Rechtsgebied · Europa

MonacoBedrijfsoprichting, belasting en bankieren

Geen inkomstenbelasting voor inwoners, en eersteklas banken in de buurt.

Silhouet van Monaco
Overzicht

Monaco charges residents no income tax, no wealth tax and no capital gains tax. The exception is French citizens, who stay taxable in France under a 1963 agreement. For a family that genuinely moves there, it's still one of the cleanest personal tax results in Europe, with Schengen travel and top private banking close by.

It's a place to live, not a place for companies. Businesses there pay 25% if more than a quarter of their turnover comes from outside Monaco, so the value is in where the family lives, not where the company is.

Voordelen

Waarom mensen kiezen voor Monaco

  • No income, capital gains or wealth tax for residents, unless you're French
  • 0% inheritance tax between parents and children
  • Around thirty banks, including major private banks, on your doorstep
  • Schengen travel and Mediterranean life, a natural fit if you own a yacht
Waarvoor mensen het gebruiken

Waar Monaco past

  • Persoonlijke woonplaats
  • Family offices
  • Yacht ownership
In een structuur

Waar Monaco past in een structuur

Gebruikelijke rol · Where the family lives

Monaco in a structure · 2 routes
You, living in Monaco
with your family
deposit, usually EUR 500,000 or more
Monaco bank
around thirty to choose from
Companies and investments
wherever they are
income and gains
You, living in Monaco
no income tax unless you're French

Monaco is where you and your family live, not where your companies sit. Residents other than French citizens pay no income, capital gains or wealth tax there, so it's the family's residence that does the work. Companies based in Monaco pay 25% if more than 25% of their turnover comes from outside Monaco.

Waar het van afhangtYou must genuinely live there, with a Monaco home, a bank confirmation of your deposit and real time spent there, and French citizens stay taxable in France under the 1963 agreement.

Een vereenvoudigd beeld ter toelichting, geen aanbeveling. Algemene informatie, geen belasting- of juridisch advies.

Bankieren

Een bankrekening openen

Monaco has around thirty banks, including CFM Indosuez, Julius Baer, EFG, UBS and Barclays Monaco. To apply for residence you need a Monaco bank to confirm your deposit, usually EUR 500,000 or more. Banks there are conservative, personal and slow to take on new clients.

Belasting

Zo werkt de belasting hier

No income tax, no capital gains tax and no wealth tax for residents other than French citizens. Inheritance tax is 0% between parents and children, and up to 16% for unrelated heirs. Companies pay 25% on profits if more than 25% of turnover comes from outside Monaco. VAT is charged at French rates.

Substance (echte aanwezigheid)

Echte aanwezigheid, en wie de eigenaren kan inzien

You need to genuinely live there: a Monaco address you own or rent, proof you can support yourself, a clean criminal record and, in practice, real time spent there. The residence card is renewed every year for the first three years. The real owners of companies are registered privately with the authorities.

Keuze

Wanneer u hiervoor kiest

Choose Monaco when the goal is personal tax residence for a family with substantial cash and investments, when a yacht and Mediterranean life are part of the plan, and when the family can genuinely live there.

Zo adviseren wij

U krijgt een schriftelijke vergelijking, geen verkooppraatje.

Elke Monaco aanbeveling krijgt u als schriftelijke vergelijking met de alternatieven. Daarin leest u of de opzet een kritische toets kan doorstaan, hoe makkelijk bankieren zal zijn, welke belastingverdragen gelden, wie de eigenaren kan inzien, wat het per jaar kost om alles draaiende te houden en welk risico uw reputatie loopt. Zo ziet u de voor- en nadelen voordat u zich vastlegt.

Volgende stap

Overweegt u Monaco? Vraag eerst een schriftelijke vergelijking aan.

Beantwoord zes vragen en ons team komt bij u terug met een voorselectie, een grove kostenindicatie en de plekken waar u kunt bankieren.

Veelgestelde vragen

Vragen die we bij elke Monaco intake horen.

How much money do I need for Monaco residency?
There's no official minimum, but banks usually want a EUR 500,000 to EUR 1m deposit before they'll issue the confirmation you need, plus a rented or owned home in Monaco.
How long does Monaco residency take?
Two to four months from applying, once your home, the bank confirmation and police clearance are in place.
Does Monaco residency work for French citizens?
Not for tax. French citizens living in Monaco still pay French income tax under the 1963 agreement, unless they lived there before 1957.