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Digital Nomad Visa for Remote Work

Digital Nomad Visa for Remote Work

In recent years, the concept of remote work has gained significant traction, enabling individuals to work from anywhere in the world. This has opened up exciting opportunities for those who wish to combine their love for travel with their professional aspirations. With the rise of remote workers, the possibility of working while travelling abroad has become a reality.

Special Digital Nomad Visas

To accommodate this growing trend, numerous countries have recognized the value of attracting digital nomads and have introduced special visas tailored to their needs. These visas are designed to facilitate a smooth transition for remote workers, granting them legal permission to work and stay in the host country for an extended period.

The Impact of the Pandemic

The COVID-19 pandemic has played a significant role in accelerating the adoption of digital nomad visas. As travel restrictions and lockdown measures were imposed worldwide, businesses and individuals were forced to embrace remote work as a means to continue their operations. This shift in work culture has led to a surge in the number of people considering remote work as a viable lifestyle choice.

Expanding Opportunities

Since the outbreak of the pandemic in 2020, many countries have recognized the potential economic benefits of attracting remote workers and have launched their own digital nomad visa programs. These initiatives aim to entice professionals from around the world to work remotely from their picturesque destinations, stimulating local economies and promoting cultural exchange.

Conclusion

The rise of remote workers and the introduction of digital nomad visas have transformed the way people work and travel. The concept of working abroad as a digital nomad has become increasingly popular, and countries are seizing this opportunity by providing dedicated visa programs. With these developments, individuals can now embrace a location-independent lifestyle while exploring the world and pursuing their professional ambitions.

Understanding the Digital Nomad Visa

In recent years, a new visa option has emerged for remote workers seeking to explore the world while maintaining their jobs. Known as the "digital nomad visa," this special type of visa allows individuals to work from another country for an extended period.

Rise in Popularity during the Pandemic

The concept of digital nomad visas gained significant popularity during the COVID-19 pandemic. With widespread office closures and strict lockdown measures in place, many people transitioned to remote work setups from the comfort of their homes. As remote work became the new norm, a desire to explore different countries while continuing professional activities emerged among professionals.

Authorization for Remote Work Abroad

To meet this growing demand, various countries across the globe introduced their own digital nomad visa programs. Unlike traditional visa options such as tourist or business visas, which typically do not cover remote work, digital nomad visas cater specifically to individuals engaged in remote work activities. These visas provide legal authorization for individuals to travel to another country and work remotely from there.

Bridging the Gap between Work and Travel

Digital nomad visas bridge the gap between work and travel, offering a unique opportunity for individuals to experience the wonders of different countries while maintaining their professional commitments. These visas allow remote workers to immerse themselves in new cultures, explore diverse landscapes, and build international networks—all while earning a living remotely.

In summary, digital nomad visas have emerged as a compelling option for remote workers seeking to embrace a location-independent lifestyle. With the introduction of these visas, individuals can now embark on exciting journeys, working from stunning destinations around the world without compromising on the legality of their remote work arrangements.

Do You Require a Visa to Pursue Digital Nomadism?

Working in another country without the necessary visa is strictly prohibited. To work remotely while abroad legally, a digital nomad visa is required. The laws and regulations surrounding this issue vary from country to country, but in general, foreigners are not permitted to engage in paid work without a valid visa.

  • Most, if not all, states and territories enforce strict regulations that prohibit foreigners from performing paid work without the appropriate visa.
  • Traditional work visas primarily target individuals seeking employment within the destination country, rather than those who wish to continue their current remote jobs.
  • Recognizing the growing trend of remote work, many countries have introduced a digital nomad visa tailored specifically for this type of worker.

Remember to consult the specific requirements and regulations of the country you plan to work in, as each nation may have different rules regarding remote work and visas.

Countries Offering Digital Nomad Visas

Numerous nations currently offer digital nomad visas to cater to the growing population of remote workers.

Estonia pioneered the concept of a remote work scheme with its groundbreaking "e-residency program" back in 2014, even predating the global pandemic. To be eligible for this program, applicants must meet a specific monthly income threshold.

Since the onset of the pandemic, an increasing number of countries have followed suit and implemented their own digital nomad visa initiatives. These programs were designed to accommodate the rising trend of remote work as it became increasingly prevalent worldwide.

Countries and territories that currently have a digital nomad visa include the following:

Anguilla

Anguilla offers a special visa program that enables remote workers to reside in the country for a period ranging from 91 days to 12 months.

In order to qualify for this visa, you need to meet the following requirements:

  1. Present evidence of employment or demonstrate that you own a business.
  2. Obtain a police background check to ensure a clean record.
  3. Fulfill the visa fee payment, amounting to $2,000 USD per individual or $3,000 USD for families.

Antigua and Barbuda

Antigua & Barbuda offers the Nomad Digital Residence (NDR) program, a two-year initiative designed for remote workers and their families.

To be eligible for the NDR, applicants must either own a business that can be operated from any location or be employed by a company located outside of Antigua & Barbuda. Additionally, applicants are required to have a minimum annual income of USD $50,000 and possess valid health insurance.

The visa fees for the NDR program are as follows: $1,500 for an individual, $2,000 for a couple, and $3,000 for a family consisting of three or more members.

Argentina

Digital nomads have the opportunity to seek a temporary resident visa for Argentina, allowing them to stay in the country for a period of 6 months. If desired, this visa can be extended for an additional 6 months.

Please note that this particular visa option is exclusively open to individuals who do not require a tourist visa to enter Argentina. To apply, interested individuals must provide a comprehensive curriculum vitae (CV) along with documentation that verifies their work association with at least one employer.

Aruba

Aruba participates in the Caribbean short-stay visa program for remote workers, allowing individuals to stay for a maximum of 90 days.

To qualify for this visa, you must meet the following requirements:

  1. Possess a return ticket.
  2. Provide proof of accommodation.
  3. Demonstrate sufficient income to sustain yourself during your stay.

Bahamas

The Bahamas Extended Access Travel Stay program caters to individuals such as digital nomads, freelancers, remote workers, and students seeking an extended stay in the country.

This visa grants a validity of 1 year initially, and there is an option to renew it for an additional 3 years if desired.

To apply for the program, interested individuals are required to pay an application fee and a permit fee, totaling USD $1,025. Additionally, applicants must provide a letter from their present employer or demonstrate proof of self-employment, confirming their income.

Barbados

Barbados extends a warm invitation to digital nomads seeking a workspace in paradise through the innovative program known as the Barbados Welcome Stamp. This unique visa enables individuals to pursue their professional endeavors on the island for a duration of one year.

To qualify for the Barbados Welcome Stamp, applicants are required to engage in remote work for an organization situated outside the borders of Barbados. Additionally, they must demonstrate an annual income of at least USD $50,000.

The visa fee for individuals stands at $2,000, while families are required to pay $3,000, allowing them to embark on this exciting journey together.

Belize

Belize offers the Work Where You Vacation program, designed to grant temporary residency to remote workers for a duration of 6 months, with the option to request an extension if needed.

To be eligible for the program, applicants must have employment outside of Belize and demonstrate an annual income of at least $75,000, or $100,000 if they are accompanied by their family.

Additionally, participants are required to obtain a travel insurance policy with a minimum coverage of $50,000 and provide evidence of a clean criminal record.

Bermuda

The Work From Bermuda initiative caters to digital nomads who are either self-employed or engaged in remote work for companies located outside of Bermuda.

Unlike traditional visas, this program does not impose any minimum income prerequisites. Applicants are only required to obtain travel insurance.

Cape Verde

Cape Verde offers the Cabo Verde Remote Working Program, enabling remote workers to reside for a maximum of 6 months, with the possibility of extending their stay.

Eligibility for the program is limited to individuals from Europe, North America, the Community of Portuguese Speaking Countries (CPLP), or the Economic Community of West African States (CEDEAO).

Applicants are required to maintain an average bank balance of at least EUR €1,500 over the preceding 6-month period.

Cayman Islands

The Cayman Islands introduces a fresh visa option designed specifically for remote workers, known as the Global Citizen Concierge Program (GCCP). This program allows approved individuals to reside and carry out their work within the country for a maximum period of two years.

To be eligible for the GCCP, applicants are required to demonstrate a minimum annual salary of USD $100,000. For couples, the combined minimum salary requirement is set at USD $150,000.

Croatia

Croatia offers a dedicated visa program for digital nomads, granting them a stay of up to 12 months. To be eligible, individuals must be citizens of a country outside of Croatia and employed by a company that is not based in Croatia.

Prospective applicants are required to provide evidence of their employment in the field of communication technology for a foreign employer. Additionally, they must present a bank statement demonstrating a minimum balance of HRK 28,800 (equivalent to USD $4,544.81).

Curaçao

The @Home in Curaçao program is open to individuals leading a digital nomad lifestyle.

To be considered for the program, applicants must provide evidence of any one of the following:

  1. A valid contract with a foreign company.
  2. Being a partner or shareholder in a foreign company.
  3. Working remotely as a freelancer, digital nomad, or remote worker, serving clients who are foreign citizens residing outside of Curaçao.

Cyprus

Cyprus offers a digital nomad visa program catering to self-employed individuals or freelance remote workers. However, it's worth noting that this program currently accepts only a maximum of 100 applications.

The visa grants a validity period of one year, and there is an opportunity to request an extension for an additional two years. To be eligible for the visa, digital nomads are required to have a monthly income of at least EUR 3,500.

Under this visa scheme, the spouse and children of the visa holder have the privilege of living in Cyprus, provided they do not engage in unpaid activities. It is important to mention that the digital worker must earn an extra 20% of the minimum required income for their spouse and an additional 15% for each dependent child.

Czech Republic

The Zivno visa, also known as the digital nomad visa, is now available in the Czech Republic. This visa permits individuals to reside and work in the country for up to a year, with the possibility of extending it further.

However, the prerequisites for this visa are more stringent than those for other similar programs. 

To apply for this visa, candidates must meet the following requirements:

  • Possession of a trade license for an approved trade.
  • Verification of accommodation for a minimum of one year.
  • A bank statement that demonstrates a balance of at least €5,587.
  • Payment of approximately USD $80 per month in local taxes.

Dominica

The Dominican Republic offers the Work in Nature Visa, providing an opportunity for individuals such as remote workers, digital nomads, and freelancers to reside and work in the country for a duration of up to 18 months.

To be eligible for this visa, applicants are required to demonstrate an annual income of no less than USD $50,000. Additionally, there is a visa fee of USD $800 for individuals and USD $1,200 for families that must be paid during the application process.

Dubai

Dubai offers a visa for remote work and travel. In order to qualify for this visa, you will need to provide the following documentation:

  • Valid medical insurance that is recognized in the UAE.
  • Proof of employment.
  • A one-year employment contract.
  • Monthly statements of your salary.

Ecuador

Ecuador presents a temporary residence visa program tailored for remote workers who either operate their own business or are employed by a foreign company. This visa enables individuals to reside in the country for a duration of 2 years.

To be eligible for the visa, applicants must demonstrate a consistent income level. This entails proving a minimum monthly earnings of USD $1,275 for the preceding 3 months, or a total income of USD $15,300 over the course of the past year.

Estonia

Estonia offers a special visa program designed for digital nomads, granting qualified individuals the opportunity to reside and engage in professional activities within the country for a maximum period of one year.

To be eligible for this visa, it is necessary to either possess a location independent business or be employed by a company that operates outside of Estonia. Moreover, applicants are required to demonstrate a consistent monthly income of at least €3504 over the preceding six months.

Georgia

The Remotely From Georgia Program welcomes digital nomads, remote workers, and entrepreneurs from 95 countries who choose to work remotely. This initiative grants the opportunity to stay and work in Georgia for a period of up to one year, distinguishing itself as one of the rare digital nomad programs that come at no cost.

To be eligible for this program, applicants need to demonstrate a monthly income of at least $2000. Alternatively, they can present a bank statement with a minimum balance of $24,000.

Germany

Germany offers two distinct visas for digital nomads: the Freiberufler visa and the Aufenthaltserlaubnis für selbständige Tätigkeit.

The Freiberufler visa can be renewed for a maximum duration of 3 years. To qualify, your occupation must fall under the category of a liberal profession rather than a commercial one. It is essential to fulfill your tax obligations to the German government while residing in the country.

The Aufenthaltserlaubnis für selbständige Tätigkeit visa grants digital nomads and self-employed individuals the opportunity to live and work in Germany for a period ranging from 6 months to 3 years. To be eligible, you need to engage in professional activities with clients based in Germany.

Hungary

Hungary offers a visa known as the White Card specifically designed for digital nomads. This visa is open to non-EU investors, entrepreneurs, and remote workers who wish to live and work in Hungary. The White Card is essentially the Hungary D Visa or Type D Visa for Hungary.

To qualify for the digital nomad visa, applicants must demonstrate a minimum monthly income of at least EUR €2,000. This requirement ensures that individuals have a stable financial standing while residing in Hungary.

The White Card is initially issued for a duration of 1 year, granting holders the freedom to live and work in Hungary during that period. However, there is the possibility to request an extension for an additional year, allowing digital nomads to prolong their stay in the country.

Iceland

Iceland offers a convenient long-term visa option for remote workers, which remains valid for a duration of 6 months. However, if you submit your application while already present in the Schengen area, the validity period reduces to 90 days.

To be eligible for this visa, you need to be a citizen of a country outside the EU/EEA/EFTA and should not have received a long-term visa within the past 12 months.

The program requires a payment of $61 as its associated cost, and it is mandatory to demonstrate a minimum monthly income of $7,777.

Indonesia

The Indonesian government is presently engaged in developing a 5-year visa specifically designed for digital nomads and remote workers.

As per the latest proposals, individuals interested in obtaining this visa would be required to submit a deposit amounting to USD $142,300 per person, while families would need to deposit USD $178,000.

Latvia

The digital nomad visa offered by Latvia enables individuals engaged in remote work to reside and work within the country for a period of one year, with the option to prolong their stay for an additional year.

To be eligible for this visa, applicants must either hold citizenship or residency in a country that belongs to the Organization for Economic Cooperation and Development (OECD). Examples of such countries include Canada, Israel, Japan, Mexico, New Zealand, Turkey, the United Kingdom, and the United States.

Furthermore, applicants need to be employed by an organization recognized by the OECD or be self-employed with a registered company operating in an OECD member state.

The application procedure necessitates providing evidence of a minimum of six months' worth of remote income and demonstrating a monthly earning of at least EUR €2,857.50.

Malaysia

Malaysia introduces an enticing opportunity for remote workers with its digital nomad visa, commonly referred to as the "Nomad Pass." This initiative grants individuals the chance to reside in the country for a duration ranging from 3 to 12 months.

Moreover, for those seeking an extended stay, the Nomad Pass offers the possibility of renewing the visa at the conclusion of the initial year, permitting an additional 12 months in Malaysia.

To be eligible for the Malaysia Nomad Pass, applicants are required to meet the following criteria:

  1. Maintain a minimum annual income of $24,000.
  2. Possess a clean criminal record.
  3. Possess health and travel insurance coverage.

To commence the application process for the Malaysia Nomad Pass, ensure that your passport remains valid for a minimum of 14 months. Additionally, applicants must furnish evidence of their income and ability to engage in remote work.

Malta

Malta offers an enticing opportunity for remote workers through its Digital Nomad Residency program. This program grants individuals the chance to reside in Malta while working remotely. Initially, the visa is valid for a period of 6 months, but participants have the option to extend it to a 1-year "Nomad Residence Permit."

To qualify for this program, applicants need to demonstrate a minimum monthly income of EUR €2,700. Additionally, it is mandatory for participants to acquire health insurance that covers the entire duration of their stay in Malta.

Mauritius

Mauritius presents a digital nomad visa that grants individuals the opportunity to reside and work in the country for a duration of 1 year, with the possibility of extending it. The visa comes at no charge.

To qualify for the visa, interested parties must be citizens of a country deemed eligible by Mauritius and employed by a foreign company. Additionally, applicants must obtain travel insurance and present proof of a return ticket.

To meet the eligibility criteria, applicants must earn a minimum of USD $1500 per month. If bringing dependents, they must also earn an extra USD $500 per dependent.

Mexico

Mexico provides a temporary resident visa program that grants remote workers the opportunity to reside and work in the country for a period ranging from 1 to 3 years.

To be eligible for this visa, individuals must either own a business that can operate remotely or be employed by a company located outside of Mexico.

Applicants are required to demonstrate a minimum monthly income of USD $1,620 or maintain a bank balance of at least USD $27,000.

Montserrat

The Montserrat Remote Workers Stamp is available for digital nomads, granting a 12-month visa to individuals who work remotely or own businesses from overseas.

Applicants for Montserrat's remote worker visa must have a minimum annual income of at least USD $70,000.

North Macedonia

North Macedonia is in the process of developing a digital nomad visa program, designed to accommodate remote workers seeking to reside and work within the country for a maximum duration of one year.

Presently, the predominant approach for digital nomads entering North Macedonia involves obtaining a temporary resident visa.

Norway

Norway offers the Independent Contractor Visa, designed to accommodate qualified remote workers who wish to reside in the country and engage in work for a maximum period of 2 years.

To be eligible for this visa, applicants must demonstrate that they are self-employed individuals operating an established business outside of Norway. Additionally, they must provide evidence of a contractual agreement with a client based in Norway. Furthermore, it is essential for applicants to showcase their professional qualifications that align with their chosen line of work.

In order to meet the requirements for the Independent Contractor Visa, applicants must also exhibit a minimum gross annual income of €35,719.

Panama

Panama offers the Short Stay Visa for Remote Workers, designed specifically to cater to digital nomads employed by international companies who wish to stay in the country for an extended period. This visa allows individuals to enjoy a stay of up to 9 months, with the opportunity to prolong their time for an additional 9 months.

To qualify for this visa, applicants are required to demonstrate a minimum annual income of USD $36,000.

Portugal

Portugal is now offering a one-year digital nomad visa to remote workers who are not citizens of the European Union (EU) or European Economic Area (EEA).

To be eligible for the visa, applicants must earn a minimum of €2,800 per month.

In order to apply, individuals will need to visit a Portuguese embassy, consulate, or immigration agency (Serviço de Estrangeiros e Fronteiras), and submit documents such as proof of income, tax residency, and a contract of employment or evidence of self-employment.

Romania

The Romanian government is currently exploring the introduction of a fresh visa program tailored for digital nomads and their families. This proposed policy aims to extend the duration of stay and work in Romania beyond what is typically allowed under a tourist visa.

Prospective applicants would be required to demonstrate their employment with a non-Romanian company, possess valid health insurance coverage, and provide evidence of a clean criminal record.

Saint Lucia

Saint Lucia offers the Live It program, a visa specifically designed for remote workers. This policy grants eligible digital nomads a 12-month multiple-entry visa along with the freedom to work remotely during their stay.

One of the notable advantages of this program is that there are no specific minimum income requirements to fulfill. However, during the application process, individuals are asked to provide information regarding the amount of funds they intend to bring into the country.

Seychelles

The Republic of Seychelles has implemented the Workcation Program, an initiative catering to individuals engaged in remote work, offering them the opportunity to extend their stay for a duration of up to one year.

To be eligible for participation in the program, applicants are required to furnish evidence of their employment with a foreign company along with documentation substantiating their income.

Spain

Spain offers a self-employment visa that enables digital nomads from both EU and non-EU countries to reside and engage in work activities within the country for a duration of up to one year.

To be eligible for this visa, applicants are required to provide evidence of possessing adequate financial resources to establish and sustain their self-employment endeavors in Spain.

Furthermore, the Spanish government is actively developing a start-up visa program designed to facilitate the establishment of new businesses by foreign entrepreneurs in Spain.

Taiwan

Taiwan offers the Employment Gold Card Visa, originally intended to attract foreign talent to Taiwanese companies, but it has also become popular among digital nomads.

Successful applicants of this program can enjoy a stay in Taiwan for a period ranging from 1 to 3 years. They have the flexibility to work for any company, regardless of its location, and they are even permitted to establish their own businesses.

To be eligible for the program, applicants must be engaged in one of the following fields: science and technology, economics, education, culture and art, sports, finance, law, or architecture. However, individuals earning over 160,000 TWD per month (equivalent to approximately USD $5,600) may still qualify for the program.

Obtaining a Digital Nomad Visa: Step-by-Step Guide

The process of applying for a digital nomad visa can vary depending on the destination country or territory. While there are some general guidelines, it is essential to research the specific requirements and procedures for each location.

  1. Embassy or Consulate: In most cases, applicants need to submit their visa application at an embassy or consulate. This typically involves gathering the necessary documents, such as a valid passport, proof of income or employment, and any additional forms or fees required by the country.

  2. Online Applications: Some destinations may offer the convenience of applying for a digital nomad visa online. This can streamline the process and eliminate the need for in-person visits to consulates or embassies. Applicants should check if online applications are available and follow the specified steps for submission.

It's important to note that digital nomad visas are often designed to attract remote workers and encourage economic growth in the host country. Therefore, compared to traditional work visas, the application process for digital nomad visas tends to be more straightforward, with less paperwork and requirements.

By simplifying the application process, countries aim to make it easier for digital nomads to travel and work remotely, promoting tourism, and boosting local economies.

Application Process for a Digital Nomad Visa

To apply for a digital nomad visa, you generally need to go to an embassy or consulate belonging to the destination country. Depending on the country or territory you plan to travel to, you may need to download and complete the application form beforehand or you might be required to complete it at the embassy or consulate itself.

Steps for Application

  1. Visit the embassy or consulate: Locate the embassy or consulate of the destination country where you wish to apply for a digital nomad visa.

  2. Download or complete the application form: Depending on the country's requirements, you may need to download the application form in advance or fill it out at the embassy or consulate.

  3. Prepare supporting documents: Gather the necessary supporting documents for your visa application. The list of required items varies depending on the destination. Ensure that you check the specific requirements before submitting your application.

  4. Submit your application: Once you have completed the application form and gathered all the required documents, submit your application at the embassy or consulate. Follow any additional instructions provided by the authorities.

Remember to carefully review the visa application process and requirements for the specific country you intend to visit, as they may vary.

Essential Documents for a Digital Nomad Visa Application

To apply for a digital nomad visa, you will need to gather several essential supporting documents. These documents are necessary to prove your eligibility and ensure a smooth application process. The following list outlines the key documents typically required:

  1. Valid passport: A valid passport is the primary identification document required for your digital nomad visa application. Make sure your passport has a sufficient validity period before applying.

  2. Proof of income over a certain threshold: You will need to provide evidence of a regular income that exceeds a specific threshold. This requirement ensures that you can support yourself financially while living as a digital nomad.
  3. Proof of clean criminal record: Many countries and territories require a clean criminal record as part of their visa application process. This serves to ensure the safety and security of their residents and visitors.

  4. Proof of current employment and/or evidence of remote work capability: To demonstrate your ability to work remotely, you may need to provide proof of current employment or other evidence showcasing your remote work arrangement. This can include employment contracts, client agreements, or a letter from your employer.

  5. Bank statement: A bank statement showing your financial stability can support your application. It helps to prove that you have sufficient funds to cover your expenses while living as a digital nomad.

  6. Health insurance policy: Many countries and territories require proof of health insurance coverage to protect both you and their healthcare system. Make sure to obtain a suitable health insurance policy that meets the visa requirements.

Additionally, it's important to note that most digital nomad visa applications involve a visa fee. The specific price varies significantly depending on the country or territory you're applying to. It's essential to research the visa fees associated with your desired destination to ensure you budget accordingly.

By compiling these supporting documents and paying the necessary visa fee, you can confidently apply for a digital nomad visa and pursue your location-independent lifestyle.

Timelines for Obtaining a Digital Nomad Visa

The processing time for digital nomad visas can vary depending on the issuing country and the volume of applications at the time.

Here are some key points to keep in mind:

  • Processing times can vary widely depending on the country.
  • Some applicants may receive their visa within a week.
  • Others may have to wait several weeks before receiving their visa.

Overall, it's important to be patient when applying for a digital nomad visa and to plan ahead to avoid any delays.

Frequently Asked Questions About Digital Nomad Visas

How much does a digital nomad visa cost?

The cost of a digital nomad visa varies depending on the destination. Certain countries offer these visas free of charge, while others can cost upwards of USD $1,000. The majority of digital nomad visas have a fee of around USD $200-$500.

Do digital nomads pay tax with this type of visa?

In many cases, digital nomads do not have to pay income tax on the income they earn while working remotely from overseas. However, the rules may vary depending on the country where they live and their company is based, and the country or territory they are working from. It is important to check the tax laws of both countries before becoming a digital nomad to ensure that you declare any income if necessary and do not break any laws.

What is the validity of a Digital Nomad Visa?

Digital nomad visas may be valid for different periods of time depending on the country of issue. Many allow remote workers to stay for extended periods, including up to a year, or even longer in some cases. Others are valid for a matter of months and must then be renewed. Check the criteria of the visa for your destination country before applying to make sure you understand the rules for that digital nomad visa.

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