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AndorraInvestors & entrepreneursLast checked October 17, 2026

Residence without lucrative activity

passive residence

Andorra's passive residence lets non-working foreigners live there if they make Andorra their main residence for at least 90 days a year. Since Law 2/2026, the main holder must invest at least EUR 1,000,000 in Andorran assets (EUR 400,000 if invested in the Housing Fund), with property units costing over EUR 800,000 each. The holder must also pay a non-refundable EUR 50,000 to the Andorran Financial Authority (EUR 12,000 per dependant) and show annual income above 300% of the minimum wage. Authorisations are subject to an annual quota: 163 for 2026 under Decree 74/2026.

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Life in Andorra

Money

2

Currency

Euro

EUR

Euro

Tax

5–10%

Income tax (national)

IGI 4.5%

No tax on the first EUR 24,000 of income; effective 5% between EUR 24,000 and 40,000 (via a bonus of up to EUR 800); 10% above.

Official rates, 2026 · headline only

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Who it’s for

Financially independent foreigners, retirees and investors who will not work in Andorra.

Eligibility

  • Main residence

    Make Andorra your main and effective residence for at least 90 days per calendar year, without working.

    90 days

    Minimum stay

    • Managing your own assets is allowed
    • Unpaid director roles allowed where holder owns 50% or more
    • Rule is in art. 95
    Official wording

    Must make Andorra the main and effective residence for at least 90 days per calendar year without working (art. 95). Managing own assets and unpaid director roles in companies where the holder owns 50% or more are allowed.

  • Investment

    You need to invest at least EUR 1,000,000 in the eligible Andorran options listed, or less if using the Housing Fund.

    Investment amounts

    Standard minimum
    EUR 1,000,000
    Housing Fundreduced amount
    EUR 400,000
    Each property unitmust cost over this
    EUR 800,000
    • Andorran real estate, company shares, or debt or financial instruments of Andorran entities
    • Andorran funds (max 36 months), public debt, life insurance
    • Non-interest deposits with the AFA
    • Art. 96 as amended by Law 2/2026
    Official wording

    At least EUR 1,000,000 in Andorran real estate, company shares, debt or financial instruments of Andorran entities or Andorran funds (max 36 months), public debt, life insurance, or non-interest deposits with the AFA; reduced to EUR 400,000 if invested in the Housing Fund. Each property unit must cost over EUR 800,000 (art. 96 as amended by Law 2/2026).

  • Non-refundable payment

    Pay a non-refundable amount to the AFA for the main holder and for each dependant.

    Payment to the AFA

    Main holder
    EUR 50,000
    Each dependant
    EUR 12,000
    • Refunded only if the initial application is refused
    Official wording

    EUR 50,000 to the AFA for the main holder and EUR 12,000 per dependant; refunded only if the initial application is refused.

A sneak peek at what's inside

  • Next requirementIncome
  • Document checklistApplication form
  • FeesNon-refundable payment to the AFA (main holder)

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  • 3 more requirements
  • 6 documents
  • 4 fees
  • 5 steps
  • Processing times and conditions
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