Moving to Cyprus: An Expat’s Guide

Published on September 29, 2025 and written by Cyril Jarnias

Dreaming of sunshine, pristine sandy beaches, and exceptional quality of life? Moving to Cyprus might just be the answer to your aspirations. This enchanting Mediterranean island offers an idyllic living environment, favorable taxation, and a culture rich in history. Whether you’re an entrepreneur, retiree, or simply seeking a fresh start, this comprehensive guide will provide all the keys to successfully settling in Cyprus. Discover the essential steps, from pre-departure preparation to integrating into the local community, including the mandatory administrative procedures.

Prepare Your Departure: The Essentials Before Packing

Before embarking on your Cypriot adventure, thorough preparation is essential. Here are the key elements not to overlook:

Assess your financial situation: Ensure you have sufficient savings to cover your first few months on the island. The cost of living in Cyprus is generally lower than in France, but it’s wise to budget comfortably for your setup. According to recent statistics, a couple can live comfortably on approximately €2000 per month in major cities like Nicosia or Limassol.

Master basic English: Although Greek is the official language, English is widely spoken in Cyprus, particularly in tourist areas and business circles. Invest in language courses if necessary to ease your integration.

Learn about the healthcare system: Cyprus has a public healthcare system, GESY (General Healthcare System), accessible to residents. However, it’s recommended to take out supplementary private health insurance for broader coverage.

Plan the relocation of your belongings: If you wish to bring your personal effects, inquire with specialized international moving companies. Customs formalities for importing personal goods are generally straightforward in Cyprus, but some items may be subject to restrictions.

Welcome to Cyprus: The First Steps to Get Started

Once you arrive on the island, several administrative procedures await to formalize your expatriate status:

Obtain your tax number (TIC): This is the first crucial step. Visit the local tax office with your passport and proof of address. This number will be essential for all your future procedures.

Register with social security: Even if you’re not immediately working, this registration is mandatory. It will grant you access to the GESY public healthcare system.

Open a local bank account: Choose a reputable Cypriot bank like Bank of Cyprus or Hellenic Bank. Required documents typically include your passport, tax number, and proof of address.

Register your driver’s license: If you hold a European license, you can use it in Cyprus. However, it’s recommended to register it with local authorities to facilitate administrative processes.

Find Your Home Under the Cypriot Sun

Finding housing is a crucial step in your relocation. Here are some tips to find the perfect spot:

Choose your region: Cyprus offers diverse living environments. Limassol is popular for its economic dynamism and nightlife, Paphos for its historic charm and beaches, while Nicosia, the capital, offers a more urban atmosphere.

Rent or buy?: Renting is often preferred by newcomers. Prices vary significantly by area. In Limassol, expect an average of €800 per month for a two-bedroom apartment downtown. Buying can be considered after an adjustment period, with prices per square meter ranging from €1500 to €4000 depending on location.

Use a real estate agent: Local agencies know the market well and can save you valuable time. Ensure they are licensed by the Cyprus Real Estate Agents Association.

Check the rental contract: Read the clauses carefully, especially regarding lease duration, security deposit amount, and termination conditions. Don’t hesitate to negotiate terms if necessary.

Visa and Residence Permit: The Keys to Your Legal Stay

To legally stay in Cyprus beyond 3 months, you’ll need to obtain a residence permit. Here are the steps to follow:

For EU citizens: – Apply for a registration certificate (MEU1) at the immigration department within 4 months of arrival. – Provide proof of sufficient resources (employment contract, bank statements) and health insurance. – After 5 years of continuous residence, you can apply for a permanent residence permit.

For non-EU nationals: – Obtain a long-stay visa before arrival from the Cyprus embassy in your country. – Once in Cyprus, apply for a temporary residence permit, typically valid for one year and renewable. – Eligibility criteria vary based on your situation (work, retirement, investment).

The investment residency program: Cyprus offers an attractive program for investors. A minimum real estate investment of €300,000 can open the doors to an accelerated permanent residence permit.

Integrate into the Local Community: The Keys to Success

Integrating into your new community is essential for a successful expatriation. Here’s how to carve out your place in the sun:

Learn Greek: Even though English is widely spoken, some Greek basics will open many doors. Cypriots greatly appreciate expatriates’ language efforts.

Participate in local events: Traditional festivals like Kataklysmos (Festival of the Sea) or the Limassol Carnival are excellent opportunities to immerse yourself in local culture.

Join expatriate associations: Groups like “InterNations Cyprus” or “Expats in Cyprus” regularly organize meetups and can help you build a network.

Adopt the Mediterranean lifestyle: Cypriots place great importance on shared meals and convivial moments. Don’t hesitate to accept invitations to barbecues or meze evenings.

Navigate the Cypriot Administrative Maze

Understanding and complying with administrative obligations is crucial for a smooth expatriation. Here are the essential points to remember:

Annual tax return: Even though Cyprus offers favorable tax conditions, you must declare your income each year before July 31st. The income tax rate ranges from 0% to 35%, with a high exemption threshold.

Registration in the residents’ registry: After obtaining your residence permit, you must register with the municipality of your place of residence.

Residence permit renewal: For non-EU nationals, renewal must be done at least one month before the current permit expires.

Change of address: Any change of residence must be reported to authorities within 10 days.

Know Your Rights: The Legal Framework for Expatriates in Cyprus

Being informed of your rights and obligations as a foreigner in Cyprus is essential for successful integration:

Labor rights: Expatriates enjoy the same rights as local workers. The standard work week is 38 hours, with a minimum of 20 paid vacation days per year.

Property access: EU nationals can freely purchase real estate. Non-Europeans are limited to one residential property and must obtain Council of Ministers approval for any additional purchases.

Family reunification: Permanent residents can bring their family to Cyprus under certain conditions, particularly regarding resources and housing.

LGBT rights: Cyprus has made significant progress in LGBT rights in recent years. Civil unions between same-sex couples have been recognized since 2015, and discrimination based on sexual orientation is prohibited.

Moving to Cyprus offers numerous opportunities for a new life under the Mediterranean sun. With adequate preparation and a clear understanding of the necessary steps, your transition to Cypriot life can be smooth. Remember that adaptation takes time, but the warmth of the Cypriot welcome and the island’s beauty will make your experience unforgettable.