A free PDF guide — an investment from €600,000
A guide to residencein Andorra
A European jurisdiction with income tax of up to 10%: the investment stays your asset, the deposit with the state comes back, and 90 days a year in the country is enough. We set out both ways to invest and the real budget.
- PDF in English
- Free of charge
- Verified on 12.08.2026
- Sent by email, WhatsApp or Telegram
Preliminary information is not tax advice and is no guarantee of approval. The terms are confirmed on the date of application.
01 / The essentials first
What to know about the status before the calculation
Four things that decide the budget and what the resident undertakes.
- The investment stays yours
€600,000 is placed in assets in the principality — property or financial instruments. It is not a contribution to the state: the asset remains in your ownership.
- The deposit comes back
On top of the investment an interest-free deposit is lodged with the Financial Authority: €50,000 for the applicant and €10,000 for each dependant. It is returned when the status ends.
- 90 days a year in the country
Presence is required, but lightly: a quarter of the year is enough. This is not a full move, but nor is it a status you can simply hold.
- Tax lower than in Europe
Income tax in Andorra runs to 10%. Tax residence is settled separately and depends on actual presence and the centre of your interests.
02 / The budget
What your family needs
Choose the way to invest and the family: the deposit is counted per dependant.
03 / Two options
Property or financial assets
The threshold is the same; the liquidity, the costs that go with it and the speed of placing differ.
The values were checked against the official material on 12.08.2026. Only the rows for which there is no official wording are marked separately.
| Criterion | PropertyResidential or commercial from €600,000 | Financial assetsDeposits, bonds, shareholdings from €600,000 |
|---|---|---|
| What you invest in | a property in Andorra | instruments and shareholdings in companies of the principality |
| The threshold | €600,000 | €600,000 |
| The asset | stays in your ownership | stays in your ownership |
| The returnable deposit | €50,000 plus €10,000 per dependant | €50,000 plus €10,000 per dependant |
| The costs on topA BRIDGES estimate | transaction taxes and the upkeep of the property | commissions and account charges |
| LiquidityA BRIDGES estimate | lower: a sale takes time | higher, working with instruments |
| Who it usually suitsA BRIDGES estimate | You plan to live in the country | You want the status without buying a home |
- What you invest in
- a property in Andorra
- instruments and shareholdings in companies of the principality
- The threshold
- €600,000
- €600,000
- The asset
- stays in your ownership
- stays in your ownership
- The returnable deposit
- €50,000 plus €10,000 per dependant
- €50,000 plus €10,000 per dependant
- The costs on topA BRIDGES estimate
- transaction taxes and the upkeep of the property
- commissions and account charges
- LiquidityA BRIDGES estimate
- lower: a sale takes time
- higher, working with instruments
- Who it usually suitsA BRIDGES estimate
- You plan to live in the country
- You want the status without buying a home
In both options the asset stays yours, and the deposit with the Financial Authority comes back when the status ends.
04 / The country
What the country looks like
Briefly about the principality and about what sets the terms of the status.
- The essentials firstThe key facts of the programme: what decides the matter.
- A comparisonThe options and the terms of the programme in one table.
- How the work runsThe process step by step — from the check to the documents.
- The analysisWhat is checked before the status is granted.
- The limitsWhat affects the timings, the costs and keeping the status.
- Your teamWho runs the case and what each specialist answers for.
05 / The order of work
How the process runs
First the asset and the deposit, then the documents and the filing: the order bears on the timings.
- Assessing the situation
The nationality, the family, the source of funds and your plans for being in the country.
- Choosing the asset
Property or financial instruments: the timings, the tax and the liquidity all follow from it.
- The transaction and the deposit
Placing the investment and lodging the returnable deposit with the Financial Authority of Andorra.
- The pack of documents
A medical examination in the country, a certificate of no criminal record, insurance, proof of income and of housing.
- Filing and the decision
The application to the immigration service, the biometrics, the consideration of the case.
- The card and the renewals
A permit for 2 years, renewable. The whole process takes 2-4 months.
07 / The check
What is examined before the grant
The origin of the capital, the absence of a criminal record, the medical examination and housing in the country.
- The source of funds
A clear chain showing where the capital came from: examined before the transaction and when the deposit is lodged.
- No criminal record
A certificate from the country of nationality and the countries of residence, apostilled and translated.
- The medical examination
Taken in Andorra: part of the required procedure for the applicant and the family.
- Housing and insurance
Proof of housing in the principality and medical insurance for the whole life of the status.
The medical examination is taken in Andorra: it is part of the required procedure for the whole family.
08 / The limits
What to take into account in advance
Five limits that bear on the way you will live and on planning your tax.
You may not workThis is passive residence
Employment and business in Andorra are not permitted on this ground.
Presence is required90 days a year
The status is not for people who never mean to appear in the country: presence is checked at renewal.
Not the EU and not SchengenA jurisdiction of its own
Andorra is not in the European Union. Travel in the Schengen area goes through the neighbouring countries on the usual footing.
The money is locked in the asset€600,000 plus the deposit
The investment and the deposit are held for the whole life of the status: the exit is planned in advance.
Tax residence is separateThe card does not create it
The rate of up to 10% applies to tax residents: the status is evidenced by presence and by the centre of your interests.
09 / Your team
Who runs your case
The work is led by specialists who handle transactions and filings in Andorra.
The editorial record
The material was prepared and checked by
- First published
- 12 August 2026
- Last updated
- 12 August 2026
The official sources
- The Immigration Act of the Principality of AndorraButlletí Oficial del Principat d'Andorra · checked 12.08.2026The categories of passive residence, the investment thresholds and the presence requirements.
- The immigration service of AndorraGovern d'Andorra · checked 12.08.2026The set of documents and how the permit is applied for and renewed.
- The Financial Authority of AndorraAutoritat Financera Andorrana · checked 12.08.2026The returnable deposit: how it is lodged and how it comes back.
10 / Common questions
Questions about residence in Andorra
How much has to be invested?
€600,000 in assets in the principality — property or financial instruments. The asset stays yours.
What is the deposit with the state?
An interest-free returnable deposit with the Financial Authority: €50,000 for the applicant and €10,000 for each dependant. It is returned when the status ends.
How long do I have to live in the country?
At least 90 days a year. Presence is evidenced at renewal.
May I work?
No, this is passive residence. Work or business in Andorra needs other grounds.
What tax is there?
Income tax runs to 10%. But tax residence is settled separately — it depends on presence and on the centre of your vital interests.
Is Andorra in the Schengen area?
No, the principality is in neither the EU nor the Schengen area, though it borders Spain and France.
Who is included in the application?
A spouse and minor children. A further returnable deposit is lodged for each dependant.
How long does the process take?
2-4 months from the placing of the investment, with a complete set of documents.
Free of charge
Take the guide and a quotation for your family
We will send the PDF with the terms of the programme and a budget with the deposit for your family.
- Both ways to invest and what each of them costs
- How the returnable deposit is counted
- The presence requirement in figures
- How tax residence works