Banks in Andorra - Clear steps to open an account

Andorra has three retail banks: Andbank, Creand (formerly Crèdit Andorrà) and Morabanc. All follow strict identity and source-of-funds checks. Expect to provide passport or national ID, proof of address, a tax residency self-certification with your tax identification number for international tax reporting, and evidence of where your money comes from. Non-residents can open accounts case by case, and timelines vary by profile. Banks publicly list fees and conditions so costs can be verified before you choose.

Documents

• Valid passport or national ID, plus recent proof of address.
• Tax residency self-certification with your tax identification number for international reporting.
• Evidence of income and source of funds, for example salary slips, bank statements or sale contracts.
• A brief in-branch or secure video identification step may be requested.
• Company accounts: corporate registry documents and beneficial owner details.

Account types

• Current and salary accounts for day-to-day payments, with online and mobile banking.
• Multi-currency options are widely available.
• Specialist options exist for youth, students or temporary workers.

Timelines

There is no fixed public timeframe. Accounts are opened after compliance checks are completed; non-resident or complex profiles can take longer.

Fees

Each bank provides an official tariff book or fees page you can review before choosing an account. Confirm the latest schedule directly with the bank you select.

How we help

• We map your profile to the right bank, prepare the document pack and book your meeting.
• We coordinate any translations, references and income or asset evidence the bank requests.
• We align account opening with your property or residency timeline so you can pay fees, taxes and utilities without delays.