Bitcoin cards for Andorra

The legal situation

Andorra wrote its digital-asset law early and has kept it current: the government's own tech portal (fetched for this page) states verbatim that "Andorra regulates crypto-assets through Llei 24/2022, on the digital representation of assets using cryptography and distributed ledger technology," published in the BOPA on 20 July 2022 and in force on 20 October 2022. Holding bitcoin personally is legal; what the law licenses is professional activity - issuing, custody and exchange require prior authorisation from the AFA, and the register "lists five authorised firms". Implementing decrees cover the digital overseer (Decret 478/2022) and mining facilities (Decret 335/2022).

No operator in the register documents an Andorra-specific card program, so the realistic documented set is the GLOBAL one: Freedomia (top score, no KYC, on-chain funding), KAST, Revolut and the Bybit Card with full KYC, plus the no-KYC Goblin Card and 2Fiat. Whether an EU-licensed operator onboards an Andorran address is a per-operator question - the country checker reflects what each operator documents.

Taxes: IRPF, savings base, 10 percent cap

Andorra's headline rate is the reason people move there: personal income tax (IRPF) tops out at 10 percent, and crypto gains follow the general rule. The gov portal's own short answer (fetched) states verbatim: "If you're tax resident, you declare the gain when you sell on your income tax (IRPF) return, in the savings base." The savings base is taxed at the reduced rate, so a card disposal that realises a gain lands in the IRPF return at that capped rate, not at a punitive crypto-specific levy. For a card customer that means every card payment that sells BTC is a small reportable disposal - frequent small spending may not move the needle, but the records decide: the tax-records guide and the tax estimator cover the mechanics, and the sale-timing guide explains what "at spend" cards mean for disposal frequency.

The fee calculator prices the other half of the decision: EUR-settled cards avoid FX inside the eurozone, and Andorra's euro-by-agreement economy makes EUR funding the natural rail.

Funding and local reality

• SEPA in euros works normally; Andorra participates in the European payments space without being an EU member.
• Full KYC on the exchange lanes: KAST, Revolut and Bybit document-verify an Andorran address like any other; the no-KYC lanes skip verification - read the custody and frozen accounts guide before parking a balance there.
• Local licences are narrow: five authorised firms, mostly custody and order-transmission - none of them is a card issuer in the register, so the card still comes from a cross-border operator.

What an Andorran holder should watch

• Residency is the tax fact: the 10 percent savings-base treatment attaches to tax residency - if you hold residency elsewhere too, the other country's claim comes first; get that position documented before the first top-up.
• Five firms, five stories: the AFA register tells you exactly who is authorised for what in Andorra - useful background when a local intermediary offers to help.
• Cross-border funding checks: Andorran banks are strict on source-of-funds for crypto-linked transfers - the first-deposit checklist covers the paperwork before the first top-up.

What users in Andorra report

Individual public reports, paraphrased and linked - anecdotes, not statistics. A working delivery for one person is not operator confirmation for your address.

• r/Bitcoin 2022-07: the thread reports "Andorra gives the green light to Bitcoin" - the July 2022 legislative moment when the Principality put digital assets on a statutory footing (the body was removed, so the title is the claim) source
• r/Bitcoin 2022-07: the thread reports "Andorra Adopted Legislative Framework Dubbed 'Digital Assets Act'" - the same Llei 24/2022 this page cites, arriving as news to the bitcoin community (the body was removed, so the title is the claim) source

Sources for this country

1. fetched 2026-11-08tec.ad (Govern d'Andorra tech portal) - Andorra crypto: law, tax and licensed firms (fetched; verbatim: \"Andorra regulates crypto-assets through Llei 24/2022, on the digital representation of assets using cryptography and distributed ledger technology. It was published in the BOPA... on 20 July 2022 and came into force three months later, on 20 October 2022\"; gains declared in the IRPF savings base; \"The AFA register lists five authorised firms\")
2. fetched 2026-11-08Impostos, taxes i duana - Govern d'Andorra (fetched)

Further reading for Andorra

• AFA (Andorra Financial Authority) via the gov tech portal - the register of the five authorised digital-asset firms, with register numbers and dates
• Tax estimator - a first pass at savings-base math for card disposals

Country section researched and dated 2026-11-08 - rules change; the linked regulators and tax offices are the binding sources.