Andorra residence permit through investment

European resident status, minimal residence requirements, and economic stability

Andorra residency means:

Residence in a low-tax jurisdiction
Visa-free travel to Spain and France
Immigration to Europe with family members

Apply now to get expert advice

Briefly about the program

The residence permit program without gainful activity (residència sense activitat lucrativa) is regulated by Law 9/2012. This status is suitable for investors, rentiers, financially independent individuals, and owners of international businesses whose income is generated outside Andorra. Under the program requirements, the principal applicant purchases real estate worth at least EUR 400,000 or invests at least EUR 600,000 in financial instruments. To maintain resident status, the investor only needs to spend at least 90 days in the country per calendar year. The Andorran residence permit is issued to a foreign national for 2 years and may subsequently be renewed.

Processing time from 2 months

Investment amount from EUR 400,000

Advantages of the program

One of the most favorable tax systems in Europe

The maximum personal income tax rate for residents is 10 %, the corporate tax rate is 10 %, and the consumption tax rate (IGI, equivalent to VAT) is 4.5 %. Wealth, inheritance, and gift taxes are levied at a 0 % rate.
Minimal physical presence

To maintain resident status, a foreign investor only needs to spend at least 90 days per year in Andorra. This allows them to remain mobile and conduct business activities outside the country.
Flexible choice of eligible assets

A foreign national may allocate investments among real estate, shares in Andorran companies, and financial instruments issued by Andorran entities. Investments may also be made in government debt, life insurance products, and a non-interest-bearing deposit with the AFA.
Residence permit for all family members

The investor may include a spouse or registered partner and minor children in the joint application. Residence permits may also be obtained for children aged 18 and over and parents of any age if they are financially dependent.
Security and European quality of life

Residence in a country with a very low crime rate and high life expectancy. Free access to advanced healthcare and multicultural education.
Legal transparency and association with the EU

Andorra participates in the automatic exchange of tax information under the OECD standard and its agreement with the European Union and has concluded a number of double taxation treaties. The country is also finalizing the process of concluding an Association Agreement with the EU.

Unlock business and financial opportunities with the program

Taxes Personal income tax (IRPF) is 0 % on the first EUR 24,000. For savings income, the first EUR 3,000 is tax-exempt, and the remainder is taxed at 10 %. The corporate tax rate on non-resident income is 10 %. Dividends from Andorran companies that have already been subject to corporate tax are exempt from IRPF.
Banks and accounts The Andorran banking sector operates in accordance with European standards. Opening an account requires a full KYC procedure and confirmation of the lawful source of funds. Andorra applies automatic exchange of financial account information, including crypto-assets and electronic money.
Asset protection Andorra is a member of the United Nations and the Council of Europe and has a sovereign investment-grade credit rating. The stability of its legal system, absence of political turmoil, and predictable taxation make the jurisdiction suitable for long-term capital preservation.

Step-by-step guide to Andorra residency

Specific requirements and estimated costs
Clear outline of Andorra residency acquisition process
Current residency program for 2026

Take full advantage of Andorra residency

Residence permit processing time - from 2 months
Minimum investment amount — EUR 400,000 when purchasing real estate
Physical presence requirement — only 90 days per calendar year
6 types of assets available for investment
Opportunity to obtain residency for family members

Apply now to get expert advice

The requirements to the applicants

Age 18 or older and full legal capacity
No criminal record
Medical examination by the Andorran Immigration Service
Health insurance in Andorra for the duration of the residence permit
Purchase or rental of housing in the country
Proof of sufficient means of subsistence
Lawful origin of the invested funds

Registered marriage or partnership
Compliance with the program’s general security and medical requirements

Minor children of the applicant and their spouse, including children from previous marriages where the relevant legal documents are available
Adult unmarried children who are financially dependent on the applicant

No age restrictions
Documented full or partial financial dependence on the applicant

Investment options

1 OPTION Purchase of real estate

Minimum investment amount: EUR 400,000
Purchase of residential or commercial real estate
Placement of a EUR 47,500 deposit with the AFA state fund

2 OPTION Investment in financial instruments

Purchase of shares and bonds, as well as investments in investment funds, in the amount of at least EUR 600,000
Opportunity to earn a return of 2 % to 4 % per annum
Right to withdraw funds after 2 years without losing resident status

Comparison of Andorra residency with other popular programs

Steps for obtaining a Andorra residence permit by investment

Get a customized estimate for the cost of obtaining Andorra residency

IWorld specialists will prepare a personalized estimate with stages, deadlines, taking into account your family situation, grounds for citizenship, and all necessary fees.

Why clients choose iWorld

Global expertise

iWorld specialists have extensive knowledge of international immigration law and are well versed in the procedures for obtaining residence permits, permanent residency, and citizenship, offering the best solutions for each jurisdiction.

Personalized step-by-step plan

The iWorld team develops a detailed action plan for each stage — from choosing the right investment strategy to obtaining a passport or residence permit — ensuring transparency and no hidden fees.

Confidentiality and trust

iWorld builds long-term partnerships, ensuring data security and compliance with professional ethics.

The best specialists in the industry

The company employs the best experts in the field of immigration and investment law, as well as specialists in administrative, accounting, and tax support.

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Processing time from 2 months

Key advantages

Residence permit for 1 year with the rigt to extension
Application for citizenship after 5 years of residence
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Cost from EUR 182,000

Processing time from 3 months

Key advantages

Ownership of luxury real estate
Immigration to a European Union country
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FAQ

Get expert advice — contact us today

You can schedule a consultation with a company specialist either in person at our office or online. During the consultation, you’ll receive a detailed case analysis, a service cost estimate, and personalized recommendations tailored to your goals.

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Aleksey Nosovsky Head of Legal Department

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Andorra residence permit through investment

Briefly about the program

Advantages of the program

One of the most favorable tax systems in Europe

Minimal physical presence

Flexible choice of eligible assets

Residence permit for all family members

Security and European quality of life

Legal transparency and association with the EU

Unlock business and financial opportunities with the program

Step-by-step guide to Andorra residency

Take full advantage of Andorra residency

The requirements to the applicants

Investment options

Comparison of Andorra residency with other popular programs

Steps for obtaining a Andorra residence permit by investment

Preliminary legal assessment

Preparation of the dossier

Application submission and contribution to the AFA

Fulfillment of the investment obligation

Obtaining resident cards

Get a customized estimate for the cost of obtaining Andorra residency

Why clients choose iWorld

Alternative residency by investment programs

Media about us

Articles and news

FAQ

What is the minimum investment required to obtain resident status?

How long does it take to obtain a residence permit?

Is it mandatory to reside in Andorra after obtaining a residence permit?

Can an investor with a residence permit work in Andorra?

Does resident status allow visa-free travel to all Schengen Area countries?

How can the investment and the AFA contribution be recovered?

Can Andorran citizenship be obtained through investment?

Get expert advice — contact us today

Alternative residency
by investment programs