Andorra — Passive Residency (Residència passiva)

Key requirements

We model a high EUR-equivalent savings anchor because passive residence is capital-first; recurring income may help narrative but does not replace prescribed investments.

• Minimum income (model)Not set in data
• SavingsOften ~$400,000+
• Accepted income typesPassive income, Pension, Savings only
• Remote work allowedNo
• Local employment allowedNo
• Health insuranceUsually required
• Criminal record checkUsually required
• Accommodation proofUsually required
• Bank accountUsually required
• Processing (rough)Often several months (investment structuring + immigration file)

Bank AML reviews and notarial investment deeds often take longer than the immigration form packet—parallelise early.

1. 1

   Confirm category and investment menu

   Read the current passive checklist: bonds, approved funds, company capital, and deposit amounts in force for your filing year.

2. 2

   Open Andorran banking and AML onboarding

   Complete KYC with source-of-funds narratives before transferring subscription amounts.

3. 3

   Execute qualifying investments and blocked deposit

   Subscribe instruments and lodge the regulatory deposit with certificates usable in the immigration file.

4. 4

   Obtain compliant medical insurance

   Bind policies that immigration lists as acceptable for passive applicants and dependents.

5. 5

   Document Andorra address

   Lease or title bundle consistent with commune registration expectations for passive residents.

6. 6

   Police clearance and civil documents

   Legalise criminal records and civil-status proofs for principal and family members.

7. 7

   Submit passive residence application

   File with Immigration using investment certificates, bank attestations, insurance, and housing evidence.

8. 8

   Calendar minimum stay compliance

   Track days in Andorra across the year and keep passport stamps and municipal records coherent.

9. 9

   Maintain investments for renewal

   Refresh certificates showing instruments remain in force and deposits still meet rules before each renewal.

10. 10

    Evaluate long-term status or alternatives

    If goals shift toward active business, map category change rules early to avoid compliance gaps.

This pathway is informational and not legal or tax advice. Andorran passive residence decrees and bank practice evolve—verify with the Government of Andorra and your Andorran advisers before transferring funds.

Pathway last reviewed: 2026-04-15

Citizenship & nationality

Passive residence is nationality-neutral in law, but banks and notaries still apply AML/KYC depth that varies by client profile and source-of-funds history.

• •Investment menus and minimum ticket sizes have been revised multiple times—never rely on blog charts; read the current Govern decree / immigration circular for the live instrument list.
• •A medical policy meeting Andorran immigration rules is mandatory; travel-style policies with large exclusions are frequently rejected.
• •Minimum stay (commonly cited around three months per calendar year in passive categories) is a compliance point, not a suggestion—absences beyond permitted patterns can break renewals.
• •Active versus passive categories differ materially on work and corporate substance; do not “slide” passive files toward undeclared trading activity.

Confirm thresholds, deposit release rules, and renewal evidence with the Department of Immigration of the Government of Andorra and your Andorran banking partner before you move funds.

Best for

• •Passive or stable recurring income from pensions, rent, or dividends
• •People planning longer stays and clearer residency footprints
• •Anyone weighing tax context alongside lifestyle and logistics

Long-term path

• Permanent residence: Yes
• Citizenship: Limited / case-by-case

After long compliant residence, other statuses or naturalisation may be discussed under separate statutory tests—passive residence alone is not a fast-track passport.

Practical difficulty

hard

Indicative only — depends on documents, timing, and policy updates.

Hard reflects investment structuring, bilingual documentation flows, and strict renewal maintenance—not tourist-form simplicity.