Expat Guide to Czech Republic
Everything you need to know about living and working in Czech Republic.
Visa & Residency
EU citizens have full freedom of movement. Non-EU nationals typically need a long-term visa or employee card. The Živnostenský list (trade license) is the most common route for freelancers and remote workers — it's not technically a digital nomad visa but covers self-employed remote work. Application requires a Czech address, criminal record check, and proof of qualifications. Processing takes 1-3 months at the Ministry of Industry. Renewal is straightforward after the first year.
Tax System
Flat 15% income tax rate on income up to approximately CZK 1,935,552 annually (about €80,000). Income above this threshold is taxed at 23%. Social insurance contributions are mandatory at approximately 29.2% for self-employed (minimum base applies). Health insurance is an additional 13.5% of the assessment base. The tax year follows the calendar year with filing due by April 1. Self-employed individuals on the Živnostenský list can use a simplified flat-rate expense deduction of 40-60% depending on activity type, which significantly reduces the effective tax rate.
Note: Always consult a qualified tax advisor for your specific situation.
Healthcare
Public healthcare through VZP (General Health Insurance Company) or six other insurers. All employed and self-employed residents must contribute. Quality is generally good in Prague — major hospitals include Motol University Hospital, Na Homolce, and the General University Hospital. Waiting times for specialists can be 2-4 weeks. Many expats supplement with private insurance from providers like Uniqa or Maxima for faster access and English-speaking doctors. Dental and vision are partially covered. Emergency care is provided to everyone regardless of insurance status.
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Get Covered →Banking
Major expat-friendly banks include Fio Banka (free account, excellent online banking, some English support), Raiffeisenbank (premium service, investment products, English-speaking staff), ČSOB (largest branch network, mortgage products), and Komerční banka (good for businesses). Account opening requires: passport, visa/residence permit, proof of address (rental contract), and sometimes proof of income. Process takes 1-2 weeks. Many expats also use Wise or Revolut as primary accounts for international transfers and daily spending.
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