Living in Fiji: the ultimate expat guide

Relocating to Fiji requires navigating several visa options depending on your purpose. The country maintains a relatively open immigration policy, particularly for citizens of many countries who benefit from visa exemptions for short stays. For longer-term relocation, specific procedures must be completed through the Ministry of Immigration.

Visa exemptions and tourist visits

Citizens of numerous countries including European Union member states, the United States, the United Kingdom, Australia, and New Zealand are exempt from visa requirements for tourist visits. A visitor permit is issued upon arrival, valid for up to 4 months. For longer stays, you can apply for a Visitor Visa available as single journey (valid 3 months) or multiple entry (valid 12 months with maximum 4-month stays per entry). Processing time is 14 working days. Important: these permits don't allow employment in Fiji.

Work and business permits

To work professionally in Fiji, a Work Permit is mandatory. This permit covers several categories: salaried employment, business activities, investment, or consultancy. Validity varies by contract type: 1 year or less for temporary permits, 3 years or more for long-term permits. Since April 23, 2025, procedures have been tightened under the Immigration Act 2003. A sponsorship letter from a local company is typically required. The Business Permit is specifically designed for entrepreneurs establishing a business or investing in the country. These applications require a complete dossier demonstrating project viability and contribution to the Fijian economy.

Other permit types

The Student Permit applies to individuals enrolled in Fijian educational institutions, whether local schools or universities like the University of the South Pacific. For those with overseas assets ensuring financial self-sufficiency, a Residence Permit can be requested. This permit particularly appeals to retirees with regular income from abroad.

Required documents and procedure

The standard procedure involves several steps. First, verify your visa exemption status based on nationality, then submit your application online or directly at the immigration office. Essential documents include a valid passport, three recent passport photos, proof of sufficient funds, a confirmed return ticket, and accommodation confirmation. Fees vary by visa type. For additional information, the Ministry of Immigration website provides updated details and application tracking.

Fiji's job market presents varied opportunities, particularly in tourism-related sectors and services. With relatively low unemployment and a developing economy, Fiji attracts qualified professionals across multiple fields. For entrepreneurs, the country offers a favorable business environment with streamlined procedures and tax incentives.

The Fijian job market

Fiji's unemployment rate stands at approximately 4.2-4.3% according to 2023 data, indicating a relatively dynamic economy. The average salary reaches FJD 5,000 per month (approximately USD 2,228 or GBP 1,750), while the median salary sits at FJD 4,500 monthly (approximately USD 2,006 or GBP 1,575). Since April 1, 2025, the minimum wage increased to FJD 5 per hour (approximately USD 2.23 or GBP 1.75), up from FJD 4.50. These figures remain modest compared to Western standards, but the proportionally lower cost of living maintains reasonable purchasing power.

Sources: Remote People, Trading Economics, MacroTrends, Fiji Government (2023-2025 data)

Key sectors for expats

The tourism sector remains the backbone of Fiji's economy, representing 40% of GDP. Hotels, resorts, travel agencies, and related services regularly recruit qualified staff. Agriculture generates significant exports and offers opportunities in agri-business. Financial services are expanding as Fiji establishes itself as a regional Pacific hub. The information technology sector is growing rapidly, attracting software development and digital services companies. Finally, manufacturing, particularly in textiles and garments, continues employing a substantial workforce.

Starting a business in Fiji

Establishing a business in Fiji follows a relatively accessible procedure. The first step involves registering your business name with the Registrar of Companies (ROC). Next, obtain a Tax Identification Number (TIN) from the Fiji Revenue & Customs Service (FRCS), then register as an employer with the Fiji National Provident Fund (FNPF). Registration with the Training Levy through Fiji National University is also required. Finally, compliance certificates for fire safety and occupational health/safety must be obtained. The online businessNOW e-Services system streamlines these procedures.

Registration fees start from FJD 250 (approximately USD 111). Budget for legal and accounting consultation fees between FJD 500-2,000, notary fees of FJD 50-150, and monthly accounting services from FJD 100. Annual tax filings cost between FJD 500-1,000. Registration timing is remarkably fast: 2 days online for "Low Risk" businesses, which can start immediately and achieve compliance within 6 months. "High Risk" businesses must obtain all authorizations before commencing operations.

Important note: no minimum capital is required for most structures. A private company requires at least 2 shareholders (7 for public companies) and at least 1 director who is an ordinary resident of Fiji. This requirement can present challenges for foreign entrepreneurs, who must either partner with a local resident or obtain resident status themselves.

Fiji's tax system has undergone several recent changes, notably the VAT reduction in 2025. For expats, understanding local taxation is essential, whether for personal income taxation or obligations related to entrepreneurial activities. The Fiji Revenue & Customs Service (FRCS) is the central organization managing the country's entire tax system.

Personal income tax

Fiji applies a progressive system for tax residents. The 2025 tax brackets are: income up to FJD 30,000 annually is tax-exempt. Between FJD 30,001-50,000, the rate is 18% on amounts exceeding FJD 30,000. Above FJD 50,001, tax is FJD 3,600 plus 20% on amounts exceeding FJD 50,000. A 5% reduction applies for income above FJD 270,000, effective since January 1, 2024. The PAYE (Pay As You Earn) system provides withholding at source constituting final tax since January 1, 2013.

Non-residents are taxed at a flat rate of 20% from the first dollar of taxable income, without benefiting from the exemption threshold. Tax residence definition follows standard criteria: primary physical residence in Fiji or presence exceeding 183 days in the fiscal year. Fiji has signed tax treaties with several countries including Australia, New Zealand, Japan, Korea, Malaysia, Singapore, United Arab Emirates, United Kingdom, India, and Qatar, preventing double taxation.

Corporate tax

The standard corporate tax rate is 25% since fiscal year 2023, increased from the previous 20% rate. This increase aims to strengthen government revenue. Companies listed on the South Pacific Stock Exchange benefit from a preferential rate of 15%. Trustees are also subject to the 25% rate. These rates remain competitive in the Pacific region and reflect policy aimed at attracting foreign investment while ensuring sufficient public revenue.

VAT and consumption taxes

VAT (Value Added Tax) was reduced to 12.5% since August 1, 2025, down from 15%. This significant reduction aims to stimulate consumption and support purchasing power. A new "G" tax label at 12.5% was introduced at this date. Some products benefit from a zero rate or specific exemptions. This tax reform marks governmental will to energize the economy while easing the tax burden on consumers.

Social contributions and other levies

Fiji's social security system operates through the Fiji National Provident Fund (FNPF). Employee and employer contributions are deductible from taxable income, providing a tax advantage. Specific contribution rates aren't publicly detailed but remain mandatory for all employers. A withholding tax applies to non-residents, particularly on insurance premiums at an increased rate of 3.75%. However, dividends are tax-exempt since August 1, 2017, a measure favorable to investors.

Recent legislative changes include the Income Tax (Budget Amendment) Act 2025, published July 21, 2025, introducing new definitions for e-money, e-money accounts, and e-money issuers, reflecting tax system adaptation to the digital economy. For additional tax information, the Fiji Revenue & Customs Service website offers detailed guides and online calculators.

Fiji's healthcare system combines an accessible but underfunded public sector with a better-quality but fee-based private sector. For expats, subscribing to international health insurance is essential to access optimal care and avoid long public system wait times. Medical infrastructure concentrates primarily in urban areas of Suva and Nadi.

The public healthcare system

Fiji's public sector provides free or heavily subsidized care for citizens and permanent residents. The country has 25 public hospitals, including two national referral facilities. The four main hospitals are Colonial War Memorial Hospital (CWMH) in Suva (the country's largest), Nadi District Hospital, Labasa Hospital, and Savusavu Hospital. The network also includes 84 health centers and 98 nursing posts distributed across the archipelago. Over 70% of government health expenditure goes to hospital services.

However, the public system suffers from limited resources, particularly in rural areas. Infrastructure is often outdated, medical equipment insufficient, and wait times particularly long. Life expectancy stands at 66 years for men and 72 years for women. Maternal mortality reaches 59 per 100,000 live births (2013 data). Health expenditure represents 4% of GDP (2012), with government targeting 5%.

Private sector and insurance

The private sector offers significantly superior care levels. The three main private facilities are Oceania Hospital, the country's largest private hospital equipped with modern facilities (imaging, laboratory, cardiology, CT scanner), and Pacific Specialist Healthcare (PSH), opened in 2017 with sophisticated equipment and a high-performance pathology laboratory. Medical centers open 24/7 also provide emergency services. Standards approach those of Western countries, although some specialized diagnostic equipment and specialists remain unavailable.

For expats, no health coverage is legally mandatory, but international insurance is strongly recommended. Main local insurers include BSP Life, Fijian Holdings, and Pacific Insurance. Costs vary considerably depending on coverage chosen. It's advisable to prioritize policies including medical evacuation to Australia, New Zealand, or India for serious conditions requiring specialized care unavailable locally.

Emergency services and precautions

The ambulance emergency number in Fiji is 911. However, emergency infrastructure remains underdeveloped with often slow response times. Ambulances are sometimes poorly equipped and staff insufficiently trained. For serious cases, medical evacuations to Australia, New Zealand, or India are necessary. Divers should particularly note that Fiji's hyperbaric chamber is currently out of service, with the nearest ones in New Zealand and Australia. Insurance specifically covering decompression treatment and medical evacuation is therefore essential for diving enthusiasts.

Regarding vaccinations, there are no particular HIV-related restrictions for short stays (under 4 months). However, a medical clearance certificate is required to obtain a work permit. The Ministry of Health website provides information on available services, though practical details are sometimes limited.

For expat families in Fiji, choosing an educational institution is a major decision. While the local education system, administered by government and taught in English, remains accessible with subsidized fees, most expats opt for international schools offering globally recognized curricula and a multicultural environment suited to transient children.

Main international schools

International School Suva (ISS), located at Laucala Beach Estate in the capital, represents the preferred choice for many expat families. This institution offers International Baccalaureate (IB) programs including PYP, MYP, and DP, as well as Australian Capital Territory (ACT) curriculum until 2025 and High School Diploma (HSD) WASC. The school accommodates children from Early Childhood to Year 12, with an enrollment of 552 students (2023-2024 year) representing 55 nationalities. A unique element: the Ocean Programme, allowing students to participate in marine biology activities, coral restoration, seabed mapping, and coastal cleanup. Staff includes 81 teachers from 14 nationalities, and the institution is accredited by WASC, IBO, and the Fijian Ministry of Education.

Operating hours are 7:45 AM to 2:30 PM Monday through Friday. Annual tuition fees for expats (2023, in USD) vary by level: USD 8,418 for Early Childhood I, USD 10,942 for Early Childhood II, USD 13,676 for Reception-Year 5, USD 15,092 for Years 6-8, USD 17,841 for Years 9-10, and USD 18,661 for Years 11-12. The school operates two distinct fee structures (local and expat), reflecting purchasing power differences. The International School Suva website provides all additional information.

International School Nadi (ISN), located in western Fiji approximately 40 minutes by flight from Suva, offers an alternative for families residing in this area. The institution provides IB (PYP, MYP) programs, ACT for Years 11-12, and Cambridge. It accommodates children from Pre-school to Form 5 (Year 10), with recent Middle School expansion. Infrastructure includes a swimming pool, library, and computer laboratories. Tuition fees should be consulted directly with the school.

Bilingual schools and alternatives

Several institutions offer bilingual or multicultural education. Yat Sen School in Suva combines Fijian national curriculum with Chinese language and culture studies. It accommodates students from Kindergarten to Year 13, with instruction in English and Chinese. Extracurricular activities include martial arts, calligraphy, and Chinese dance.

Suva Christian Community High School offers bilingual English-Fijian curriculum within a Christian education framework, with computer laboratories, library, and musical, theatrical, and sports activities. Suva Grammar School, one of the country's oldest schools, focuses on academic achievement in a secondary environment, with instruction primarily in English celebrating Fiji's multicultural heritage. It has science laboratories, computer rooms, and sports fields.

Local system

Fiji's local education system is government-administered, with schools managed by local committees or communities. Instruction is in English and fees remain government-subsidized, making education relatively accessible. For families seeking complete integration into Fijian society and working with limited budgets, public schools represent a viable option, though academic standards and infrastructure generally lag behind international institutions.

Finding suitable accommodation in Fiji requires advance planning and familiarity with different neighborhoods. The rental market has tightened in recent years, particularly in urban areas of Suva and Nadi, causing significant rent increases. Expats must also consider security issues, as some urban zones experience burglary problems.

Available housing types

Fiji's property market offers several options depending on needs and budget. Apartments, available primarily in Suva and Nadi, typically offer 1-3 bedrooms. Houses with gardens in residential areas represent families' preferred choice, offering more space and often better security. Villas and resort rentals are found in tourist zones, with premium amenities but at significantly higher prices. For tight budgets, shared housing provides an economical option, particularly popular with young professionals and students.

Expat-preferred neighborhoods

In Suva, the capital, two areas particularly attract expats. Lami offers a modern community with good amenities, while Laucala Beach Estate constitutes a secure, upscale residential zone where International School Suva is located. In Nadi, the main tourist hub, Denarau stands out as a modern resort area with marina, restaurants, and shops, offering Western-style living appreciated by expats. Its proximity to the international airport represents a considerable advantage.

Coral Coast, located between Nadi and Suva along the southern coast, attracts those seeking a balance between nature access (beaches, resorts) and amenities. This area offers a more relaxed pace than cities while remaining well-served. Lautoka, the country's second city nicknamed "Sugar City" due to its sugar industry, offers more local and authentic living, with an important port and Lautoka hospital. It attracts fewer expats but offers generally more affordable rents.

Costs and practical aspects

Housing represents the main expense for expats in Fiji. According to April 2025 testimonials, a 3-bedroom house with small garden in Suva can cost up to USD 1,900 monthly (approximately GBP 1,500 or AUD 2,800). Rents have increased considerably over the past two years, and several expats report actual living costs approximately 25% higher than official data. Rentals in city centers or main islands are notably more expensive than peripheral areas or secondary islands.

Regarding security, burglary and minor theft issues exist in urban areas, though the situation has improved through increased police presence. It's recommended to choose accommodation in a secure neighborhood and consider additional protection measures (alarm, security services). Private security costs should be integrated into the housing budget for isolated or upscale residences.

With the rental market tight in major cities, it's strongly advised to search for accommodation before arriving in Fiji, ideally through local contacts, expat groups, or on-site real estate agencies. Virtual tours can allow initial screening, but physical visits before signing remain essential to verify actual property and neighborhood conditions.

Preparing your move to Fiji requires meticulous organization, several months before departure. Between administrative formalities, logistics, and health precautions, here's a complete checklist for a smooth installation.

1. Obtain appropriate visa: Before booking your flight, ensure you have the permit suited to your project (Work Permit, Business Permit, Residence Permit). Processing times can be several weeks, so anticipate this step with the Ministry of Immigration.
2. Subscribe to international health insurance: This coverage is essential for accessing quality care and avoiding astronomical medical bills in emergencies. Prioritize policies including medical evacuation to Australia or New Zealand.
3. Search for housing: With the market tight in urban areas, start your search before arrival. Contact local agencies, join online expat groups, and if possible, make a reconnaissance trip to visit potential properties.
4. Open a local bank account: Research required documents and banks operating in Fiji. Some institutions allow initiating the opening from abroad, facilitating initial transactions upon arrival.
5. Driver's license: An international license is accepted temporarily, but you'll need to convert it to a Fijian license for permanent residence. Check the procedure with local authorities upon arrival.
6. Organize shipment of belongings: Carefully verify customs regulations and import taxes. Fiji applies strict restrictions on food products and plants to protect its ecosystem. Consult the Biosecurity Authority of Fiji (BAF) website for the complete list of prohibitions.
7. Register with authorities: For long-term stays, you must register with local authorities once on-site. This formality officializes your residence and facilitates other administrative procedures.
8. Vaccinations and medical certificates: Though no vaccinations are strictly mandatory for tourist stays, check health recommendations for your situation. A medical certificate will be required for work permit applications.
9. Prepare electrical adapters: Fiji uses Type I plugs (like Australia) with 240V voltage. Bring necessary adapters for your electronic devices.
10. Important documents: Make multiple copies of essential documents (passport, diplomas, birth certificates, work contracts) and keep a digitized version in secure cloud storage. Also consider translating and certifying important documents if necessary.

This rigorous preparation will allow you to approach your Fiji installation confidently and avoid unpleasant surprises once on-site. Don't hesitate to contact other already-established expats who can share their experiences and practical advice.

Fiji offers exceptional wealth in cultural, sporting, and tourist activities. Between discovering local culture, world-class water sports, and exploring preserved natural environments, leisure opportunities abound for expats and their families.

Cultural activities

The Fiji Museum in Suva is essential for understanding the country's history and culture. Historical sites include Levuka, the former capital listed as a UNESCO World Heritage site, and several archaeological sites testifying to pre-colonial past. The Fiji International Jazz and Blues Festival and numerous traditional cultural events punctuate the year, offering opportunities to discover local arts.

Fijian gastronomy blends Pacific, Indian, and Chinese influences. Restaurants offer wide variety, from Indian curry to Chinese specialties and traditional Pacific dishes. The kava ceremony, a traditional drink prepared from pepper tree roots, represents an important social ritual in Fijian culture. Visitors are often invited to participate during their stay. Meke performances (traditional dances and music) and lovo feasts (traditional underground oven cooking) provide immersion in local traditions.

Water sports and diving

Fiji is nicknamed the "Soft Coral Capital of the World" and offers exceptional diving conditions. The archipelago harbors over 1,500 fish species, sharks, manta rays, and sea turtles. Water temperature ranges between 26-28°C year-round, making diving and snorkeling enjoyable in all seasons. The best visibility period extends from July to December, with clarity reaching 50 meters.

Most famous dive sites include Rainbow Reef in Taveuni with its famous Great White Wall, Beqa Lagoon featuring 190 miles of reefs and over 100 dive sites, Great Astrolabe Reef in Kadavu (one of the world's longest barrier reefs at 65 km), Namena Marine Reserve, and the Mamanuca and Yasawa islands. Critical point for divers: Fiji's hyperbaric chamber is currently out of service, with nearest ones in New Zealand and Australia. Insurance covering decompression treatment and medical evacuation is therefore essential.

Surfing, kayaking, stand-up paddling, and various other water activities are widely available. Whale and dolphin watching provides unforgettable experiences, particularly in Yasawa waters where manta rays gather from May to October.

Hiking and land discoveries

Hiking enthusiasts will appreciate trails leading to Bouma Waterfalls in Taveuni, the Lavena Coastal Walk, or numerous rainforest trails. Golf is available on several courses, horseback riding along the Coral Coast allows coastal landscape discovery, while adventure sports like ziplining, river rafting, jet skiing, and 4x4 excursions offer adrenaline rushes.

Island exploration

The archipelago comprises 333 islands with 110 inhabited. The Mamanuca Islands attract with turquoise waters and coral reefs easily accessible from Nadi. The Yasawa Islands offer spectacular landscapes and constitute the best place to observe manta rays. Beqa Island, Taveuni, and Kadavu provide more authentic, less touristy experiences.

Natadola Beach, regularly ranked among the world's most beautiful, and the Blue Lagoon, famous filming location, feature among must-see sites. Day trips are organized daily from Denarau Marina, allowing exploration of neighboring islands without overnight stays. This activity diversity guarantees that every weekend and vacation period can be a new Fijian adventure.

Fiji's cost of living generally sits below Western standards, with an economy where the Fijian dollar (FJD) remains the reference currency. However, expats often find actual prices exceed official estimates, particularly regarding housing and imported food. The following data from Numbeo in July 2025 provides a baseline estimate, but field testimonials suggest adding approximately 25% to official figures for realistic projection.

Budget for a single person

For someone living alone in Fiji, here are average monthly expenses to expect:

Sources: Numbeo (July 2025)

Total monthly cost for a single person therefore ranges between USD 1,800-2,100 (approximately GBP 1,415-1,650 or AUD 2,650-3,100) including rent and health insurance, for a living standard comparable to a mid-sized regional city. Note that this budget can be reduced by choosing peripheral housing or shared accommodation, and prioritizing local products at markets rather than supermarkets offering imported goods.

Budget for a family of four

For a family with two children, expenses increase significantly, notably due to international school tuition fees and larger accommodation:

Sources: Numbeo (July 2025), International School Suva

Total budget for a family of four ranges between USD 6,900-8,000 monthly (approximately GBP 5,420-6,285 or AUD 10,200-11,800), with international schooling by far the largest expense item. This amount approximates living costs in a mid-sized metro area, yet with island living quality and incomparable natural environment.

Price considerations

Grocery products are particularly expensive in Fiji, especially imported items (dairy, cereals, processed foods). Local markets offer significantly more economical prices for fresh fruits, vegetables, and fish. For restaurants, expect USD 13-16 minimum per meal at mid-range establishments, and USD 33+ at upscale restaurants (excluding drinks). Street food remains the most economical option.

Vehicles are expensive to purchase in Fiji, and finding used cars in good condition proves difficult. With poor road conditions, maintenance also represents considerable cost. Fiji's cost of living remains overall 49.7% cheaper than Western countries, with rents 37.8% lower. Average local salary after taxes (USD 926 according to some sources) covers approximately 1.1 months of average expenses, highlighting the importance for expats to negotiate appropriate compensation packages including housing and schooling allowances.