Published on and written by Cyril Jarnias
Pursuing higher education abroad in Monaco is more than just unpacking your bags in a Mediterranean postcard. It’s entering an ultra-safe micro-country, focused on business, luxury, finance, and sports, where the cost of living is high but the career and networking prospects are rarely matched. Between the International University of Monaco (IUM)—the country’s only university—a highly internationalized job market, and an extremely dynamic economic ecosystem, the principality is attracting more and more students who see their studies as a strategic investment.
This guide covers the essentials for studying in the Principality: the education system, admission and visa procedures, types of degrees, as well as practical aspects like housing, cost of living, internship and job opportunities, scholarships, and daily life on site.
Monaco, a tiny principality but economically oversized
Monaco is a unique case. The principality spans just over 2 km², squeezed between the Mediterranean and France, yet it is home to over 38,000 to 39,000 residents, and crucially, nearly 80,000 jobs, with a large majority held by French and Italian cross-border workers. It hosts about 4,500 to 5,000 companies active in finance, luxury, yachting, hospitality, high-end services, as well as scientific research and engineering.
Over 140 nationalities are represented in the country, reflecting its exceptional cultural diversity.
In this setting, studying is far from trivial: higher education is closely aligned with this specialized economic fabric.
A private, compact, and highly targeted higher education system
Monaco does not have large public universities like its neighbors. Higher education is entirely private and very concentrated. The heart of the system is the International University of Monaco (IUM), the country’s only officially recognized university, whose degrees have been certified by the Monegasque state since the 1980s.
For generalist higher education in management, finance, or marketing, IUM is the reference institution, while other local structures mainly offer specialized post-high school training such as Associate’s degrees (BTS), nursing, fine arts, languages, or hospitality.
IUM: a Monegasque business school with a global reach
The International University of Monaco is a private business school, accredited by AACSB and AMBA, and a member of the OMNES Education group. It offers programs 100% in English, clearly focused on the principality’s key sectors:
– luxury management (including a Yachting specialization),
– finance (with an MSc in Finance ranked 17th worldwide by the Financial Times),
– sport business,
– international management,
– sustainability and innovation.
The campus, located at 14 Rue Hubert Clerissi in the Condamine district, illustrates an international academic environment. It hosts over 1,100 students representing more than 70 nationalities. Its alumni network, with over 4,300 graduates spread across five continents, demonstrates its global impact. These graduates work for global groups like Accenture, Amazon, Google, Gucci, KPMG, Louis Vuitton, McKinsey, Microsoft, Morgan Stanley, Porsche, or TikTok, but also for local companies and entrepreneurial ventures.
The university operates according to international top business school standards: small class sizes, interactive pedagogy (case studies, consulting projects, simulations), teaching in English, close ties with companies.
Degree overview: from Bachelor to DBA
The training offering covers the entire Bachelor’s-Master’s-Doctorate cycle, with a strong business focus.
| Level | Program | Approximate Duration | Language of Instruction | Key Fields |
|---|---|---|---|---|
| Bachelor’s level (3 years post-high school) | Bachelor in Business Administration (BBA) | 3 years | English | Management, marketing, finance, luxury, sport business… |
| Master’s level (5 years post-high school) | MSc in Finance | approx. 16 months | English | Corporate finance, markets, asset management |
| Master’s level (5 years post-high school) | MSc in Luxury Management (incl. Yachting specialization) | approx. 16 months | English | Luxury, fashion, premium hospitality, yachting |
| Master’s level (5 years post-high school) | MSc in International Management | approx. 16 months | English | International management, strategy |
| Master’s level (5 years post-high school) | MSc in Sports Business Management | approx. 16 months | English | Sports management, sponsorship, events |
| Master’s level (5 years post-high school) | MSc in Sustainability & Innovation Management | approx. 16 months | English | Sustainable transition, innovation, CSR |
| Master’s level (5-6 years post-high school) | MBA (full‑time 10 months / part‑time 20 months) | 10 to 20 months | English | General management, leadership, strategy |
| Doctoral level (8+ years post-high school) | Doctor of Business Administration (DBA) | Multi-year | English | Applied research in management |
Some programs, like the BBA and several MSc degrees, offer a January intake, providing valuable flexibility for international students.
Admission requirements: reasonable selectivity, high English proficiency standards
Studying in Monaco does not require “outstanding” results like some elite grandes écoles, but selection is based on a solid academic foundation, good command of English, and a coherent career plan.
Expected academic level
For the Bachelor in Business Administration, a high school diploma (baccalauréat or equivalent) is required. IUM accepts profiles from the French system, the International Baccalaureate (IB), or other national systems, subject to equivalence.
For MSc programs, a Bachelor’s degree (at least 180 ECTS or 90 US credits) is required. Direct admission to the second semester is possible with a longer previous curriculum (240 ECTS).
To join the MBA, candidates must have at least a Bachelor’s degree and a minimum of three years of significant managerial experience. The dual DBA-MSc degree, organized in partnership with an Austrian school, targets very experienced profiles, requiring either a Master’s with five years of professional experience or a Bachelor’s with seven years of experience.
Language proficiency: English as the working language
All programs are taught in English. IUM therefore requires a minimum B2 level for the BBA and MSc programs, and C1 for the MBA and DBA.
The main announced thresholds are:
| Program | Required CEFR Level | Minimum TOEFL iBT | Minimum IELTS | Other Certifications |
|---|---|---|---|---|
| BBA / MSc | B2 | 79 | 6.0 | Cambridge FCE / CAE / CPE |
| MBA / DBA | C1 | 92 | 6.5 | Cambridge CAE / CPE |
Scores are valid for two years. Native English speakers, or those who have studied (and, for some programs, worked) for several years in an English-speaking environment may be eligible for an exemption. To help borderline profiles, IUM organizes intensive English and French courses.
Application and enrollment process
Applications are made online: application form, CV/resume, transcripts, diplomas, sometimes a motivation letter and recommendation(s), passport copy, language test scores. An interview, often remote, checks the consistency of the project and the ability to follow courses in English.
The mandatory steps to finalize your administrative enrollment once admitted to the institution.
Pay the tuition fees for the relevant academic year.
Provide all requested supporting documents (diplomas, ID photo, etc.).
Wait for the complete verification and validation of your file by the services.
– providing original documents upon arrival,
– signing the administrative registration form,
– paying a deposit on tuition fees.
Monegasque law provides for a 7-day right of withdrawal after signing, with full refund. Beyond that, specific rules govern deferrals, cancellations, and possible refunds (particularly in case of visa refusal or failure to obtain the required prior diploma).
Visa, residence, status: how to come study in Monaco as a foreigner
Since Monaco is neither a member of the European Union nor the Schengen Area, but has a very close agreement with France regarding borders, visa procedures are handled through French consulates.
Long-stay student visa (type D)
Non-European students generally must apply for a long-stay visa for studies at the French consulate in their home country via the France‑Visas platform and, often, a service provider like VFS Global. Europeans do not need a visa but must notify the Monegasque authorities.
The standard documents requested are: passports, ID cards, proof of address, bank statements, and pay stubs.
– letter of admission from a recognized institution (like IUM),
– valid passport,
– proof of sufficient financial resources (tuition fees and cost of living),
– proof of accommodation (lease, hosting certificate),
– health and assistance insurance covering at least €30,000,
– academic documents,
– clean criminal record from certain countries.
Processing times vary, but between scheduling an appointment, providing biometric data, and processing, it’s prudent to start 8 to 12 weeks before the start of the semester. The cost of a long-stay student visa is around €99, plus possible service fees.
Once arrived, a student residing in the principality must then apply for a Monegasque residence permit, which involves demonstrating financial capacity and, in practice, opening a local bank account. Many therefore choose to live in France (Beausoleil, Cap d’Ail, Menton, Nice…) while studying in Monaco: in this case, French law applies for the residence permit.
Right to work and internships
Work is highly regulated in the principality. For a regular job, a work permit is required, requested by the employer from the Employment Service, with priority given to nationals and residents with strong ties. Students cannot simply take on multiple undeclared odd jobs without risk.
On the other hand, internships are very structured through IUM:
– any university student can complete up to three internships during their program;
– for an internship in Monaco, IUM students under 27 years old can be hosted;
– non-EU students must have a valid visitor visa and an address in the region;
– IUM does not process visas directly but provides all necessary documents, organizes workshops on procedures (especially for the United Kingdom – Tier 5 visa – or the United States – J1 visa – via partners like BUNAC, MyInternshipAbroad, or Stage Globale).
This mechanism makes internships a real springboard: over half of IUM graduates have completed an internship in the principality, and a significant portion are offered employment afterwards.
Cost of studies: high tuition fees, but above all one of the most expensive daily lives in the world
Studying in Monaco means accepting a dual financial reality: tuition fees comparable to good international business schools, and a cost of living that tops all indices.
Tuition fees: how much does IUM cost?
Fees vary by program, but we can outline some general ranges.
| Program | Indicative Tuition Fee Range |
|---|---|
| BBA (per year) | approx. €13,500 to €15,000 depending on the year / track |
| MSc (finance, luxury, management…) | approx. €24,000 to €30,000 for the full program |
| MBA full‑time | approx. €39,500 to €41,900 |
| DBA | around €55,000 to €59,500 |
These amounts do not include housing, transport, possible academic trips, or educational materials. In addition, there are smaller mandatory fees (student association membership, alumni dues, application fee).
IUM offers discounts or partial scholarships, for example for Monegasque residents, siblings, alumni continuing on to an MSc, or merit-based scholarships. Most often, the aid covers between €1,000 and €5,000 and cannot be combined with other discounts. There is also a specific MBA scholarship program by continent (a partial scholarship of up to €8,000 per geographic zone).
Cost of living: Monaco, world champion of prices
Available figures show a clear reality: the principality is considered the most expensive city on the planet, with a cost of living 3.88 times higher than the global average and more than twice that of the United States, mainly due to rents.
For a student, several scenarios coexist.
1. Living directly in Monaco
This is the most comfortable… and the most expensive solution. Monthly rent estimates show:
– 1-bedroom apartment in the city center: often between €6,000 and €7,500 (or more depending on the source),
– 3-room apartment in the center: frequently above €10,000, with averages potentially rising towards €20,000, even €40,000 for very high-end properties.
To this, add approximately:
– €300 for utilities (electricity, water, heating, internet, mobile),
– €500 to €800 for food and daily expenses,
– €20 to €40 for local transport (bus passes, regional train passes),
– insurance, leisure, clothing, healthcare, etc.
In practice, a very modest lifestyle is difficult under €5,000 to €7,000 per month. Estimates for a single person are rather around €6,400 monthly all-inclusive.
2. Living in neighboring French towns
This is the strategy chosen by the majority of IUM students. Some general ranges for monthly rents for a studio or small apartment:
| Town (France) | Indicative Average Rent (after charges) | Typical Commute Time to Monaco |
|---|---|---|
| Menton | €600+ | 15 minutes by train |
| Roquebrune‑Cap‑Martin | €700+ | 4 minutes by train |
| Beausoleil | €900+ | walking access to Monaco |
| Cap d’Ail | €900+ | 3 minutes by train |
| Èze‑sur‑Mer | €900+ | 6 minutes by train |
| Beaulieu‑sur‑Mer | €800+ | 10 minutes by train |
| Villefranche‑sur‑Mer | €800+ | 13 minutes by train |
| Nice | €600+ | ~25 minutes by train |
For a student, rooms for €400 to €800 are possible in student residences in Nice or Beausoleil, through structures like Fac‑Habitat, Les Estudines, Studéa, Odalys, Student Factory, or private residences. Combined with a cost of living excluding rent estimated around €900 per month, this makes the overall budget much more manageable.
A student like Alexis pays €1,200 for an apartment in Beausoleil with a sea view, near a casino and a stadium. He estimates a similar property would cost at least €4,000 in Monaco. His monthly budget excluding rent, for food (delivered via a service like HelloFresh), transport, and leisure, amounts to about €500-€600.
Some benchmarks on common expenses
To measure the price level gap, just look at some typical expense items in Monaco:
| Item | Indicative Average Price |
|---|---|
| Inexpensive restaurant meal | €22 to €30 |
| Meal for two at a mid-range restaurant | €150 to €175 |
| Fast-food combo meal | €11 to €13 |
| Draught beer (bar) | €8 to €9 |
| Cappuccino | €4.5 to €5 |
| Single bus ticket | €1.7 to €2 |
| Monthly bus pass | ~€22 |
| Gasoline per liter | approx. €2 to €2.1 |
| Gym membership | varies widely, sometimes over €300 |
| Cinema ticket | approx. €12 to €14 |
Grocery prices at the supermarket are also significantly higher than in France, hence the trick used by many students: do some of their shopping in Nice or Menton, where the difference can be 10 to 30% on many products.
Housing: a puzzle to anticipate several months in advance
Due to land scarcity and real estate pressure, the search for student housing in the Monaco/Riviera area is anything but simple. Alexis explains, for example, that it took him three months to find his apartment in Beausoleil, with prices peaking in the summer.
Main options
Three main categories emerge.
First, classical renting (studio, shared apartment) through individuals or agencies. Tools include: school partner platforms (Studapart, Spotahome), French sites (SeLoger, Bien’ici, Leboncoin, Jinka), specialized agencies (Riviera Residential Realty, Spark & Partners, B&C Monaco Properties, Valeri Agency, Ageprim…), and many student Facebook/WhatsApp groups.
The minimum monthly rent for a furnished studio in a student residence in Nice and Beausoleil.
Finally, more original solutions like intergenerational co-living offered by French associations (Toit en Tandem, ensemble2générations, Afev…), where a significantly reduced rent is exchanged for a few hours of help or presence per week.
Points to watch: guarantees, insurance, scams
In France, a guarantor is almost systematically required to sign a lease. Foreign students without family locally can use guarantee companies like Garantme (a paid service). A security deposit (one to two months’ rent depending on furnished/unfurnished) is paid to the landlord.
Home insurance, which includes civil liability, is mandatory. For students, IUM recommends and often requires comprehensive health coverage as well as civil liability insurance. It is possible to subscribe to these insurances online via comparison sites like LesFurets or LeLynx, or sometimes directly on rental platforms.
Rental scams exist. Classic warning signs: abnormally low rents, impossible to meet the landlord, requests for bank transfer before viewing, desire to be paid via untraceable means. The university encourages students to report any suspicious ads and to favor secure channels.
Daily life: transport, safety, health, culture
Monaco may be tiny, but daily logistics deserve close study, especially if you live in neighboring France.
Transport: a perfectly connected micro-country
The good news is that the International University of Monaco is a two-minute walk from the Monaco‑Monte‑Carlo train station. In practice, this allows easy access by train from almost all neighboring towns.
On average, expect:
– 3 to 6 minutes by regional train (TER) from Cap d’Ail or Èze‑sur‑Mer,
– 10 to 15 minutes from Beaulieu‑sur‑Mer or Menton,
– about twenty minutes from Nice‑Ville,
– a bit more from Ventimiglia on the Italian side.
Within the principality, urban buses serve the different districts (Monte‑Carlo, La Condamine, Fontvieille, Larvotto, etc.), and you can literally cross the country east to west on foot in three‑quarters of an hour. Taxis exist but cannot be hailed on the street; they are taken at stands or by reservation, with high fares. There is no Uber.
For those under 26, the ZOU pass at €90 per year significantly reduces the cost of frequent train travel. For purchasing tickets and checking train schedules, use the SNCF Connect app. To centralize bus tickets, parking, and sometimes discounts, the Monapass app is recommended.
From Nice Airport, located about twenty kilometers away, several options: direct bus (around €22), taxi (approximately €90), or even helicopter (journey of about 7 minutes, around €130).
Safety and quality of life
Safety is one of Monaco’s great assets. Extremely low crime rate, dense video surveillance, omnipresent police: going out late, walking around, or carrying expensive equipment remains relatively safe, which weighs in the balance for many families.
The climate, Mediterranean, alternates very mild winters and warm but breezy summers. Climate data shows felt temperatures rarely below 7‑8 °C in winter, and around 22‑24 °C in summer, with generally very good air quality.
Discover the wealth of leisure, cultural, and sports activities the Principality of Monaco offers to visitors and its residents.
Enjoy the famous Larvotto beach, the magnificent Japanese Gardens, and the Exotic Garden to relax right in the heart of the Principality.
Explore the Prince’s Palace, the Oceanographic Museum, and the Prince’s Car Collection to immerse yourself in Monegasque history and culture.
Attend major exhibitions at the Grimaldi Forum, international tennis tournaments, and AS Monaco matches in an exceptional setting.
Discover the famous casinos of Monaco, iconic spots for entertainment and Monegasque elegance.
Participate in major international events like Luxe Pack, Sportel, or the Monaco Ocean Protection Challenge, sometimes accessible to students.
Cards like Monapass offer discounts for those under 26 on certain museums, the cinema, sports events (notably AS Monaco matches).
Health: a high-performing system, to plan for insurance-wise
The principality has a very high-level healthcare system, mixing public and private institutions: Princess Grace Hospital Center, Cardio‑Thoracic Center, specialized institutes… The local social security (Caisses Sociales de Monaco) covers employees and their families, but foreign students generally must rely on private insurance.
Some private check‑up packages are billed at over €2,000 for an adult. Hence the importance of taking out appropriate international health insurance or French insurance (if residing in France), sometimes via IUM’s recommended partners (insurers like Globe Partner or Ascoma, for example).
IUM from the inside: career, internships, clubs, network
If Monaco attracts, it’s also because the International University of Monaco has positioned itself as an extremely effective career lever.
Highly structured career support
IUM has a Career Center that provides personalized follow-up: help with CV/resume and cover letter writing, LinkedIn profile optimization, career coaching, and workshops run with headhunters. The university organizes an annual ” Career Week” where students meet recruiters from international groups and Monegasque companies.
Percentage of graduates who find employment within six months of leaving the school.
Clubs and student life
On a campus of just over 1,100 students, student association life is surprisingly dense: Luxury Club (about 200 members), Finance Club (about 150 members), Entrepreneurship Club (about fifty), Charity Club, sports teams (10 teams). Events like the Welcome Party, networking cocktails, sports tournaments, debates, and charity actions punctuate the year.
The testimony of Alexis also illustrates a less academic facet: he started a small concierge service for students, offering ski trips to Isola 2000, yacht trips around Monaco (Roquebrune, Èze, Cap d’Ail), introductory flights, track driving experiences, lunches at starred restaurants… Proof that there is room for initiative and student entrepreneurship.
Job market orientation: target sectors and salaries
The Monegasque economy offers a range of sectors particularly aligned with IUM’s programs: private banking, wealth management, family offices, consulting firms, luxury houses, premium hospitality, sport business, yachting, new financial technologies, business services.
Only about 2% of jobs in the Monegasque labor market are held by nationals.
Personal taxation is furthermore virtually non-existent on income from Monegasque sources (excluding specific cases, like French nationals), which enhances the attractiveness of the principality for young graduates.
Scholarships and financial aid: a generous environment… mainly for nationals, but not exclusively
Monaco, despite its reputation as a billionaires’ playground, has implemented a range of public and private scholarships, mainly aimed at residents and citizens, but not only.
Monegasque public scholarships
The government, via the Ministry of Education, Youth, and Sports, manages several schemes:
– aid for Monegasque high school students, which can cover 40 to 100% of fees;
– scholarships for students going to study abroad or who live far from their family home (“independent households”), which can fund up to 100% of tuition fees;
– grants for language stays or exchange programs.
To be eligible for some of this aid, one generally must:
To be eligible for the study grant, the applicant must meet one of the following conditions: be a citizen of Monaco (or spouse), be a child or dependent of a Monegasque civil servant, or have resided in the principality for at least ten years. Furthermore, they must have been enrolled in full-time education from the age of 11.
Private scholarships and foundations
Several organizations complement this landscape. The Prince Albert II Foundation, for example, supports students in fields related to the environment, climate change, biodiversity, or renewable energies. Programs like the “Monaco Fellowship Programme” or UNESCO‑Monaco cooperations fund studies in sustainable development, international relations, peace, etc.
Associations like Papyrus offer a range of thematic scholarships: for research projects, studies in health, digital sciences, communication, law, political sciences, or management, sometimes specifically for Monegasques going to study abroad.
International University of Monaco scholarships
IUM offers its own merit-based scholarships, primarily based on the quality of the application: academic results, essay, letters of recommendation, extracurricular involvement, entrepreneurial projects, professional experience, international profile. This aid typically covers 10 to 15% of tuition fees and does not consider family income.
Key points to remember:
– you must first be admitted to apply for the scholarship;
– the form must be requested within 15 days after admission, then returned within 30 days;
– the aid cannot be combined with other discounts (sibling, Monegasque residence, etc.);
– the number of scholarships is limited, hence the importance of applying early.
For the MBA, a specific “Five Continents” program awards a discount of up to €8,000 to one candidate per continent (Africa, the Americas, Asia, Europe, Oceania), based notably on an essay about their post-degree career plan.
After the degree: staying, leaving, returning
Pursuing higher education abroad in Monaco does not necessarily mean staying there for life. Many graduates, especially those who are neither European nor long-term residents, use this experience as a springboard to other international hubs.
Working in Monaco: possible, but regulated
To secure salaried employment in the principality, three elements are needed:
To work professionally in Monaco, three main conditions must be met.
You must have found a Monegasque employer willing to hire you.
Your future employer must apply for a work authorization on your behalf with Monaco’s Employment Service.
You must possess a valid Monegasque residence card or, if residing in France, a valid French residence permit.
Monegasques and people with close ties to the principality (marriage, long-term residence) remain prioritized in the job market, but the vast majority of employees are foreigners and cross-border workers. The Committee for Graduate Integration, created by the government, also supports young Monegasque graduates or those linked to Monaco towards local employment.
An international added value
For others, the Monaco brand and the IUM name on a CV have a strong signaling effect, especially in luxury, finance, sport business, and international management. Exposure to an environment where executives, investors, entrepreneurs, and high-level sports figures mingle allows for networking opportunities difficult to access elsewhere.
The career paths of graduates illustrate the variety of international careers accessible: some become financial analysts for tech groups like Dyson, others coordinate events for luxury hotels in Dubai, and others still manage business relationships in motorsports for top-tier racing teams. These successes rely on an active alumni network across all continents.
Should you choose Monaco for your studies, yes or no?
The question obviously has no universal answer. But based on available data, several trade-off elements can be identified.
Studying in Monaco makes sense if you clearly aim for sectors where the principality excels: luxury management, yachting, private finance, sport business, high-end international management, sustainable development applied to economic models. The environment, location on the French Riviera, safety, climate, extreme multiculturalism, and strength of the network are real assets.
In return, you must be prepared to:
To study in Monaco, you must anticipate high costs (private tuition and cost of living), manage complex Franco-Monegasque visa administration, and navigate a social environment where a very high standard of living is the norm. An alternative for housing is to reside in neighboring France with daily commutes.
For a motivated student, with a clear plan in these fields and a budget (or scholarships) accordingly, pursuing higher education abroad in Monaco can however be a very profitable investment, both in terms of skills, network, and career prospects.
The choice of this destination is not made on a whim: it requires preparation, budgeting, research. But once there, many describe the experience as profoundly transformative – both academically and personally.
A 62-year-old retiree, with financial assets over one million euros well-structured in Europe, wanted to change tax residence to durably optimize his tax burden and diversify his investments, while maintaining a strong link with France. Allocated budget: €10,000 for comprehensive support (international tax advice, administrative formalities, relocation, and asset structuring), without forced sale of assets.
After analyzing several attractive destinations (Monaco, Greece, Cyprus, Mauritius), the chosen strategy was to target Monaco for its absence of income tax for non-French individuals not conducting business there, its advantageous wealth taxation, its high-end banking environment, and its great proximity to France. The mission included: pre-expatriation tax audit (exit tax or not, tax deferral), obtaining Monegasque residence with rental/purchase of housing meeting local requirements, detachment from CNAS/CPAM, transfer of banking residence, plan to sever French tax ties (183 days/year outside France, center of economic interests…), introduction to a local network (lawyer, immigration, private bank), and overall asset integration.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
