Your Complete Guide to Living and Working in Andorra
Discover everything you need to know about the Principality of Andorra: from creating your company to establishing your residence. A practical guide with updated information for 2025.
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What is Gesta?
Gesta is your comprehensive solution in Andorra. We are specialists in helping entrepreneurs, professionals and families establish themselves successfully in the Principality.
15+ Professionals
Multidisciplinary team specialised in all aspects of life in Andorra
70+ Expert Collaborators
Extensive network of specialists in different sectors and areas of knowledge
Personalised Attention
A single specialised contact person for each particular case
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Specialised Sectors
We work with the best professionals in each sector, offering specific solutions for different types of economic activities.
Cryptocurrencies
Blockchain projects, Bitcoin, Trading, Mining, ICOs, DeFi and digital asset management
Poker & Tipsters
Professional players, affiliations, online rooms, academies and specialised services
E-Commerce
Shopify, affiliations, Braintree, PayPal and all e-commerce platforms
YouTube & Twitch
Gamers, vloggers, streamers, online courses and digital content creators
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Main Services
We offer a complete range of services to cover all your needs when establishing yourself in Andorra.
01
Company Formation
Complete procedure for forming companies in the Principality, with viability analysis and contingency management
02
Residence in Andorra
Personalised advice on the most favourable type of residence according to your priorities and needs
03
Property Advisory
Collaboration with leading property managers to buy, sell, rent or manage real estate
04
Accounting and Tax Services
Daily accounting, tax filing, payroll and Social Security (CASS) contributions
05
Wealth Management
Comprehensive personalised advisory from cryptocurrencies to ETFs, stocks, real estate and startups
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Creating a Company in Andorra: Types of Companies
Andorra offers different corporate options to adapt to the needs of each business project.
Limited Company
More than one partner, minimum share capital of €3,000
Single-Member Limited Company
A single partner, minimum share capital of €3,000
Public Limited Company
Several partners, minimum share capital of €60,000
Single-Member Public Limited Company
A single partner, minimum share capital of €60,000
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Formation Process: 6 Key Steps
The process of creating a company in Andorra follows a specific sequence that takes approximately 3 months.
Company Name and NIA
Designation of the company name and corporate purpose. Duration: 13 days
Foreign Investment
Necessary for partners with more than 10% of share capital. Duration: 1 month
Bank Opening
Pre-opening of bank account and deposit of share capital. Duration: 1 week
Formation and Registration
Formation before notary and registration in the Companies Register. Duration: 2 weeks
Residence Permit
Obtaining the permit to enjoy tax benefits. Duration: 1 week
Commercial Register
Authorisation to start invoicing and become operational. Duration: 20 days
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Why Create a Company in Andorra?
Andorra offers unique advantages that make it an attractive destination for entrepreneurs and professionals.
Low Taxation
Maximum tax of 10%, much lower than other European countries
Quality of Life
Safe environment, high quality of life and excellent location in Europe
Market Access
Ideal for businesses with global and international projection
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Formation Costs
The cost to establish a business in Andorra varies between €5,000 and €7,000, including professional services and government fees.
3K-4K€
Professional Fees
Depending on business type and complexity
2.5K€
Public Costs
Based on share capital and company type
3
Total Time (Months)
Approximate duration of complete process
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Required Documentation
To create a company in Andorra, you must present specific apostilled or legalised documentation, valid for three months.
Personal Identification
Notarised photocopy of apostilled ID card or passport
Criminal Record
Certificate from country of nationality and residence, apostilled
Professional Experience
Detailed CV and justification of professional activity
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Economic Substance: Key Requirement
To comply with international regulations, your company must have real substance in Andorra.
1
Physical Presence
The company must have a real address in Andorra
2
Real Activity
Person in Andorra who makes executive decisions and manages the company
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Accounting in Andorra: Obligations
All companies and self-employed individuals in Andorra must keep accounts according to current regulations.
Daily Accounting Entries
Daily recording of all company operations
Invoice Management
Control and filing of invoices and receipts
Accounting Books
Preparation of General Ledger and Balance Sheets
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Accounting Services: Prices
Our accounting services adapt to the size and needs of each company.
€120-300
Monthly Accounting
According to company activity
€100
Non-Commercial Companies
Holdings and participations
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Taxes to File
Companies in Andorra must comply with several tax obligations during the year.
01
Corporate Tax
Annual tax return filing
02
IGI (Andorran VAT)
Quarterly, half-yearly or monthly according to turnover
03
Annual Accounts
Filing once a year
04
IRPF
Annual declaration each September
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Property Services
We help you find the perfect property solution for your company and residence in Andorra.
1
First Time in Andorra
Advice on areas, neighbourhoods and parishes
2
Registered Office
Finding location to form your company
3
Personalised Advice
Advantages and disadvantages of each area
4
Property Investment
Processing of foreign investment files
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Comprehensive Wealth Management
We offer personalised solutions for managing your wealth with the best international professionals.
Cryptocurrencies
Digital asset management
ETFs and Stocks
Investments in financial markets
Real Estate
Property investments
Startups
Investment in emerging companies
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Types of Residence in Andorra
Andorra offers different types of residence to adapt to each person's needs.
1
Active Self-Employed Residence
For entrepreneurs: 21% share capital, 183 days/year, €50,000 deposit
2
Active Employee Residence
For workers: employment contract in Andorran company
3
Passive Residence
Without lucrative activity: €600,000 investment, 90 days/year
4
International Projection
85% foreign turnover, business plan, 90 days/year
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Self-Employed Residence: Requirements
The most popular option for entrepreneurs who want to optimise their taxation in Andorra.
Company Participation
Own more than 21% of share capital of an Andorran company
Administration
Be part of the company's management body
Effective Residence
Reside more than 183 days per year in Andorra
AFA Bond
Deposit €50,000 with the Andorran Financial Authority
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Working in Andorra: Minimum Wage 2025
Andorra offers excellent working conditions with one of the highest minimum wages in Europe.
€1,121
Monthly Minimum Wage
For over 15 years old (gross)
€6.47
Minimum Hourly Wage
When agreed by hours
€51.76
Minimum Daily Wage
When set by day
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Labour Immigration Policy
Andorra protects its citizens and residents with a conservative but fair immigration policy.
National Priority
Andorrans and residents are considered first
Experience Required
Foreigners must bring specific value
Low Unemployment
Fewer than 200 unemployed people
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Social Security (CASS): Co-Payment System
Andorran social security operates with a co-payment system considered one of the best in Europe.
25%
Medical Consultations
Patient pays 25%, CASS pays 75%
10%
Hospitalisation
Patient pays 10%, CASS pays 90%
22%
Total Contribution
6.5% employee + 15.5% employer
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Healthcare System of Excellence
The Andorran healthcare system is considered amongst the best in Europe for its efficiency and quality.
Hospital Nostra Senyora de Meritxell
Main hospital centre with complete medical and surgical services
Health Centres
Distributed throughout all parishes for primary care
Referring Doctor
Personalised family doctor system
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Taxes in Andorra: Tax Advantages
Andorra offers one of the most attractive tax systems in Europe, without being a tax haven.
10%
Maximum IRPF
Income tax
10%
Corporate Tax
On business profits
4.5%
General IGI
Equivalent to VAT
0%
Dividends
Exempt for residents
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IRPF in Andorra: Tax Brackets
Income tax in Andorra has a very favourable progressive system.
Up to €24,000
Completely exempt from taxation
€24,000 to €40,000
Taxation at 5%
Over €40,000
Maximum taxation at 10%
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Tax Comparison: Spain vs Andorra
The tax differences between Spain and Andorra are significant, especially for high incomes.
Spain
IRPF: Up to 47% in some regions
VAT: 21% general rate
Corporate Tax: 25%
Andorra
IRPF: Maximum 10%
IGI: 4.5% general rate
Corporate Tax: 10%
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Cryptocurrencies in Andorra: Taxation
Andorra has developed a clear and favourable regulatory framework for cryptocurrencies.
10% Taxation
Gains from cryptocurrency sales taxed at 10% in IRPF
Crypto Mining
Taxed at 10% in CT if company, or IRPF if personal
Regulatory Framework
Clear and transparent digital assets law
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Poker in Andorra: Professional Community
Andorra has become the preferred destination for professional poker players.
No IP Limitations
Free access to international online poker rooms
Favourable Taxation
Poker winnings taxed at 10% in IRPF
Excellent Fibre Optic
High-speed connection without failures
4 Physical Casinos
Options for in-person gaming
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Banks in Andorra: Available Institutions
Andorra has three national banks offering complete commercial and private banking services.
Creand
Formerly Crèdit Andorrà, changed name in 2023
Morabanc
One of the best banks, business and private banking
Andbank
Most international bank, with offices in several countries
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Opening a Bank Account: Requirements
To open a bank account in Andorra, banks require exhaustive documentation to justify the origin of funds.
1
Choose the Bank
Select the most suitable institution
2
Present Documentation
Justify origin of funds and activity
3
Initial Deposit
Make the required minimum deposit
4
Sign Contract
Formalise the account opening
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Finding an Apartment in Andorra
The choice of housing in Andorra depends on your needs, budget and lifestyle.
1
Sant Julià de Lòria
More economical prices, first parish from Spain
2
Andorra la Vella
Capital of the country, nerve centre, older flats
3
Escaldes Engordany
Most sought-after area, higher prices, modern centre
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Coworking in Andorra
Coworking spaces are ideal whilst you find your permanent office or to domicile your company.
Monday
In new tower with incredible views, one of the best options
Ingeni Coworking
Centre of Andorra la Vella, beautiful and spacious offices
Smart Executive Center
Away from centre, no nearby parking
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Driving in Andorra: Licence Validation
Residents in Andorra must validate their driving licence during the first year of residence.
Automatic Validation
EU countries, Switzerland, Monaco, Japan, South Korea
Exam Required
Countries without agreement, possible in English the first year
Important: The Andorran licence does not operate on a points system
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Buying vs Importing a Car
You can buy a vehicle directly in Andorra or import it from another country, both options are viable.
Buy in Andorra
IGI of 4.5%
Newer vehicles
Fewer procedures
Import Vehicle
COC certificate
MOT, registration
More economical
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Education in Andorra: 3 Public Systems
Andorra offers three different public education systems to adapt to the needs of each family.
Andorran System
In Catalan, free until 16 years old
Spanish System
María Moliner School, Spanish curriculum
French System
Lycée français, French curriculum
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Advantages of the Education System
Education in Andorra stands out for its quality and personalised attention.
Low Ratio
Few students per teacher, almost personalised attention
Free Education
Nursery and primary free in all three systems
International Quality
Competes with the best European systems
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Is Andorra a Tax Haven?
Andorra is NOT a tax haven since 2018. It left the OECD blacklist and has an approved tax framework.
Approved Tax Framework
Recognised by the OECD and European Union
Information Exchange
Tax cooperation with other countries
Total Transparency
No banking secrecy, complies with international regulations
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Characteristics of a Tax Haven
Andorra does not meet any of the characteristics that define a tax haven.
❌ Zero Taxation
Andorra has 10% taxes
❌ No Information Exchange
Andorra cooperates fiscally
❌ Differentiated Regimes
Same regime for everyone
❌ Banking Secrecy
Total banking transparency
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Andorra: Country for All Budgets
Contrary to popular belief, Andorra is not only for the wealthy. It offers opportunities for all professional profiles.
<200
Unemployed People
One of the lowest rates in Europe
€1,121
Minimum Wage
Higher than many European countries
€0
Unemployment Benefit
Does not exist due to low unemployment rate
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New Data Protection Law
Law 29/2021 on data protection in Andorra is approved with EU directives.
01
DPO Designation
Mandatory for certain types of processing
02
Breach Notification
48 hours to communicate security violations
03
New Rights
Right to be forgotten, limitation of processing
04
Impact Assessment
Recommended for proactive compliance
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Penalties for Non-Compliance
Penalties for breaching the data protection law can be significant.
€150
Minimum Penalties
Minor infringements
€60,000
Maximum Penalties
Serious infringements
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Passive Residence: €600,000 Investment
Ideal for retirees or people with income who do not want economic activity in Andorra.
Minimum Investment
€600,000 in Andorran instrument (property, financial, etc.)
AFA Bond
Additional €50,000 as guarantee
Minimum Residence
Only 90 days per year in Andorra
Minimum Income
300% of current annual minimum wage
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International Projection Residence
For entrepreneurs who invoice mainly abroad but want to reside in Andorra.
1
85% Foreign Turnover
Minimum required outside Andorra
2
Business Plan
Detailed and economically viable
3
Employee on Staff
At least one person hired
4
90 Minimum Days
Annual effective residence
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Scientific, Cultural and Sports Residence
For people with international recognition in science, culture or sport.
Scientists
International recognition in research
Artists
Recognised talent in the cultural world
Athletes
International elite athletes
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Family Reunification
Residents in Andorra can reunite their direct family members by meeting certain requirements.
Spouse
Legally married partner
Children
Minors or dependants
Parents
In specific cases and with sufficient income
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Advantages of Living in Andorra
Beyond tax benefits, Andorra offers an exceptional quality of life.
Security
One of the safest countries in the world, virtually no crime
Natural Environment
Spectacular landscapes, pure air, outdoor activities all year round
Quality Healthcare
Healthcare system amongst the best in Europe, personalised care
Strategic Location
Between Spain and France, easy access to all of Europe
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Moving Process: Key Steps
Moving to Andorra requires planning and following a specific process to avoid problems.
1
Viability Analysis
Assess whether your activity is compatible with Andorra
2
Prepare Documentation
Apostille certificates and prepare files
3
Create Company
Form company if self-employed residence
4
Apply for Residence
Process the corresponding residence permit
5
Settle In
Find housing, validate licence, open bank account
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Common Mistakes When Moving
Avoid these frequent errors that can complicate your establishment process in Andorra.
Not Meeting Residence Days
It is essential to spend the minimum required days
Expired Documentation
Documents have a validity of 3 months
No Economic Substance
The company must actually operate from Andorra
Choosing Agency Instead of Lawyer
Complex processes require legal advice
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Cost of Living in Andorra
Although some aspects are more expensive, the quality of life and tax benefits compensate for the investment.
80%
Rent
More expensive than Spain, but superior quality
60%
Food
Prices similar to large European cities
40%
Transport
Excellent free public transport
90%
Services
Telecommunications and high-quality services
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Activities and Leisure in Andorra
Andorra offers a wide range of activities throughout the year for all tastes.
Winter Sports
Skiing, snowboarding, snowshoeing in Grandvalira and Soldeu
Hiking
Spectacular routes through the Pyrenees, virgin nature
Shopping
Duty-free shopping, international brands, competitive prices
Wellness
Thermal spas, wellness centres, total relaxation
Culture
Cultural events, festivals, museums and local traditions
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Connectivity and Technology
Andorra has a first-class technological infrastructure.
Fibre Optic
100% of territory covered with high-speed fibre
5G Network
Complete coverage of latest generation mobile network
Digital Services
Electronic administration, online procedures
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Languages in Andorra
Catalan is the official language, but multiple languages are spoken due to the diversity of residents.
100%
Catalan
Official language, necessary for procedures
95%
Spanish
Widely spoken by the community
80%
French
Common due to proximity to France
60%
English
Growing use in international business
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Transport in Andorra
The transport system in Andorra is efficient and well connected, both internally and with neighbouring countries.
01
Public Transport
Free buses connecting all parishes
02
Spain Connection
Multiple daily lines to Barcelona, Madrid and other cities
03
France Connection
Regular links with Toulouse and other French cities
04
Nearby Airports
Barcelona (2h), Toulouse (2h), easy access to international flights
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Climate and Seasons
Andorra enjoys a mountain climate with four well-differentiated seasons.
Spring
Mild temperatures, flowering, ideal for hiking
Summer
Warm but cool, perfect for outdoor activities
Autumn
Spectacular colours, pleasant temperatures
Winter
Abundant snow, ski season from December to April
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International Community
Andorra welcomes a diverse and prosperous international community.
30.74%
Spanish
Largest foreign community
15%
French
Second most numerous community
80,544
Total Population
Inhabitants in 2022
50+
Nationalities
International diversity
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Events and Festivals
Andorra celebrates numerous cultural and sporting events throughout the year.
Carnival
February - Traditional celebration in all parishes
Jazz Festival
July - Escaldes-Engordany, international artists
Meritxell Festivities
September - National holiday, patron saint of Andorra
Andorra Ultra Trail
July - International trail running competition
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Andorran Gastronomy
Andorran cuisine combines Catalan, French and Spanish influences with mountain products.
Escudella
Traditional winter stew with vegetables and meat
Trinxat
Potato and cabbage dish, typical of mountain cuisine
Artisan Cheeses
Local production of high-quality cheeses
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Sustainability and Environment
Andorra is committed to sustainability and environmental protection.
Renewable Energy
90% renewable electricity
Recycling
Advanced waste management system
Protected Spaces
30% of territory under environmental protection
Sustainable Transport
Promotion of public transport and electric vehicles
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Future of Andorra
Andorra is positioning itself as a technological and financial hub in Europe, maintaining its quality of life.
Digital Transformation
Digitalisation of public and private services
Fintech Hub
Attraction of financial technology companies
Sustainable Development
Balanced growth respecting the environment
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Success Stories
Thousands of professionals have found in Andorra the ideal place to develop their projects.
Digital Entrepreneur
"In Andorra I have found the perfect combination between quality of life and tax optimisation"
Spanish Family
"Our children receive an excellent education and we live in a safe and natural environment"
International Investor
"The political and economic stability of Andorra gives me confidence for my investments"
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Why Choose Gesta?
We are your comprehensive partner to establish yourself successfully in Andorra with over 15 years of experience.
Proven Experience
More than 1,000 success cases, deep knowledge of all processes
Personalised Service
A single contact person specialised in your specific case
Comprehensive Solution
From company formation to complete establishment
Continuous Support
Accompaniment throughout the process and after establishment
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Begin Your New Life in Andorra
Take the first step towards your new life in Andorra. Contact us for a free consultation and discover how we can help you.
📞 +376 821 273
Main telephone for enquiries
🤖 +376 679 677
Gesta AI 24/7 for quick enquiries
📧 andorra@gesta.ad
Email for detailed enquiries
📍 Av. del Fener, 7
AD700 Escaldes-Engordany
Your new life in Andorra is waiting for you!
Contact us today and begin your journey towards tax freedom and an exceptional quality of life.
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