Full European Union Citizenship
Capital-Protected €500K Government Bond
Document-Driven, Advisor-Led Process
~120–160 Days Indicative Processing
Government-Authorised Agent since 2017
About the Program

EU Discretionary Naturalization Program

The EU Discretionary Naturalization Program is a structured pathway to European Union citizenship, supported by a minimum, discretionary €500,000 sovereign Government Bond with a 5-year tenor. It is presented as a discretionary public-benefit and national-interest route — not a "citizenship-by-investment" product — making it a legally distinct and credible pathway to full EU citizenship.

The bond is backed by Allianz, one of the world's largest financial services groups, and issued by an EU member state Ministry of Finance — providing capital protection for the bondholder throughout the term. VIMB working with a specialist legal team manage the entire process on the applicant's behalf.

This is an advisor-led, document-driven process targeting a processing timeframe of approximately 120–160 days from bond issuance and file readiness through to naturalization.

Legal Basis

The program operates under the national citizenship legislation of an EU member state, under a discretionary provision that enables the granting of citizenship to foreign nationals whose engagement delivers significant public benefit. Specific statutory references are provided in the written advisory brief.

Full EU CitizenshipLive, work, study and travel freely across all 27 European Union member states
Capital-Protected BondIndicative €500,000 sovereign Government Bond backed by Allianz — capital returned at maturity.
Document-Driven ProcessClear, structured pathway — advisor-led and consistent
~120–160 Days ProcessingFaster than most EU citizenship pathways — from file readiness to naturalization
180+ Visa-Free CountriesIncluding the USA, UK, Canada, Australia, and full Schengen Area access
Family Pathway IncludedQualifying family members receive permanent residency, leading to naturalization after 5 years
No Blanket Nationality RestrictionsApplicants are evaluated by screening outcomes — no automatic exclusions by nationality
The Bond Instrument

Capital-Protected by Design

Unlike contribution-based programs, this pathway involves a capital-protected government bond — your €500,000 (minimum) is held as a financial instrument to maturity, not as a donation. It is one of the most structurally sound citizenship pathways available.

Sovereign Government Bond
Issued directly by an EU member state Ministry of Finance — a sovereign-backed instrument with the full credit of the issuing Republic behind it.
Issued by an EU member state Ministry of Finance
Backed by Allianz
The bond is supported by Allianz, one of the world's largest and most trusted financial services and insurance groups — providing an additional layer of institutional credibility.
Allianz-backed instrument
Capital Protected
The minimum €500,000 principal is held to maturity and returned to the applicant at the end of the 5-year term plus a target 3% per annum interest on the bond. This is not a donation — it is a structured financial commitment.
€500,000 returned at maturity
Discretionary Public-Benefit Route
Structured as a discretionary public-benefit / national-interest pathway under the citizenship legislation of an EU member state — legally distinct from conventional "citizenship by investment" and grounded in the issuing state's Citizenship Act.
Discretionary provision — Citizenship Act
€500K
Bond amount (indicative)
5 yr
Bond tenor
Allianz
Bond backed by
Sovereign
Issued by MoF
Indicative Financial Structure

Planning Your Investment

All figures are indicative. Final amounts are confirmed in the written legal basis and fee schedule provided during the advisory engagement.

Important: All figures below are indicative planning assumptions. Final amounts must be confirmed in the written legal basis and fee schedule. Speak with a VIMB advisor for a personalised assessment.

Government Bond Subscription (indicative)
€500K
5-year tenor · Capital returned at maturity · Not a donation
Issued by an EU member state Ministry of Finance
Backed by Allianz
Capital-protected instrument
Held to maturity — principal returned

Fees & Costs (Indicative)

In addition to the bond subscription, the following fees apply. All amounts are indicative and subject to final confirmation.

Government fees ~€16,000
Ancillary official production costs ~€1,000
Advisor / Naturalization fee (variable) ~€235,000
Total fees (excl. bond) ~€252,000
Typical Payment Approach
1
Down-Payment on EngagementCovers onboarding, pre-checks, and file preparation to commence the process
2
Remaining Balance — Key MilestonesAligned to submission, bond issuance, and approval stages — exact schedule confirmed contractually
Application Process

End-to-End VIMB Support

VIMB and its specialist in-country legal team manage the entire process — from pre-checks and bond issuance through to naturalization and passport delivery.

~120–160 days indicative processing

Ready to Begin?

Speak to a VIMB advisor to assess your eligibility and receive a personalised overview of the process and timeline.

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1
Eligibility Assessment & Pre-Checks

VIMB conducts a confidential pre-check of your profile — KYC, source of funds, and due diligence readiness — to confirm eligibility before any formal commitment or payment is made.

2
Engagement, Onboarding & Down-Payment

Formal engagement is confirmed, service agreement signed, and the down-payment is made. File preparation begins — VIMB coordinates the full document checklist and initial compliance review.

3
Document Collection & File Preparation

VIMB collects and reviews all required civil documents — certified passport copy, police clearance, birth and marriage certificates as applicable, and source-of-funds documentation. All documents are reviewed for compliance before submission.

4
Bond Subscription & Issuance

The minimum €500,000 sovereign Government Bond is subscribed and issued in the applicant's name. The bond is backed by Allianz and issued by an EU member state Ministry of Finance. Capital is held to maturity and returned at the end of the 5-year term.

5
Application Submission & Due Diligence

The full naturalization application is submitted to the competent authorities of the issuing EU member state. Background, KYC, and source-of-wealth checks are conducted. VIMB coordinates all submissions and stakeholder management on the applicant's behalf.

6
Screening & Administrative Processing

Competent authorities conduct formal screening in accordance with the governing citizenship legislation. Timeline at this stage is subject to file quality, screening outcomes, and administrative timelines. Additional requirements may apply depending on workflow.

7
Naturalization Approval & Certificate Issuance

On approval, the citizenship certificate is issued to the principal applicant. Qualifying immediate family members simultaneously receive permanent residency, which leads to naturalization eligibility after 5 years.

8
Passport Issuance & Delivery

The EU passport is issued and delivered, granting the applicant full EU citizenship and all associated rights — including the right to live, work, and travel freely across all 27 EU member states.

Key Requirements

What You'll Need to Apply

The EU Discretionary Naturalization Program follows a clear, document-driven process. Requirements are straightforward and consistent — making it one of the more predictable EU citizenship pathways.

🔍 Due Diligence & KYC

Clean background and acceptable source-of-funds documentation is essential. VIMB prepares clients thoroughly before formal submission.

Clean due diligence profileBackground, reputation, and sanctions screening
Acceptable source of fundsDocumented proof of the origin of funds for bond subscription
PEPs assessed case-by-casePolitically exposed persons are reviewed individually — no blanket exclusion

📄 Civil Documents

Standard civil documentation is required to support the naturalization application. VIMB provides a full personalised checklist during onboarding.

Certified passport copyNotarised and apostilled where required
Police clearance certificateFrom country of residence and/or nationality
Birth & marriage certificatesAs applicable to the applicant's personal circumstances

💰 Financial Capacity

Applicants must demonstrate capacity to subscribe to the €500,000 Government Bond for the required 5-year term.

€500,000 bond subscriptionDemonstrable capacity and willingness to hold for the 5-year term
Advisor / naturalization fee~€235,000 (variable by circumstances) — covers legal, advisory, and in-country costs
Government fees~€16,000 plus ~€1,000 ancillary production costs (indicative)
Good to Know

Program Details

Restrictions & Important Notes

Key distinctions and conditions to understand before proceeding with the EU Discretionary Naturalization Program.

Not a "Citizenship by Investment" product — structured as a discretionary public-benefit / national-interest route under the governing citizenship legislation of the issuing EU member state.

No blanket nationality restrictions — all applicants are evaluated by screening outcomes rather than by country of origin.

PEPs assessed case-by-case — politically exposed persons are not automatically excluded but require additional scrutiny.

Program availability and internal policies are subject to government and advisor procedures — final eligibility is determined after pre-checks.

Indicative Timeframe

Processing times are indicative and subject to file quality, screening outcomes, and administrative scheduling.

Target processing: ~120–160 days — from bond issuance and file readiness through to naturalization steps

Timeline subject to file quality, screening outcomes, and administrative timelines at each stage

Additional administrative requirements may apply depending on individual workflow and circumstances

Family Pathway

The program is for the principal applicant only. However, qualifying family members have a clear and structured pathway to EU citizenship.

Family Pathway to EU Citizenship

Qualifying immediate family members — including the spouse — automatically receive EU permanent residency upon the principal applicant's naturalization.

1
Principal applicant naturalizes → Family receives permanent residency
2
Family holds permanent residency for 5 years
3
Family becomes eligible for naturalization → Full EU citizenship

Spouses wishing to apply simultaneously as principal applicants should apply separately under the same program.

Advisor Support — Included

VIMB and its specialist in-country legal team manage every element of the process, with a dedicated advisor at every stage.

Eligibility Assessment & Pre-ChecksKYC and due diligence readiness review before any formal commitment

Document Review & File PreparationFull review of all documentation before submission to avoid delays

Bond Issuance CoordinationManages the full bond subscription and issuance process with local in-country partners

End-to-End Stakeholder CoordinationLegal, administrative, and in-country execution through to passport delivery

Begin Your Assessment

Secure Your
European Union Citizenship
Through Discretionary Naturalization

A capital-protected bond, a clear document-driven process, and full EU citizenship in approximately 120–160 days. Speak with VIMB to assess your eligibility and begin your application.

🇪🇺
Full EU citizenship
180+
Visa-free countries
€500K
Minimum (discretionary) Govt Bond
Since 2017
VIMB authorised
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