An increasing number of people are considering taking up residence in Andorra without carrying out any professional activity in the country. This is known as passive residence, an option that is particularly attractive to investors, pensioners or professionals with international income.
With the new regulations coming into force in 2026, the conditions for obtaining passive residence have become stricter, particularly regarding the minimum investment required and the financial guarantees applicants must provide. It is therefore very important to have clear and up-to-date information before starting the process.
In this article, we explain the main requirements and key aspects you should bear in mind if you are considering establishing passive residence in Andorra.
1. Minimum investment in the country
Under the regulations coming into force in 2026, passive residency requires a principal investment that demonstrates a genuine link to the Andorran economy.
This investment can take various forms:
- €1,000,000 in Andorran assets, such as financial instruments, shares in companies or government debt
- €800,000 in real estate located in Andorra
- €400,000 contribution to the Housing Fund, a strategic investment linked to the country’s housing policy
This requirement aims to strengthen new residents’ economic ties with Andorra.
2. Deposit with the Andorran Financial Authority (AFA)
As an applicant, you must also make a deposit with the Government of Andorra, administered through the Andorran Financial Authority (AFA).
Under the 2026 regulations, this deposit is now:
- €50,000 for the residence permit holder
- an additional €12,000 for each dependent family member
Unlike the previous system, this amount is no longer refundable and is considered a non-refundable contribution.
3. Demonstrating sufficient income
To obtain passive residence, you must prove that you have sufficient financial resources to support yourself in the country without needing to work there.
Currently, the regulations require you to demonstrate an income equivalent to at least 300% of the annual Andorran minimum wage. Roughly speaking, this amounts to around €40,000 per year for a single person, although the figure may vary slightly depending on the annual update of the minimum wage.
If you have dependants, you must add an additional 100% of the annual minimum wage for each family member.
This financial solvency can be demonstrated through various sources of income, such as: pensions, investment income, business income, other recurring income
4. Having a place of residence in the Principality
If you wish to reside in Andorra, you must also prove that you have a genuine place of residence in the country.
This can be demonstrated by presenting: a tenancy agreement, or the title deed for a property in the Principality
This point is important because it confirms that your residence is not merely a formality, but that there is a genuine intention to settle in the country.
5. Medical insurance with cover in Andorra
Passive residents do not have access to the Andorran social security system (CASS), as they do not carry out any gainful employment in the country. For this reason, it is compulsory to have private medical insurance with valid cover in Andorra.
This policy must guarantee healthcare in the Principality and, in many cases, also include cover outside the country.
It is important to ensure that the policy meets the requirements for the residency process and offers coverage appropriate to the applicant’s profile and needs.
At ASSAP, we have been advising individuals and families wishing to settle in the Principality for over 40 years, helping them find health insurance that meets the conditions required for passive residency and allows them to begin this new chapter with peace of mind.
6. Certificate of good conduct
You must also submit a certificate of good conduct or a criminal record check from your country of origin or from any countries where you have previously resided.
This document forms part of the standard procedure with the Department of Immigration.
7. Minimum stay in the country
Once passive residence has been granted, you must reside in Andorra for at least 90 days per calendar year.
This requirement ensures that the person maintains a genuine connection with the country.
Regulations may change over time, so it is always advisable to check the current conditions before starting the process.
If you are considering establishing your passive residence in Andorra and have any queries regarding health insurance or the requirements of the process, ASSAP can advise you to ensure that everything is in order from the outset.