewable.
  • Tax treatment differs: Montenegro — foreign income exempt; Namibia — territorial taxation. Tax outcomes depend heavily on personal circumstances.
Side-by-side comparison of the Montenegro DNV and the Namibia DNV.
Criteria Montenegro DNV Namibia DNV
Minimum income / month €1,800 €1,720 (better)
Income basis Mixed (salary, freelance or savings) Mixed (salary, freelance or savings)
Initial duration 2 years (better) 6 months
Renewable Yes (better) No
Maximum total stay 4 years 6 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 Foreign income exempt (Digital-nomad foreign-income exemption (Personal Income Tax Law; commonly cited as Art. 32d)) Territorial taxation
Health insurance Required (explicit), min. €30,000 Required (explicit)
Insurance duration required Full visa period Full visa period
Application fee ≈ €47 (better) ≈ €175
Where to apply In country, Embassy / consulate Online
Processing time 6–8 weeks 2–4 weeks

Green values mark the objectively better number in that row.

Full guide

Montenegro DNV →

Requirements, application steps, insurance and sources.

Full guide

Namibia 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 Montenegro → Insurance for Namibia →

Sources