Why Andorra?
Maximum 10% income tax: Andorra caps personal income tax at just 10%, one of the lowest rates in Europe. No wealth tax, no inheritance tax, and favorable treatment of capital gains.
No company formation required: As a freelancer or remote worker with a foreign company, you don't need to set up an Andorran business. Work for your existing clients or employer while enjoying Andorra's tax benefits.
Note for U.S. citizens: The U.S. taxes citizens on worldwide income regardless of residence. Andorra's low-tax regime benefits non-U.S. persons directly. Americans still get residency, banking access, and European lifestyle benefits.
Strategic European location: Nestled in the Pyrenees between France and Spain, with direct access to two major EU economies. Barcelona is 2.5 hours away.
High quality of life: One of Europe's safest countries with excellent healthcare, clean mountain air, and world-class skiing.
Perfect for remote workers: Excellent internet infrastructure, no requirement to form a local company, and freedom to serve clients worldwide from a low-tax European base.
Who This Is For
This residency pathway is designed for:
- Freelancers and consultants serving international clients
- Remote employees of foreign companies
- Digital entrepreneurs with existing businesses abroad
- Professionals who can perform their work from anywhere
You do NOT need to form an Andorran company. You register as self-employed ("compte propi") and continue working for your foreign clients or employer.
The Process
Step 1: Eligibility Assessment
We review your professional situation your income sources, client contracts, and work documentation. We determine the best residency category and prepare your case. Timeline: 1-2 weeks.
Step 2: Document Preparation
We prepare your complete application package: criminal background check (apostilled), proof of professional qualifications, client contracts or employment documentation, and health insurance. Timeline: 2-4 weeks.
Step 3: AFA Deposit
You pay the €50,000 refundable deposit to the Andorran Financial Authority (AFA), plus €10,000 per dependent. This deposit is returned when you permanently leave Andorra. Timeline: 1 week.
Step 4: Trip to Andorra (3-5 days)
You travel to Andorra for document submission, medical examination, and interview with immigration authorities. We coordinate all appointments and handle translations.
Step 5: Residency Card Issued
After processing, your residency card is issued. You're now an official Andorran resident with the right to live, work remotely, and bank in Andorra while continuing to serve your existing clients.
Requirements
Professional Activity: You must demonstrate ongoing professional activity freelance contracts, consulting agreements, or remote employment with a foreign company. You don't need to create an Andorran company.
AFA Deposit: €50,000 refundable deposit to the Andorran Financial Authority (plus €10,000 per dependent). Fully refunded when you permanently leave Andorra.
Accommodation: Property ownership or rental contract in Andorra.
Income Proof: Demonstrate sufficient income to support yourself in Andorra (~€3,000/month minimum).
Criminal Background Check: Clean record from your country of residence, apostilled.
Medical Insurance: Private health insurance valid in Andorra.
Physical Presence: You must spend a significant portion of time in Andorra (183+ days for full tax residency benefits).
What's Included
Full application management: We handle the entire process from eligibility assessment to residency card collection.
Document preparation: Review, translation, and organization of all required documents.
Appointment coordination: We schedule and coordinate all immigration and medical appointments.
Self-employment registration: Guidance on registering as "compte propi" (self-employed) in Andorra.
Ongoing compliance: Guidance on maintaining residency status, tax obligations, and renewal requirements.
Timeline
| Milestone | Timeframe |
|---|---|
| Eligibility assessment | 1-2 weeks |
| Document preparation | 2-4 weeks |
| AFA deposit | 1 week |
| Trip to Andorra | 3-5 days |
| Application processing | 4-8 weeks |
| Residency card issued | ~3-4 months total |
| First renewal | Year 1 |
| Subsequent renewals | Years 2, 5, 10 |
Important Notes
No Andorran company required: Unlike other pathways, you don't need to form an Andorran SL or SLU. You work as a registered freelancer serving foreign clients.
Physical presence: To maintain tax residency and its benefits, plan to spend 183+ days per year in Andorra.
Tax registration: You'll register for Andorran taxes and pay the flat 10% rate on income earned while resident. Foreign-source income from work performed in Andorra is taxable there.
Dependents: Spouse and children can be included. Each dependent requires an additional €10,000 AFA deposit.
Company formation available separately: If you later decide to form an Andorran company for additional tax planning or local business activity, we offer this as a separate service.
Path to citizenship: After 20 years of continuous residency, you may apply for Andorran citizenship (one of the longest requirements in Europe).