PDF guide · November 2026 edition
Panama Pensionado Visa Checklist 2026-2027
Everything Panama Immigration asks for to retire in Panama on the Pensionado visa, in the right order: who qualifies, a tick-box document checklist, apostille and translation, the step-by-step process, official costs and retiree discounts under the new Law 562 of 2026. In one 20-page PDF with every figure and its official source.
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What is inside
Do you qualify? in 1 minute
Lifetime pension of B/.1,000 (or B/.750 with a property over B/.100,000), couples, dependents and alternatives if you do not fit.
Document checklist
The official National Immigration Service list with tick boxes and practical notes, including private pensions and dependents.
Apostille and translation
Apostille or consular chain, authorized public translator, currency conversion and the Foreign Ministry stamp rule since March 2026.
Steps and timeline
8 steps in order and the legal terms for Immigration to decide or ask for corrections.
Official costs
What is published and what to confirm before paying, with the rule behind it, plus a budget template.
Retiree benefits
Law 6 of 1987 discounts, what changes with Law 562 of 2026, and Law 9 duty-free allowances (household goods and car).
Who it is for
- Retirees and pensioners planning to retire in Panama.
- Couples combining pensions to reach the minimum.
- Anyone who wants to arrive with documents ready and not pay twice for apostilles or translations.
- Families who need to know how dependents are handled.
Why this guide
- Every figure with its official source and date: Immigration, Official Gazette, Foreign Ministry and ACODECO (checked November 9, 2026).
- Includes Law 562 of 2026, which changes retiree discounts.
- Clearly flags what is not published as "to confirm", so you do not overpay.
- Templates to track documents, your file, budget and contacts.
Key figures
| Requirement | Official figure |
|---|---|
| Minimum lifetime pension | B/.1,000 a month |
| With a property over B/.100,000 | B/.750 a month |
| Per dependent | +B/.250 a month |
| Permit duration | Indefinite |
| Legal decision term | 60 business days |
Source: National Immigration Service PE2 requirements sheet and Decree-Law 3 of 2008, checked Nov 9, 2026. B/.1 = US$1.
Buy now · US$15Frequently asked questions
What are the Panama pensionado visa requirements?
A lifetime retirement pension from a foreign government, an international organization or a private company of at least B/.1,000 a month (B/.750 if you bought a property in your own name worth more than B/.100,000), plus B/.250 a month per dependent. It is filed through a lawyer with a power of attorney, photos, a certified passport copy, police record, health certificate, sworn statement and the pension certificate. The guide includes the full tick-box list.
Do I have to renew the retirement visa?
No. According to the National Immigration Service’s official sheet, the permit is indefinite and needs no renewal. It can be cancelled, for example, if a permanent resident is away for more than two years without authorization.
How long does it take?
Decree-Law 3 of 2008 gives Immigration up to 60 business days to decide and 15 business days to fix an incomplete application. Actual times may vary.
What discounts do retirees get in Panama?
Law 6 of 1987 gives, among others, 25% at restaurants and on airfares, 50% at hotels Monday to Thursday and 25% on electricity up to 600 kWh. Law 562 of 2026, effective six months after enactment, changes several percentages and adds internet, mobile and lab tests. The guide has the full table today and under Law 562.
Can my spouse and I combine our pensions?
Yes. Spouses may add their pensions to reach the B/.1,000 minimum; both pensions must then meet the requirements.
How do I get the guide?
When you pay on Hotmart you get instant access to the PDF in your purchases area and by email.
Is this legal advice?
No. It is an information guide with official data. Applications are filed through a lawyer; you can get guidance at Trámites Visa Panamá.
What language is it in?
English. It is also available in Spanish and Portuguese.
Prefer to have it handled?
Discuss your pensionado visa with our partner immigration lawyers, get official translations of your documents, or request a free home search. For the rest of your move, see the Moving to Panama Kit.
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Other languages: Español · Português
For information only: not legal, immigration, tax or insurance advice. Confirm requirements and amounts with the official entity before deciding or paying.
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