Category Archives: Visa Consultancy

Canada Start-Up Visa 2026: Designated Organization Rules African Founders Must Know

The Canada Start-Up Visa 2026 remains one of the most generous founder-immigration routes in the developed world — it grants permanent residence on arrival, not after years of conditional status. For African entrepreneurs with a defensible idea, the real challenge is not Immigration, Refugees and Citizenship Canada (IRCC) but securing a Letter of Support from a Designated Organization. That single document is what unlocks the visa, and almost everything else flows from it.

How the Canada Start-Up Visa 2026 route is structured

IRCC operates the Start-Up Visa Program (SUV) under section 14.1 of the Immigration and Refugee Protection Act. Unlike Canada’s Express Entry, which scores you on age, education and language, the SUV is essentially a venture-backed pathway: a Designated Organization (DO) decides whether your business is worth backing, and that decision drives the permanent-residence application.

A Designated Organization is one of three types — venture capital fund, angel investor group, or business incubator. IRCC publishes the full list and updates it periodically. The investment threshold depends on the DO type:

  • Venture capital fund: minimum CAD $200,000 committed investment
  • Angel investor group: minimum CAD $75,000 committed investment
  • Business incubator: no minimum capital, but acceptance into the program is required

Up to five co-founders can be named on a single Letter of Support, each receiving their own permanent residence. That makes the SUV unusually attractive for African co-founder teams — a Nigerian-Ghanaian-Senegalese trio building a single SaaS product can all land in Toronto as permanent residents.

Who actually qualifies for the Canada Start-Up Visa 2026

Beyond the Letter of Support, IRCC checks four baseline requirements. Get any of these wrong and the file is refused regardless of how strong your DO endorsement is.

  • Language: CLB 5 in English or French — tested via IELTS General, CELPIP General, TEF Canada or TCF Canada
  • Education: at least one year of post-secondary study (a Nigerian OND or Ghanaian HND counts; a WAEC alone does not)
  • Settlement funds: proof that you can support yourself and dependants on arrival — the table is published on the IRCC site and updated annually
  • Ownership: each named applicant must hold at least 10% of voting shares in the qualifying business; together, the named applicants plus the DO must hold more than 50%

A Tanzanian co-founder who lands a tech incubator acceptance but cannot prove CLB 5 English will be refused. So will a Cameroonian founder who completed a francophone Master’s degree but cannot show settlement funds. None of these are visible from outside — you have to plan them in.

Choosing the right Designated Organization in 2026

The Designated Organization is doing two jobs at once: telling IRCC that your business is real, and committing actual money or program capacity to it. That means a DO that says yes is also saying yes to its own balance sheet, which is why most DOs reject more applications than they accept.

Incubator-route DOs are usually the gentler entry point for African founders — there is no capital commitment and the bar is operational readiness rather than venture-grade growth. Angel and VC routes are harder but more prestigious and signal stronger growth potential to future investors.

When shortlisting DOs, ask:

  • How many SUV applicants have you supported in the last 24 months?
  • What is your refusal rate at the IRCC stage (i.e. cases where you issued a Letter of Support but IRCC still refused)?
  • Do you charge a fee or take equity for issuing a Letter of Support?
  • Will you require relocation to a specific province or city?

A Kenyan healthtech founder who picked an Ontario-based incubator without checking the equity-stake question ended up giving 8% of the company away before the visa was even granted. Read the term sheet.

Want a shortlist of Designated Organizations that actually fit your sector? Travel Explore screens DOs and reviews your business plan before you commit — https://linktr.ee/travelexpore

Documents, processing time and the Canada Start-Up Visa 2026 timeline

Once you have a Letter of Support, the IRCC permanent residence application is a paper exercise. The main file includes:

  • Letter of Support from your DO (the keystone)
  • Commitment Certificate (the DO files this directly with IRCC)
  • Proof of language test results valid within 2 years
  • Educational Credential Assessment (ECA) for foreign credentials
  • Settlement funds proof — a 6-month statement from a recognised bank
  • Police clearance from every country you have lived in for 6+ months since age 18
  • Upfront medical examination from an IRCC panel physician
  • Biometrics enrolment (CAD $85 fee per applicant)

IRCC’s published service standard for SUV permanent residence is 32 months from receipt of a complete application, although faster turnarounds have been seen in early 2026 as the program backlog clears. A complementary Work Permit is available so you can travel and start operating the business while the PR application is pending. Most African applicants use the Work Permit so they are not sitting at home for two-plus years waiting for paperwork.

After permanent residence: keeping the business alive

Once PR is granted, IRCC does not impose hard milestones on the business itself. Unlike the UK Innovator Founder route, you are not required to hit revenue or hiring targets to keep your status. The business can fail, pivot, or be sold — your permanent residence remains valid as long as you meet the standard residency obligation (730 days inside Canada per 5-year period).

That is also why IRCC scrutinises “business essentiality” on the way in. The agency can refuse if it believes the venture is a paper company set up purely to qualify for PR — this is the so-called “not-genuine business” refusal ground. A South African founder whose business plan looked unfunded and whose DO had supported 40 other applicants in 12 months had her file refused on this basis in 2024. The remedy is to make the business visibly real before the PR application: incorporate, open a Canadian bank account, run a website, log founder activity.

Frequently asked questions about the Canada Start-Up Visa

How long does the Canada Start-Up Visa 2026 take to process?

IRCC’s published service standard is 32 months for permanent residence, but applicants often get a complementary Work Permit within 4–6 months so they can move and operate the business while PR is pending.

Can I bring my family on a Canada Start-Up Visa?

Yes. Spouses and dependent children under 22 are included in the principal applicant’s permanent residence file. The spouse can work in any role on arrival and children can attend public school.

Do I need to live in the same province as my Designated Organization?

You are not formally tied to the DO’s province on the PR document. However, some DOs (especially incubators) require physical presence in their region for program participation, so check the contract before signing.

What happens if my business fails after I get permanent residence?

Your permanent residence is not contingent on business performance after landing. As long as you meet Canada’s standard residency obligation (730 days in a 5-year window), the PR stays valid even if the business closes or pivots.

Can I switch from Express Entry to the Canada Start-Up Visa 2026?

You cannot switch mid-application, but you can withdraw an Express Entry profile and apply under SUV if you have a Letter of Support. The two streams are separate.

Quick recap

  • The Canada Start-Up Visa 2026 grants permanent residence on arrival, not after a probation period
  • Up to five co-founders can be named on a single Letter of Support
  • Incubator-route DOs require no capital but are operationally demanding
  • Language (CLB 5) and one year of post-secondary education are non-negotiable
  • A Work Permit is available while PR is pending — use it

Ready to take the next step?

The Canada Start-Up Visa 2026 is one of the few founder routes in the world that grants permanent residence on arrival, but the Designated Organization gate is unforgiving. Travel Explore helps African founders pick the right DO, prepare a defensible business plan, and assemble the IRCC file. Book at https://linktr.ee/travelexpore.

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  • Canada Start-Up Visa hands you PR on day one. The catch? You need a Letter of Support first.
  • Up to 5 African co-founders can land Canadian PR on a single Start-Up Visa application.
  • Why most Canada Start-Up Visa refusals happen before IRCC even sees the file.

UK Innovator Founder Visa 2026: A Step-by-Step Guide for African Entrepreneurs

The UK Innovator Founder Visa 2026 remains the Home Office’s flagship route for founders building genuinely new, scalable businesses on British soil. Unlike the old Tier 1 Entrepreneur visa, the Innovator Founder route does not require a fixed £50,000 investment from your own pocket — it requires an endorsement letter from a Home Office–approved body that genuinely believes your business is innovative, viable and scalable. That single difference changes what good preparation looks like for an African founder, and it is where most applications fall apart.

How the UK Innovator Founder Visa 2026 actually works

Introduced in April 2023 to replace the old Innovator and Start-Up routes, the Innovator Founder Visa lets non–UK entrepreneurs come to the UK on a three-year initial leave with the goal of running a single new business. The visa is renewable, and after three continuous years you can apply for indefinite leave to remain provided your business meets the Home Office’s “contribution” criteria — revenue, jobs created, customers signed or investment raised.

Two things make this visa unusual. First, there is no minimum investment threshold written into the rules — an endorsing body can approve a business plan that needs £5,000 or £500,000, depending on the sector. Second, the gatekeepers are not Home Office caseworkers but private endorsing bodies that sign off on innovation, viability and scalability. The Home Office still issues the visa, but it relies on the endorsement letter as the substantive merits check.

For African founders, this is a double-edged sword. The route is cheaper to enter than Canada’s Start-Up Visa or France’s Pass Talent, but the endorsement gate is real — most refusals trace back to a business plan that the endorser could not defend.

  • Visa length: 3 years initial, extendable in 3-year blocks
  • Investment minimum: No fixed threshold; set by endorser
  • Endorsement: Required from a Home Office–approved body
  • Path to ILR: 3 years if business meets contribution criteria
  • Dependants: Spouse and children under 18 can join

The three tests every Innovator Founder business plan must pass

Endorsing bodies score every business plan against the Home Office’s three statutory tests: innovation, viability and scalability. Get one of these wrong and your endorsement is refused, which means the UK Innovator Founder Visa 2026 application never reaches a Home Office caseworker.

Innovation means your business idea is genuinely new, not just a copy of something already trading in the UK. A Ghanaian founder pitching a fintech app that does what Revolut and Monzo already do will fail this test. The endorser wants to see a defensible product, a real market gap, and ideally some intellectual property or technical edge.

Viability means the founder has the skills, experience and market understanding to actually run the business, and the financial plan is realistic. If your projections show £5m revenue in year two with no marketing budget, the endorser will reject the plan.

Scalability means the business can grow beyond the founder — it can hire UK staff, expand to multiple cities or export. A coffee shop, a single restaurant, or a one-person consulting business almost never passes this test, regardless of how well written the plan is.

A Lagos-based fintech founder building a remittance corridor for the UK–Nigeria diaspora can pass all three tests if the product has a real technical differentiator (faster settlement, better FX, a regulated angle) and the plan shows hiring and expansion milestones. A consulting practice cannot.

Documents you must prepare before applying for the UK Innovator Founder Visa 2026

The document bundle for this route is heavier than most because the endorser needs evidence to defend their decision if the Home Office audits it. Build the bundle in this order:

  • A detailed business plan (15–30 pages) covering market, product, financials, team and milestones
  • CV showing relevant experience and any prior business operations
  • Proof of English at CEFR B2 (IELTS for UKVI, degree taught in English, or accepted equivalents)
  • Personal maintenance funds: £1,270 held for 28 consecutive days if applying from outside the UK
  • Tuberculosis test certificate (required for applicants from most African countries)
  • Passport with at least one blank page
  • Endorsement letter from an approved body (the deal-maker document)

Two things to flag for African applicants. The maintenance funds requirement is per applicant — a founder with a spouse and two children needs to show personal funds plus an additional per-dependant amount as set by the latest Home Office rules. And the TB test must be done at a UKVI-approved clinic in your country; old test certificates from non-approved labs are routinely rejected.

Not sure which endorsing body matches your business idea? Talk to Travel Explore before you spend on fees — https://linktr.ee/travelexpore

Picking the right endorsing body in 2026

When the Home Office overhauled this route in 2023, it shrank the list of approved endorsing bodies dramatically. The current approved list is published on gov.uk and changes occasionally. Picking the right body matters because each has its own focus — some specialise in fintech, others in deep tech, life sciences, or sustainability.

Endorsement fees are not regulated, and they range from roughly £1,000 to £3,000 for the initial assessment, with annual contact-point fees on top. Ask three questions before paying any endorser:

  • What is your approval rate for African founders specifically?
  • Do you specialise in my sector? (No is fine; vague yes is a red flag)
  • What documents will you ask me to produce? (Vague answers usually mean a vague review)

We have seen Travel Explore clients pay an endorsement fee and then receive a one-page letter that the Home Office case worker dismissed as “insufficient evidence of innovation”. Quality of endorsement letter matters as much as the fact of getting one.

After arrival: contact points, milestones and the road to ILR

Once you are in the UK on the Innovator Founder Visa, the endorsing body holds two formal contact points with you at 12 and 24 months. At each meeting they check whether the business is broadly tracking the milestones you committed to in the original plan. Miss those checks or pivot wildly without telling the endorser, and they can withdraw endorsement — which curtails your leave.

For indefinite leave to remain after three years, your business needs to hit at least two of seven contribution criteria. The most commonly used are: at least £50,000 invested into the business, ten or more UK jobs created, £1m+ revenue with £500k from exports, or significant customer growth. A Kenyan founder building a B2B SaaS who has hired five UK staff and reached £400k in revenue is usually safe on ILR.

Failure to meet contribution criteria at the 3-year point does not automatically end your UK life — you can extend the visa another 3 years and try again, but you cannot stack contributions across periods, so plan carefully.

Frequently asked questions about the UK Innovator Founder Visa

How much money do I need for the UK Innovator Founder Visa 2026?

There is no fixed investment minimum in the rules. The endorsing body decides what is enough for your specific business plan. Some plans pass with £10,000; others need £200,000. You also need personal maintenance funds (currently £1,270 held for 28 days) plus per-dependant amounts.

Can my spouse work on a UK Innovator Founder Visa dependant visa?

Yes. Spouses on Innovator Founder dependant visas can work in any role, including being employed by your own business. Children under 18 can attend state schools.

Which endorsing bodies have the highest approval rates for African founders?

Approval rates are not published, so ask each endorser directly. Bodies that specialise in your sector (fintech, health, sustainability) tend to deliver stronger letters than generalists. Travel Explore can shortlist endorsers based on your business model.

Can I bring my UK Innovator Founder business to a different city after arrival?

Yes. The route does not tie you to a specific UK city or region. You can base in London, Manchester, Edinburgh, Cardiff or anywhere else, and you can pivot location later as long as the business remains broadly aligned with the endorsed plan.

What happens if my endorsing body withdraws endorsement mid-visa?

You have 60 days to either get re-endorsed by another approved body or apply to switch to a different visa route. Otherwise, your leave is curtailed and you must leave the UK or risk overstaying.

The bottom line

  • The UK Innovator Founder Visa 2026 has no fixed investment minimum — the endorser sets the bar
  • Endorsement is the real gatekeeper; pick a body that knows your sector
  • Innovation, viability and scalability are scored independently — weak on any one and you fail
  • Dependants can join; spouse can work in any role, children study state-funded
  • ILR after 3 years requires hitting two of seven contribution criteria — plan from day one

Apply with confidence

A well-prepared UK Innovator Founder Visa 2026 application starts with a defensible business plan and the right endorsing body. Travel Explore reviews plans case-by-case before submission, screens endorsers for your sector, and helps you build the document bundle the Home Office actually reads. Start at https://linktr.ee/travelexpore.

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  • You don’t need £50,000 in the bank to apply for the UK Innovator Founder Visa — here’s what you actually need.
  • Most UK Innovator Founder Visa refusals never reach the Home Office. The endorser kills the plan first.
  • African founders: a UK Innovator Founder Visa can be cheaper than Canada’s Start-Up Visa. Here’s the math.

UK Spouse Visa 2026: Bringing Your Partner Under the New Income Rules

Bringing a partner to Britain in 2026 is harder than it was in 2023, but it is far from impossible. The UK Spouse Visa 2026 still hangs on the minimum income requirement (MIR), the English language test, and a complete Appendix FM-SE evidence bundle. The Home Office held the MIR at £29,000 in its April 2026 review — the second increase from the 2024 reset — but did not push it to the £38,700 figure originally proposed. For African couples the path therefore narrows but remains open.

UK Spouse Visa 2026 in one snapshot

You qualify if you are married to, in a civil partnership with, or in a durable unmarried relationship of at least two years with a British citizen, ILR holder, settled person, or refugee. Initial leave is granted for 30 months and is followed by a 30-month extension. After 5 years of continuous residence on the spouse route, you can apply for Indefinite Leave to Remain. From there, citizenship is one further year on ILR. Per Home Office statistics, around 38,000 spouse visas were issued globally in 2025; African nationals received around 11% of grants. The gov.uk partner visa page is the canonical source.

Proving the £29,000 financial requirement

The MIR can be met in five ways: (a) the sponsor’s salaried employment income (Cat A or Cat B), (b) self-employment income with last full financial year accounts (Cat F or G), (c) non-employment income such as rental or pension (Cat C/E), (d) cash savings above £88,500 held for 6+ months (Cat D), or (e) a combination of the above (with strict combination rules). For most African couples, the British sponsor uses Cat A — salaried income of at least £29,000 in the last 6 months held with the same employer.

A Nigerian-British couple where the British partner earns £32,500 gross in stable employment clears the threshold comfortably. The same couple where the British partner is freelance must pivot to Cat G and supply HMRC SA302s, full statements and tax returns covering the most recent complete financial year.

Building the Appendix FM-SE bundle

Appendix FM-SE specifies exactly which documents prove which income source. For Cat A salary: 6 months of payslips, 6 months of bank statements showing the salary credits, a letter from the employer confirming role, start date, gross annual salary, and a P60 if available. Substitutions are not allowed — a screenshot of online banking will not pass; you need official printed statements or PDFs downloaded from the bank’s portal. Travel Explore’s UK visa services page lists the exact substitution rules.

For the relationship itself, gather: marriage or civil partnership certificate, evidence of cohabitation (joint tenancy, utility bills, council tax statements in both names), photos across multiple events and locations, travel itineraries, and statements of communication. A Ghanaian-British couple who married six months ago should expect more communication-and-visits evidence and less cohabitation evidence, and frame the relationship genuineness narrative accordingly.

Need a second pair of eyes on your application? Travel Explore can review it — https://linktr.ee/travelexpore

English language and accommodation evidence

The applicant must prove English at A1 (CEFR) for the initial application, B1 for ILR. Approved tests: IELTS Life Skills A1 or B1, Trinity College London, LanguageCert, Pearson PTE Home. Test centres in Lagos, Accra, Nairobi, and Johannesburg run weekly. Accommodation evidence is a tenancy agreement or property deeds in the UK sponsor’s name plus a property inspection report showing the home is large enough and free of overcrowding under the Housing Act standards.

  • Valid passport for both partners
  • Marriage or civil partnership certificate
  • Sponsor’s payslips, bank statements, employer letter (Cat A)
  • IELTS Life Skills A1 certificate for applicant
  • UK accommodation evidence: tenancy or deeds + inspection report
  • TB test from IOM-approved clinic

Frequently asked questions about UK Spouse Visa 2026

Has the UK Spouse Visa 2026 income threshold gone up to £38,700?

No. The Home Office paused the planned increase. The threshold remains £29,000 in 2026 with no per-child uplift required.

Can we combine my income and my partner’s?

Only after the foreign partner is in the UK with permission to work. For the initial application, only the British sponsor’s income counts, unless the foreign partner already holds work-permitted leave.

Does the relationship need to be officially registered?

Marriage and civil partnership qualify directly. Unmarried partners qualify after two years of cohabitation, evidenced by joint financial and household records.

What is the processing time?

15 working days for priority service (additional £500 fee) or 12 weeks for standard service from most African UKVI centres in 2026.

Can I work in the UK on a Spouse Visa?

Yes. UK Spouse Visa 2026 holders have unrestricted work rights, can be self-employed, and can study without further permission.

The bottom line

  • UK Spouse Visa 2026 income threshold remains £29,000 (held, not increased to £38,700)
  • Appendix FM-SE evidence rules are unforgiving — bank statements must be official
  • English at A1 for entry, B1 for ILR after five years on the route
  • Unmarried partners need two years of registered cohabitation evidence
  • ILR after 5 years and British citizenship after 6 on the UK Spouse Visa 2026 ladder

Apply with confidence

Get expert help with your UK Spouse Visa 2026 application — https://linktr.ee/travelexpore

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  • The Appendix FM-SE evidence pack that 9 in 10 applicants get wrong
  • A1 English plus £29,000 plus a marriage certificate — the UK partner formula

Spain Digital Nomad Visa 2026: Updated Requirements for African Remote Workers

Spain has quietly become the most attractive destination for African remote workers in Europe. The Spain Digital Nomad Visa 2026 — introduced under the Startup Law in late 2023 — lets non-EU nationals live in Spain while continuing to earn from clients or employers based outside the country. The income threshold is reachable, the tax regime under the Beckham Law is generous, and family members join under the same application. For a Lagos-based software engineer billing US clients, this is the single cleanest move to European residence on a dollar income.

Spain Digital Nomad Visa 2026 in one snapshot

Three pillars: (1) you work for a non-Spanish employer or non-Spanish clients, (2) you earn at least 200% of the Spanish minimum wage (around €2,762/month gross in 2026), and (3) you carry comprehensive private health insurance for the duration of the visa. The initial visa is one year if applied from outside Spain or three years if applied as a residence card from inside Spain on a tourist visa. Renewals extend in two-year blocks, totalling up to five years before permanent residence eligibility.

The Spanish Ministry of Foreign Affairs publishes the full requirements at exteriores.gob.es.

The €2,762 income threshold and how to evidence it

Income evidence is where most African applicants over-prepare and still get refused. The consulate wants three things: (a) employment contract or services agreement at least 3 months old, (b) 90 days of bank statements showing the income hitting an account, and (c) a tax registration or sworn statement that the income comes from outside Spain. A Ghanaian remote worker earning USD 4,500/month gross from a US client clears the threshold comfortably, but only if the contract specifies remote work and the client is registered for at least 12 months.

For family applications, add €1,036 per dependant per month. So a family of three (applicant plus spouse plus child) needs €2,762 + 75% €2,072 (spouse) + 25% €691 (child) = roughly €4,800 monthly gross.

Beckham Law: paying 24% flat tax instead of 47%

The Beckham Law applies a flat 24% rate on Spanish-source income up to €600,000 for the first six years, instead of Spain’s progressive rates that top out at 47%. Digital Nomad Visa holders are explicitly eligible. You must apply for the Beckham regime within 6 months of registering with Spanish social security. The catch: under Beckham, foreign-source income is exempt but worldwide reporting still applies. A South African or Nigerian remote worker with a US client pays 24% on Spanish-source slice only; the bulk stays outside the Beckham tax base. Agencia Tributaria publishes the official Beckham forms.

Want a personalised eligibility check before you spend on visa fees? https://linktr.ee/travelexpore

Step-by-step application from Lagos, Accra or Nairobi

Step one: apostille and translate your university degree, criminal record, marriage certificate. Step two: book a BLS Spain appointment at the Spanish consulate. Step three: prepare your dossier — contract, bank statements, insurance certificate, income tax filing from your home country. Step four: submit at consulate and pay the €73 fee. Step five: wait 20-30 working days for the decision. Step six: collect your visa, fly to Spain, apply for a TIE residence card within 30 days of arrival.

A Kenyan UX designer remote-working for a Berlin agency is perfectly placed: contract evidence is rock solid, income is well above threshold, and the consulate in Nairobi is processing files inside 18 working days in 2026. The Travel Explore Spain visa services page has the document checklist.

  • Non-Spanish employer or client base
  • Minimum income of €2,762/month gross (200% of SMI)
  • Private health insurance valid Spain-wide
  • Apostilled university degree and criminal record
  • Beckham Law application within 6 months of arrival

Frequently asked questions about Spain Digital Nomad Visa 2026

Can I keep my employer outside Spain on the Spain Digital Nomad Visa 2026?

Yes. That is the entire point. The visa is explicitly designed for non-Spanish employers and clients. Less than 20% of your income may come from Spanish-based clients.

Does Spain count for the Schengen 90/180 rule?

No. Holding the Spain Digital Nomad Visa 2026 lets you live in Spain indefinitely and travel anywhere in the Schengen area without the 90/180 limit.

Can my family join?

Yes. Spouses (or de facto partners with 12 months of registered cohabitation) and dependent children apply under the same file with no separate visa.

Can I switch from a tourist visa to a Digital Nomad residence card?

Yes. Filing from inside Spain on a Schengen tourist entry gives you a three-year initial card rather than a one-year visa.

Does the Digital Nomad Visa lead to Spanish citizenship?

Yes, after 10 years of legal residence (or 2 years for nationals of Ibero-American countries, which does not apply to most African applicants).

What to remember

  • Spain Digital Nomad Visa 2026 needs €2,762/month gross and a non-Spanish employer
  • Beckham Law caps Spanish income tax at 24% for six years
  • Family members join on the same application without separate visas
  • Apply from inside Spain on a tourist entry for a three-year residence card on first issue
  • Permanent residence after five years and citizenship after ten on the Spain Digital Nomad Visa 2026 timeline

Start your Spain Digital Nomad Visa 2026 journey

If you’d rather not navigate this alone, Travel Explore handles it end-to-end: https://linktr.ee/travelexpore

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  • Spain will give you a 5-year residence card for a remote dollar paycheck
  • Beckham Law cuts your Spanish tax from 47% to 24%. Here is the math
  • The income threshold is just €2,762. African remote workers, this is your move