| TL;DRAntigua & Barbuda is the best citizenship by investment program for a family in 2026. One gift of $230,000 covers you, a spouse, and up to three kids. You can add parents, grandparents, and siblings too. Want a path to the US? Grenada is the family pick. Most families get an approved passport in about 3 to 6 months. |
Want the best citizenship by investment program for your family? Pick Antigua for value. Pick Grenada for US access. This 2026 guide ranks the five Caribbean programs by family cost, dependant rules, and speed. Now you can choose with ease.
What is the best citizenship by investment program for a family in 2026?
Antigua & Barbuda is the best all-round pick for families. One gift of $230,000 covers you, your spouse, and up to three kids. You can add parents, grandparents, and single siblings too. Do you want a way to live and work in the US? Then Grenada is the better fit. Both are strong picks. The right one comes down to your family size and your plans. Want to see how they stack up? You can compare every Caribbean program in one place with a licensed agent like CTrustGlobal.
How much does citizenship by investment cost for a family of four?
A family of four pays $230,000 to $250,000 on the gift route, plus fees. Antigua & Barbuda is the cheapest at $230,000. Dominica and St Kitts & Nevis sit at the top of that range. Each program adds government, vetting, and passport fees on top of the numbers below.
| Program | Family of 4 | Extra dependant | Who counts as a dependant | Timeline | Standout family perk |
| Antigua & Barbuda (NDF) | $230,000 | +$10,000 (5th person on) | Spouse, kids under 30, parents/grandparents 55+, siblings | 3 to 6 mo | Broadest rules; UWI option for big families |
| Grenada (NTF) | $235,000 | Confirm with agent | Spouse, children, parents, grandparents, siblings | 3 to 6 mo | Only US E-2 visa path |
| Saint Lucia (NEF) | $240,000 | Varies by age | Spouse plus up to 3 dependants | 4 to 9 mo | Flexible fund and bond options |
| St Kitts & Nevis (SISC) | $250,000 | +$25k under 18 / +$50k 18+ | Spouse, children, parents, grandparents | 4 to 6 mo | Strongest passport, oldest program |
| Dominica (EDF) | $250,000 | +$25k under 18 / +$40k 18+ | Spouse, children, parents, grandparents | 3 to 6 mo | Lowest single-applicant price |
You can check the $250,000 family rate on the St Kitts and Nevis investment options page, and see the fund fees on Dominica's Economic Diversification Fund terms before you commit. Grenada holds a flat $235,000 for a family of up to four, and your agent checks the fee for each extra person.
Which citizenship by investment program is best for large families?
Antigua & Barbuda is best for big families. Its University of the West Indies (UWI) Fund lets a family of six or more join for one flat gift of $260,000. One family member also gets a free year of study at a UWI campus. No other program offers a fixed price and a study perk this way.
Which program includes the most dependants?
Antigua & Barbuda adds the most family members. You can add a spouse, kids under 30, parents and grandparents aged 55 and up, and single siblings. Dominica, St Kitts & Nevis, and Grenada cover a spouse, kids, parents, and grandparents. Grenada also counts a spouse's kids. The government lists who fits and what each person costs on Antigua's official dependant rules and fees, so you can plan the full cost.
Which family citizenship program gives access to the United States?
Only Grenada gives your family a path to the US. Grenada holds a treaty for the US E-2 investor visa. That treaty lets a citizen apply to live in the US and run a firm. Does a US move sit in your plan? Then Grenada belongs near the top.
How fast can a family get a second passport?
Most families get an approved passport in about 3 to 6 months. St Kitts & Nevis is known for speed. It often clears a clean file in 4 to 6 months. Your clock starts from a full, correct file. Missing papers slow things down. A good agent checks every file first. That keeps your family on the fast track.
What should families check before they apply?
Check dependant ages, your proof of funds, and the small print first. A few things trip families up:
• The Antigua visit rule: the main person must spend 5 days there in the first 5 years.
• Interviews: applicants aged 16 and up sit a short interview as part of the checks.
• Travel review: since December 2025, the EU has looked at visa-free Schengen access for CBI countries. Travel rules can shift.
Rules and fees change often. So check your family's spot with a licensed agent before you pay. You can build a shortlist for your family in minutes with the CTrustGlobal tool, then book a call to lock in your route.
Key takeaways
• Antigua & Barbuda is the best all-round family program at $230,000 for four.
• Grenada is the only program with a US E-2 investor visa path.
• A family of four pays $230,000 to $250,000 on the gift route, plus fees.
• Antigua's UWI Fund covers six or more people for one $260,000 gift.
• Only Antigua asks for a short 5-day visit. The other four ask for none.
Frequently asked questions
What is the best CBI program for a family?
Antigua & Barbuda is the best for most families. It covers a spouse and up to three children for $230,000, and you can add parents, grandparents, and siblings. Grenada suits families who want a path to the United States.
Which programs include dependants?
All five Caribbean programs include a spouse and children. Antigua, Dominica, Grenada, and St Kitts also add parents and grandparents. Antigua goes furthest and includes unmarried siblings.
How much does citizenship by investment cost for a family of four?
A family of four pays $230,000 with Antigua, $235,000 with Grenada, $240,000 with Saint Lucia, and $250,000 with St Kitts or Dominica. Government and due diligence fees apply on top of these amounts.
Which CBI program has the fastest processing?
St Kitts & Nevis is known for the fastest clean-file processing, often 4 to 6 months. Most other programs approve a complete family file in about 3 to 6 months.
Glossary
• CBI: citizenship by investment. You gain citizenship by making an approved investment.
• Dependant: a family member you add to your application, such as a spouse or child.
• EDF: Economic Diversification Fund, Dominica's donation route.
• NDF: National Development Fund, Antigua's donation route.
• SISC: Sustainable Island State Contribution, St Kitts' donation route.
• NTF: National Transformation Fund, Grenada's donation route.
• UWI Fund: University of the West Indies Fund, Antigua's option for large families.
• E-2 visa: a US investor visa that lets you run a business in the United States.
• Due diligence: the background check every applicant must pass.
Get a personalized shortlist for your family
Tell CTrustGlobal about your family. The team picks the right program for your budget, your dates, and every person. You can check your family's eligibility at no cost. As a licensed citizenship by investment firm with 30 years of work, CTrustGlobal stands out as the best CBI agent in Dubai for families who want a second passport.