The file and the bank
Most delays are not legal theory. They are a missing apostille, a bank that will not take the money, or a medical certificate from the wrong clinic.
Not legal, tax or immigration advice. Confirm every figure on Govern.ad and the BOPA before you transfer money or file.
Build the file as a single pack. Do not send Immigration one paper and the bank another story. The same names, dates and source-of-wealth have to survive both.
Papers
| Item | What usually fails |
|---|---|
| Passport | Expired, or a scan that is not the full booklet they ask for. |
| Police certificates | Missing apostille or legalisation; wrong country; older than the window Immigration will accept. |
| Housing | A reservation that is not a lease, a title, or another accepted certificate. |
| Means / investment | Numbers that do not match the bank file, or an asset that is not yet in a qualifying Andorran form. |
| Health cover | A tourist policy, or a policy that does not say what Immigration is asking for that year. |
| Medical exam | The wrong clinic, or a certificate in the wrong form. |
| Marriage / birth | Unapostilled, untranslated, or not the current civil status. |
| Active extras | Company papers, stake, management, CASS, foreign-investment authorisation. See Company and active residency. |
| Passive extras | The million, the unit floor if you use property, the AFA payment. See Passive residency in 2026. |
The bank
To open a bank account in Andorra you go through Creand, MoraBanc or Andbank — and there is a Sabadell presence among them. Mention only. We are not adding a new directory listing here. Accounts are opened in person. Source-of-wealth is the real interview. The account is often a precondition for moving the AFA sum. Resident and non-resident products are not the same thing. Do not shop four banks with the same thin pack.
Andorran Banking’s FAQ says accounts cannot be opened directly on the internet, and that banks may refuse a customer. Supervision is the AFA. Official sites we have already sourced are in the directory.
CASS
Active files generally join CASS. Employer/employee rates are commonly cited about 15.5% and 6.5%; self-employed around 22% of the chosen base. Use current CASS tables, not this sentence, for the payment. Passive files do not get CASS by working here; they need the private cover Immigration asks for.
Working order
| # | Step |
|---|---|
| 1 | Decide the route. Read Three things people confuse first. |
| 2 | Instruct one gestoria. The shortlist is not filled yet. Official sites are in the directory. |
| 3 | Collect papers and apostilles. Do this before you book a flight to sign. |
| 4 | Housing that Immigration will accept, not a screenshot of a listing. |
| 5 | Bank meeting. Source of wealth. Account in constitution or in your name, as the file needs. |
| 6 | Medical exam and the cover the permit actually asks for. |
| 7 | AFA payment, when counsel says the file is ready to take it. |
| 8 | File at Immigration. Do not invent a date for the card. |
| 9 | Comú registration, CASS if the route requires it, tax residence as a separate question. |
Related: Passive residency in 2026, Company and active residency. The private shortlist is empty on purpose until a name has been used, checked, or explicitly approved. For official websites we have already sourced, use the directory.
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Leave an email if you want an introduction once a file is actually being prepared. We’ll write back.