Updated 7 March 2026
22 January 2026 • Updated the conditions for obtaining a residence permit by investment: the property value must be at least €800,000 • Source
14 January 2026 • Increased the minimum wage in the country. The investor must show an income of at least €54,900 per year • Source
6 March 2025 • Costs of obtaining residency increased: property must be worth at least €600,000 • Source
23 October 2024 • To renew residency, applicants must prove knowledge of Catalan. The rule will take effect in April 2026 • Source
Changes are monitored by Anastasia Agafonova Anastasia Agafonova

Andorra residence permit

Foreigners qualify for residency in Andorra if they are ready to invest at least €400,000 in the country’s economy and prove an annual income of €54,900 or more.

Resident status allows visa–free travel to France and Spain, obtaining Schengen visas within one business day, and access to local banks, hospitals, and schools.

Andorra residence permit by investment

€400,000

Minimum investment

€54,900

Annual income

4+ months

Obtaining period

90 days a year

To live in Andorra

In Andorra, investors are granted residency without the right to work — known as “passive residency.” The obtaining process usually takes two months or longer.

To obtain the status, applicants have to invest at least €400,000 in the country’s economy. The amount includes a security deposit and financial assets. When purchasing real estate, the deposit is paid separately.

Andorra residency is also granted to the investor’s family members: a spouse and children.

The first residency card is issued for 2 years. The next one is valid for 3 years, and subsequent cards for 10 years. To maintain residency, applicants must live in the country for at least 90 days a year. After 20 years, a resident becomes eligible to apply for citizenship.

7 benefits of Andorra Golden Visa

Visa‑free travel to neighbouring countries

Andorra is located between France and Spain. Residency allows visa–free visits to both states.

Simplified tourist visa procedures

Holders of Andorran residency can obtain visas for Schengen countries within one day, and visas for the UK, USA and Canada within a few days.

Access to European banks

With residency, it is easier to open accounts in local international banks. Andorra does not share information with foreign tax authorities about accounts held by non–residents in its banks.

Tax optimisation

Residents do not pay wealth or inheritance taxes. Income, dividends, and capital gains are taxed at 10%. The corporate tax rate is 10%, and VAT is 4.5%.

Residency for family members

Along with the investor, the status is granted to a spouse and children up to the age of 24, including those from previous marriages.

Access to healthcare

Andorra regularly ranks among countries with the highest quality of healthcare. The average life expectancy is 83 years. Health insurance can cover up to 100% of medical expenses.

Education for children

Children of foreigners with Andorran residency may study in local schools in English, French, Spanish and Catalan.

Requirements to apply for the Andorra Golden Visa

Over 18 years old
No criminal record
Annual income of at least €54,900
Own or rented property in Andorra

Or a partner in a committed long‑term relationship

Including those from previous marriages

University students
Unmarried
Financially dependent on the investor

Investment options for obtaining Andorra Golden Visa

Option Contribution to the Housing Fund — €400,000+
Details

The applicant transfers the investment to the Housing Fund. The funds are allocated to the construction of affordable social housing in the country.

Additionally, the investor confirms an income of at least €54,900 per year. For each family member, €18,300 is added to this amount.

As of March 2026, the fund has not yet been established, and this option is not available.

Additional costs

€50,000+
Insurance deposit. Its amount increases by €12,000 for each person included in the application

€18,000+
Due diligence check

€12,000+
Property rental

€6,400+
Other fees and charges

Option Property purchase — €800,000+
Details

The investor purchases one or more properties, with a minimum value of €800,000 for each. This can be residential or commercial property, which must be kept for the entire validity period of the residence permit and cannot be rented out.

If the property costs less than €1,000,000, the investor purchases financial assets to reach this amount.

The investor will need to obtain permission from the Government of Andorra to purchase the property.

The investor also needs to confirm an annual income of at least €54,900. For each family member, €18,300 must be added to this amount.

Additional costs

€50,000+
Insurance deposit. Its amount increases by €12,000 for each person included in the application

€18,000+
Due Diligence check

€24,000+
Realtor services

€12,000+ per year
Property rental, if the property has not been purchased at the time of application

€48,000+
Tax of 6%

€6,400+
Other fees and charges

Option Purchase of financial assets — €1,000,000+
Details

One or several assets may be purchased: a share in a local company, debt or financial instruments, life insurance products or interest-free bank deposits.

The investor must also prove an annual income of at least €54,900. For a family, the amount increases by €18,300 for each family member.

Additional costs

€50,000+
Security deposit. The amount increases by €12,000 for each person in the application

€18,000+
Due Diligence check

€12,000+
Property rental

€6,400+
Other fees and charges

Schedule a meeting

Help with the choice

Passportivity experts will analyse your situation and offer the most suitable solution.

Real estate for obtaining Andorra residency by investment

Apartments in traditional style
Andorra, La Massana

€810,000

Apartments in traditional style

100 m²
3
2
An elegant house with views of the mountains and forest
Andorra, Sant Julia de Loria

€1,590,000

An elegant house with views of the mountains and forest

339 m²
4
4
A modernist-style penthouse overlooking the valley
Andorra, Escaldes-Engordany

€1,490,000

modernist-style penthouse overlooking the valley

118 m²
3
2

Key documents to apply for Andorra residency by investment

  • Application for a residence permit without the right to work
  • National ID and international passport
  • Document confirming marital status, such as a marriage or divorce certificate
  • Police clearance certificate
  • Colour photograph 35 × 45 mm, taken no more than 6 months before submission
  • Health insurance and medical examination form
  • Documents confirming the origin and legality of investments and income
  • Bank statement
  • Proof of permanent address in Andorra
  • Tax returns for the last 5 years
  • Corporate documents — for business owners only

How to obtain Andorra residency by investment: step‑by‑step process

1.

Preliminary check

Passportivity’s lawyers review the investor’s documents and assess possible risks. The check helps identify potential issues and find solutions in advance — for example, by attaching additional documents to the application.

The check is completely confidential; the investor only needs to provide a copy of their passport.

2.

Document preparation

The lawyers draw up an individual list of documents for the investor to apply for residency. Once they receive the originals, they translate them and certify them with a notary.

3.

Trip to Andorra and submission of the application

The investor travels to Andorra and submits the residency documents in person. The procedure usually takes two days: on the first day, the investor submits the documents, and on the second, they attend an interview.

When submitting documents for a residence permit, the investor confirms their address of residence in Andorra. This can be a purchased or rented property.

4.

Medical examination

The main medical check‑up takes one day. On the same day, the investor takes a Mantoux test, which is checked three days later.

5.

Receiving residency cards

The application is processed within 3 months. During this time, the investor may return to their country of permanent residence.

Investors do not need to come to Andorra to receive residency. Cards may be delivered through an authorised representative. The first card is valid for two years.

6.

Fulfilling the investment requirement 🔥

The investor has six months after obtaining residency to meet the conditions: purchase real estate or another financial asset and place a security deposit with the Central Bank of Andorra.

If necessary, the investor opens an account with a bank in Andorra.

Why choose us

1

Reliable partner

Passportunity operates strictly within the framework of the Law 5/2025 of March 6 for sustainable growth and the right to housing and its amendments.

2

Deep Expertise

11+ years in investment immigration and financial matters to solve the most complex client challenges.

3

Individual Approach

We develop step-by-step plans, taking into account client requirements, to achieve optimal results.

4

Support at every stage

From the first consultation and even after receiving the desired document, we provide legal support.

5

Additional services

Get a tax number, sign a rental agreement or apostille additional documents — we will fulfill any request.

6

Flexible communication and 24/7 availability

Meet us in person or online, whatever suits you best.

We respond to inquiries within two hours. Your case is handled by a dedicated lawyer who is always in touch.

From idea to residence permit with expert support

For over 10 years, we've been helping clients navigate the path to citizenship and residency. Our approach combines in-depth knowledge of international law with a practical understanding of local bureaucratic systems. Every case is handled with a bespoke strategy, refined to the last detail.

Personal meeting

Frequently asked questions

An applicant for Andorra residence by investment must purchase real estate and financial assets worth at least €1,000,000. An alternative option is a contribution to the Housing Fund starting from €400,000, but as of March 2026, this option is not available.

The investor transfers an insurance deposit to the country’s Central Bank — €50,000 for the main applicant and €12,000 for each family member included in the application. This amount is already included in the main investment amount, except for the property purchase option.

In addition to the investment, the following expenses apply:

  • realtor’s services — €24,000+;
  • Due Diligence check — €18,000+;
  • residency card fee — €3,000 for the main applicant and €1,000 for each dependent;
  • administrative fee — €1,000 per person in the application;
  • health insurance — €1,400+ per adult and €500+ per child.

The process takes about four months. In some cases, it may take longer — for example, due to workload at the migration office or complications with purchasing real estate.

The investor must keep the investment to avoid annulment of residency and continue owning the property or financial assets. Funds can be withdrawn if the investor gives up residency or obtains citizenship of Andorra.

The security deposit of €50,000 is non-refundable.

Andorra offers two types of residency — with the right to work and without it. With the right to work: foreigners may be employed or run their own company. Residency without the right to work, or passive residency, is available for investors, entrepreneurs with remote income, digital nomads, international professionals in arts, sports and science, and retirees.

Investors may obtain residency by purchasing financial assets, including a stake in a local company, debt and financial instruments, life insurance products, or interest-free bank deposits.

The minimum investment is €1,000,000. The applicant also transfers at least €50,000 as an insurance deposit to the Central Bank of Andorra — this amount is deducted from the main investment amount, except for the property option.

If the investor buys property, the minimum threshold remains the same — €1,000,000. In this case, €800,000 can be invested in the property purchase, and the remaining amount in financial instruments.

Another option is to make a contribution to the Housing Fund. But as of March 2026, the fund has not been established, and this option is not available.

Yes. The investor must travel to Andorra and submit the application in person. The procedure usually takes two days: the first day is for submission of documents, and the second for the interview. A medical examination can also be completed during the trip.

Residency may be renewed if the investor continues to hold financial assets and receives the required passive income from abroad. In 2026, the annual income threshold is €54,900.

The first residency is issued for 2 years. It can then be renewed according to the 2–3–10-year rule. To maintain residency, one must live in the country for at least 90 days a year.

The migration authorities may refuse an application if the applicant:

  • provided false information;
  • failed to prove the legality of income;
  • concealed a criminal record;
  • poses a threat to the country’s reputation or security.

Andorra grants citizenship by naturalisation after 20 years of residence. Applicants must pass exams in Catalan language, history and geography.

Birth in Andorra does not give the right to citizenship for children of foreigners. Citizenship is passed by descent: the child inherits the nationality of their parents.

Citizenship may also be obtained through family reunification or marriage. Children of foreigners may qualify if they study in an Andorran school for 10 years or if their parents have lived in the country for at least 10 years.

No. Andorra does not recognise dual or second citizenship. Applicants for an Andorran passport must renounce their previous citizenship.

Passportivity Head of the Investment Department Yulia Malloy

Contact us today

We will help you obtain Andorra residence permit by investment without unnecessary hassle. We minimize risks so you don't waste time and money.

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