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Pathway

Andorra Residence for Self-Funded People

Andorra Residency
Pathway overview

At a glance

Andorra's residence without work is for financially self-supporting applicants who want to live in Andorra without local employment. It generally requires sufficient assets or income, a qualifying local commitment, health coverage, and standard background checks.

Type
Investment residence
Investment fit
Investors making a qualifying investment in Andorra
Core requirements
Investment amount, source of funds, and required approvals
What to know
Meeting the listed requirements does not guarantee approval; the authority retains discretion
Minimum investment
€600,000
Investment choices
Bonds or property, plus a €47,500 deposit

Summary

Andorra's residence without work, often called passive residence, is for people who want to live in Andorra without working or carrying out a professional activity there. It requires a real residence commitment, private coverage, sufficient income, housing, clean records, and a substantial investment in Andorran assets or another route allowed by current law.

As of the 2026 reforms, the general investment bar is very high. Treat this as an investment-led, policy-sensitive route, not a lightweight retirement visa.

Pathway fit check

Eligibility

You may be a fit if:

Current investment rules

Law 2/2026, in force since February 13, 2026, sets the general investment at at least €1,000,000, held permanently and effectively in one or more permitted Andorran assets. The listed assets include Andorran real estate, qualifying interests in Andorran companies, Andorran public debt, life-insurance products with resident entities, and non-interest-bearing deposits with the Andorran Financial Authority. Certain debt instruments, financial instruments and Andorran collective-investment funds may count for no more than 36 months before the investment is moved into another permitted asset.

There are important special rules:

These amounts are separate from property taxes, transaction costs, insurance, housing and living expenses.

What This Route Allows

This route can let a financially self-supporting person reside in Andorra without working there. It is mainly for people who can make and maintain the required investment, make the separate non-refundable payments, maintain private coverage, and spend at least 90 days per calendar year in Andorra.

What This Route Is Not

This is not a work, business, or digital nomad authorization. It also is not a lightweight retirement route. The €50,000 principal-applicant payment and €12,000 dependent payments are not refundable after approval, and most qualifying investments must be maintained rather than merely shown once. The Housing Fund alternative is a qualifying investment, not a simple fee or donation.

Next Steps

  1. Confirm that this no-work category fits your plans and check whether a residence quota is open before making financial commitments.
  2. Decide whether the investment will use the €1,000,000 general route or the €400,000 Housing Fund route. For the general route, confirm that every proposed asset qualifies and whether the 36-month limit applies.
  3. Prepare evidence of sufficient annual resources.
  4. Arrange housing and private coverage valid in Andorra.
  5. Collect criminal-record certificates, civil-status documents, and medical documentation.
  6. Budget separately for the non-refundable €50,000 principal-applicant payment and €12,000 per dependent, as well as taxes and transaction costs.
  7. Keep evidence that the investment was completed within the statutory period and continues to meet the rules.
Compare your options

Similar investment pathways in other destinations.

Sources