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

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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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