Retiring to Bulgaria: the pensioner residence permit (2026)
Bulgaria is popular with retirees: mild climate, the Black Sea, low prices and a simple pensioner permit for non-EU nationals.
In short: Art. 24(1)(10) of the Foreigners Act covers pensioners with sufficient means. In practice plan for a pension of at least the Bulgarian minimum wage (€620.20 in 2026), a Bulgarian bank account (at least 6 minimum pensions for the visa), housing, €30,000 health insurance and a type D visa. The permit is renewed yearly; permanent residence after 5 years.
Documents
Passport valid 18+ months, form and photo, notarised lease or deed, Bulgarian bank statement, insurance for at least 6 months, criminal record certificate, pension certificate and last 3 months' pension statements with translations. Fee €100.
Life as a retiree
Private health insurance on a one-year permit; tax residency after 183 days a year — foreign pensions depend on your country's double tax treaty (see taxes). Popular places: Burgas, Pomorie, Varna, Stara Zagora, Veliko Tarnovo.
FAQ
What pension do I need to retire to Bulgaria?
The law requires sufficient means; in practice plan for at least the Bulgarian minimum wage (€620.20 in 2026) per person, plus a Bulgarian account with at least 6 minimum pensions for the visa.
For information only; not legal advice.
