Published on and written by Cyril Jarnias
Moving to Togo is attracting more and more expats, whether they are salaried workers on assignment, entrepreneurs, retirees, or digital nomads. A moderate cost of living, tropical climate, strategic location between Ghana and Benin, French-speaking population, and pro-business reforms make it a destination worth considering. But to succeed in your move, it’s best to arrive prepared, as the administrative, banking, healthcare, and cultural realities differ from those in Europe or North America.
This guide compiles essential data from recent studies to help you anticipate your budget, procedures, and daily life on the ground.
Understanding the country and its appeal to expats
Togo is a small West African country on the Gulf of Guinea, with approximately 9.7 million inhabitants spread over just over 54,000 km². Its capital, Lomé, concentrates economic activity, major infrastructure, and most of the expat community.
The population is very young (median age around 19) and growing rapidly. The country is part of the West African Economic and Monetary Union (WAEMU) and uses the CFA franc (XOF), a currency with a fixed exchange rate, which provides some stability but sometimes complicates conversion to other currencies.
The country is ranked among the best in Africa for business creation according to Doing Business indicators.
In addition, over 240,000 immigrants already live in the country, mainly from neighboring ECOWAS countries. Infrastructure remains uneven between Lomé and the rest of the country, and both the healthcare system and the banking network require serious preparation.
Visas, e-visa, and residence permits: what an expat needs to know
Arriving in Togo without having clarified the visa issue is the best way to start your project… with a denied entry. The country has deeply changed its rules in recent years, favoring the e‑visa and tightening control over long-term stays.
Exemptions and e-visa
Citizens of ECOWAS countries (Ghana, Benin, Senegal, Nigeria, etc.) benefit from visa-free entry for short stays, upon presentation of a passport or ID card, generally for up to 90 days. Citizens of some non-West African countries (e.g., Philippines or Singapore) also enjoy targeted exemptions, as do certain holders of diplomatic passports.
For the vast majority of other nationalities (including French, Belgian, Swiss, Canadian, etc.), using the e‑visa is now the rule. The application is made online, the document is issued as a PDF and must be printed for presentation upon arrival. Visas on arrival, once easily accessible, have been progressively phased out in favor of the all-digital system, and physical “express” options are, according to the texts, suspended until further notice.
Types of short-stay visas
For an initial exploratory trip or a mission of a few weeks, you typically opt for:
A tourist visa allows a stay of up to 90 days, single or multiple entries, for leisure, family visits, or unpaid events. A short-term business visa is for meetings, conferences, or prospecting, without local employment.
Fees vary by duration and number of entries. The most recent fee schedules mention, for example, a 15-day single-entry visa around 25,000 FCFA, a 30-day multi-entry visa at about 45,000 FCFA, and a 90-day multi-entry visa around 65,000 FCFA. For e‑visas, fees are charged in CFA francs, with a fixed parity to the euro (1 € = 655.957 FCFA), so you know exactly what you are paying.
In all cases, a passport valid for at least 6 months beyond the return date, with blank pages, a recent photo on a light background, proof of accommodation (hotel reservation or letter of invitation), a return or onward ticket, and travel insurance covering repatriation are required. For business travel, a mission letter from the employer and sometimes a letter of invitation from the Togolese company complete the file.
Long stay, work, and residence permit
To settle as an employee, entrepreneur, or for a long-term project, a tourist e‑visa is not enough: a system combining an immigration visa, work permit, and residence permit is provided.
The employer must prove the company’s legal registration, tax compliance, and justify hiring a foreign profile rather than a local one. The future expat provides passport, CV, diplomas, criminal record extract, medical certificate, and photos, often translated into French.
The work permit is processed by the labor and immigration authorities. Once the approval is obtained, a long-stay visa is issued by an embassy or consulate, then, upon arrival, the procedure continues with the issuance of a residence permit by the Directorate General of National Documentation. Three main categories exist, with different stamp duties:
| Type of residence permit | Validity period | Indicative fees (FCFA) |
|---|---|---|
| Temporary | 1 year | 200,000 |
| Ordinary | 3 years | 500,000 |
| Privileged | 5 years | 800,000 |
The 2025 reform relaxed some points: the period after which a residence permit is required was extended from 3 to 6 months, and a temporary permit was created to allow foreign workers to remain in regular status while waiting for the definitive card. At the same time, fines for unauthorized work or late renewal have been strengthened, requiring vigilance about expiration dates.
Work permit, timelines, and employer role
In practice, obtaining a work permit is part of a process spanning several weeks. The typical sequence includes:
The process unfolds in several stages: a preparation phase of 1-2 weeks (drafting the contract, collecting documents, translations), then submitting the work permit application with processing taking 1-3 months, followed by obtaining the long-stay visa if the candidate is abroad, and finally scheduling a biometric appointment for the residence permit upon arrival.
The employee is required to comply with the authorized scope (employer, position, location). Each significant change (new company, major transfer) must be reported to the authorities and may require a permit revision.
Note that Togo does not currently have a dedicated “digital nomad” visa. Remote workers who want to settle long-term must therefore fit into one of the existing schemes (tourist visa with limited stays, immigration visa with economic evidence, etc.), while remaining aware of the risk of being considered working without an appropriate status.
Banks, money, and transfers: preparing your finances
The currency in circulation is the West African CFA franc (XOF). It is considered stable due to its peg to the euro, but difficult to convert outside the WAEMU zone. So it’s important to think ahead about your banking setup.
Opening a local bank account
Access to the banking system is considered of moderate difficulty for an expat. Foreigners are allowed to open an account with Togolese banks, but the procedures almost always need to be done in person, once on the ground: remote opening is not available at most institutions.
The documents typically required are:
– valid passport (or residence permit);
– proof of local address (lease contract, water or electricity bill, residence certificate);
– Togolese phone number;
– sometimes tax identification number and proof of income (employment contract, payslip);
– two passport photos;
– initial deposit, the amount of which varies by bank.
The minimum amount required to open an association account in FCFA, much higher than the deposit for a simple current account which ranges between 10,000 and 20,000 FCFA.
In practice, banks like Ecobank Togo, Orabank Togo, Bank of Africa – Togo (BOA), Société Générale Togo, Banque Atlantique Togo, Union Togolaise de Banque (UTB), Coris Bank International Togo, BIA‑Togo, BSIC, La Poste, etc., offer roughly the same basic products: current account with checkbook and debit card, online and mobile app access, wire transfers, direct debits for rent and bills, and an ATM network.
Cards, withdrawals, and payments
Visa cards (Classic, Premier, Business, etc.) are well accepted in major hotels, some upscale restaurants, and supermarkets in Lomé. ATMs in the capital generally accept Visa cards and, increasingly, Mastercard. American Express is mostly limited to high-end establishments and remains marginal outside tourist areas.
In the rest of the country, cash remains the norm, and it is difficult to pay by card anywhere other than supermarkets and rare shops equipped with terminals.
Cash is the most widely accepted payment method outside supermarkets.
Make sure you have enough cash before going to shops without card terminals.
– have cash on hand for daily expenses;
– plan to break large bills (10,000 FCFA) into smaller ones at shops or markets;
– do not rely solely on an international card, as some ATMs can be unreliable.
Lomé does have a dense network of ATMs, especially along main roads and in administrative districts; the interior of the country is significantly less well-served.
Online banks, transfers, and multi-currency solutions
Solutions like Wise or N26, widely used by expats in Europe, are not fully available in Togo. Wise allows, in a limited way, sending money to the country, but does not offer a local account or a card tied to a Togolese IBAN. N26, on the other hand, is not accessible.
For regular transfers from abroad, you therefore have to work with:
Traditional SWIFT transfers, often expensive and slow (2-5 business days); specialized money transfer operators, physical or online; multi-currency accounts held in another country (euro or dollar account); some global products, like Starryblu mentioned in studies, promise foreign currency accounts with reduced fees, but their actual availability should be verified at the time of moving.
Starryblu
Some common sense rules apply: compare fees and exchange rates, favor bundled transfers to limit costs, and possibly set up recurring transfers to benefit from more stable pricing.
Local employers almost always require a Togolese bank account to pay salaries. Opening an account quickly (ideally within the first week) is therefore a must.
Cash, mobile money, and security
Even though the banking system is modernizing, the economy remains very cash-based. Rent, domestic services, taxis, and market purchases are paid in bills. However, in recent years, mobile money solutions have become an important intermediary: TMoney (Togocom), Flooz (Moov), Mobile Money Togo, or Moov Money allow you to pay bills, top up phone credit, send money to a relative, or sometimes pay a merchant.
These platforms do not replace a bank account for an expat, but offer an extra layer of convenience, especially in a context where power outages and internet cuts can disrupt traditional transactions.
Cost of living: how much to budget for living in Togo?
At an equivalent level of comfort, living in Togo costs significantly less than in Western Europe or North America. It is estimated to be about 35 to 40% of the cost of living in France and about 50% of that in the United States. However, the difference between an expat’s standard of living and that of an average Togolese remains large.
Typical budgets for expats
Compiled studies give fairly consistent ranges. For Lomé:
– A single expat, including rent, can live comfortably on between 700 and 1,200 USD per month, depending on the neighborhood and comfort level;
– A couple or small family should budget between 1,600 and 2,000 USD per month, with the main expense items being housing, international school, and health insurance.
Other estimates broken down in CFA or dollars confirm these orders of magnitude:
| Profile | Estimated monthly budget (XOF) | Estimated monthly budget (USD) |
|---|---|---|
| Single (average) | approx. 496,000 | 700 – 1,200 |
| Single (tight budget) | 215,000 – 370,000 | 350 – 600 |
| Family of four (average) | approx. 1,300,000 | 1,600 – 2,000 |
| Family of four (wide range) | 550,000 – 1,050,000 | 900 – 1,700 |
For digital nomads, a comfortable standard of living in Lomé is around 1,100 to 1,270 USD, depending on rent and travel. By comparison, the average monthly budget for a Togolese person is estimated at around 470 to 500 USD.
The cost of living indicators shown can vary considerably depending on the housing standard, choice between international or local schooling, car ownership, and use of domestic staff.
Housing: rents and neighborhoods to target
Lomé concentrates most of the rental supply suitable for expats. Rents vary greatly depending on the neighborhood, size of the property, its level of standing, and proximity to the beach or city center.
In the capital, we observe for example:
| Type of housing in Lomé (furnished) | Monthly range (XOF) | Comments |
|---|---|---|
| Studio in city center | 150,000 – 250,000 | Furnished, central areas |
| Studio or small simple unit | From 115,000 | More popular neighborhoods |
| 1-bedroom residential | 300,000 – 600,000 | Sought-after neighborhoods |
| 1–2 bedroom furnished | 230,000 – 450,000 | Mid-range |
| 3–4 bedroom villa with garden (good neighborhood) | 500,000 – 1,000,000 | Often with guard; sometimes pool |
| High-end villa (secure residence) | Up to 1,500,000 or even 2,000,000 | Secure compounds, seaside |
Neighborhoods like Adidogomé, Agoè, Djidjolé, Baguida, Avedji, or areas near embassies and the beach are very popular with expats. The Tokoin diplomatic district, which houses embassies and international organizations, commands high rents but offers enhanced security. Nyékonakpoè attracts families for its proximity to several international schools. Bè, more popular and lively, offers lower rents at the cost of a noisier environment. Agoè, in the northern outskirts, appeals for its green spaces and attractive prices, but often requires owning a vehicle.
Outside Lomé, rents drop by 30 to 50%. In medium-sized towns and rural areas, decent houses can be found between 20,000 and 50,000 FCFA per month, but with a more erratic level of services (water, electricity, internet).
Landlords often ask for a deposit of 2 to 3 months’ rent, and sometimes quarterly or semi-annual advance payments. The standard lease is one year, renewable, with a three-month notice period to vacate.
Utilities, internet, and energy
Basic utility bills for an apartment of about 85 m² (water, electricity, garbage) generally run between 70,000 and 125,000 FCFA per month, depending on consumption and air conditioning usage. Electricity is the most variable item, with bills often between 9,000 and 25,000 FCFA, or higher if the AC runs continuously.
Unlimited fixed internet, often advertised as 50 to 60 Mbps, costs between 15,000 and 30,000 FCFA monthly. In practice, actual speeds are more like 2 to 4 Mbps, with significant fluctuations and recurrent outages. Power cuts are frequent, leading many expats to invest in UPS systems, or even generators.
Mobile plans, including calls and about ten gigabytes of data, are around 12,500 FCFA per month.
Food, transportation, and services
Basic foodstuffs remain affordable, provided you favor markets and local products. To give some reference points:
The maximum price for a kilo of beef can reach 4,200 FCFA.
Tropical fruits and vegetables (bananas, mangoes, pineapples, papayas, avocados) are abundant in season at very low prices if bought at the market. Imported products (European cheeses, charcuterie, brand-name cereals, chocolates, “American” items), on the other hand, are very expensive and can blow the grocery budget if you get used to them.
For transportation, “zémidjans” (motorcycle taxis) are ubiquitous in Lomé: from 200–300 FCFA for a short ride, up to 1,000 FCFA depending on distance. Shared urban taxis are generally negotiated around 1,000 to 3,000 FCFA depending on the neighborhoods. For intercity travel, minibuses and buses (“trotros”) and bush taxis provide connections for 1,000 to 5,000 FCFA depending on distance.
Gasoline is around 600 to 850 FCFA per liter. Buying a used imported vehicle ranges from 3 to 8 million FCFA for a car 5 to 10 years old; annual insurance, on the other hand, goes from about 200,000 to 500,000 FCFA depending on the profile and vehicle value.
Domestic services, finally, remain relatively accessible for an expat: a part-time housekeeper typically charges between 40,000 and 80,000 FCFA per month; a guard for a villa, between 50,000 and 100,000 FCFA.
Healthcare system: capacities, limitations, and strategies for expats
The Togolese healthcare system is mixed, with on one hand a structured public network (teaching hospitals, regional hospitals, health centers), and on the other a dynamic private sector, particularly in Lomé.
Infrastructure and quality
On paper, the country has several hundred facilities: university hospitals in Lomé (CHU Sylvanus Olympio, CHU Campus), regional hospitals (Kara, Sokodé, Dapaong, Tsévié, Aného…), faith-based hospitals (Baptist Bible Hospital, Saint Jean de Dieu…), private clinics (Clinique Biasa, Clinique du Golfe, Polyclinique Saint Joseph, etc.).
CHU Sylvanus Olympio, the largest hospital in the country, handles the most complex cases (traumatology, major surgery, cardiology, neurology, infectious diseases) and serves as a medical training center. In the north, CHU Kara plays a similar role for a large region.
Private clinics in Lomé, such as Biasa, Clinique du Golfe, Clinique de l’Atlantique or other modern facilities, offer conditions closer to Western standards: shorter wait times, modern equipment, staff often partly trained abroad, and sometimes English-speaking doctors.
The number of doctors per 1,000 inhabitants is estimated at about 0.05.
Health insurance, UHC, and coverage for expats
The country is gradually rolling out a universal health coverage (UHC) system, organized around a scheme for employees (RAMO) and a specific mechanism for the less well-off (RAM). But this developing system is not designed to fully cover an expat’s needs, especially regarding medical evacuation.
For formal sector employees, the National Social Security Fund (CNSS) and the National Health Insurance Institute (INAM) provide a basic reimbursement level, funded by contributions (4% of gross salary for the employee, 12.5% for the employer for the old-age portion, plus specific contributions). However, this base is limited by the capacities of public facilities.
Annual premiums for private international health insurance range from 2,000 to 8,000 USD depending on age, coverage, and deductibles.
Some global companies (AXA, Allianz, MSH, Cigna, Bupa, etc.) operate in Togo through partner healthcare networks. Locally, insurers like GTA Assurance or NSIA market more affordable supplementary plans for residents, but these are not always suitable for an expat who wants to be able to receive treatment outside the country as a last resort.
Vaccines, diseases, and precautions
Two things absolutely must be understood:
– Yellow fever vaccination is mandatory to enter Togo. The international certificate (the famous “yellow card”) must be dated at least 10 days before departure, otherwise you risk being denied boarding or entry;
– Malaria is endemic throughout the country. Appropriate chemoprophylaxis, discussed with a doctor before departure, is strongly recommended, as is the systematic use of treated mosquito nets, repellents, and covering clothing in the evening.
It is advisable to be up to date on routine vaccines (DTP, polio, MMR) and to consider additional protections: hepatitis A and B, typhoid, meningitis (the country is in the African meningitis belt), and rabies for extended stays in rural areas.
Tap water is not considered drinkable; it is therefore wise to drink only bottled or filtered water, and to wash fruits and vegetables thoroughly.
Hospitals and clinics: where to go?
In case of an emergency or need for serious care in Lomé, most expats turn to large private clinics (Biasa, Clinique du Golfe, Saint Joseph, etc.) or, for certain types of pathologies, to CHU Sylvanus Olympio or private hospitals like those of the National Social Security Fund. Outside the capital, faith-based or district facilities (Baptist Bible Hospital, Saint Jean de Dieu, Tsévié hospital, etc.) provide care often appreciated for their community commitment, but sometimes with limited resources.
It is highly recommended, within the first few weeks, to identify:
– a general practitioner or trusted clinic;
– a reference facility for emergencies;
– the exact procedure to activate your insurance assistance (emergency number, documents to provide).
Working, doing business, and paying taxes in Togo
Togo’s economy remains dominated by the informal sector and a few pillars such as agriculture, trade and logistics, phosphates, telecommunications, and financial services. For an expat, opportunities are often concentrated in:
– large international organizations;
– NGOs and development actors;
– private groups in finance, telecoms, or infrastructure;
– expertise and consulting missions;
– starting a business in trade or services.
Job market and salaries
The official unemployment rate was around 3.7% in 2023, but this figure masks significant underemployment and a very high share of informal work. The local workforce is young, with heterogeneous levels of education.
The average net monthly salary in Gabon is estimated at around 150,000 FCFA, or 245 USD.
The employer bears social contributions equivalent to about 17.5% of gross salary (CNSS) and a payroll tax of 3%, while the employee contributes 4% to social security.
Personal and corporate taxation
Personal income tax is progressive, with several brackets:
| Annual taxable income (XOF) | Tax rate |
|---|---|
| Up to 900,000 | 0% |
| 900,001 to 1,500,000 | 10% |
| 1,500,001 to 3,000,000 | 15% |
| 3,000,001 to 5,000,000 | 20% |
| Over 5,000,000 | 25% |
Companies are generally taxed at 27% on their profits, with a reduced rate of 10% for certain agricultural or industrial activities benefiting from specific incentives. VAT applies at 18% on most goods and services; companies with annual turnover exceeding 60 million FCFA are required to register for VAT.
The overall tax burden can reach nearly half of commercial profits for businesses, according to 2019 data.
Starting a business
Starting a business is one of the strong points of Togo’s strategy to attract investors and entrepreneurs. Through a one-stop shop at the Investment Promotion and Free Zone Agency (API-ZF), it is possible to incorporate a company in just a few days.
Capital requirements are relatively modest:
– a SARL (limited liability company) requires at least 1 million FCFA in share capital (a little over 1,600 USD);
– a SA (public limited company) requires 10 million FCFA (about 16,400 USD);
– a sole proprietorship, on the other hand, requires no minimum capital.
For an expat, using a local advisor (law firm, fiduciary) is highly recommended to properly structure the business, anticipate tax issues, and manage registration with the bank, tax authorities, and CNSS.
Housing: neighborhoods, lifestyles, and precautions
The choice of neighborhood will largely determine your quality of life. Lomé offers a fairly varied range of areas, each with its own atmosphere, advantages, and trade-offs.
Adidogomé and Agoè, neighborhoods undergoing rapid expansion, offer a good compromise between tranquility and access to shops. Rents there are generally lower than in seaside areas, but the distance from the center means more travel time, especially without a vehicle. Djidjolé and Agbalépédogan are cited among residential areas popular with upper-middle classes, with 1-2 bedroom apartments between 180,000 and 500,000 FCFA depending on the standard.
Tokoin, near institutions, offers more security but high rents. Nyékonakpoè attracts families thanks to international schools. Baguida, on the seaside but outlying, favors a beachfront lifestyle at the cost of long commutes to the city center.
In popular neighborhoods like Bè or Amoutivé, housing costs are much lower, but nuisances (noise, traffic, relative insecurity at night) are greater.
Some precautions are necessary:
– visit the property at different times of the day to assess noise and traffic;
– check the quality of construction, the condition of the electrical and plumbing systems;
– ensure the presence of a fence, grilles, and ideally a guard for houses;
– clarify from the start what is included in the rent (water, electricity, guard, gardener, internet, garbage, etc.).
Children’s education: local or international schools?
The Togolese education system follows a classic structure: six years of primary school, four years of middle school, and three years of high school leading to the baccalaureate. Public primary education has been theoretically free for several years, but material conditions (large class sizes, limited supplies) remain difficult in many schools.
Lomé offers a diverse range of international schools for expat children, with French, British, American, or international (IB) curricula, which is remarkable given the size of the country.
School fees vary widely:
| Type of school in Lomé | Annual range (XOF) | Observations |
|---|---|---|
| Local private school | 200,000 – 800,000 | Togolese standard, instruction in French |
| International French-speaking school (AEFE type, IB) | 2,000,000 – 4,000,000 | French or IB programs, sometimes boarding available |
| International English-speaking school | 3,000,000 – 5,000,000 | US or UK curricula, IB, small classes |
| Faith-based / alternative international schools | 1,500,000 – 3,000,000 | Bilingual or specific programs |
To these amounts are often added registration fees (up to 500,000–1,000,000 FCFA), uniforms (50,000–100,000 FCFA), school transport (30,000–80,000 FCFA per month), and extracurricular activities. Some employers cover all or part of these costs in their expat package; this is a crucial point to negotiate if you are coming with family.
Success in an expatriation to Togo is not only about administrative or financial matters. Understanding social codes, local values, and safety constraints is just as decisive.
Languages and communication
French is the official language and the language of work, but for most Togolese people, it is a second language. About forty national languages coexist, the most widespread being Ewe and Kabiye. For a French-speaking expat, the language barrier is therefore lower than in many other African countries, but differences in usage and register remain.
In the professional world, communication combines directness in formal meetings and implication for sensitive topics, especially towards superiors. Respect, politeness, and a moderate tone are valued, while blunt criticism and sharp humor are poorly received.
Social customs and daily life
Greetings occupy a central place in social life. Ignoring someone without a “Hello” or “Good evening” is frowned upon. A handshake with the right hand, sometimes with both hands to show respect, is standard, accompanied by questions about family, health, work. The time spent on these exchanges is not considered wasted, but as a social bond.
Society remains broadly patriarchal, with great importance given to the extended family, elders, and traditional authorities. Public displays of affection between spouses are not appreciated, while holding hands between friends of the same sex is common.
Dress code is rather conservative: cover shoulders and knees in formal or religious settings. Married women often cover their heads, and the pagne (wrap cloth) remains a very common garment in daily life.
At home, many expats employ staff for cleaning, gardening, or childcare. This involves adapting to managing a small team, with its own codes (managing salary advances, school support, relationship to time, etc.).
Safety and areas to avoid
Most expats live in Togo without major incidents by following basic safety rules: avoid traveling alone at night in certain neighborhoods, do not flaunt valuables, stay vigilant in taxis and on less crowded beaches, lock doors and windows properly, and be careful when withdrawing money.
The north of the country is sometimes mentioned as more sensitive in international travel advisories, due to proximity to Sahelian instability zones. For a long-term life project, most expats therefore concentrate in Lomé and, to a lesser extent, in Kara for specific assignments.
Preparing for your move: a few priorities
To conclude this overview, a few tasks deserve to be anticipated several months before departure:
Check the exact visa and work permit requirements based on your nationality, profession, and project duration. Take out international health insurance including evacuation and update your vaccinations (yellow fever mandatory, malaria prophylaxis, etc.). Budget for the first month with additional costs (deposit, advance rent, equipment, school fees, internet, vehicle) that could add 500 to 2,000 euros in initial expenses. Learn or brush up on your French, especially administrative and banking vocabulary. Contact expat networks for feedback on neighborhoods, schools, clinics, and banks. Finally, have a backup financial solution (foreign account, multi-currency card, savings) in case of local banking difficulties.
Moving to Togo as an expat means accepting a number of very concrete constraints – power cuts, administrative delays, a healthcare system that could be improved – in exchange for an affordable cost of living, a warm social life, and deep immersion in a society in motion. Thorough preparation on legal, banking, health, and cultural fronts allows turning these challenges into simple adjustments and fully enjoying this pivotal West African country.
An estate planning project or a question? Contact us now to speak with a wealth management expert.
Disclaimer: The information provided on this website is for informational purposes only and does not constitute financial, legal, or professional advice. We encourage you to consult qualified experts before making any investment, real estate, or expatriation decisions. Although we strive to maintain up-to-date and accurate information, we do not guarantee the completeness, accuracy, or timeliness of the proposed content. As investment and expatriation involve risks, we disclaim any liability for potential losses or damages arising from the use of this site. Your use of this site confirms your acceptance of these terms and your understanding of the associated risks.
Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
