Andorra residence permit: passive residence (residència sense activitat lucrativa)

Law 2/2026 of 22 January 2026 amended Article 96 of the Immigration Law: the investment rose from EUR 600,000 to EUR 1,000,000, a EUR 400,000 threshold for the Housing Fund appeared, and the AFA deposit (previously EUR 47,500 + 9,500, refundable) was replaced by a non-refundable payment of EUR 50,000 + 12,000. Many websites, including some official procedure cards, still show the old figures; we rely on the text of the law on portaljuridicandorra.ad.

Property in Andorra (each unit above EUR 800,000), shares in Andorran companies, debt and financial instruments of Andorran issuers and funds under Andorran law (no longer than 36 months, then reinvested), government debt instruments, life insurance with Andorran companies and a non-interest deposit with the AFA. For the Housing Fund the threshold is EUR 400,000. The investment must be permanent and maintained at each renewal.

No. Since 2026 the EUR 50,000 per applicant and EUR 12,000 per dependant are a final payment retained by the State. The only exception is refusal of the initial permit. This is the main difference from the previous refundable deposit.

For the permit, at least 90 days per calendar year, with your principal and effective residence in the country. For tax residence, more than 183 days or the centre of your economic interests in Andorra. These are different tests: 90 days keep the card but do not make you a tax resident.

A tax resident pays IRPF at 10% (Art. 43 of Law 5/2014) with a EUR 24,000 exempt minimum, rising to EUR 40,000 if the spouse has no income; a 50% relief on the general base, capped at EUR 800, gives an effective 5% on income between EUR 24,000 and 40,000. The indirect tax IGI is 4.5% (Art. 57 of Law 11/2012). Income from other countries, including India and the UAE, is worked through under the treaties and the source country's rules.

You may not be employed or self-employed in Andorra. You may manage your own assets and hold an unpaid director role in a company where you own at least 50%. If you want to work in Andorra you need active residence through your own company, with different conditions and payments.

The maximum decision term under the regulation is 2 months from filing. Filing is in person by prior appointment. Then 6 months for the investment and 3 months for registration with the parish after the grant. With document preparation the realistic path from the first meeting to the card is several months, depending on appointments and the quota.

The government approves by decree the number of permits without the right to work that may be issued for a period (the latest is Decree 74/2026 of 11 March 2026). If the quota is exhausted, filing waits for a new decree. That is why we prepare the dossier in advance and file while the quota is open.

The first permit is for 2 years, the first renewal for 2 years, the second for 3, and subsequent ones for 10 years. Renewal is filed within the 6 months before expiry and before the expiry date: you prove presence, the investment, income, insurance and housing; the fee is EUR 56.15.

Andorra is in neither the EU nor the Schengen area, and its residence card gives no right to live and work in Schengen countries. Entry into Spain and France follows the rules for your nationality: Indian citizens need a Schengen visa, and it is also needed for the journey to Andorra, which has no airport.

The passport is untouched: it is residence, not citizenship. The money is the issue: EUR 1,000,000 (or EUR 400,000) plus EUR 50,000 and the dependants' payments far exceed one person's annual LRS limit of USD 250,000, so for India-resident applicants the remittance is structured across family members and financial years, or from funds already held abroad, with TCS factored in. We plan this before any asset is chosen.

Police certificates from the country of nationality and the countries of residence with a Hague apostille or legalisation (Indian documents apostilled by the Ministry of External Affairs; UAE documents legalised through the UAE Ministry of Foreign Affairs), proof of income (pension, bank statements, dividends), documents for housing in Andorra, insurance, and marriage and birth certificates with translations.

Yes. Article 91 of Law 9/2012 allows dependent parents of yours or your spouse (no minimum age), adult children with a disability, children under 25 in education, other dependent descendants and wards. For each: EUR 12,000 to the AFA, 100% of the minimum wage added to the income threshold and a EUR 500 fee. They can file with you or later through reunification.

The investment does not change: EUR 1,000,000 or EUR 400,000 in the Housing Fund for the whole family. What grows is the AFA payment (EUR 12,000 each), the income threshold (plus 100% of the annual minimum wage, about EUR 18,800 at the rate from 1 July 2026) and the fee (EUR 500 each). A couple with two children: EUR 86,000 to the AFA, income of about EUR 113,000 a year, fees of EUR 4,000. For India-resident families the remittance is structured within LRS.

Yes. If the application is refused through the fault of our team or an error in building the case, we refund the company's service fee less a minimal retention for costs actually incurred. Refund terms, the payment schedule and the rules on retaining service costs are fixed in the contract before work begins. Before we start, we check your documents and risk history free of charge and tell you about any risks in advance.