Gibraltar (GI)

Engage a relocation specialist for a full Gibraltar arrival service

A professional Gibraltar relocation specialist handles: property search, school enrolment, utility setup, bank account opening, ITO registration, SIO registration, and social admin. Particularly valuable for family moves or executives who cannot afford time off during the relocation period.

Engage a private bank for wealth management (Jyske Bank / Turicum)

For Category 2 residents, business owners, and HNWIs: open a private banking relationship with Jyske Bank Gibraltar or Turicum Private Bank for multi-currency accounts, investment portfolio management, and Gibraltar tax-efficient wealth structuring.

Set up full home tech: smart TV, streaming, and VPN for UK content access

Set up a complete home entertainment and connectivity solution: GIBTELECOM TV package (UK Freeview channels), smart TV with Netflix/Disney+, and a VPN for accessing geo-restricted UK streaming content. Gibraltar's fast fibre broadband supports 4K streaming without issues.

Book a guided introduction to Gibraltar: Rock Tour and community orientation

Book a licensed taxi Rock Tour (2–3 hours) to understand Gibraltar's geography, history, and community. Covers: Upper Rock, Barbary Macaques, Great Siege Tunnels, St Michael's Cave, Europa Point, and key residential areas. Invaluable for new arrivals to understand the Rock's layout and key locations.

Set up a GFSC-compliant crypto custody wallet and DLT business structure

For crypto/DLT professionals and investors: establish a GFSC-licensed DLT company structure for your blockchain business, or set up a compliant crypto custody arrangement. Gibraltar is one of the world's leading crypto-regulatory jurisdictions with a mature DLT Licensing framework since 2018.

Enrol children in an international school with IB curriculum (Sotogrande)

For families seeking IB (International Baccalaureate) curriculum: Sotogrande International School is 30–40 minutes' drive from Gibraltar and offers pre-school through IB Diploma. Prepares children for international university applications globally.

Register as a Gibraltar company director or set up a Ltd company

For entrepreneurs and business owners: incorporate a Gibraltar Private Limited Company for trading activities at the 10% corporation tax rate. Registration at Gibraltar Companies House takes 1–3 days. Engage a Gibraltar accountant for company secretary, annual returns, and corporation tax filings.

Engage a family lawyer for marriage, divorce, or cross-border custody planning

For complex family situations: marriage in Gibraltar (quick and cost-effective for UK couples), divorce proceedings, or cross-border custody arrangements between Gibraltar and the UK or Spain. Gibraltar family law follows English common law principles.

Create a Gibraltar investment portfolio with a GFSC-regulated IFA

Engage a GFSC-regulated Independent Financial Adviser (IFA) to structure a Gibraltar investment portfolio. Gibraltar's no-CGT and no-IHT environment is ideal for growing and passing on investment wealth. Diversified portfolio using global equities, bonds, and alternatives.

Set up private health insurance for specialist access and dental

Supplement GHA public coverage with private health insurance for faster specialist appointments, dental, optical, and access to private hospitals in Spain (La Línea, Marbella). Particularly valuable for families and those wanting prompt specialist consultations.

Purchase a Gibraltar property with specialist conveyancing

For those buying rather than renting: engage a Gibraltar solicitor for full conveyancing. Includes: title search, contract exchange, stamp duty (0–3.5%), and Land Registry registration. No CGT on eventual resale. No restrictions on foreign ownership.

Apply for BOTC (British Overseas Territories Citizen) status after 5 years

After 5 years of ordinary residence in Gibraltar (maximum 450 days absence), apply for British Overseas Territories Citizenship (BOTC). BOTC is the right of abode in Gibraltar. From BOTC, you can then register as a full British citizen (UK passport, right of abode in UK) for £1,206 with the Home Office.

Arrange an internationally portable life insurance or income protection policy

For expats with dependants or a mortgage: arrange a portable life insurance policy via an international provider (Zurich International, Old Mutual). These policies follow you through future moves and are not tied to one country. Gibraltar state sickness benefit (£108.60/week) is inadequate for most earners.

Take structured Spanish classes at Instituto Cervantes Gibraltar

Enrol in formal Spanish group or individual classes at the Instituto Cervantes Gibraltar — the Spanish Government's official language institute. Prepare for DELE (official Spanish qualification). Classes from A1 to C2 level.

Obtain a UK Lasting Power of Attorney (LPA) for health and finances

Register a UK Lasting Power of Attorney (LPA) for both health/welfare and property/finances. This gives a trusted person authority to make decisions on your behalf if you become incapacitated. The LPA is recognised in Gibraltar for medical decisions at GHA.

Register with a Gibraltar vet and set up pet insurance

Register your pet with a Gibraltar vet for annual vaccinations, microchip registration, and ongoing care. Set up pet insurance (Petplan or equivalent) before any health issue arises. Gibraltar vet costs are UK-level — insurance is worthwhile for dogs and cats.

Apply for Category 2 (HNWI) Residence Status

Category 2 status grants tax-capped residence in Gibraltar: pay a minimum of £37,000/year income tax (maximum £42,380), only on the first £118,000 of worldwide income regardless of actual total. No CGT, no IHT, no VAT. Requires approved property and demonstrable net worth of £2,000,000+. Managed by a specialist Gibraltar law firm (Hassans, Isolas, or Triay & Triay).

Engage a Gibraltar accountant for GIBS/ABS scheme optimisation

An annual session with a Gibraltar accountant to optimise your income tax scheme (GIBS vs ABS) can save hundreds or thousands of pounds annually. ABS may be preferable for those with dependants, mortgage interest, or aged parents. GIBS is often better for single high earners. Choose correctly — you cannot change mid-year.

Register a vehicle in Gibraltar and obtain Gibraltar insurance

If bringing or purchasing a vehicle in Gibraltar: register with the Gibraltar DVLA, pay the annual vehicle licence fee, and obtain Gibraltar car insurance (including Spain/EU extension). Gibraltar drives on the RIGHT. Fuel is significantly cheaper than the UK or Spain.

Maintain UK State Pension qualifying years via voluntary NI while in Gibraltar

For UK nationals: pay HMRC voluntary National Insurance contributions to protect UK State Pension qualifying years while working in Gibraltar. IMPORTANT: Voluntary Class 2 NI for overseas workers was abolished from 6 April 2026. The only current option is Class 3 at £18.40/week (£956.80/year for 2025/26). Each missing qualifying year reduces your UK State Pension by approximately £6.89/week (~£358/year) for life. Despite the higher cost vs former Class 2, Class 3 still provides strong long-term value.