Identity verification in Andorra
Executive summary. Andorra is a European micro-state of roughly 80,000 inhabitants whose financial sector punches well above its population weight. The Llei 14/2017 de prevenció i lluita contra el blanqueig de diners o valors i el finançament del terrorisme is the primary AML/CFT statute, supervised by the Unitat d'Intel·ligència Financera d'Andorra (UIFAND) as the national FIU and the Autoritat F
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Andorra has a population of approximately 80,000 and a GDP of roughly USD 3.4 billion, driven by tourism, retail (tax-free shopping), and financial services. The banking sector is the dominant driver of KYC demand, with five licensed banks — Andbank, MoraBanc, Creand (formerly Crèdit Andorrà), Vall Banc, and Banca Privada d'Andorra (BPA, now in resolution) — managing assets under management significantly larger than GDP. Three verticals drive KYC demand:
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
the national FIU, receiving and analysing STRs, issuing AML guidance, and coordinating with law enforcement
prudential and conduct supervisor for banks, investment firms, insurance companies, and VASPs
data protection authority
Government of Andorra — Civil Registry Office
restricted
Civil Registry manages birth, marriage, and death records. National ID cards (Passaport andorrà) issued by Police Department. Small population enables comprehensive coverage. No public API for verific
Government & regulated databases
Compliance framework
AML framework
Supervised by UIFAND
- Llei 14/2017 — Law on the Prevention and Fight against Money Laundering or Securities Laundering and Terrorism Financing. Defines obliged entities, CDD/EDD, beneficial ownership, PEP screening, and STR filing. - Llei 35/2018 — On the Regulation of Digital Assets, providing the legal basis for VASP licensing. - Llei qualificada de protecció de dades personals — Qualified Law on Personal Data Protection, enforced by the Andorran Data Protection Agency (APDA). - Monetary Agreement with the EU (20
Data protection
Supervised by APDA
Andorra's data protection law restricts cross-border personal-data transfers to countries with adequate protection levels or subject to appropriate safeguards. Andorra is not an EU/EEA member, but the Monetary Agreement requires progressive alignment with EU data-protection standards. The APDA must
Penalties for non-compliance
- Administrative fines up to EUR 1 million and criminal prosecution
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
1. Document capture. Scan or photograph of the document d'identitat or Andorran passport (front and back). 2. Liveness and biometric match. Selfie with passive or active liveness detection, matched against the document portrait. 3. Data extraction. Full name, document number, date of birth, national
Exchanges, custodians, wallets, on/off-ramps.
VASPs licensed by AFA must:
Sports betting, online casinos, age-gated platforms.
Andorra does not have a domestic iGaming licensing framework. Online gambling is not regulated locally, meaning there is no domestic licensed operator market. Residents accessing offshore platforms may trigger CDD obligations at the payment-service level.
Gig platforms, delivery, creator economy, e-commerce.
Marketplace operators serving Andorran users face CDD obligations primarily when integrated payment services cross AML thresholds. The small population limits marketplace-specific demand, but cross-border e-commerce platforms with Andorran sellers must comply with EU-aligned tax reporting and identi
Biometric liveness
Andorran passports contain biometric chips with facial images and fingerprints, making NFC-based chip reading technically possible. However, PKI infrastructure for third-party commercial chip reading is not deployed. Liveness detection (ISO 30107-3 compliant) paired with document-portrait matching is the standard for remote onboarding. ---
CERTIFICATIONS
Our platform meets the highest international standards for information security, data privacy, and biometric accuracy.
Full EU data protection compliance
Information security management
PAD (liveness + face match)
TRUSTED WORLDWIDE
Join thousands of companies that trust Didit for their verification needs
Didit’s NFC + active biometrics technology blocks the most advanced fraud scenarios, offering a level of security equivalent to or superior to in-person verification.
Spanish Financial Sandbox
CNMV, SEPBLAC & Spanish Treasury — Conclusions Report
Didit is an exceptionally valuable partner, delivering a stable and highly adaptable solution”.
Vuk Adžić
Head of the E-Business Department at Crnogorski Telekom
Didit offered us a robust technology with a simple implementation and adaptability to different markets”.
Fernando Pinto
CEO & CoFounder at TucanPay
Thanks to Didit we have been able to reduce manual processes and improve data extraction accuracy”.
Diana Garcia
Trust & Safety Executive at Shiply
Didit’s integration slashed verification times and costs, freeing resources for other projects”.
Guillem Medina
COO at GBTC Finance
Didit removed KYC costs, enabling faster scaling with high verification standards and less fraud.”
Paul Martin
VP Marketing & Growth at Bondex
Didit’s secure, user-friendly verification boosts customer trust and optimizes our process.”
Cristofer Montenegro
Executive assistant to the CEO at Adelantos
Didit ensures a precise, secure digital onboarding without slowing negotiations or client time.”
Ernesto Betancourth
Gerente de riesgos at CrediDemo
FAQ
Yes. Andorra permits remote KYC onboarding under its national AML framework, including document verification, biometric liveness and video identification where required by regulation.
Didit verifies all major national IDs, passports and residence permits issued in Andorra, plus 14,000+ document types globally for cross-border flows.
Didit charges $0.30 per verification with 500 free checks per month. No contracts, no minimums. Competitors typically charge $1.00–$2.50+ per verification.
Yes. Didit screens against 1,000+ global watchlists including PEP databases, sanctions lists (EU, UN, OFAC, OFSI), and adverse media — covering all AML obligations in Andorra.
Most regulated sectors in Andorra require or strongly recommend biometric liveness detection for remote onboarding. Didit provides ISO 30107-3 PAD Level 2 certified liveness.
Yes. Didit supports document verification, liveness, AML screening and ongoing monitoring aligned with Andorra’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Andorra’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
