The Discreet InvestorPanama territorial tax package Residence, company and bank under one territorial roof.
Panama taxes only income earned in Panama, for people and companies alike. This package puts your permanent residence, your company and your accounts in the same jurisdiction, so the three never contradict each other, and adds a Swiss account for euro payments.
What is inside
The Panama Territorial package, priced
| Component | Our fee if bought separately |
|---|---|
| Panama company, basic package | €890 |
| Towerbank personal account | €1,799 |
| Towerbank corporate account, accepts USDT, USDC, BTC and ETH | €2,099 |
| Dukascopy Bank personal account, Geneva | €599 |
| Total if bought separately | €5,387 |
| Panama Territorial package, 15% less | €4,579 |
The Qualified Investor residence filing is quoted per case. The investment itself starts at $300,000 in new real estate ($500,000 resale), and government and bank charges are paid at cost. Our fees are one-off and exclude VAT where applicable.
The logic
Why the Panama Territorial combination works
Jurisdiction for you, the company and the bank
With everything in Panama there is no clash between where you live, where the company sits and where the money is kept.
Tax on foreign-source income
Panama’s territorial system leaves income earned outside Panama untaxed for residents and for Panamanian companies.
Years to a citizenship prospect
Permanent residence from day one starts the naturalisation clock.
Banking, plus a Swiss euro account
Panama runs on the dollar; the Dukascopy account covers euro payments if a counterparty hesitates over a Panamanian bank.
The order of work
How we build the Panama Territorial package
Plan and pre-screening week 1
We confirm the investment route, check your file with Towerbank and Dukascopy, and fix the order of steps.
Company and accounts weeks 1–4
The company is incorporated in about two working days; the personal account opens online and the corporate account by virtual appointment.
Qualifying investment weeks 2–8
You buy qualifying new property; we assemble and file the residence application.
Permanent residence 30–90 days
Panama grants permanent residence directly. We stay on until your cards and accounts are in daily use.
Is it for you?
Who the Panama Territorial package suits
A good fit if
- You earn internationally and want one coherent home base for yourself and your company.
- You hold or receive crypto and need a bank that accepts it at corporate level.
- You want a long-term citizenship option in the Americas.
Look elsewhere if
- Your clients or banks are mostly in the EU: Panama is on the EU list of non-cooperative jurisdictions, which adds friction.
- You cannot invest at least $300,000 in Panamanian real estate.
The fine print of the Panama Territorial package
- Income from Panamanian sources is taxed locally.
- Your home country can keep taxing you until you have really moved.
- Towerbank asks for at least one movement every six months to keep the account active.
FAQ
Questions about the Panama Territorial package
Do I have to live in Panama? +
Not to obtain permanent residence. To use Panama as your tax home, and for citizenship, you need genuine ties and regular presence.
Why add a Swiss account? +
Some European counterparties are slower to pay into a Panamanian bank. A Swiss multi-currency IBAN avoids that without changing your structure.
Next step
Start the Panama Territorial package
In a one-hour orientation session we check whether this package fits your situation and map the order of work. The €199 fee is credited against the package if you go ahead within 30 days.
All packages: compare the six combinations.