Monaco Residency by Investment - Property Investment Route

Q: Can I include my spouse and children?

Yes, family members can be included under the same application.

Q: Do I need to reside full-time in Monaco?

No, full-time residence is not required, but proof of periodic presence is necessary.

Q: Is rental property sufficient for residency?

Yes, long-term rental agreements are accepted.

Q: Are there tax benefits for residents?

Residents do not pay personal income tax.

Q: Can I work in Monaco while holding a residency permit?

Yes, employment or self-employment is allowed with proper documentation.

Obtain Monaco residency through real estate investment and enjoy tax-free living

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At a glance

Quick facts

Minimum investment: €500,000; Currency: EUR

Typical timeline: 6 months; From application start

Highlights

Monaco
property investment
real estate

Program

Program specifics

Route type: Real Estate; Eligible residency pathway

Holding period: 12 months(~1 yr); Minimum investment retention

Last updated: VERIFY_LastUpdated; Subject to regulatory change

Information is indicative and may change; confirm current terms with an advisor.

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Quick eligibility check

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1Are you over 18 years old?

Yes

2Do you have a clean criminal record?

Yes

3Can you demonstrate financial capacity of €500,000+?

Yes

Select answers above to get an instant indication and tailored next steps.

Program overview

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.

Investment overview

This route requires a minimum €500,000 investment combining property purchase or long-term rental and a bank deposit. Investment types include luxury apartments, high-end villas, and commercial real estate. Holding periods typically start at 1 year. Compliance with local banking rules applies.

Costs & proof of funds

Costs & funds

Program fees & proof of funds

Estimated program totals

EUR: €500,000

Required proof of funds

EUR: €500,000

Detailed fee table

Program fee breakdown with price, timing and notes.
Item	Price	When	Notes
Property Investment	€500,000	Before application submission	Minimum bank deposit plus property purchase or long-term rental

Swipe horizontally to see all columns.

We’ll share a personalized cost sheet after your pre-screen.

Estimates only — final costs may vary by case & government updates.

Proof of funds

Bank Statements€500,000
Proof of funds for property purchase/long-term rental and residency compliance

Required (EUR): €500,000

Figures are indicative and may change with family size, project selection and program updates.

Official

Government fees

Total (EUR): €3,000

Application Fees
Government application fee
€1,000
Government Processing
Residency card processing charge
€2,000

Official fees (payable to the government)

Item	Amount	Notes
Application Fees	€1,000	Government application fee
Government Processing	€2,000	Residency card processing charge

Government fees are set by the issuing authority and may change without notice. We’ll confirm current rates during onboarding.

Eligibility

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).

Key benefits

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.

Checklist

Document checklist

7 total items

Documents vary by profile and family composition; we'll tailor your final list.

Identity

2 items

Passport
Birth Certificate

Must be certified and translated if needed.

Financial

2 items

Bank statements showing deposit
Proof of property purchase or long-term rental

Amounts must be traceable and comply with AML rules.

Compliance

3 items

Criminal record certificate
Health insurance
Residency declaration

Authorities may request additional documents for verification.

Snapshot

Eligible dependents

4 of 4 categories included

IncludedNot included

Spouse: Included
Yes
Children: Up to 25 years25
Yes
Parents: From 0+ years0+
Yes
Siblings: Included
Yes

Application process

Process

How it works

6 steps

Step 1: Fund & Open Account
Open a Monaco bank account and deposit €500,000+.
GuidedAvg. 2–4 weeks
Step 2: Secure Accommodation
Purchase or rent qualifying property in Monaco.
GuidedAvg. 2–4 weeks
Step 3: File Application
Submit residency application with personal and financial documents.
GuidedAvg. 2–4 weeks
Step 4: Interview (if requested)
Attend an interview with authorities and show proof of means and accommodation.
GuidedAvg. 2–4 weeks
Step 5: Receive Permit & Register
Obtain 1–3 year residency card and complete local registration.
GuidedAvg. 2–4 weeks
Step 6: Maintain Compliance
Renew while maintaining the property/lease and financial requirements.
GuidedAvg. 2–4 weeks

Comparison

Feature	Property Investment	Bank Deposit Route
Minimum Investment	€500,000 + property	€500,000
Liquidity	Low, tied to real estate	High, funds remain in bank
Family Inclusion	Children up to 25, spouse, parents case-by-case	Children up to 25, spouse, parents case-by-case
Tax Benefits	Full exemption	Full exemption
Complexity	Requires property purchase/rental	Simpler banking arrangement

Disclosure

Risk & compliance

Please read carefully. These notes are informational and do not constitute legal or financial advice.

Risk notes

1 item

Investors must comply with Monaco's banking and residency regulations. Monaco real estate is high-value and may be illiquid.

Approved projects

Government-approved developments or investment options vetted for eligibility and exit horizons.

Luxury Apartments
Min buy-in
500,000 EUR
Hold period
12 mo
Minimum 1-year holding period
High-End Villas
Min buy-in
1,000,000 EUR
Hold period
12 mo
Ideal for families; minimum 1-year holding
Commercial Real Estate
Min buy-in
0 EUR
Hold period
0 mo
Available for business investors; local advice recommended