Residency & Golden Visas / Monaco / Route
Monaco · Investment route
Obtain Monaco residency through real estate investment and enjoy tax-free living
Last updated: 2026-10-01
Programme overviewنظرة عامة
Advising UAE residents on residency abroad from our Dubai office.
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
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
Aged 16 or over — every resident aged 16+ staying more than three months a year needs a residence card.
Criminal record extract, less than three months old, from every country of residence in the past five years.
Attestation from a Monaco bank, less than one month old, confirming sufficient means to reside in Monaco — the bank sets the amount.
Accommodation in Monaco large enough for those living in it (owned, through a company, rented, or with a relative, spouse or partner).
Intention to reside in Monaco for more than three months a year.
Who cannot apply
Criminal convictions.
No attestation of sufficient means from a Monaco bank.
No suitable accommodation in Monaco.
False or misleading documentation.
Failure to maintain residence in Monaco.
The processكيف نعمل
Open Account & Obtain Attestation
Open an account with a Monaco bank and meet that bank's requirements for issuing the attestation of sufficient means.
Secure Accommodation
Purchase or rent property in Monaco large enough for your household.
File Application
Submit the residency application with personal and financial documents to the Section des Résidents.
Interview (if requested)
Attend an interview with authorities and show proof of means and accommodation.
Receive Permit & Register
Receive the carte de séjour temporaire, valid one year, and complete local registration.
Maintain Compliance
Renew annually while maintaining the property or lease; after three years' residence you may apply for the three-year carte ordinaire.
Document checklistالوثائق
Identity
Must be certified and translated if needed.
- ✦Passport
- ✦Birth Certificate
Financial
Amounts must be traceable and comply with AML rules.
- ✦Attestation from a Monaco bank, less than one month old
- ✦Any other evidence of sufficient resources relied on
Accommodation
The accommodation must be large enough for those living in it.
- ✦Proof of accommodation in Monaco — title, company ownership, lease, or residence with a relative, spouse or partner
Compliance
Additional documents may be requested by the Section des Résidents.
- ✦Criminal record extract, less than three months old, from each country of residence in the past five years
Your XIPHIAS advisor prepares a personalised document list at onboarding. The checklist above is indicative and may vary by family size.
Risk notes
Monaco law prescribes no minimum deposit or investment for residence. The sum regarded as sufficient is set by the Monaco bank that issues the attestation; figures around €500,000 reflect typical private-banking practice and vary between banks.
Applicants may also submit any other evidence of sufficient resources, subject to approval by the Section des Résidents.
Naturalisation takes ten years, is entirely at the discretion of the Sovereign Prince, and requires renunciation of your existing nationality. Treat Monaco as a residency, not a route to a passport.
Compliance
The stated financial condition is simply sufficient financial resources. The required document is a compliant bank attestation from a Monaco establishment, less than one month old, confirming you have the means to reside in Monaco.
Other requirements: accommodation in Monaco large enough for its occupants, and a criminal record extract less than three months old from every country of residence in the past five years.
Applies to everyone aged 16 and over residing in Monaco for more than three months a year. Authority: Police Department, Section des Résidents.
Cards: carte de séjour temporaire, one year, for a first application; ordinaire, three years, after three years’ residence; privilégiée, ten years, after ten years.
Naturalisation under Loi n° 1.155 of 18 December 1992: ten years of ordinary residence after the age of 18, granted by individual Sovereign Ordinance at the Prince’s discretion, with renunciation of the previous nationality required.
Questionsأسئلة شائعة
This route, answered.
Yes. Family members can live with you in Monaco; each family member aged 16 or over applies for their own residence card, and the accommodation must be large enough for everyone living in it.
Start the Monaco route.
A senior advisor will confirm the exact costs, timeline and documents for your case — privately, and entirely off the record.