Residency Types
Choose your
resident status
For rentiers & HNWI
For individuals with wealth who want to establish tax residency in Andorra without carrying out local economic activity. Ideal for investors, rentiers, retirees and professionals with passive income.
- Minimum stay of 90 days per year in Andorra.
- Owned or rented housing.
- Private health insurance.
- Income above 300% of the Andorran minimum wage (+100% per dependant).
- €50,000 deposit with the AFA (+€12,000 per dependant).
- Total investment of €1,000,000 in Andorran territory.
For entrepreneurs & employees
For entrepreneurs and professionals who want to reside in Andorra and run their economic activity from the Principality.
- Incorporate or acquire an Andorran company (more than 34% of the capital) and act as director or board member.
- Minimum stay of 183 days per year.
- Owned or rented housing.
- CASS health coverage (~€490-810/month).
- €50,000 deposit with the AFA.
For competitive athletes
Special regime for competitive athletes at international level. Same basis as passive residency, with exemption from the investment requirement.
- Minimum stay of 90 days per year in Andorra.
- Owned or rented housing.
- Exemption from the €1,000,000 investment requirement.
- Only the €50,000 deposit with the AFA is required.
We also offer the digital nomad status — a variant of passive residency designed for remote workers billing international clients (minimum income: 3× the Andorran minimum wage; typical timeframe: 3 months). Very limited places each year.
Additional Services
Everything included in your support
- Opening an Andorran bank account.
- Sourcing and managing insurance (health, home, vehicle).
- Obtaining an Andorran driving licence.
- Setting up essential services (phone, fibre, electricity).
- Family reunification (spouse and children): residency + CASS registration.
- Advice on schooling.
- Recommendations on where to live based on your profile.
Our Process
Seven stages, one pilot: us
Day 1
Preliminaries & KYC
Engagement letter, document checklist, KYC compliance
2–3 wks
NIA & company name
Administrative identification, name reservation
2–6 wks
Foreign investment
Authorisation from the Government of Andorra
2–4 wks
Incorporation
Articles of association, bank, signing before a notary
± 2 wks
Company registered
Entry in the Companies Register: the company exists
2–6 wks
Trade Register
Official start of the business activity — a separate step from registering the company.
Subject to quota
Residency
Application possible once the company is registered; medical check, residence card.
Total duration: 3 to 6 months
Several steps run in parallel; our team coordinates the authorities, the notary and the bank, and only calls on you for the signatures.
Immigration quota
The quota reservation is made during the project — or even afterwards — and the residency application can only be filed once the company is registered. We time your application to the windows the Government opens by decree.
Compliance at the heart of the file
Know-your-customer (KYC) checks and proof of the source of funds, methodically prepared from the very first working session.
Sources: Llei qualificada d'immigració and Decret 388/2025 · Llei 20/2007 de societats.
Lessons learned
The five mistakes that sink an Andorran project
Underestimating the substance required
Residency “on paper”, sham offices: the bank says no or the tax authorities requalify you. A real, demonstrable presence is the keystone of the project.
Going to the bank too late
Bank compliance (KYC) is the most demanding stage of the journey. We prepare your banking file from day one, not at signing.
Ignoring exit taxation
Exit tax, year of departure, income in progress: leaving your home country is planned before the move, never after.
Letting documents expire
A criminal record certificate is only valid for 3 months. A badly sequenced timeline means starting over — we orchestrate each application at the right moment.
Getting paid before being structured
A sale or a payment received before your residency has actually moved may still be taxed in your home country.
Our role: securing every angle.
A well-sequenced project runs into none of these mistakes. That is exactly our job — and the reason for our success rate.
General illustrations drawn from our practice — every situation calls for an individual analysis.
Frequently Asked Questions
Residency FAQ
It depends on the modality. Passive residency requires 90 days a year; active residency requires 183 days.
Yes. Spouse and children obtain residency through family reunification and are registered with CASS.
Yes, it's possible, but the associated costs are significantly higher than for residents, both in fees and in minimum balances and documentary requirements. If you plan to move to Andorra, it's often worth waiting until you have residency to open the account on standard terms.
Yes, and it's actually a necessary step: to incorporate the company, the share capital must be deposited, which requires opening a provisional account in the company's name — something that can be done before obtaining residency. This account stays blocked during the incorporation phase (it only accepts the share capital) and is unblocked once the company is registered with the Trade Registry and sufficient substance in Andorra is demonstrated to carry out the activity. From that point on, the account operates normally.
There are four main institutions: Andbank, Creand (formerly Crèdit Andorrà), MoraBanc and MyAndBank (Andbank group's digital fintech, with no fees on everyday transactions). Not all of them respond equally fast or treat every profile the same way.
Basically, personal identification (passport or ID card) and documentation proving the source of funds (tax returns, payslips, sale contracts, bank statements, etc.). For companies, you must also provide the deed of incorporation, the registry entry and the identification of the beneficial owners (UBO). Andorran residency isn't always essential, but it does affect the opening conditions. Each bank may request additional documentation depending on the profile.
It depends on the bank, the timing and the client's profile. Under normal circumstances, between 2 and 6 weeks from submission of the complete documentation. Banks apply rigorous KYC/AML procedures (Law 14/2017 on the prevention of money laundering), and if the profile is complex or the documentation incomplete, the process takes longer. Patience is needed, along with having the full file ready from the outset.
Yes, it's essential. Traceability of the origin of the wealth is the central point of any account opening: the larger the wealth being brought in, the more robust the documentation must be. In all cases, the funds must have been duly declared in the country of origin.
There's no obstacle in principle, but its origin will need to be documented with the same rigor as any other asset: transaction history, tax returns including the gains, and clear traceability. If a significant part of your wealth comes from crypto-assets, contact MCA before starting the process so the file can be properly prepared.
If you're a tax resident in Andorra, no: Andorran residents aren't subject to the automatic exchange of information (CRS). If, at the time of opening the account, you're still a tax resident in France, Spain or another state with a CRS agreement, the bank will request a self-certification of residency and will report the balance and income to your country. That's why the sequence and timing of the account opening can have significant tax implications.
For Andorran companies waiting for their account to be unblocked, the usual solution is Wise Business, which can be activated as soon as the company is registered with the Trade Registry and allows international transfers to be received in the meantime. Note that Revolut does not work in Andorra.
Yes. Banking support is part of MCA's comprehensive service: we guide you to the bank best suited to your profile, help you prepare the documentation and follow up on the entire process. Opening the company account and unblocking it are included in the incorporation and residency package.
Free Initial Consultation
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residency application
Our experts analyse your profile and advise on the right residency type in a confidential, no-commitment consultation.