Family reunification
Low taxation
Your money belongs to you.
Preserve your wealth:
4.5% VAT, taxation capped at 10%,
no wealth
or inheritance tax.
Zero crime
For you and your family, there
is still a choice:
Andorra is one of the safest countries
in the world, far from crime
French cities.
Health system
The 3rd best health system
in the world (Commonwealth Fund);
Somos uno de los 10 países con mejor esperanza de vida del mundo Un entorno de vida saludable y acceso a una asistencia excepcional.
Family reunification in Andorra
The process of family reunification in Andorra enables a newcomer to request authorisation to live in the country through reunification with an Andorran national or working resident, under certain conditions.
The following persons are eligible:
✓ The spouse or registered partner.
✓ Children under the legal age for whom they have legal custody, also adult dependent children up to the age of 25 if they are students or under protection in a similar institution.
✓ Dependent ascendants aged at least 65 or retired.
✓ Individuals under legal guardianship or protected by a similar institution, as long as both parents have lost their parental responsibility.
Applicants must have a clean criminal record, provide a civil status document (birth certificate for minors) and show proof of a health, disability and retirement insurance for themselves and any dependents. If the applicant is registered with the Andorran Social Security System (CASS), any dependents will also be covered.
Moreover, applicants must prove financial means that represent 100% of the Andorran minimum wage, through the last three pay slips and list of points from the CASS in the case of an employee, or a bank certificate of solvency and an affidavit in other cases. Proof must also be provided that the income represents an amount that is equal to or higher than 70% of the Andorran minimum wage for each adult living in the same household and an amount that is equal or higher than 40% of the Andorran minimum wage for each minor.
Your income: France vs Andorra
Tax simulator
45K
Annual income (€3,750/month)
180K
Annual income (€15,000/month)
450K
Annual income (€37,500/month)
Immigration cap
Limited entry quota
In order to preserve its natural balance and the comfort of its inhabitants, Andorra has set an entry limit of 100,000 individuals. This policy enables it to guarantee pleasant living conditions for its permanent residents, while conserving its limited natural resources such as electricity, water and what is exceptional air quality in Europe.
Prudent management of its resources is essential to the continued development of Andorra’s economy and tourism, and to preserve the uniqueness of its environment..
Fidencis simplicity
Your residence in 4 steps
01
First contact
Book a time slot or write to us about your requirements.
02
Private conversation
Talk to us about your plans and we will find the best solutions.
03
Your project, our priority
We take care of all the procedures required to bring your project to fruition.
04
Welcome to Andorra
All you have to do is relax and discover our beautiful country while we take care of all the formalities.
Expatriation in Andorra Most frequent questions
In Andorra, holdings can be set up as joint stock companies (S.A.) or limited companies (S.L.).
A minimum capital of €60,000 will be required to set up a limited liability holding company in Andorra, and must be divided into numbered shares and registered with the Companies Registry. For limited liability companies, the minimum capital is €3,000, divided into non-negotiable shares.
Holdings in Andorra have many advantages, especially in terms of optimising expenses. The companies within the business group can manage their expenses better, thanks to coordination of the holding’s activities. Moreover, accounting is more efficient and the company’s participation in the market is optimised. Companies integrated into the holding company also benefit from greater stability in their activities by reducing economic risk, while guaranteeing compensation to shareholders in the event of economic loss.
When you decide to settle in Andorra, in one of the 7 parishes, the question of accommodation is important.
The first option is to buy a property with a residence permit and a foreign investment authorization issued by the relevant Ministry. Non-residents may also purchase property legally, subject to obtaining a Foreign Investment Authorization.
To rent accommodation, you must open a bank account. The minimum rental contract is for five years. The contract can be terminated within this period and a change of address with a notice period of only 3 months. Rental prices fluctuate greatly, depending on the type of property, its location, the floor area and also the season. The best time to look for a property is from May onwards.
Fidencis forms part of the NODUM CORPORATE group and is a Family Office, authorised, regulated and supervised by the Andorran Financial Authority (registration number ASF-01/17), with total legitimacy to assist you in opening a bank account and managing the legal procedures, as required.
Andorra has become a secure and solvent financial centre thanks to the automatic exchange of CRS information and strict observance of anti-money laundering regulations by the banks.
There are currently 3 banks in Andorra, Andbank, Morabanc and Creand, all solvent and ranked among the most solid in Europe. They do not have access to European Central Bank funds, so their financing strategy is more conservative and this ensures greater stability. Individuals, businesses, residents or non-residents can open an account in Andorra, but must observe the banks’ anti-money laundering regulations and FATCA protocols and provide the source of the funds, as well as document transactions of a significant nominal value.
Andorra has long been considered an uncooperative tax haven before it was removed from the blacklist in 2009.
Since then, the Principality has introduced tax transparency, sharing information on tax nomenclature and conforming to international standards. Although the country no longer meets the OECD criteria of a tax haven, it continues to attract entrepreneurs and investors thanks to its low tax rate. Corporate tax is limited to 10%, IGI (equivalent to VAT) is 4.5% and dividends are tax exempt. The real estate market also benefits from an advantageous tax regime.
Although the quality of life is one of Andorra’s main attractions, some still consider it a tax haven, which is not difficult considering the point of view of its neighboring countries.
Caixa Andorrana de Seguretat Social (CASS) is the centralized social security organization responsible for managing reimbursements for medical and hospital expenses.
Membership in CASS is compulsory for all residents and salaried employees working in the Principality. Social security and health cover in Andorra are divided into 2 branches: the general branch, and the retirement branch for the management of retirement and widowhood pensions. The amount of contributions varies according to professional status, ranging from 6.5% for an employee to around €540.00 for a self-employed person. CASS covers healthcare costs at a rate of between 75% and 100%. It also covers between 90% and 100% of the cost of hospitalization, workplace accidents and occupational illnesses.
CASS is an important institution in the Principality and provides residents with health insurance based on international agreements with its European partners, which allows compatibility with French and Spanish hospitals.
