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Residence permit in Monaco by investment

Residence permit in Monaco by investment

Residency Status in the European Principality: Zero Income Tax, Private Banking, and Lucrative Investments

Discover the benefits of a Monaco residence permit:
  • Visa-free travel to 29 Schengen countries
  • Investment in the form of a bank deposit
  • Residency status for family members

Apply now to get expert advice

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Briefly about the program

The popular program for obtaining a Monaco residence permit through investment requires a deposit of at least 500,000 EUR in a bank in the Principality, as well as the rental or purchase of local real estate. Resident status is granted in stages: first, a temporary card valid for 1 year is issued, followed by a standard card valid for 3 years, and then a privileged permit valid for 10 years. Monaco has a zero income tax rate. Residents of the country can move freely within the Schengen Area and invest in liquid assets. A residence permit is also granted to all members of the investor’s family.

Processing time from 3 months
Investment amount from EUR 500,000

Advantages of the program

  • Visa-free travel in Europe

    Free movement within the Schengen Area without a visa for up to 90 days every six months, which greatly simplifies business and leisure travel throughout Europe.

  • The path to permanent resident status

    After 3 years of residing as a resident, you can obtain a privileged residence permit in Monaco valid for 10 years, with the possibility of unlimited renewal.

  • Flexible conditions for maintaining status

    Monaco’s legislation does not impose strict requirements for maintaining status—in practice, residing in the Principality for at least 3 months per year is sufficient to renew your residence permit.

  • Residency for all family members

    The program allows you to apply for residency status simultaneously with your spouse, partner, financially dependent children of any age, and parents.

  • Favorable conditions for doing business

    Individuals who become residents of Monaco are exempt from a number of taxes, including income tax, capital gains tax, dividend tax, and wealth tax.

  • Return of invested funds

    When obtaining a residence permit through investment, you retain full ownership of the funds held in a bank deposit.

Unlock business and financial opportunities with the program

  • Taxes Monaco does not levy income tax on resident individuals. Investors are not subject to municipal or property taxes, nor are they subject to capital gains tax, dividend tax, interest tax, or wealth tax.
  • Banks and accounts Residents gain access to Monaco’s exclusive private banking services, which offer personalized service and a high level of confidentiality. All transactions are conducted in euros, and investment products and wealth management solutions are available.
  • Asset protection Monaco offers asset holders economic and political stability. The principality has no currency controls, ensures the free movement of capital, and guarantees the confidentiality of financial transactions.

Step-by-step guide to Monaco residency

  • Step-by-step guide for applicants
  • Specific requirements and costs
  • A proven strategy for obtaining a residence permit
Step-by-step guide to Monaco residency

Fill out the form and get a detailed guide about the service from iWorld specialists

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Visa-free travel map

A Monaco resident card grants freedom of movement within the Schengen Area. Once you obtain a residence permit, you and your family members will be able to take short-term trips (up to 90 days within any 180-day period) to the 29 countries of the Schengen Agreement.

map

Visa-free travel to 29 countries with a Monaco residence permit

  • Austria
  • Belgium
  • Bulgaria
  • Hungary
  • Germany
  • Greece
  • Denmark
  • Iceland

1

  • Spain
  • Italy
  • Latvia
  • Lithuania
  • Liechtenstein
  • Luxembourg
  • Malta

2

  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia

3

  • Finland
  • France
  • Croatia
  • Czech Republic
  • Switzerland
  • Sweden
  • Estonia

Take full advantage of Monaco residency

  • Long-term residency and return on investment
  • Residency in a European principality with well-developed infrastructure
  • A stable and comfortable life in the business hub of Europe
  • European banking and no currency controls
  • Visa-free travel to 29 countries in the Schengen Area

Apply now to get expert advice

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The requirements to the applicants

  • At least 18 years of age
  • No criminal record in the country of citizenship or in other jurisdictions
  • Legally obtained funds
  • Opening a bank deposit account and purchasing or renting real estate
  • A valid health insurance policy
  • An officially registered marriage or a long-term relationship supported by documentation
  • Including children from previous marriages
  • Unmarried and financially dependent on the principal applicant
  • No age restrictions
  • Financially dependent on the primary applicant

Investment option

Bank deposit
  • Deposit of at least 500,000 EUR in an authorized bank in Monaco, with proof of the funds’ origin
  • The deposit remains the applicant’s property and must be maintained for the entire duration of residency
  • Renting or purchasing real estate in Monaco

Comparison of Monaco residence with other popular programs

Category
Monaco residence permit Monaco residence permit
Greece residence permit Greece residence permit
Cyprus permanent residence Cyprus permanent residence
UAE residence permit UAE residence permit
Minimum investment
from EUR 500,000
from EUR 250,000
from EUR 300,000
from AED 2,000,000
Available for the entire family
yes
yes
yes
yes
Status validity
indefinite
5+ years
indefinite
10+ years
Processing time
from 3 months
from 4 months
from 9 months
from 1 week

Steps for obtaining a Monaco residency by investment

Confidential preliminary review

An iWorld specialist in foreign investment reviews your profile for credibility to minimize the risk of your Monaco residence permit application being denied.

Learn More

Fulfilling investment obligations

With the support of the company’s lawyers, you open an account at an authorized bank in Monaco, make a bank deposit of at least 500,000 EUR, and sign a lease or purchase agreement for real estate.

Preparing the document package

The iWorld legal team compiles your document package in accordance with the requirements of the Monaco Directorate of Public Security, including translations into French.

Submitting the application

Your application is registered by iWorld’s lawyers with the Residency Section of the Government of Monaco, after which a mandatory interview with a representative of the immigration authorities takes place.

Government due diligence

The Residency Section conducts a review of your information within 90–180 days to ensure that your profile complies with Monaco’s legal and financial standards.

Biometric data submission and receipt of residence cards

You and your family members travel to Monaco to activate the digital identity on your residence cards at the Residency Section office.

Get a customized estimate for the cost of obtaining Monaco residency

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

Get a customized estimate for the cost of obtaining Monaco residency

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.

Alternative residency
by investment programs

Greece Country Greece
Cost from EUR 250,000
Processing time from 4 months
Key advantages
  • Investments in high-liquidity real estate
  • Fast-track program
  • No language requirements
Learn more
Cyprus Country Cyprus
Cost from EUR 300,000
Processing time from 9 months
Key advantages
  • Citizenship for family members
  • Low taxes
  • Fast processing time
Learn more
See all programs

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FAQ

How much money is required to obtain a Monaco residence permit in 2026?

The program requires a deposit of at least 500,000 EUR in a Monaco bank to demonstrate financial solvency, as well as the rental or purchase of real estate in the Principality.

How long does it take to obtain residency in Monaco?

The official review of the application takes at least 3 months from the date the documents are submitted through a licensed agent.

Is a background check conducted on the investor?

Yes, to participate in the Monaco investment program, the applicant and their family members must undergo due diligence.

Is permanent residence in Monaco required to maintain a residence permit?

To maintain your status, you must reside in the Principality for approximately 3 months per year. To obtain a 10-year privileged card, a longer period of residence is required—approximately 6 months annually.

Which family members can be included in the application?

Under a family application, status may be granted to the principal applicant’s spouse or legal partner, their unmarried children of any age (provided they are financially dependent), as well as parents and grandparents who are financially dependent on the applicant.

Can the property be rented out or sold after obtaining residency?

After obtaining resident status, the investor is free to dispose of the property as they see fit, including selling or renting it out.

Does a Monaco residence permit pave the way to citizenship?

Yes, a resident may become a citizen of Monaco through naturalization after 10 years of continuous residence. To do so, they must b

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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