AFA Contribution
A contribution of €50,000 to the Andorran Financial Authority (plus €12,000 per dependent), non-refundable since Law 2/2026: it is returned only if the initial permit is refused.
Paid to the Andorran State
Passive Residency · Andorra
Passive residency in Andorra:
Passive residency in Andorra:
invest and reside, without local activity.
Settle in Andorra without working: investors, those living on investment income, active retirees. An investment from 1 M€, a presence of just 90 days, and rare fiscal peace of mind.
Passive residency in Andorra, in brief
- Who it is for: investors, rentiers, retirees, directors of foreign companies — without a local professional activity.
- Investment: €1,000,000 in Andorran assets since Law 2/2026 (property — more than €800,000 per unit —, shareholdings, government bonds), or €400,000 in the Housing Fund; on top of this comes a non-refundable €50,000 contribution to the AFA (+€12,000 per dependant).
- Presence: 90 days a year minimum for the permit; tax residency requires more than 183 days or the centre of economic interests.
- Taxation: IRPF 0 to 10%, private pensions taxed in Andorra (2013 treaty), no wealth or inheritance tax; quota of 200 permits in 2026 — plan ahead.
Andorre Gestoria — French-speaking tax and wealth advisory firm, Canillo (RLG CAPITAL, SL). Rules in force as of 3 September 2026 (the former €600,000 threshold is obsolete).
Andorra
Settle without working
Passive residency: the Andorran lifestyle,
Assess my eligibility
Passive residency: the Andorran lifestyle,
without any activity requirement.
Passive residency is designed for those who wish to enjoy Andorra without working there: investors, entrepreneurs post-exit, those living on investment income, active retirees. In return for an investment in the country, you gain an exceptional quality of life and some of Europe's most advantageous tax conditions.
One investment, several routes
€1 M in Andorran assets (property, securities, government bonds) or €400,000 through the Housing Fund.
Just 90 days a year
The minimum presence requirement is 90 days per year, giving you remarkable freedom of movement.
Wealth & peace of mind
No wealth tax, no inheritance tax: your assets can truly breathe.
Investment routes
Requirements for passive residency in Andorra:
Requirements for passive residency in Andorra:
three ways to meet the €1M investment.
Since the 2026 reform, passive residency requires an investment in Andorra. You choose the route; we handle the structuring.
| Investment route | Minimum amount |
|---|---|
| Andorran assets (real estate, securities, public debt) | 1 000 000 € |
| Of which real estate: minimum value of each property | > 800 000 € |
| Housing Fund (Habitatge) | 400 000 € |
| In real estate, each property acquired must exceed €800,000 — the total required remains €1M. In addition, a non-refundable €50,000 contribution to the AFA is required (plus €12,000 per dependent), along with income of at least 300% of the Andorran minimum wage. | |
Additional requirements
AFA contribution, 90 days of presence, insurance: what this means, in practice.
Beyond the investment, three further elements complete the application. We bring them all together with you.
Sufficient income
You must demonstrate income of at least 300% of the Andorran minimum wage (pensions, investment income, business revenues…), increased per dependent.
Proven financial standingInsurance & housing
Private health insurance covering Andorra (passive residents do not contribute to CASS) and accommodation on Andorran territory.
Coverage & domicile
90 days to hold residency, 183 for tax residency.
The passive resident card requires 90 days per year. To become a tax resident of Andorra, the 183 day threshold and the location of your centre of interests are what matter. We calibrate your move for a solid, unassailable residency.
Our process
Obtaining passive residency in Andorra:
Obtaining passive residency in Andorra:
from eligibility to resident card, in 6 steps.
You provide a few documents; your dedicated French-speaking adviser manages the investment, AFA and Immigration.
Eligibility & strategy
We assess your profile, your income, and the most suitable investment route.
File preparation
Passport, criminal record certificate, proof of income and source of funds, health insurance.
Investment
We structure your investment: €1 M in Andorran assets (more than €800,000 per property) or €400,000 through the Housing Fund.
AFA contribution & application
Non-refundable contribution of €50,000 to the AFA and submission of the application to the Immigration Service.
Review & authorisation
We monitor the file through to the immigration authorisation.
Resident card & settlement
Obtaining the card and full support for your move (accommodation, banking, lifestyle).
Frequently asked questions
Passive residency: your questions answered.
What investment is required for passive residency in 2026?
€1,000,000 in Andorran assets, or €400,000 through the Housing Fund. A non-refundable €50,000 contribution to the AFA is also required (plus €12,000 per dependant).
How many days must you spend in Andorra?
Passive residency requires only 90 days per year. To become a tax resident, you should aim for 183 days and establish your centre of interests there.
What income must you demonstrate?
At least 300% of the Andorran minimum wage, increased per dependent. Pensions, investment income and business revenues are all accepted. We verify your eligibility in advance.
Does passive residency give access to CASS?
No: without employment, you do not contribute to the Andorran social security system. Private health insurance covering Andorra is required — we guide you to the right solutions.
Can you invest in real estate to obtain residency?
Yes: real estate counts towards the required one million euros, provided each property acquired exceeds €800,000. There is no reduced €800,000 tier for real estate. Discover how to invest in Andorran real estate.
Planning to work in Andorra? See active residency. For the full picture, explore tax residency and discover life in Andorra.
