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Residency by investment in Andorra
Attractive tax rates and flexible residency requirements
- Investment amount: from EUR 400,000
- Processing time: from 2 months
- Visa-free access to France and Spain
Unlock your options — consult with an expert today
About the program
Andorra's passive residency offers a legal way to live in a country with one of the most attractive tax systems in Europe. With an investment starting from EUR 400,000 in real estate, a bank deposit, or other approved assets, investors can obtain a residency permit with minimal stay requirements — only 90 days per year in Andorra. The residency status allows for tax exemptions on dividends and capital gains, as well as savings on income and corporate taxes. Residency can be granted to the entire family, including spouses, children up to 25 years old, and financially dependent parents.
Advantages of obtaining Andorra residency
Favorable taxes for residents
The maximum personal income tax and corporate tax rate is 10%, with no taxes on wealth, inheritance, or capital gains after 10 years of ownership.
90 days minimum stay
Flexible residency requirements allow you to maintain your status by staying in the country for only 3 months per year.
Investment flexibility
Investments for passive residency can be diversified across various assets: real estate, shares of resident companies, and debt/financial instruments.
Residency for the whole family
Spouses, children up to 25 years old (financially dependent), and parents of any age can be included in the same application.
Access to healthcare
Mandatory health insurance provides access to high-quality medical services in the country’s clinics.
Visa-free access to European countries
Free movement within France and Spain, plus the ability to obtain a Schengen visa in just one day.
The opportunities that come with Andorra residency
Get the guide to Andorra residency
- Step-by-step process for applicants
- Specific requirements and financial costs
- Ready-made strategy for obtaining residency
- Updated 2025 program details
Get the guide to Andorra residency
Who is eligible to get residency in Andorra
- International business owners
- Investors and capital managers
- Affluent retirees and income earners
- Digital nomads and IT entrepreneurs
International business owners
Manage companies outside Andorra with minimal taxation. The option to structure assets through local holding companies with an effective tax rate of 2%. Retain mobility with just 90 days required in the country per year.
Investors and capital managers
Exemption from capital gains tax for assets held for more than 10 years. Access to private banking with no automatic information exchange. Portfolio diversification through local investment funds.
Affluent retirees and income earners
Residency based on passive income with no local taxation on foreign sources. Premium healthcare and a secure environment. The ability to maintain your lifestyle with minimal presence.
Digital nomads and IT entrepreneurs
Run an online business with global clients at a 10% tax rate. High-speed internet and modern infrastructure. Proximity to tech hubs in Barcelona and Toulouse.
Discover your path to European residency with legal status and tax benefit
- Residency status without the obligation to work or run a business
- Tax optimization and capital protection in Europe
- Minimum stay requirements
- Security, privacy, and comfort for the whole family
Unlock your options — consult with an expert today
Investment options
Real estate purchase
Purchase residential or commercial property valued from EUR 400,000. The property can be rented out. A deposit of EUR 47,500 is required in the AFA state fund for the main applicant.
Investment in financial instruments
Invest EUR 600,000 in shares of Andorran companies, government bonds, or investment funds with a rating of at least BBB. Annual returns of 2–4%. Funds can be withdrawn after 2 years while maintaining residency status.
Investment costs
Expense item
Real estate
Financial instruments
Investment
≥ EUR 600,000
EUR 600,000
AFA deposit
EUR 47,500
EUR 47,500
Administrative fee
EUR 3,000
EUR 3,000
Health insurance
EUR 1,800/year
EUR 1,800/year
Total
from EUR 652,300
from EUR 652,300
Get a personalized strategy for obtaining Andorra residency
A Mirsatori specialist will create a tailored plan for securing your residency status, providing a detailed analysis of each step while considering your family composition, investment amount, and all official fees and related expenses.
Get your strategy
Get a personalized strategy for obtaining Andorra residency
Requirements for applicants
Spouse/partner
- In a legally recognized marriage or registered partnership
Children under 18
- Including children from the main applicant's previous marriages
Adult children up to 25 years old
- Unmarried and financially dependent on the main applicant
Parents of any age
- Fully or partially financially supported by the applicant
Step-by-step plan for obtaining Andorra residency
Step-by-step plan for obtaining Andorra residency
Preliminary assessment and investment selection
5 business days
Mirsatori specialists conduct an initial evaluation to ensure compliance with program requirements. They will select the optimal investment solution, whether real estate in premium locations or financial instruments with guaranteed returns.
Learn moreDocument preparation and legalization
3–4 weeks
Preparation of the document package according to Andorra’s immigration requirements. Professional translation into Catalan by certified translators. Apostille and notarization at the Andorran consulate.
Learn moreApplication submission and government review
4–8 weeks
Submission of documents through a licensed agent to the Department of Immigration. Background check against international databases. Preliminary approval from the Andorran government.
Learn moreInvestment and final approval
Up to 6 months after approval
Transfer of investments to Andorran bank accounts or purchase of real estate. Deposit of EUR 47,500 in AFA. Confirmation of fulfilling all investment conditions to obtain the residency card.
Learn moreResidency card issuance
1–2 weeks
A brief visit to Andorra for a medical examination and document signing, followed by the issuance of a 2-year residency card with the option for renewal. This also includes opening bank accounts and registering for tax residency.
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Andorra residency: comparative analysis
Category
Andorra RP
Turkey RP
Malta PR
The UAE RP
Investment amount
from EUR 400,000
from USD 200,000
from EUR 182,000
from USD 550,000
For the whole family
yes
yes
yes
yes
Duration of residency
2 years
from 2 years
permanent
10 years, with the option to renew
Processing time
from 2 months
from 2 months
from 3 months
from 1 week
Residency by investment: alternative program
Country
Cost
Processing time
Benefits
Turkey
Cost
from USD 200,000
Processing time
from 2 months
Benefits
Learn more
- 1-year residence permit with the option to extend
- Citizenship after 5 years of residence
- Residency for all family members
Malta
Cost
from EUR 182,000
Processing time
from 3 months
Benefits
Learn more
- Ownership of premium real estate
- EU residence permit
- Residency for family members
The UAE
Cost
from USD 550,000
Processing time
from 1 week
Benefits
Learn more
- Residency for family members
- Purchase of high-liquidity real estate
- No language requirement
FAQ
What is the minimum investment required for the Andorra residency program in 2025?
The program requires an investment of at least EUR 400,000 in the state housing fund. The applicant must also confirm an annual income of at least EUR 52,000 and EUR 17,000 for each family member included in the application.
Can you work in Andorra with passive residency?
Passive residency does not grant the right to work or run a business in Andorra. All income must come from sources outside the country. However, the resident can hold a director position in a local company and earn passive income from investments.
What tax benefits do Andorra residents receive?
Residents pay a maximum of 10% income tax on earnings over EUR 40,000. The first EUR 24,000 are tax-free. Dividends from Andorran companies are exempt from taxation. There are no taxes on wealth, inheritance, or gifts. Capital gains from the sale of real estate are not taxed after 12 years of ownership.
Is knowledge of the language required for obtaining residency?
Knowledge of the language is not required to obtain residency. All documents are translated into Catalan by certified translators. Spanish, French, and English are widely spoken in the country.
Can you obtain Andorran citizenship through investment?
There is no citizenship-by-investment program in Andorra. Naturalization is possible after long-term residency (including passive residency with a 90-day annual stay). The period is shortened if you receive education in Andorra or marry an Andorran citizen.
How is residency extended and what are the requirements?
The initial residency is granted for 2 years, after which it can be extended. To renew, you must maintain your investment, spend at least 90 days a year in Andorra, have valid health insurance, and prove financial solvency. The renewal process can be done without personal presence through a local representative.
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Schedule a meeting with our specialists, in-office or online, and receive a tailored case analysis, a clear cost estimate, and the best solution to achieve your goals. Fill out the form to schedule a meeting in the office or online
