Comparing Andorran banks: factual criteria for choosing
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The short answer
There is no universally best bank in Andorra: the choice depends on your status, your needs (international, property, business), the language of service and the fees. Here is the grid of criteria to use for comparing.
Comparison grid
| Criterion | Why it matters | Where to check |
|---|---|---|
| Welcome for non-residents | Opening conditions vary widely | Direct contact |
| Deposit or relationship conditions | Some banks set a minimum, which varies by institution | Direct contact |
| Language of service | French, Spanish, English, Catalan | Direct contact |
| Account and card fees | Can vary greatly | Fee schedule |
| International transfers | Fees and timescales | Fee schedule |
| Online banking | Day-to-day usefulness | App, website |
| Property financing | Conditions for residents / non-residents | Bank |
| Business services | Business account, international trade | Bank |
How to choose
- List your uses: salary, property, company, savings.
- Contact at least two banks.
- Compare the written fee schedule, not verbal promises.
See personal account and business account.
How to compare without a ranking
We do not rank banks: conditions change and depend on your profile. Here is how to compare for yourself, by asking each institution in writing:
| Question | Why |
|---|---|
| Does it accept non-residents or recent residents? | Entry condition |
| What minimum deposit or relationship is required? | Varies by institution |
| What fee schedule (account, card, transfers)? | Banking services bear IGI at 9.5 %verified on 09/10/2026 |
| How long does opening take once the file is complete? | Varies by bank |
| In which language is the service provided? | French, Spanish, English, Catalan |
| What remote tools are available? | Online banking, SEPA transfers |
| What support for companies? | Business account, compliance |
The points that really decide
- The consistency of the file: income, source of funds, link with Andorra.
- Residency status: an application under way or obtained.
- Complexity: a company, a holding company or foreign partners slow down the opening.
See also
Personal account, business account and account for a non-resident.
Work out your own case
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Frequently asked questions
What are the main Andorran banks?
The sector has several institutions, including Andbank, Crèdit Andorrà and MoraBanc. Check the banking association's website for the up-to-date list.
Are there banks that speak French?
Most have French-speaking advisers. Check this point before booking an appointment.
Does this page rank the banks?
No. We do not rank any bank. We offer a grid of criteria, because a general ranking would be misleading.
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.