Visas and living in the Philippines: what actually works in 2026

Most nationalities enter visa-free for 30 days, extendable in country up to 36 months in successive steps at the Bureau of Immigration.

After the sixth month of continuous stay you must obtain an ACR I-Card. Budget for it, and expect to appear in person.

The SRRV retirement visa remains the cleanest long-term option for those over 50, with a deposit requirement that changes periodically.

Practical realities nobody mentions: opening a bank account requires proof of address, fibre internet quality varies street by street, and health insurance should always include medical evacuation to Manila or Cebu.