Bermuda
North America · Capital: Hamilton
North Atlantic British Overseas Territory with a 1-year nomad certificate and zero personal income tax
About Bermuda
Bermuda is a wealthier, more developed cousin to the Eastern Caribbean territories — pink-sand beaches, world-class water sports, and a long-established offshore finance sector that gives it premium infrastructure. The Work From Bermuda Certificate has run since 2020 and remains a clean route for nomads earning enough to absorb the cost of living, which is among the highest in the world.
Visa & Entry (US Citizens)
The Work From Bermuda Certificate is a 12-month residency permit launched in 2020 and extended indefinitely. Apply online through the Government of Bermuda portal. Requires proof of remote employment or business income from outside Bermuda, valid health insurance accepted in Bermuda, a clean criminal record, and a USD 263 application fee. No formal minimum income — but Bermuda's cost of living realistically requires USD 6,000+/month to live comfortably.
US citizens get 90 days visa-free on arrival. The Work From Bermuda Certificate replaces this for long-stay nomads and explicitly authorizes remote work from Bermuda for non-Bermudian employers — solving the tourist-visa-but-working ambiguity. Family members on the same application can also attend Bermudian schools during the certificate's validity.
Full application checklist, income thresholds, and tax implications for the Work From Bermuda Certificate.
Full Visa Guide →Bermuda visa — key facts
Last updated 2026-07-20Work From Bermuda — a one-year residential certificate for remote workers and students
gov.bm is the authoritative portal; the detailed program terms below are widely reported but were not confirmable on an official program page in our review.
Source: Government of Bermuda (portal) →No fixed minimum income, but you must show a continuous source of income (employment or self-employment OUTSIDE Bermuda) and the means to support yourself
Confirm the current means test with the Government of Bermuda.
Application fee commonly cited around US$263 per applicant
Confirm the current fee via gov.bm.
Valid for 1 year, renewable
Apply online through the Government of Bermuda portal (gov.bm)
Source: Government of Bermuda →Bermuda levies NO personal income tax, so foreign remote income is not taxed locally (Bermuda's payroll tax applies to local employment, not to foreign remote workers)
Tax treatment was not part of our official-source verification, but Bermuda's lack of income tax is well established.
Disclaimer: General information, not immigration or legal advice. Requirements vary by nationality and change; figures tagged “commonly cited” are not officially confirmed — verify with the official Bermuda immigration authority.
Sources
Currency & Banking
The Bermudian Dollar is pegged 1:1 to the USD and the two circulate interchangeably for daily transactions. HSBC Bermuda, Butterfield, and Clarien are the main retail banks; account opening typically requires the certificate plus residency address (3–6 weeks). Wise covers Bermuda for inbound transfers; Revolut also works. ATMs are widespread in Hamilton and St. George's. Cards are universally accepted; cash is rarely needed.
1 USD ≈ 1 BMD· live rate, updated 2026-07-27
Wise
International banking without the fees
Language
English is the only official language and the language of all daily life. Bermudian English has a distinctive accent and some local slang but is fully comprehensible to all English speakers.
Tax Residency
Bermuda has zero personal income tax, zero capital gains tax, and zero corporate tax (with limited exceptions for local-source income). Triggering 183-day tax residency therefore creates no local tax liability on foreign income. Payroll taxes apply only to wages paid by Bermudian employers. For US citizens, FEIE qualification still requires the standard tests; for other passports, Bermuda is structurally tax-neutral on remote income.
Healthcare
King Edward VII Memorial Hospital is the primary facility and provides high-quality care; specialist cases are sometimes referred to the US (Boston or Baltimore). Private GP visits run USD 100–200, specialists USD 200–400 — fees roughly match US costs. Health insurance is mandatory for the certificate; SafetyWing covers Bermuda but the premium-tier plans (Cigna Global, IMG Global) are more commonly chosen for the cost-match against local medical pricing.
SIM & Connectivity
Digicel and One Communications are the two carriers. Prepaid SIMs at carrier shops run USD 25–40 with passport ID; unlimited monthly plans are USD 80–120 — Bermudian telecom is expensive even by Caribbean standards. Fiber home internet via OneCom reaches 1 Gbps in Hamilton. Airalo and Holafly eSIMs work but burn through allowances quickly.
Airalo
eSIM for 190+ countries
Cultural Tips
- 1
Dress code is more formal than other Caribbean destinations — Bermuda shorts (long, tailored, knee-length) with knee socks and a blazer is genuinely common business attire. Beach attire stays at the beach.
- 2
Driving is on the left and visitors cannot rent cars at all — the standard nomad mobility is a rented electric scooter (Twizy, Forest), the public bus, or pink ferries between parishes.
- 3
Sunday is church-and-family day for most Bermudians; many shops close. Plan errands for weekdays.
- 4
Tipping: 15–18% in restaurants is standard; USD 1–2 per drink at bars; USD 2–3 per bag for porters. Service charges are sometimes pre-added — check the bill.
- 5
Hurricane season is June through November; Bermuda is north of the typical Caribbean hurricane belt but storms do reach it. Properties are built to withstand them and the island recovers fast.
Free tools for Bermuda
Plan your move with these free calculators.
Good to know in Bermuda
Facts verified 2026-07-27The practical stuff worth knowing before you land.
Before you go to Bermuda
Four things worth sorting before you land, and the honest reason each one matters.
Why you need a VPN
Your home bank, broker, and PayPal often block or freeze logins from Bermuda, and the cheaper the country, the harder they block it. A VPN gives you a home-country IP so your accounts, and your home streaming, keep working.
Why you need an eSIM
Land with working data before you find Wi-Fi. Maps, ride-hailing, and the 2FA texts your bank sends all work the moment you step off the plane, with no airport SIM queue and no roaming bill.
Why you need travel insurance
Hospitals in Bermuda usually want payment up front, and your policy back home rarely follows you abroad. Monthly nomad cover fills that gap and you can start it after you have already left.
Why you need a multi-currency account
Skip the 3-7% your home bank quietly adds every time you spend or get paid abroad. Hold local currency, pay at the real exchange rate, and get local bank details for rent and invoices.
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Frequently Asked Questions — Bermuda
Common questions from digital nomads researching Bermuda.
Do US citizens need a visa to visit Bermuda?
Does Bermuda have a digital nomad visa?
Is Bermuda in the Schengen Zone?
What language is spoken in Bermuda and how much English is there?
What are the tax implications of living in Bermuda as a digital nomad?
What is healthcare like in Bermuda for expats and digital nomads?
How do I get a local SIM card in Bermuda?
Gear up for Bermuda
Tools the Settled Nomad community relies on — vetted, nomad-tested.
SafetyWing
Travel & medical insurance for nomads
Flexible monthly coverage starting at $42/mo. Cancel anytime, covers 180+ countries, and pays out in USD.
Airalo
eSIM for 190+ countries
Skip the airport SIM queue. Buy a local eSIM before you land and stay connected from day one.
Wise
International banking without the fees
Hold 50+ currencies, get local bank details in 10 countries, and send money at the real exchange rate.
NordVPN
Stay secure on public Wi-Fi
Essential for coworking spaces and coffee shops. Access home streaming services and keep your data private.
Booking.com
Monthly stays & apartments worldwide
Filter by monthly price, kitchen, and workspace. Thousands of nomad-friendly apartments not on Airbnb.
Skyscanner
Find the cheapest flights anywhere
Compare hundreds of airlines in seconds. Set price alerts and book when the fare drops.
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Stay in the loop
New city guides, visa changes, and nomad intel for Bermuda and beyond — monthly, no spam.
Frequently Asked Questions
Which countries have digital nomad visas in 2026?
Over 60 countries now offer official digital nomad or remote worker visas, including Portugal, Spain, Germany, Georgia, the UAE, Barbados, Costa Rica, Colombia, Greece, Malta, Estonia, Latvia, Iceland, and many more. Income requirements range from $0 (Georgia) to $3,500+/month (Portugal, Germany). Most programs grant 1–2 year renewable permits with a path to residency.
How do I know if I am a tax resident in a country?
Most countries use the 183-day rule — if you spend 183 or more days in a country in a calendar year, you trigger tax residency. Some countries like France and Germany also consider 'center of vital interests' (where your family, home, and economic ties are). Territorial tax countries like Georgia, Paraguay, and Panama only tax income earned within their borders, making them popular bases for nomads earning foreign income.
Which countries have territorial tax systems beneficial for digital nomads?
Georgia, Paraguay, Panama, Costa Rica, Malaysia, Singapore, Hong Kong, and Thailand (on remitted income) all operate territorial tax systems — they only tax income sourced within their borders. Digital nomads earning from foreign clients typically owe zero local income tax in these countries. Always confirm with a tax professional, as rules change and your home country's exit tax obligations still apply.
How do I choose the right country as a digital nomad base?
Start with the visa question: can you legally stay long enough to justify the move? Then check cost against your income, timezone alignment with your clients, and tax implications for your home country. For most US-based nomads under $120,000/year, the FEIE shields most or all foreign income regardless of base country. Filter our country guides by nomad visa availability or continent to narrow your shortlist.