Residence in Andorra

Moving to Andorra: 3 reasons



Your money belongs to you. Preserve your wealth:
4.5% VAT, taxation capped at 10%, no wealth or inheritance tax.



For you and your family, there is still a choice. Andorra is one of the safest countries in the world, far from crime.



One of the 3 best healthcare systems in the world (Commonwealth): life expectancy among the top 10 countries in the world. A healthy living environment and exceptional access to healthcare.

Residence in Andorra

Requirements for obtaining a residence permit

Applications for residence in Andorra are ever more prized, due to a quality of life and security that are rare to find today, together with what is a unique level of taxation in Europe and much higher GDP per capita than its neighbours, all in a stunning, spacious, natural environment. To obtain a residence permit for Andorra, you must meet certain conditions. There are two general types of residence permit: active or passive. Active residence allows the holder to pursue professional activities through a work permit or the creation of a company in Andorra. For passive residence, on the other hand, the holder does not generate an income or else obtains 85% of their business outside the Principality.

The different types of residence permit in Andorra are passive residence without gainful employment (chosen by the retired); passive residence for investors; residence for personalities (in science, culture or sports); residence for professionals with international business;residence permit for admission into elderly care or treatment centres, and residence obtained through family reunification. The requirements are different for each option and it is our job to guide you in choosing which is best for your situation, so that you too can join the fortunate few who have settled in Andorra.

Residence period


Proof of income


Rent or buy

Andorran bank

Health insurance

Valid documents

Criminal record

Medical examination

The benefits of residence in Andorra

  • A dynamic capital surrounded by nature
  • Enjoy the very attractive tax system
  • No inheritance or donation taxes
  • Your dividends will be tax-free
  • Access to real estate investment in Andorra
  • Only 10% tax on Crypto capital gains
  • Stock market capital gains are tax-free
  • Registration with the CASS for healthcare reimbursements
  • 2.5 hours from Toulouse and Barcelona

Fidencis Agency

Our relocation services

With a very experienced multidisciplinary team, we are the only agency that can manage so many services in Andorra.

Active or passive residence?

Andorra is a popular destination for workers, retirees, sportspeople, foreign investors and public personalities, looking for a peaceful, safe lifestyle with beneficial tax advantages. Andorran immigration legislation has introduced significant changes in residence permits.

The Principality of Andorra proposes 2 types of tax residence“active” and “passive”. Active residence is granted to those who want to work or set up a business in Andorra, while passive residence is designed for those who do not work there but wish to invest there. Passive residents are classed into 4 groups. residents without gainful activity, investors, personalities and international.

To obtain passive residence without gainful activity or as an investor, it is necessary to fulfil certain requirements, such as a minimum investment of €600,000 in Andorran assets, including real estate, and proof of income of over 300% of the Andorran minimum wage. International passive residence is for entrepreneurs who generate at least 85% of their turnover outside the Principality. Personalities are individuals who are outstanding in the fields of sport, culture or science.

It is important to note that active residents must spend at least 183 days per year in Andorra, compared with 90 days for passive residents, in order to keep their residence permit.

Your income: France vs Andorra

Tax simulator


Annual income (€3,750/month)

For €50,000 annual profit
Dividend tax: 0%
No property tax
Social security contributions from wages between 6,5% and 22% of wages (CASS)
No double taxation, tax only on profit


Annual income (€15,000/month)

For 200,000€ annual profit
Dividend tax: 0%
No property tax
Social security contributions from wages between 6,5% and 22% of wages (CASS)
No double taxation, tax only on profit


Annual income (€37,500/month)

For 500,000€ annual profit
Dividend tax: 0%
No property tax
Social security contributions from wages between 6,5% and 22% of wages (CASS)
No double taxation, tax only on profit

Is Andorra a tax haven?

Andorra is often referred to as a tax haven because of its relatively low taxation. However, this is often interpreted wrongly. Since 2009, the Principality has not been considered a non-cooperative tax haven and has progressively introduced tax transparency.

Before 2009, Andorra was considered to be a non-cooperative tax haven. At the time, the Principality was a popular destination for those seeking to avoid tax. However, in 2013, the Principality introduced taxes on local economic activities and, since 2015, Andorrans have been subject to income tax. Over the years, tax transparency has been progressively introduced into the Principality, which now complies with international regulations.

There is no official definition of a tax haven but the OECD proposes 4 criteria: Very low or zero taxation, bank secrecy, freedom granted to shell companies with fictional activities, and legislation that prohibits information exchanges with other administrations.

Despite its history, the Principality of Andorra no longer appears in the list of tax havens. Andorra has signed information exchange agreements with all taxable countries, has adopted 10 agreements to avoid double taxation, and has made a transparency agreement with the Council of Europe and the OECD. Andorra also appears in the list of countries that comply with tax legislation, is active in anti-money laundering, and has introduced a tax system that observes international standards.

Andorra is still a prized relocation destination because of its exceptional quality of life and very attractive taxation. Investment in this country is constantly increasing, and the local government has introduced this system specially to promote the Andorran economy.

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1Gb/s optical fiber

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Activities of all kinds

Living in Andorra

Living in Andorra is one of the best options for those who like a natural, mountainous environment, with a high quality of life, where you can practise a great variety of sports.

This country offers interesting employment prospects, notably in the sectors of tourism, sports and skiing, as well as the banking sector.

The CASS is the healthcare system in Andorra. It has certain particularities, such as co-payment, free choice of doctor, and compatibility with hospitals in France and Spain!

The education system in Andorra is comprehensive and comprises the Andorran, French, English and Spanish schools, offering parents a wide range of options for their children’s education.

It is useful to have a vehicle to get around Andorra, but there is also an extensive network of buses between the towns. Communications with France and Spain are by road, by car or bus.

Andorra offers its inhabitants a unique standard of living, with per capita GDP of over €46,000 and a legal minimum wage similar to that of France. It is also known for its exceptional security and zero crime, contributing to a higher life expectancy than in most other European countries.

About 90% of the territory consists of forests, rivers, meadows and mountains, which offer a prime natural environment for fans of mountain sports, such as hiking, climbing, MTB, Alpine skiing, cross-country skiing and snowshoes. The ski and mountain resorts of Grandvalira and Vallnord offer residents a space for recreation and a number of sporting events, with more than 300 km of ski slopes.

Andorra, a bright future is still possible

3rd best health system in the world

Based on the Commonwealth Fund official figures,
and top of the list in the scientific report published in The Lancet medical
review in 2017.

✓ Cutting-edge medical technology
✓ Simplified, centralised medical system
✓ Hospital agreements with France and Spain
✓ Covers 75% of medical costs

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..

Inhabitants: 80,000/100,000

Fidencis simplicity

Your active residence in 4 steps


First contact

Book a time slot or write to us about your requirements.


Private conversation

Talk to us about your plans and we will find the best solutions.


Your project, our priority

We take care of all the procedures required to bring your project to fruition.


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.

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