SRRV Visa Philippines (2026) – Practical Guide for Retirees & Long-Stay Expats

2026 Article Updates

• Updated SRRV applicant age rules and revised deposit requirements

• Membership renewals can now be processed on a 2-year cycle

The Special Resident Retiree’s Visa (SRRV) is one of the most straightforward ways for foreigners to secure long-term residency in the Philippines. It’s designed for retirees and long-stay expats who want a stable visa path, multiple-entry privileges, and an indefinite stay without the constant renewal cycle of short-stay visas. With updated fees, age rules, and deposit requirements now in effect, understanding the process — and the real-world costs — matters more than ever.

I’ve personally completed the SRRV application process and learned exactly which steps speed approval, what common mistakes can cause delays, and which lesser-known requirements often get overlooked in official guides.

This updated January 2026 guide walks you through the full SRRV application — financial requirements, deposit options, paperwork, timelines, and the small details that often slow people down. Whether you're planning your move or already living in the Philippines, you’ll know exactly what to prepare, what to expect, and how the process works in real life.

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Table of Contents

Click a topic below to jump directly to that section of the guide.

1.Application Routes

2.PRA Offices and Locations

3.Official SRRV Application Forms

4.Avoiding the Pitfalls

5.SRRV Costs

6.Final Thoughts

7.Frequently Asked Questions

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Read Our Guides & Explore More About Living in the Philippines

If the SRRV visa is not the right fit, explore other long-stay options including the tourist visa, 13A marriage visa, and the Balikbayan privilege for returning Filipinos and their families. We also cover the challenges of getting a Philippine driver’s license and owning a vehicle, then the big question: can you really live in the Philippines on $1,000 per month?

SRRV Application Routes: What You Need to Know

There are three main ways to apply for the Special Resident Retiree’s Visa (SRRV) in the Philippines. Each route has its own advantages and drawbacks, depending on your comfort with paperwork, available budget, and the level of support you prefer. Here’s how they compare:

Apply with a Private SRRV Marketer

Private marketers are independent visa consultants who assist with everything from document preparation to relocation logistics. Some go beyond paperwork and offer full concierge-style support, including help with housing, banking, and settling in.

Always verify that they are officially accredited by the Philippine Retirement Authority (PRA). Their fees typically range from $500 to $600, depending on the level of service and any additional options offered.

Apply Through a PRA-Accredited SRRV Marketer

These agents are officially recognized by the Philippine Retirement Authority (PRA) to assist with SRRV applications. Many of them are retirees themselves or work directly with retirement communities or service centers.

Because they’re compensated by the PRA, you won’t typically pay additional fees for basic support such as help with forms or document review. However, you’ll still need to cover essential expenses yourself — including medical exams, NBI clearance, and the cost of having foreign-issued documents apostilled or authenticated before submission.

Apply Directly to the PRA (Self-Application)

If you’re confident handling your own paperwork, you can apply directly at a Philippine Retirement Authority (PRA) office. This route avoids marketer fees and gives you full control over your application, but it also demands careful attention to detail. You’ll be responsible for securing apostilled or authenticated police clearances, validating pension income, obtaining medical certificates, and ensuring all documents meet PRA requirements before submission.

Our Recommendation: The Smartest Route to Apply for the SRRV

The Philippine Retirement Authority (PRA) actively supports and encourages self-application for the Special Resident Retiree’s Visa (SRRV). If you’re prepared to manage your own documents and timelines, this route gives you full control over your application and is generally the most cost-effective.

Familiarizing yourself early with SRRV requirements—such as securing apostilled or authenticated police clearances, validating pension income, obtaining medical certificates, and opening a PRA-accredited bank account—helps you avoid common delays.

While PRA-accredited marketers can be a helpful choice, especially for those who prefer step-by-step guidance, I chose to handle my own application. Managing the process myself gave me more time to organise documents at my own pace and avoid working to a set schedule, which can be stressful when dealing with time-sensitive requirements like getting foreign documents apostilled.

If you’re organised and comfortable handling paperwork, self-application is often the smartest route—especially for retirees already in the Philippines on a tourist visa.

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It Matters - Health & Healthcare in the Philippines

Healthcare in the Philippines is a key concern for expats and long-term residents. There is no one-size-fits-all solution, our guides explain the main options and how to choose the right coverage for your lifestyle and budget.

Philippine Retirement Authority (PRA): Main Office and Satellite Locations

The Philippine Retirement Authority (PRA) is the government agency responsible for managing the Special Resident Retiree’s Visa (SRRV) program. Operating under the Department of Tourism and in coordination with the Bureau of Immigration, the PRA provides expats and other foreign nationals with a legal pathway to residency so they can retire comfortably in the Philippines.

The PRA’s main office is located in Makati City, Metro Manila. It also operates satellite offices in major hubs such as Cebu, Davao, and Clark. These branches can guide you through the SRRV application process and accept document submissions, but final visa approval, SRRV card issuance, and oath-taking are handled exclusively at the Makati headquarters.

During my own SRRV application process, I was in contact with both the PRA satellite office in Cebu and the main office in Makati. While the Cebu team was responsive and helpful, I found that communication with the central office in Makati was clearer and more consistent, which ultimately made the process smoother and gave me more confidence in finalizing my application there.

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Find a PRA Office Near You

Use the interactive map below to locate the Philippine Retirement Authority’s main office in Makati and its satellite offices nationwide. Click on a pin to view the full address and contact details to see which location is most convenient for your SRRV application.

Map of the Philippines showing the main PRA office in Makati and all satellite office locations.

Map source: John Hawkins | Leaflet.js

Official SRRV Application Forms

Before you start your SRRV visa application, you’ll need to review and download the official forms issued by the Philippine Retirement Authority (PRA). These include the core application documents, a medical clearance form, and the remittance instructions for your SRRV time deposit.

Always double-check with the PRA to ensure you are using the most up-to-date versions of each form or guide. Requirements may change without notice.

SRRV Application: Avoiding the Pitfalls

Most SRRV guides cover the basic requirements, but it’s the smaller details and hidden rules that often cause delays, rejections, or costly resubmissions. This section points out the areas of the application that need extra attention, careful timing, and advance preparation — especially if you want your SRRV approved smoothly the first time.

We’ll start by building the SRRV application pack, reviewing the standard requirements, and then highlighting the specific items that need special care and are most likely to cause frustration or delay.

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SRRV Application Document Requirements

The requirement table below is prioritised from #1 to #8 so you focus first on the documents that are most time-consuming, most likely to delay your application, or that require action in your home country. Items such as pension proof and police clearance often involve international coordination and formal authentication, so it’s essential to prepare these early before moving on to simpler, locally managed steps like the application form and fee payment.

SRRV requirements and procedures can change without prior notice. Always confirm the latest details directly with the Philippine Retirement Authority (PRA) before submission.

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Banking, Financial Life, Work & Business

Managing your finances when you first arrive in the Philippines can be challenging. Opening a local bank account quickly becomes a priority, allowing you to transfer funds efficiently from overseas, manage peso spending through cards and digital platforms. Plus, get to know more about business, work, and paying tax. If you want to keep yourself busy, have the right visa and permits — getting up and running is achievable.

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Proof of Pension

Providing proof of a pension is one of the trickier parts of the SRRV application. Pensions generally fall into three categories: lifetime pensions, lifetime annuities, and drawdown pensions. As of 2025, the PRA officially accepts only the first two — pensions that guarantee income for life.

With the decline of traditional final salary (defined benefit) pensions and the growth of flexible retirement plans such as 401(k)s in the USA, many modern retirees now rely on drawdown arrangements. This creates a gap between official policy and the reality for applicants.

While drawdown pensions are not formally accepted under PRA guidelines, in practice there have been cases where well-documented pension letters were considered. To stand a chance of approval, the documentation must clearly state that the income is paid monthly, guaranteed for life, and meets the PRA’s minimum threshold. Outcomes may still vary depending on how the PRA reviews the evidence.

In all cases, pension documents must be issued or underwritten by the appropriate legal authority and formally apostilled.

If your retirement income does not qualify as a lifetime pension or annuity, the SRRV program instead requires a larger time deposit. Note: As from September 1, 2025, deposit amount have increase — see table below for full details.

Note 1: Always confirm with the PRA for the latest requirements. Note 2: Proof of lifetime pension of at least USD 800.00/month for single applicants and USD 1,000.00/month for applicants with dependents

Lifetime Pension vs. Drawdown Pension: What the SRRV Accepts

Pension acceptance is always subject to PRA’s discretion. Rules and interpretations may change without notice, so applicants should confirm directly with the PRA before submitting documents.

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Police Clearance (Home Country)

The police clearance from your home country is another document that requires advance planning. Fortunately, most countries allow you to apply for this certificate while living abroad, and many have streamlined processes — including online forms, email updates, and international delivery.

In some cases, such as the United Kingdom, you can request the apostille at the same time you apply for the police certificate, making it a single-step process. In others, like Australia, Germany, or the United States, the apostille must be requested separately after the certificate is issued, which adds time and complexity.

Regardless of the procedure, what matters is that your certificate is properly apostilled or authenticated, and translated into English if required. Without this step, the PRA will not accept your document.

Police Clearance and Apostille Requirements by Country

The table below outlines how to apply from abroad, which agency is responsible, how the apostille is handled, and the main pitfalls to watch out for. If your country is not listed, use this framework as a guide when researching your own process.

The information and associated links in this table are based on official sources available as of May 2025. Processes and requirements may change without notice, especially those relating to apostille authorities and overseas application procedures.

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Destinations & Property

Choosing where to live long-term in the Philippines isn’t about finding one “best” location — it’s about understanding how different places support different lifestyles. Our guides explore popular expat destinations and explain how to find and manage property once you arrive.

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NBI Clearance (Philippines)

The National Bureau of Investigation (NBI) clearance is a background check certificate issued by the Philippine government to confirm that you have no criminal record in the country. For foreigners, it becomes a requirement once you have been in the Philippines for more than 90 days — whether you’re applying for certain visas, opening bank accounts, or completing other official processes.

The NBI clearance process can take longer than expected, especially in busy city offices. You must apply in person, complete biometric fingerprinting, and wait around 2–3 weeks for processing and background verification. Delays are common if your name matches someone in the NBI database.

NBI offices are widely available across the country, including in provincial capitals like Tagbilaran, Dumaguete, and Puerto Princesa — not just in Manila or Cebu. However, not all satellite branches can process foreign applications involving an ACR I-Card. When in doubt, go to a district or regional office.

On the day of your appointment, bring your valid passport, visa, and ACR I-Card — along with photocopies of each. Be aware this is a government office, so appropriate attire is expected (no shorts, sleeveless shirts, or sandals).

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Bank Deposit

The PRA is strict about the origin of your SRRV deposit. It must come from a bank account in your name outside the Philippines. Local transfers or hand-delivered cash are not accepted. You’ll need both a SWIFT receipt and a certificate of inward remittance from the receiving bank — without these, your deposit may not be recognized.

Before transferring any funds, you must request a Letter of Introduction (LOI) from the PRA. The LOI is required by the receiving bank to open the special time deposit account for your SRRV. To request it, email srrvapplication@pra.gov.ph with your full name, chosen bank and branch, the SRRV option you’re applying under, the amount to be deposited, and a copy of your passport bio page. After 2–3 working days, you should receive the LOI to present at your bank.

For detailed remittance instructions, see the official Deposit Remittance Instruction (PDF). This covers account details and formatting requirements for SWIFT transfers — including the exact remittance purpose and recipient information.

Word of warning: Ensure your core documents — such as pension proof, police clearance, and medical certificate — are complete and likely to be accepted before wiring funds. If any documents are rejected and your application cannot move forward, recovering the deposit may be difficult or delayed. It’s best to seek informal confirmation from the PRA that your documentation is in order before making the transfer.

SRRV Costs

Applying for the SRRV comes with two main financial commitments: a one-time application fee and an annual PRA fee, plus a refundable deposit that varies depending on age and whether you have a guaranteed pension.

One useful change for long-term residents is that SRRV membership renewals can now be processed on a 2-year cycle, reducing the frequency of renewals compared to the previous 1-year approach.

SRRV requirements and procedures can change without prior notice. Always confirm the latest details directly with the Philippine Retirement Authority (PRA) before submission.

Final Thoughts: Starting Your SRRV Journey

The SRRV visa is one of the most practical and rewarding pathways for foreigners who want to make the Philippines their long-term home. While the process can seem detailed at first, with proper preparation it becomes straightforward and manageable.

Each requirement — from securing a pension letter to having your police clearance apostilled — is simply a step toward establishing stability. Once approved, the SRRV makes everyday life much smoother, whether it’s opening a bank account, signing a long-term lease, or accessing healthcare with peace of mind.

Since my time living here in the Philippines, I’ve noticed a slow but steady shift in visa requirements for expats. Many long-term foreigners still get by on a tourist visa — it’s relatively easy to manage, inexpensive, requires little more than a valid passport, and comes with no deposit requirements. So why consider a change? In my view, the Philippines is gradually bringing itself in line with other Southeast Asian countries.

The Bureau of Immigration has also become less accepting of long-term stays on tourist visas due to misuse by some foreigners. The common practice of six-month extensions is slowly being phased out in favor of two-month renewals, and those who stay longer than a year are now more likely to face active scrutiny when applying for further extensions. I will continue to watch the situation closely on the ground here, but change in immigration policy is already underway.

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