AFA Deposit
A deposit of €50,000 with the Andorran Financial Authority (plus €12,000 per dependent), non-refundable since 2026.
→ Paid to the Andorran State
Passive Residency · Andorra
Passive residency in Andorra.
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.
Andorra
Settle without working
The Andorran lifestyle,
Assess my eligibility
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
From €1 M in Andorran assets, €800,000 in real estate, 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
Three ways to meet
Three ways to meet
the investment requirement.
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 € |
| Residential real estate | 800 000 € |
| Housing Fund (Habitatge) | 400 000 € |
| In addition, a €50,000 deposit with the AFA is required (non-refundable, plus €12,000 per dependent), along with income of at least 300% of the Andorran minimum wage. | |
Additional requirements
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
From eligibility to resident card,
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 assets, €800,000 in real estate, or €400,000 through the Housing Fund.
AFA deposit & application
Lodging of the €50,000 AFA deposit 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 €800,000 in real estate, or €400,000 through the Housing Fund. A deposit of €50,000 with the AFA is also required.
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.
Is the AFA deposit refundable?
Since 2026, the €50,000 deposit (plus €12,000 per dependent) is no longer refundable, except in the event that the initial immigration authorisation is refused.
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, it is a popular route: €800,000 in Andorran real estate satisfies the investment requirement. 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.