How to invest your money in Andorra? Accounts, funds, life insurance, property
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The short answer
You can invest money in Andorra through bank deposits, investment funds, life insurance contracts or property. These same assets count towards residency without gainful activity. A French tax resident must declare accounts opened abroad.
What investments exist?
| Investment | Particularities |
|---|---|
| Bank accounts and deposits | Opening is subject to thorough checks. See personal account |
| Investment funds | Andorran collective investment undertakings are taxed at 0 %verified on 09/10/2026 corporate income tax (excluding management companies) |
| Life insurance | Accepted among the assets for residency without gainful activity |
| Property | See investing and the rules for non-residents |
| Shareholdings in a company | Accepted; the company's substance is monitored |
Investing to obtain residency
For residency without gainful activity, an investment of at least 1,000,000 €verified on 09/10/2026 is required in Andorran assets (property, shareholdings, debt securities, funds, life insurance, non-interest-bearing deposits with the AFA). See passive residency.
Obligations for a French tax resident
- Accounts opened abroad must be declared to the French tax authorities (foreign account declaration form).
- Income from these accounts is taxable according to tax domicile.
- Andorra takes part in the automatic exchange of financial information: never count on secrecy.
Tax benchmarks for an investment
| Investment | Benchmark |
|---|---|
| Andorran collective investment undertakings | Corporate income tax at 0 %verified on 09/10/2026 |
| Savings of a resident | Exemption of 3,000 €verified on 09/10/2026; beyond that, separate taxation |
| Property | See investing |
| Residency investment | 1,000,000 €verified on 09/10/2026 in Andorran assets for passive residency |
What a residency investment can include
Andorran property, shareholdings in resident companies, Andorran debt securities or funds (for 36 monthsverified on 09/10/2026 at most, then reallocation), public debt, Andorran life insurance, non-interest-bearing deposits. See passive residency.
Precautions
Investments depend on your tax residence: a French tax resident remains taxed in France on their income. See leaving France. Seek independent advice: we do not give investment advice.
Frequently asked questions
Can you invest your money in Andorra?
Yes: bank deposits, funds, life insurance, property or shareholdings, with thorough checks on the source of funds.
Do you have to declare an Andorran account in France?
Yes, a French tax resident must declare accounts opened abroad.
Which investment entitles you to residency?
At least 1,000,000 € in accepted Andorran assets, for residency without gainful activity.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.