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Andorra: visas, tax & cost of living

Moving to Andorra as a remote worker: honest costs, the real residency routes (no nomad visa), the 10% tax and 183-day rule, healthcare and banking.

Andorra: visas, tax & cost of living
Your passport

United KingdomAndorra

Your move to Andorra on a United Kingdom passport

  • VisitEasyVisa-free entry
  • NomadFairly easyNomad visa, stricter rules
  • RelocateMediumResidence with conditions

Visiting

Visa-free for up to 90 days. Travel on a passport valid for your whole stay, with a return or onward ticket and proof you can support yourself.

Passport validity:Valid passport (or EU national ID card for EU citizens); Andorra sets no separate visa requirement of its own.

Heads-up:Andorra is reachable only overland through Schengen France or Spain, so from late 2026 visa-exempt non-EU travellers will likely need ETIAS authorisation for that Schengen transit.

At the border:Passport or EU ID card; non-EU travellers needing a Schengen visa must hold a multiple-entry visa to re-enter Schengen after Andorra.

Working remotely

Residence permit for digital nomads (Law 42/2022).

Income needed:Estimated around 4,130 EUR per month (about 300% of the Andorran minimum wage)(estimate)

Duration:24months

Fee:Estimated around 2,500 EUR application fee plus about 500 EUR per residence card(estimate)

Who qualifies:For remote workers serving clients outside Andorra, committing to live in Andorra at least 90 days per year, with a yearly quota of about 50 permits.

Tax and residency

You generally become tax resident if you spend more than 183 days per year in Andorra or your main economic interests are there, and tax residents are taxed on worldwide income via the IRPF (estimated 0% up to about 24,000 EUR, then 5% to 10%).(estimate)

The UK decides residence with its Statutory Residence Test (days in the UK plus your ties). As a non-resident you are usually taxed only on UK income; where one exists, a double-tax treaty with the destination decides who taxes what.

Practical

Currency:EUR. Cost of living:mid.

Healthcare:Non-residents and newly arrived nomads have no access to the public CASS system and should hold private health insurance valid in Andorra (the EHIC/GHIC is not accepted).

Driving:EU and most national licenses are accepted, but non-EU visitors are advised to carry an International Driving Permit alongside their home license.

Sources: Andorra Ministry of Foreign Affairs (entry and travel) · Visit Andorra: passports, visas and customs · Andorra tax authority (Impostos) · US State Department: Andorra travel information · GOV.UK: tax on foreign income · HMRC: double-taxation treaties

Estimates, not advice. Confirm with the official sources before you act.

Should you move to Andorra?

Andorra is a tiny Pyrenean country wedged between France and Spain, and it attracts a very specific kind of remote worker: someone with real, stable income who wants low taxes, mountain air, and a quiet, safe base rather than a buzzy nomad scene. If that is you, it can be a genuinely good fit. If you are looking for a cheap, easy place to land for a few months on a laptop, look elsewhere. Andorra makes you commit.

Most newcomers settle in or around the capital, Andorra la Vella, and neighbouring Escaldes-Engordany, with La Massana and Encamp popular for a bit more space. The whole country has under 90,000 people (Wikipedia), so “hub” here means a handful of walkable towns, not a metropolis.

Budget honestly. A single person renting a one-bedroom flat should plan for roughly 2,000 to 2,600 euros a month all in, and a couple or small family closer to 3,500 to 4,500 euros, depending heavily on rent. The trade-offs are real: there is no airport (you drive around three hours to Barcelona or Toulouse), winters are long and snowy at altitude, Catalan is the official language, and residency demands serious money up front. What you get back is low crime, clean air, excellent skiing on your doorstep, and one of the lightest tax regimes in Europe.

Cost of living in Andorra

Andorra is not a budget destination. Rent is the big line item and supply is tight. According to Numbeo (mid 2026), a one-bedroom flat in the centre runs around 1,240 euros a month, and roughly 920 euros outside the centre. A three-bedroom in the centre is around 2,250 euros. Finding anything at all can be the harder problem, since long-term rentals turn over slowly and ski-season demand squeezes the market.

Day-to-day spending is closer to Spanish than Swiss prices. A meal at an inexpensive restaurant is around 15 euros, and dinner for two at a mid-range place about 45 euros. Basic utilities for an 85 square metre flat land near 126 euros a month. Numbeo estimates monthly costs excluding rent at roughly 780 euros for one person and around 2,840 euros for a family of four. Groceries benefit from Andorra’s low sales tax (IGI is just 4.5 percent), so a supermarket shop and, famously, alcohol, tobacco and electronics are noticeably cheaper than across the border. Treat all these as ballpark figures and price your own shortlist before you commit.

Andorra residency and entry (there is no digital nomad visa)

Let us be plain: Andorra has no dedicated digital nomad visa. It is not in the EU and not in the Schengen area, so you cannot simply show up and work long-term. There are two real routes, and both require money.

Passive residency (residència passiva, or residency without gainful activity) suits remote workers and retirees whose income comes from outside Andorra. The catch is a large qualifying investment in the country, commonly cited at around 600,000 euros in Andorran assets (property, a business stake, or government instruments), plus a refundable deposit lodged with the Andorran Financial Authority, roughly 47,500 euros for the main applicant and around 9,400 euros per dependent. You must also hold private health insurance and spend at least 90 days a year physically in Andorra.

Active residency (residència activa) is for people who run a registered Andorran company or work locally. The upfront investment is far lower, but you must actually live there 183 days or more a year and operate a real business.

These thresholds move and the numbers above are estimates, so confirm the current figures on the official Andorran government portal before you plan anything. To sanity-check which route fits your situation, run our digital nomad visa checker first.

Tax residency and the 183 day rule

Low tax is the whole draw, so understand how you get there. You generally become an Andorran tax resident if you spend more than 183 days in the country in a calendar year, or if your main centre of economic interest sits there. Passive residents with a 90-day minimum can still elect to be tax resident, which is usually the point of the exercise.

Personal income tax (IRPF) tops out at just 10 percent. Per Wikipedia’s summary of Andorran taxation, the first 24,000 euros of income is taxed at 0 percent, income from 24,000 to 40,000 euros at 5 percent, and anything above 40,000 euros at 10 percent. Corporate tax is also 10 percent, and there is no general wealth tax. Sales tax (IGI) is famously low at 4.5 percent.

The important honesty here: leaving your old country’s tax net is the hard part, not qualifying for Andorra’s. Many countries look at where you really live, and some have exit taxes or trailing rules. This is educational, not advice, and Andorra is a “your money, your life” decision, so get a cross-border accountant before you move. Our tax residency checker is a useful starting point for mapping the 183-day question across two countries.

Healthcare and insurance

Andorra runs a social security system called CASS (Caixa Andorrana de Seguretat Social). It reimburses most care rather than making it free at the point of use: roughly 75 percent of outpatient care and medicines, around 90 percent of hospitalisation, and 100 percent of work-related accidents, per Wikipedia’s health overview. The main hospital is Nostra Senyora de Meritxell in Escaldes-Engordany, backed by a network of primary care centres.

Here is the practical part for newcomers: passive residents are not covered by CASS and are required to hold full private health insurance. Only people paying into the system through work get CASS coverage, so budget for a private policy from a local or international insurer for your first years at least. Many residents keep private cover anyway to top up the reimbursement gap. Care quality is high, but the system is small, so complex or specialist treatment sometimes means a trip to Barcelona or Toulouse.

Money, banking and settling in

Opening an Andorran bank account is a real hurdle, not a formality. The country’s banks (names like Andbank, MoraBanc and Crèdit Andorrà) apply strict due diligence, and an account is often tied to your residency application, which creates a chicken-and-egg dance. Expect to provide source-of-funds documents, references, and patience, and expect the process to take weeks rather than days.

For your first weeks, keep a working account abroad and a multi-currency card (Wise or similar) so you are not stranded while paperwork clears. The euro is the currency even though Andorra is outside the EU, so card payments and ATMs behave normally. Learn a little Catalan or lean on your Spanish and French, since official business runs in Catalan and warmth goes a long way in a small country. Get a local gestor (an administrative agent) early: they smooth residency, banking and tax registration in a way that is genuinely worth the fee. Settle in slowly, and the mountains do the rest.

Figures are estimates. Always check the official source.

Frequently asked questions

Andorra: is there a digital nomad visa?
Residence permit for digital nomads (Law 42/2022). For remote workers serving clients outside Andorra, committing to live in Andorra at least 90 days per year, with a yearly quota of about 50 permits.
Andorra: when do you become a tax resident?
You generally become tax resident if you spend more than 183 days per year in Andorra or your main economic interests are there, and tax residents are taxed on worldwide income via the IRPF (estimated 0% up to about 24,000 EUR, then 5% to 10%).
Andorra: what is the cost of living?
The cost of living is moderate and the local currency is the EUR. Treat any figures as estimates.
Andorra: do you need health insurance?
Non-residents and newly arrived nomads have no access to the public CASS system and should hold private health insurance valid in Andorra (the EHIC/GHIC is not accepted).
Andorra: can you drive on a foreign licence?
EU and most national licenses are accepted, but non-EU visitors are advised to carry an International Driving Permit alongside their home license.

Terms worth knowing

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Last verified: 2026-07-26

Voymo gives general information to help you organise your move. It is not legal, tax, or immigration advice, always confirm with an official source or a qualified professional before you act.

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