Day trading, swing, crypto, funded accounts: your gains are taxed at 10% maximum, and your capital is never taxed simply for being held. One Andorra-based firm runs your entire relocation.
Trading in Andorra, in brief
Andorre Gestoria — French-speaking tax and wealth advisory firm, Canillo (RLG CAPITAL, SL). Up to date as of 15 October 2026.
A tax scale you can compute in your head, contained capital gains, and wealth that is never taxed merely for existing.
Gains on shareholdings of 25% or less: exempt. Derivatives and crypto-assets: savings base, 10% after a €3,000 allowance. Example: €120,000 of taxable crypto gains, €11,700 of tax (≈9.75% effective) — full details in our Andorran taxation guide.
(gains − €3,000) × 10%Securities gains and crypto gains fall under the 10% cap — holding is never taxed (Law 24/2022). France’s 2026 flat tax takes 31.4% of the same gains.
Roughly three times less than in FranceNo wealth tax, no inheritance or gift tax. Your capital is never taxed for merely existing — and it passes on intact.
Your wealth can breatheFor an identical gain, here is what France and Andorra take in 2026 — general case, before any structuring.
| Levy | France | PrincipalityAndorra |
|---|---|---|
| Securities capital gains | 31.4% (flat tax) | ≤10% |
| Crypto capital gains | 31.4% (flat tax) | ≤10% |
| Professional trading (activity) | Scale up to 45% | ≤10% |
| Dividends (Andorran source) | 31.4% (flat tax) | 0% |
| Wealth tax | IFI up to 1.5% | None |
| Inheritance tax | 45% in the direct line, up to 60% | 0% |
| Rates in force in 2026, general case. Measure the gap on your own numbers with the tax simulator or the tax comparator. | ||
The Andorran administration distinguishes the private investor from the professional operator. The right qualification is prepared in advance — that is our job.
Volumes, instruments, status: we quantify it during the assessment — or compare Andorra and France with our simulator.
Andorra
Three decisions shape your relocation. Taken in the right order, they make your setup unassailable.
Trading profile, volumes, instruments: we model your Andorran taxation and the real gap with your current situation.
Passive or active residency, possible company, a calendar that accounts for the exit tax: every decision is settled with numbers.
Immigration, housing, bank account, coordination with your brokers: one adviser drives it all.
IRPF and corporate filings, compliance, adjustments as your activity evolves: your framework stays solid over time.
Securities gains fall under the IRPF, capped at 10%: disposals of shares are exempt as long as the holding does not exceed 25% (Law 5/2014, art. 5.k), and other gains — derivatives, crypto-assets — fall within the savings base, taxed at 10% after a €3,000 allowance. Holding your portfolio is never taxed. The precise regime depends on your profile: we quantify it during the assessment.
Law 24/2022 governs digital assets: mere holding is untaxed, and disposals are taxed at 10% maximum through the IRPF — versus a 31.4% flat tax in France in 2026. A habitual crypto trader may see the activity qualified as professional, still within the 10% cap. See our crypto taxation guide.
Not necessarily. Trading your own capital often remains in the private sphere. A company (SL, holding) becomes relevant for an organised activity or substantial wealth: 10% corporate tax, Andorran-source dividends exempt. We compare both scenarios for your case.
Yes. Prop firm payouts remunerate a service: they are activity income, taxed at 10% maximum. Depending on your volumes, we structure the invoicing personally or through a company, with IGI and agreements properly framed.
Article 167 bis of the French tax code targets taxpayers holding more than €800,000 in securities (or at least 50% of a company): their latent gains fall within the scope of a departure levy. Payment deferral, disposal calendar and documentation are prepared before leaving — the topic is covered in our exit tax guide.
The passive residency card only requires 90 days per year, but tax residency — the one that matters to the French administration — is built on 183 days and the centre of your interests. The 2013 tax treaty secures that recognition; we calibrate your relocation so it is unassailable.
Generally, yes: most international platforms accept Andorran residency once your file is updated. Andorran banks complete the setup (multi-currency accounts, securities custody) within a transparent, treaty-based framework (CRS). See opening a bank account in Andorra.
A confidential conversation to assess your situation, quantify the gap and choose the most advantageous framework.
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