Czech Republic

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.

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.

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. Health Insurance for Nomads SafetyWing offers affordable travel & health insurance from $45/mo — designed for digital nomads and remote workers in 195+ countries. Get Covered →

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. Save on International Transfers Wise offers the real exchange rate with transparent, low fees. Trusted by 16M+ people — the #1 tool we recommend to every expat client. Try Wise Free →

• Prague$1,300/mo · 8.2