Residency & Golden Visas / Monaco / Route
Monaco · Investment route
Secure Monaco residency by maintaining a bank deposit while enjoying tax-free living
Last updated: 08-10-25
Programme overviewنظرة عامة
Monaco Residency by Bank Deposit allows individuals to secure residency without purchasing property. Applicants maintain a minimum bank deposit in Monaco and benefit from tax-free living, healthcare, education, and visa-free travel. This option suits those preferring liquidity and financial flexibility while gaining family inclusion.
What you getالمزايا
Obtain full Monaco residency, including family members.
Residents pay no personal income tax.
Access to healthcare, education, and social services.
Visa-free travel across the Schengen Area.
Keep funds liquid without the need to purchase property.
Investment & costsالتكاليف
Qualifying investment
Bank Deposit
Before application submission · Funds held in a Monaco bank account for residency purposes
Government & due-diligence fees
Figures are indicative and exclusive of professional fees. Your advisor confirms an exact, written cost breakdown for your family size.
Eligibilityالأهلية
Requirements
Applicants must be 18+.
Clean criminal record.
Proof of financial capacity (€500,000+).
Valid health insurance.
Commitment to reside in Monaco.
Proof of funds
Who cannot apply
Criminal convictions.
Insufficient bank deposit.
False or misleading documentation.
Failure to maintain required residency.
Serious health issues that could impose on the state.
The processكيف نعمل
Open Monaco Bank Account
Open an account and deposit €500,000+.
File Residency Application
Submit forms and supporting documents to authorities.
Interview (if requested)
Attend an interview with officials and present proof of means and accommodation.
Receive Initial Permit
Obtain a 1–3 year residency card and register locally.
Maintain Compliance
Renew while keeping the bank deposit and other requirements.
Document checklistالوثائق
Identity
Must be certified and translated if needed.
- ✦Passport
- ✦Birth Certificate
Financial
Amounts must be traceable and comply with AML rules.
- ✦Bank statements showing deposit
- ✦Proof of other assets if required
Compliance
Additional documents may be requested by authorities during review.
- ✦Criminal record certificate
- ✦Health insurance
- ✦Residency declaration
Your XIPHIAS advisor prepares a personalised document list at onboarding. The checklist above is indicative and may vary by family size.
Family scopeالأسرة
All eligible dependants can be included in one application or added after approval.
Age limits, dependency definitions, and addition fees vary by jurisdiction. Your advisor confirms exact rules at onboarding.
Approved projectsالمشاريع
Fixed Deposit Accounts
Minimum 1-year holding period
Savings / Investment Accounts
Flexible deposit options, subject to bank rules
Project availability and inventory change. Your advisor confirms current options and any exclusive allocations at onboarding.
Risk notes
Deposited funds must remain in a Monaco bank. Compliance with local banking regulations is mandatory. Returns may vary.
Questionsأسئلة شائعة
This route, answered.
Yes, family members can be included under the same application.
Start the Monaco route.
A senior advisor will confirm the exact costs, timeline and documents for your case — privately, and entirely off the record.