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Monaco residency by investment
Unlock European market opportunities, enjoy zero income tax, and travel freely within the Schengen Zone
- Investment amount: from EUR 500,000
- Processing time: from 3 months
- Visa-free access to Schengen Area countries
Unlock your options — consult with an expert today
About the program
The Monaco residency program for foreign investors provides an exclusive opportunity to live in a prestigious European principality, offering zero income tax and an unparalleled quality of life. Investors demonstrate their financial independence by depositing at least EUR 500,000 into a local bank and purchasing or renting property. The program includes a phased approach to obtaining residency cards: a temporary one-year card, a regular three-year card, and a privileged ten-year card. Although Monaco is not part of the EU, residents enjoy unrestricted access to the Schengen Area. The residency status extends to the investor’s entire family.
Advantages of obtaining Monaco residency
Visa-free travel across Europe
Enjoy unrestricted movement within the Schengen Area, simplifying both business and leisure travel.
Unlimited permanent residency status
After three years on temporary residency, you’ll receive a standard three-year card, and after 10 years, a privileged 10-year card with unlimited renewals.
No stay requirements
There are no specified minimum days required for physical presence to maintain residency status.
Monaco Golden Visa for the whole family
Residency for your spouse, financially dependent children of any age, and parents, granting the same rights as the primary applicant.
Favorable conditions for business
Monaco residents benefit from zero income tax, no capital gains tax, and no property taxes.
Investment return
You can sell your property after obtaining residency status, while keeping your bank deposit intact.
The opportunities that come with Monaco residency
Get the guide to Monaco 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 Monaco residency
Who is eligible to get residency in Monaco
- Entrepreneurs with international income
- Investors and asset managers
- Families planning for the future
- International top executives
Entrepreneurs with international income
With Monaco’s zero income tax rate, residents with income from outside the principality benefit from significant tax advantages. After obtaining residency, entrepreneurs can register companies to structure their international businesses.
Investors and asset managers
The residency program grants access to exclusive private banking services with minimum deposits starting from EUR 500,000 and personalized asset management strategies. There are no taxes on capital gains or dividends, facilitating efficient investment.
Families planning for the future
Residency status extends to spouses, financially dependent children of any age, and parents, with no age restrictions. All family members have access to elite education and high-quality healthcare.
International top executives
The lack of minimum stay requirements allows Monaco residents to maintain international mobility. The principality’s location, just 30 minutes from Nice Airport, is ideal for business trips across Europe.
Residency in a prestigious, secure jurisdiction
- Stability and comfort for the entire family
- Access to European banking services
- Freedom to plan and travel without restrictions
- Personalized approach and complete confidentiality
Unlock your options — consult with an expert today
Investment options
Bank deposit
You place a bank deposit of at least EUR 500,000 while providing proof of the legal origin of funds. The deposit remains your property for the entire duration of your residency.
Purchase or rental of real estate
After making the bank deposit of EUR 500,000, you may purchase or rent property in Monaco. Both residential and commercial real estate transactions are permitted.
Investment costs
Expense item
Amount
Bank deposit
EUR 500,000
Government fees
EUR 80 - 160
Total
from EUR 500,080
Get a personalized strategy for obtaining Monaco 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 Monaco residency
Who can apply for Monaco residency
Spouse or partner
- In an official marriage or a long-term relationship documented by proof of partnership
Children under 18
- Including children from previous marriages
Adult children of any age
- Eligible if financially dependent on the main applicant and unmarried
Parents and grandparents
- No age limit, provided they are financially supported by the main applicant
Step-by-step plan for obtaining Monaco residency
Step-by-step plan for obtaining Monaco residency
Confidential preliminary due diligence
1 business day
A certified Mirsatori specialist conducts a comprehensive due diligence check of the investor to assess the likelihood of approval by Monaco authorities and minimize the risk of rejection.
Learn moreFulfilling investment requirements
Within 8 months
With the support of Mirsatori lawyers, the investor opens an account with an authorized bank in Monaco, deposits EUR 500,000, and signs a property purchase or rental agreement in Monaco.
Learn moreDocument preparation and application submission
From 1 month
The Mirsatori legal team prepares the full application package in accordance with the requirements of the Monaco Directorate of Public Security, with translation into French. The application is then registered with the Monaco Residency Section, followed by a mandatory interview with a representative of the immigration authorities.
Learn moreGovernment due diligence review
3–6 months
The Residency Section conducts a background check of the investor over a period of 90–180 days to ensure compliance with Monaco’s high standards.
Learn moreBiometrics and residency card issuance
Up to 3 weeks
The investor and family members visit Monaco to activate their digital identity on the residency cards at the Residency Section office.
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Monaco residency: comparative analysis
Category
Monaco PR
Cyprus PR
Malta PR
The UAE PR
Minimum investment
from EUR 500,000
from EUR 300,000
from EUR 182,000
from USD 550,000
Includes family
yes
yes
yes
yes
Validity period
from 1 year
permanent
permanent
10 years
Processing time
from 3 months
from 9 months
from 3 months
from 1 week
Residency by investment: alternative programs
Country
Cost
Processing time
Benefits
Cyprus
Cost
from EUR 300,000
Processing time
from 9 months
Benefits
Learn more
- Fast application process
- EU residence status
- Acquisition of high-value real estate
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 Monaco residency program in 2025?
The program requires maintaining a bank deposit of at least EUR 500,000 in a Monaco financial institution as proof of financial solvency. In addition, applicants must rent or purchase property in Monaco. Government fees are EUR 80 for a one-year temporary card, EUR 100 for a three-year standard card, and EUR 160 for a ten-year privileged card. The bank deposit remains the applicant’s property but must stay in the account for the entire residency period.
What is the processing time for obtaining Monaco permanent residency?
Official processing takes from 2 months after submitting the application through a licensed agent. The residency card is issued once due diligence is completed and all investment requirements are confirmed.
Is continuous residence in Monaco required to maintain residency status?
The minimum physical presence requirement is 3 months per year. To qualify for the privileged ten-year card after 12 years, residents must spend at least six months annually in Monaco.
Which family members can be included in the application?
A Monaco residency application may include a spouse or registered partner, financially dependent children of any age who are unmarried, and parents or grandparents who are financially supported by the main applicant.
Can the property be changed or sold after obtaining residency?
Yes. The property may be replaced with another of equal or greater value upon notifying the Monaco authorities. Once residency is granted, the investor may sell or rent the property freely. The bank deposit must remain active in the account at all times.
Does Monaco residency lead to citizenship?
Yes. Citizenship may be obtained through naturalization after ten years of continuous residence. Monaco does not recognize dual citizenship, so applicants must renounce their previous nationality. The final decision on citizenship is made personally by the Prince of Monaco.
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