Visas The Panama Visa Process - Our Experience Panama The Expat Life Visas
It feels great to be legal!

Becoming a legal resident is an important part of the expat experience in Panama. When we first arrived here two years ago, one of the first things we did was engage our attorneys, Miranda and Contreros in Boquete, for advice about getting our residency visa. There are a few options available, but we chose to wait until John could start collecting Social Security, which would give us the pension income we needed to apply for the pensionado visa. Why? The pensionado is less expensive and carries many financial advantages.

Driving Legally and the Tourist Stamp

Visitors without visas who arrive in Panama receive a “tourist” stamp, which entitles them to remain in the country for 180 days. The stamp also entitles you to drive using a valid license from your home country, but here’s the catch – the driving privilege is only good for 90 days. (FYI, only folks who hold a permanent visa or who have successfully submitted a visa application – and therefore hold the temporary six-month multiple entry visa – can apply for a Panama driver’s license. A so-called international driver’s license is not valid in Panama.)

Why the  90-day rule for driving vs. 180 days for tourist-ing? This being Panama, it’s probably because it involves two different government agencies: Immigration (for visas) and the Transit Authority (for driving).

When the 90 days is up, you have four choices:

1) Hop across the Panamanian border and re-enter the country to receive a new tourist stamp and thereby re-set the clock.

img_1056 The Panama Visa Process - Our Experience Panama The Expat Life Visas
The port of entry at Paso Canoas

Until recently, lots of expats – ourselves included – were able to do this with a quick “border hop” into Costa Rica (we did three border runs, documented herehere and here). But as of March 17 this year, border hops are now a much chancier proposition because the Panamanian government has started strictly enforcing its immigration laws — which have always required people to remain outside the country for at least 30 days before re-entry. These measures are primarily due to the huge influx of people from Venezuela and Colombia looking for employment in Panama, but they affect everyone who might try to abuse the system and remain a “perpetual tourist” (we know people who have hopped the border every 90 days for many years). Theoretically, border hops are still doable but you’ll be at the mercy of the border agent and how literal-minded that person feels about the rules on that particular day.

2) Hop on an airplane and fly to another country and back. Apparently, the new crackdown on border hops has mostly affected people who cross through the main two Costa Rica checkpoints at Pasa Canoas and Rio Sereno, not folks who fly in and out of Tocumen Airport. We ourselves flew to Mexico and back only a month ago and re-entry was a breeze – but we also had a month to go on our tourist stamps.

3) Stop driving after 90 days until you can leave the country and re-set the clock. On the advice of our attorney,  we did this for a month until two simultaneous things happened: we started our visa application and we flew to Mexico. It’s amazing how well we got by without our car, depending on buses, taxis, and our generous friends for rides.

4) Start your permanent visa application. This is, of course, the best option if you’re eligible — which brings us back to our visa application experience.

Which Visa and When?

When we came to Panama in 2015, we could have immediately applied for a Friendly Nations visa. The biggest reason to wait the two years (until John began collecting Social Security) and go for the pensionado was cost. Our legal fees for the pensionados will cost about $2,400 for both of us, but the Friendly Nations would have cost about twice that.

Also, waiting two years meant we could be eligible to submit the Panamanian National Police report rather than the U.S. FBI background check (see below). With the new crackdown on border hops, we don’t necessarily recommend this approach now. We got lucky – John’s social security eligibility came through about the time of the crackdown – but we travel enough outside Panama anyway that we figured we’d be OK.

Pensionado Requirements as of 2017

All visa applications must be made through a Panamanian lawyer. All documents must be fresh (within two months of the visa application) and passports must have at least one year to run. All visa applications require that you obtain a health certificate  in Panama.

You must submit a letter from the pension body (in our case, the U.S. Social Security Administration) stating the current amount that applicant will receive per month. Minimum is $1,000.00 per individual plus $250.00 for spouse. The pension letter must have an apostille seal from your country’s embassy and then the Consulate of Panama.

Married couples can apply together by providing a marriage certificate that has been certified by the state in which they were married. This certification cannot be over 60 days old (we had to apply to the state of Hawaii to get a brand-new marriage certificate). This document must also have an apostille seal from your country’s embassy and then the Consulate of Panama.

You must submit a country-wide background check; local U.S. police reports are not accepted. U.S. citizen are required to submit an FBI background check, but there’s a key exception: if you’ve been living in Panama for more than two years without going out for 30 continuous days or more at a time, you can submit a Panamanian National Police report. That’s what we did, and it was much faster and easier than dealing with the FBI.

Other documents that you will need: passport photos, health certificate,  copies of every page of your passports, copies and more copies!! Translation forms, power of attorney for your lawyer to represent you, etc. Your mileage and time may vary, of course. Our attorneys obtained the police report and handled getting all our documents stamped and apostilled by the various agencies.

Once we had John’s proof of benefits letter from the Social Security Administration, we were ready to start the process. Again, the timing gods smiled down on us – we received the letter four weeks before our two-year anniversary of living in Panama. A side note: You can apply for social security benefits and obtain the letter no more than 90 days before your 62nd birthday.

In April we paid our attorney the retainer deposit of $500 and produced the social security letter along with health certificates from our local doctor ($25 each) and passport photos ($9.00). The ball was rolling!

A Long but Successful Day

Migracion-office-in-David The Panama Visa Process - Our Experience Panama The Expat Life Visas
Ready to go at 8 a.m. sharp!

It took about two weeks for our attorney to have all the documents certified and collected. We were now ready for our day at Immigration. We met our lawyer, Juan Contreros,  in David (pronounced Da-VEED, the provincial capitol of Chiriqui province) promptly at 8 a.m. on Monday, May 29th. Juan showed up with our inches-thick visa application file, we gave the immigration officer our passports, and we took a seat.

An hour later our attorney said Migracion wanted to see our plane tickets from a four-day trip we made from Panama to Medellin, Colombia in 2016. Apparently the in and out stamps on our passports from Colombia Immigration were not proof enough we were there! Since we don’t carry all our previous airline tickets with us, we had to scramble and get an official itinerary from Air Panama ASAP.  Our good friend and travel agent extraordinaire, Andrea Cook saved the day by getting this to us via email within an hour. Thank you, Andrea! It also turned out our lawyer had one of his staff do the same thing without our knowing.

Another hour or so and then we paid an immigration registration fee of $5.00 each. An hour or so after that we paid our $50 each for our temporary visa card and had our photos taken (hmmm – I wonder whatever happened to those passport photos we had to submit??), fingers printed, and electronic signatures recorded. Voila – we received our cards, and just like that we became legal residents. But wait, there’s more!

Migracion-sign The Panama Visa Process - Our Experience Panama The Expat Life Visas
Basically it says – if you want to travel, you’d better get the multi-entry visa or you might be fined $2,000.

If you have a visa in progress, you must have a temporary (6-month) multi-entry visa stamp on your passport in order to travel in and out of Panama during that period. The stamp costs $50 and must be signed by the immigration office director. It’s a hefty fine – $2,000 (gulp!) if you get caught traveling without it. At 1:30, Juan informed us we were good to go except for El Director’s signature on the stamp – and unfortunately, the lady that handles that particular job (out of 30 or so people in the office) had just gone to lunch! Oh, Panama . . . we love ya. Off we went to PriceSmart next door to kill time until 3 p.m.

Back at 3 p.m. and our passports are stamped and sitting on El Director’s desk, but where is El Director? By 3:45 he was still MIA, although Juan had even walked around looking for him and saw his car in the parking lot. Juan advised us to go home, since the office was closing at 4, and he would retrieve our signed passports the next day. We were a tad disappointed not to be completely finished and more than a little apprehensive about leaving our passports, but sure enough, there they were, signed and stamped, at the law office in Boquete the next morning!

Thank you, Juan. He and his law partner, Lourdes Miranda, have given us fantastic service. We can’t recommend them enough!

card-and-stamp The Panama Visa Process - Our Experience Panama The Expat Life Visas
Success! Temporary visa card and multi-entry stamp.

What’s Next?

Now we wait. Our visa application file is now in Panama City awaiting final approval, which by law must be done within six months (it usually takes about four months). At that point we will have to go to the immigration office in Panama City to get our permanent visa cards at a cost of $100 per card.

After that, we’ll be able to apply for our e-cédula cards.

So What’s a Cédula?

It’s basically a Panama ID card, available only to citizens or permanent visa holders (non-citizens with visas receive an “e-cédula,” with the “e” standing for extranjero or foreigner). Your cédula is primary proof of your age and identification, especially important if you’re entitled to the benefits of Panama’s jubilado (retiree) program. And those benefits are substantial: 25% off  airline and cruise tickets, restaurants, tours, museums, etc. A minimum discount off the regular prices of hotels, motels and hostels. A 15% discount in the total cost for services of hospitals and private clinics. A 20% discount in pharmacies for prescription medications. A 25% discount on monthly utility bills including electric, water, and basic phone/internet. These are just to name a few; plus, at most government offices and banks you get to be in the jubilado line and get served first!

Our Advice in a Nutshell
  • Get your visa sooner vs. later. The border-hop/perpetual tourist thing just isn’t tenable anymore. And there’s no greater feeling than walking away with that visa card and knowing you’re legal and a real part of the Panamanian community!
  • If you submit your application in David, be prepared for a full day of waiting. We have a friend whose application only took two hours, but you never know when a hiccup like our Colombian travel thing might pop up, or when El Director might decide to do a disappearing act. Bring a book, water, a smartphone if you have one (ours saved our butts on the Colombian thing), and – above all – patience and a positive attitude!



    • John and Susan Pazera Reply

      Hi Glen – long time no hear from! Hope you and Pat are well.

  1. Thank you very much for such an informative article. Most helpful to prospective ex pats. It seems a little daunting to make this application but as you said it would be worth it.

    • John and Susan Pazera Reply

      It is totally worth it – and with the right attorney it’s really pretty easy. We can’t recommend ours enough – Miranda and Contreros, based in Boquete. And you’re welcome 🙂

  2. Great information, as usual. It appears that all countries are refining/clamping down/reinforcing their borders etc. The requirement for un abogado durante el proceso is a new one, I think, since we left Panama. One thing we’ve had to do a number of times to reenter Colombia, is to purchase a ticket out of the country, or be denied boarding. (No one-way trips into Colombia) We’ve learned the trick of buying that departure ticket through Expedia, having the info available at the ticket counter, then within 24 hours cancelling it, a feature Expedia allows free of charge.
    Keep it coming, you two. And congrats on the visas!

  3. John and Susan Pazera Reply

    It sounds like Colombia’s requirements are pretty similar to Panama’s for people to enter with a tourist stamp. Where are you guys on getting your Colombian visas?

    • Floyd R. Turbo Reply

      Be aware Colombia taxes worldwide income/assets after 183 days in country.

      • John and Susan Pazera Reply

        Of interest to folks in Colombia, for sure . . .

  4. A big congratulations John and Susan! I know how complicated the process can seem and what a wonderful feeling it is to be a card-carrying member of your adopted country. 🙂 And, who the heck saves plane tickets??? I wouldn’t have had any idea how to figure out that requirement although I do keep an online file (not official) of past airline itineraries. We have other friends who love all the jubilado benefits that they receive in Panama and really enjoy the country too. Spending your golden years an an expat in a beautiful country is a very good thing! Anita

    • John and Susan Pazera Reply

      Thank you, Anita! Couldn’t have said it better ourselves 🙂 That’s a good idea to save flight itineraries online.

  5. Sara Crocker Reply

    John and Susan,
    Wish I had stumbled on your blog a while back. I just got back from a 12 day scouting trip to Panama and was in Boquete for about 4 of those days. Would have loved to have met you (in fact you were probably at the Tuesday Market and I didn’t know it!)
    After visiting El Valle, VOlcan, and Boquete, I’m fairly certain Boquete is the right place for me and my husband. (He couldn’t join me on the trip as he’s waiting for knee replacement surgery and finds it hard walking right now.) I did get a short tour of the town with a real estate agent (friend of our airbnb host) and got some additional info and insights into living there.
    Your details on getting the pensionado visa are very informative and clearer than what I have found on some attorneys’ sites. THank you for the time you put into this blog and all the great info! I’ll be perusing it more thoroughly over the next few weeks!

    • Catherine A. Virgenock Reply

      Hi Sara …… I’m getting ready for my trip right now! Sounds like you loved Boquete. We can “talk” when I get back and compare notes.

  6. John and Susan Pazera Reply

    Hi Sara – so sorry we missed you! We would have loved to meet you and show you around.
    Glad the blog post was helpful. You might want to take a look at some of our earliest entries, when we were in the thick of planning for and moving to Boquete. Just pick the category “Moving to Panama.”

    If we can answer any questions or help in any way, please let us know! Here’s our email:


    • Sara Crocker Reply

      Thanks Susan for the quick reply! I’m sure I’ll have questions for you but will spend some time first going through your earlier posts.

      • John and Susan Pazera Reply

        Sounds good – just let us know!

    • Catherine A. Virgenock Reply

      Hi Susan and John …. I’m headed there too … you better put up a wall around Boquete pretty soon (please wait until I’m inside though). I saw your nice reply to Sara. I’m traveling solo for a week and spending most of it in Boquete so if I see you I’ll stop you and say Hi. I am planning on going to the Market on Tuesday, basically to see how much Spanish I don’t know. I will be going over all of your posts, I just copied and saved this one in case somehow I can’t find it later. Maybe see you next week. Can you recommend a friendly restaurant for dinner? Also, one for a late breakfast too. Thanks again for all the info. you provide, you don’t know how much it helps people like me and Sara

      • John and Susan Pazera Reply

        Great, Catherine! We would love to meet you but FYI, we’re in the states through next week. Sorry we’ll miss you. So our suggestions for dinner are the Fish House, Big Daddy’s, Retro Gusto, or Apizza. For breakfast try Olga’s or Sugar and Spice. Enjoy!

  7. Pingback: Medical/Health Insurance in Panama – An Update – Latitude Adjustment

  8. Thank you so much for this invaluable inforamtion. When and if my situation improves I hope to try living in Boguete.

  9. John and Susan Pazera Reply

    You are so welcome, Sherry! We hope we see you here in Boquete someday.

  10. Dennis Leverenz Reply

    Thank You John and Susan for taking the time for sharing this information, in layman terms, although seems a little complicated, best info ive seen for sorting this process.Greetings from the beautiful Oregon Coast Dennis

    • John and Susan Pazera Reply

      You are most welcome! Let us know if we can answer any questions.

  11. Trudy Browm Reply

    Can you post ur Atty’s email address & phone #

    • John and Susan Pazera Reply

      It’s Miranda and Contreras. We have dealt with both – Lourdes Miranda and Juan Contreras. Outstanding service. The best way to contact them is through their website.

Your comments rock our world!

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Pin It
%d bloggers like this: