Concierge service for Andorra Passive Residency. You hire My Latin Life; local immigration specialists (and licensed counsel where required) file on your behalf. The deliverable: a residency or visa filing coordinated with local specialists — not advice, not a DIY packet.
Andorra’s Passive Residency (Residència passiva) is a low-tax residency program in a micro-state nestled between France and Spain in the Pyrenees. Andorra has a maximum income tax rate of 10% and no wealth tax, no inheritance tax, and no capital gains tax on investments held longer than one year. For high-income individuals seeking a European base with dramatically lower taxes than France, Spain, or the UK, Andorra offers a genuine alternative. We handle the full application with our licensed Andorran advisors.
Passive Residence Permit (Permis de Residència Passiva)
Passive / Non-Lucrative Residency
€50,000 with AFA (Autoritat Financera Andorrana) + €10,000 per dependent
Sufficient to live in Andorra without working (~€26,000+/year; confirm during consultation)
90 days/year minimum in Andorra
Cannot work for Andorran employers (passive income or foreign remote work with restrictions)
10% flat rate (on Andorran-source income above €24,000/year; first €24,000 exempt)
None on investments held more than 1 year
None
Permitted
20 years (10 years for Spanish/Portuguese/French nationals)
Servei d’Immigració del Govern d’Andorra
Program Overview
Andorra is a microstate of ~79,000 people in the eastern Pyrenees, surrounded by France and Spain. It is not a member of the EU or EEA, which means Andorran residents do not get EU free movement rights — but what they do get is one of Europe’s lowest tax environments, surrounded by French and Spanish culture, infrastructure, and lifestyle.
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The Passive Residency program is for individuals who live off foreign income or savings and do not need to work within Andorra. The deposit requirement (€50,000 at AFA) is a security bond, not a permanent investment — it is returned if you leave. Income is taxed at a maximum of 10% (with the first €24,000/year exempt), there is no wealth tax, no inheritance tax, and no capital gains tax on investments held over 1 year. For high earners, the comparison to France (up to 45% income tax) or Spain (up to 47%) is stark.
Practical note: The citizenship timeline in Andorra is long — 20 years for non-Spanish/Portuguese/French nationals. Andorra is typically chosen for its tax profile and lifestyle, not as a citizenship play. Most clients who pursue Andorra residency maintain citizenship elsewhere and use Andorra as a primary tax residence within Europe.
Watch our full guide to Andorra passive residency.
How to Qualify
Financial deposit: €50,000 deposited with AFA (Andorran Financial Authority) as a non-interest-bearing security bond (€10,000 per additional dependent)
Financial means: Demonstrate sufficient income or assets to live in Andorra without working (~€26,000+/year; confirm exact requirement during consultation)
Physical presence: Minimum 90 days/year in Andorra required to maintain the permit
Accommodation: Proof of housing in Andorra (lease or property)
Health insurance valid in Andorra (until enrolling in CASS, the Andorran social security system)
Clean criminal record
Tax Benefits
Income Tax
Maximum 10%. First €24,000/year exempt. Compared to France (up to 45%), Spain (up to 47%), UK (up to 45%).
Capital Gains
No capital gains tax on investments held more than 12 months.
Program Authority: Servei d’Immigració del Govern d’Andorra; Autoritat Financera Andorrana (AFA) for the security deposit.
Legal Basis: Llei qualificada d’immigració (Qualified Immigration Law); Llei de l’impost sobre la renda de les persones físiques (IRPF) for income tax provisions.
Frequently Asked Questions
Do I get EU free movement with Andorra residency?
No. Andorra is not a member of the EU or EEA, so Andorran residency does not grant EU free movement rights. You can cross into Spain and France freely as an Andorran resident, but you do not have the right to live or work elsewhere in the EU on the basis of Andorran residency. If EU free movement is important to you, an EU member state (Portugal, Spain, Italy, France, Malta) is a better fit.
Is the €50,000 AFA deposit returned?
Yes. The €50,000 deposit with AFA is a security bond, not a permanent investment or fee. It earns no interest during its time on deposit (this is a cost of the program — the opportunity cost of tying up the capital). When you cancel your Andorran residency, the deposit is returned in full. The deposit functions as a guarantee of your financial means and commitment to the Andorran government.
Can I work remotely on Andorra’s Passive Residency?
The Passive Residency permit prohibits working for Andorran employers. Remote work for foreign companies occupies a grey area in Andorran law — the passive residency is designed for individuals who do not need to work at all (living off passive income, savings, or investments). Consult with our Andorran advisors about whether your specific remote work situation is compatible with this permit category. There is a separate Active Residency category for those who want to work in Andorra, with different requirements.
