Work permission comes before the contract
Employer-sponsored 9(g): 1–3 years based on the contract, DOLE/AEP permission and immigration processing. An announced nomad visa is not treated as open without a verified application process.
9(g) — employer-sponsored employment. One, two or three years based on contract and BI decision
Check permitted activityForeign-company employees, freelancers, local employees and owner-directors are different legal scenarios. Company registration does not automatically authorize personally working for that company.
When tax obligations arise
Tax residence
There is no universal “183 days = resident” rule. For a non-resident alien, over 180 days relates to engaging in business, not automatic resident classification.
Residence ruleRates & limitations
Philippine-source income generally matters for aliens. Services physically performed in the country require analysis even with an overseas client. The rate depends on tax classification; foreign payment does not settle source.
Tax authority sourceRates are marginal: they apply to the relevant slice of taxable income, not all earnings. A foreign client, crypto payment or offshore account does not automatically make income tax-free. Social contributions, VAT, deductions and treaties need separate analysis.
What to bring to a bank
- Passport and immigration-status evidence; local identification number if required.
- Address evidence: lease, registration or utility bill as specified by the chosen bank.
- Tax IDs and tax-residence countries; CRS/FATCA self-certification when requested.
- Regular income evidence: employment contract and recent payslips, or freelance agreements, invoices and statements.
- Origin of savings: statement trail, property sale or inheritance records. For crypto, keep purchase, trade and withdrawal history—not just a wallet balance.
Income source matters for foreigners: services physically performed in the Philippines do not become foreign-source merely because the payer is overseas. This is a preparation pack, not an account-opening guarantee.
Crypto: country rules, payments & cash-outWork, business & investment
Before buying a business, separately verify debt, licenses, staff, lease, accounts and your residence basis. A purchase agreement does not replace immigration approval. When networking, check the legal entity and counterpart's track record before transferring funds.
Work, business & investment routes