Is the EUR 500,000 deposit lost?

No. The money remains in your account; it is only held to prove sufficient assets.

How long must I stay per year?

Generally at least 3 months per year in Monaco is required to maintain residence.

Is accommodation mandatory?

Yes. You must rent or purchase accommodation in Monaco.

Can I include my family?

Yes. Spouse and dependent children can be included in the residence.

2026 Program Guide

Monaco Golden Visa & Residence Permit

Monaco offers residence (carte de sejour) through a bank deposit of at least EUR 500,000 (which remains in your account) and renting or purchasing accommodation. There is no personal income tax; it is one of the world's most prestigious and secure living centers.

Last updated: 2026-07-07 · Reviewed by: Burak Ünal

At a glance

Program: Residence (carte de sejour)
Bank deposit: Min EUR 500,000 (remains in account)
Accommodation: Rent or purchase
Tax: No personal income tax
Residence: At least 3 months per year

Who is it for?

Wealthy individuals seeking a prestigious, secure lifestyle with no personal income tax.
Those wanting residence while keeping the EUR 500,000 deposit in their own account.
Those seeking a top-level base at the heart of Europe.
Those wanting to relocate with their families to an extremely secure environment.

The Deposit Remains Yours

Monaco residence (carte de sejour) requires holding at least EUR 500,000 in a Monaco bank; this money is not lost, remains in your own account, and is held only to prove sufficient financial means. You must also rent or purchase accommodation in Monaco; real estate costs are among the highest in the world.

Tax and Living

Monaco has no personal income tax (French citizens are an exception); this makes the country extremely attractive for wealthy individuals. It offers top-level security, prestige, and a location at the heart of Europe. To maintain residence, you must be present in Monaco for at least 3 months per year and periodically renew the permit.

Settling In and Staying Connected

Monaco appeals to established individuals and families who want a secure, prestigious base in the heart of Europe and can meet its financial conditions comfortably. The qualifying deposit of at least EUR 500,000 stays in your own account rather than being spent, which makes the route as much about demonstrating means as about outlay. Alongside the deposit, you secure accommodation by renting or buying and provide a clean criminal record and health insurance. Residence here carries an expectation of genuine presence, with a stay of at least three months per year, so it suits those ready to make Monaco a real part of their lives. Family members can be included, allowing a household to settle together. Because property is a firm requirement and the local market sits at the higher end, planning where you will live is an early and important step. Preparing banking evidence, housing arrangements, and personal documents in good order tends to make the application smoother. An adviser can help you sequence the deposit, the lease or purchase, and the paperwork sensibly.

Benefits

No personal income tax.
Top-level security and prestige.
Location at the heart of Europe.
Family members can be included.

Requirements

EUR 500,000 bank deposit (remains your own money).
Accommodation in Monaco (rent or purchase).
Clean criminal record and health insurance.

Costs

Bank deposit: EUR 500,000 (your own asset)
Accommodation: Market-based (high)

FAQ

Is the EUR 500,000 deposit lost?: No. The money remains in your account; it is only held to prove sufficient assets.
Is there income tax in Monaco?: No, Monaco has no personal income tax (French citizens are an exception).
How long must I stay per year?: Generally at least 3 months per year in Monaco is required to maintain residence.
Is accommodation mandatory?: Yes. You must rent or purchase accommodation in Monaco.
Can I include my family?: Yes. Spouse and dependent children can be included in the residence.

Sources

MonServicePublic (Government of Monaco) - The residence permit

Disclaimer: Golden Visa Partners is an investment and immigration advisory firm; it does not provide legal or attorney services. The investment amounts, timelines and program conditions on this page are for general guidance only and, because regulations change quickly, may be out of date. Before making any decision, we recommend consulting current official sources and obtaining independent legal and financial advice.

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