Residency & Golden Visas / Monaco / Route
Monaco · Investment route
Obtain Monaco residency through real estate investment and enjoy tax-free living
Last updated: VERIFY_LastUpdated
Programme overviewنظرة عامة
Monaco Residency by Property Investment allows wealthy individuals to secure full residency by purchasing or renting real estate while maintaining a bank deposit. Applicants benefit from a tax-free environment, access to healthcare and education, and visa-free travel across the Schengen Area. The program is suitable for entrepreneurs, retirees, and families seeking a secure European lifestyle.
What you getالمزايا
Obtain full Monaco residency, including family members.
Residents pay no personal income tax.
Full access to healthcare, education, and social services.
Visa-free travel across the Schengen Area.
Opportunity to invest in high-value real estate within Monaco.
Investment & costsالتكاليف
Qualifying investment
Property Investment
Before application submission · Minimum bank deposit plus property purchase or long-term rental
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.
Secured accommodation in Monaco (purchase or long-term lease).
Proof of funds
Who cannot apply
Criminal convictions.
Insufficient funds or inability to maintain the property.
Providing false or misleading documents.
Failure to meet minimum residency obligations.
Serious health conditions that could create a burden on the state.
The processكيف نعمل
Fund & Open Account
Open a Monaco bank account and deposit €500,000+.
Secure Accommodation
Purchase or rent qualifying property in Monaco.
File Application
Submit residency application with personal and financial documents.
Interview (if requested)
Attend an interview with authorities and show proof of means and accommodation.
Receive Permit & Register
Obtain 1–3 year residency card and complete local registration.
Maintain Compliance
Renew while maintaining the property/lease and financial 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 property purchase or long-term rental
Compliance
Authorities may request additional documents for verification.
- ✦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
Luxury Apartments
Minimum 1-year holding period
High-End Villas
Ideal for families; minimum 1-year holding
Commercial Real Estate
Available for business investors; local advice recommended
Project availability and inventory change. Your advisor confirms current options and any exclusive allocations at onboarding.
Risk notes
Investors must comply with Monaco's banking and residency regulations. Monaco real estate is high-value and may be illiquid.
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.