{"id":3107,"date":"2021-10-12T15:43:15","date_gmt":"2021-10-12T14:43:15","guid":{"rendered":"https:\/\/onlyandorra.com\/?p=3107"},"modified":"2021-10-12T18:05:03","modified_gmt":"2021-10-12T17:05:03","slug":"los-bancos-de-andorra","status":"publish","type":"post","link":"https:\/\/onlyandorra.com\/ca\/los-bancos-de-andorra\/","title":{"rendered":"Els bancs d'Andorra"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3107\" class=\"elementor elementor-3107\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3457e89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3457e89\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-437bc39\" data-id=\"437bc39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aab4547 elementor-widget elementor-widget-image\" data-id=\"aab4547\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"509\" src=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-1024x509.jpg\" class=\"attachment-large size-large wp-image-3238\" alt=\"\" srcset=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-1024x509.jpg 1024w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-300x149.jpg 300w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-768x382.jpg 768w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-18x9.jpg 18w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra-600x298.jpg 600w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/08\/los-impuestos-de-andorra.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-51b25e4\" data-id=\"51b25e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11128af elementor-widget elementor-widget-text-editor\" data-id=\"11128af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c9s important con\u00e8ixer i tenir en compte tots els bancs existents del pa\u00eds on es t\u00e9 inter\u00e8s en <\/span><b>invertir<\/b><span style=\"font-weight: 400;\">, <\/span><b>obrir una empresa<\/b><span style=\"font-weight: 400;\"> o <\/span><b>traslladar-se<\/b><span style=\"font-weight: 400;\"> perqu\u00e8 <\/span><b>Andorra<\/b><span style=\"font-weight: 400;\"> sigui la seva resid\u00e8ncia passiva o no lucrativa.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c9s important <\/span><b>obrir un compte bancari a Andorra<\/b><span style=\"font-weight: 400;\"> per exercir qualsevol tipus d'activitat al pa\u00eds. Si vols pagar les despeses habituals com a resident, per exercitar un negoci i transferir el capital, o fer la inversi\u00f3 necess\u00e0ria per obtenir la resid\u00e8ncia passiva o no lucrativa.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Andorra \u00e9s un pa\u00eds segur i solvent gr\u00e0cies al sistema bancari. El <\/span><b>sector financer<\/b><span style=\"font-weight: 400;\"> simbolitza el 20% del <\/span><b>PIB del pa\u00eds<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-693e210 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"693e210\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b688784\" data-id=\"b688784\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb514a2 elementor-widget elementor-widget-text-editor\" data-id=\"cb514a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A continuaci\u00f3, explicarem de forma simplificada el <\/span><b>funcionament dels bancs Andorrans<\/b><span style=\"font-weight: 400;\">, dels comptes bancaris i els pagaments que es poden fer al <\/span><b>Principat d'Andorra<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p><p>\u00a0<\/p><h2><b>1. Els bancs d'Andorra: <\/b><\/h2><p><span style=\"font-weight: 400;\">Al pa\u00eds exerceixen 5 grups bancaris:<\/span><\/p><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>ANDBANK: <\/b><\/h3><span style=\"font-weight: 400;\">\u00c9s una fusi\u00f3 que va tenir lloc el 2001 de dos bancs Andorrans (el Banc Agr\u00edcol i la Banca Reig). S'especialitza a fer serveis de banca privada. \u00c9s present a Espanya des del 2011 i \u00e9s una entitat amb m\u00e9s de 85 anys d'experi\u00e8ncia en la gesti\u00f3 de grans patrimonis (tenen en gesti\u00f3 al voltant de 22 milers de milions d'euros a nivell internacional).\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>BANK SABADELL D\u2019ANDORRA: <\/b><\/h3><span style=\"font-weight: 400;\">Va ser constitu\u00eft com a alian\u00e7a amb el banc espanyol Sabadell i un consorci d'empresaris andorrans l'any 2000. Ofereix serveis de banca detallista i corporativa, banca privada i serveis d'intermediaci\u00f3 (corretatge). Es considera el banc m\u00e9s petit d'Andorra, la meitat de la propietat \u00e9s de Banc Sabadell.<\/span><\/li><\/ul><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>MORABANK: <\/b><\/h3><span style=\"font-weight: 400;\">Format per diverses corporacions i desenvolupen activitats des de gesti\u00f3 de patrimonis fins a serveis d'asseguran\u00e7a. Operen a nivell internacional (per exemple a Su\u00efssa). La seva r\u00e0tio de solv\u00e8ncia a CET1 el 2020 va ser del 25,5%.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>CR\u00c8DIT ANDORR\u00c0: <\/b><\/h3><span style=\"font-weight: 400;\">\u00c9s el m\u00e9s gran d'Andorra i fa un model de banca universal. Especialitzat en banca comercial, privada, assegurances, assessorament financer i gesti\u00f3 d'actius aix\u00ed com del patrimoni. Va ser fundat fa m\u00e9s de 70 anys.\u00a0\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>VALLBANC: <\/b><\/h3><span style=\"font-weight: 400;\">Especialitzada a la banca privada. Anteriorment era BPA (Banca Privada d'Andorra). El 2016 va ser adquirida per la companyia nord-americana JC Flowers &amp; Co, des d'aleshores va canviar d'imatge, aposta per la transpar\u00e8ncia i la claredat per als seus clients.\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Actualment, tots els bancs d'Andorra fan un intercanvi autom\u00e0tic d'informaci\u00f3 i de les dades CRS (informaci\u00f3 tribut\u00e0ria entre els pa\u00efsos adherits). La qual cosa implica que <\/span><b>Andorra \u00e9s un centre financer solvent<\/b><span style=\"font-weight: 400;\"> i compleix tots els requisits internacionals. La gesti\u00f3 financera \u00e9s conservadora i prudent, ofereix r\u00e0tios superiors al 20% i una estabilitat m\u00e9s gran.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c9667e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c9667e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b3d7b24 tel-title\" data-id=\"b3d7b24\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b357881 elementor-widget elementor-widget-heading\" data-id=\"b357881\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACTA'NS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6e7714 elementor-widget elementor-widget-shortcode\" data-id=\"a6e7714\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1379-o1\" lang=\"ru-RU\" dir=\"ltr\" data-wpcf7-id=\"1379\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/ca\/wp-json\/wp\/v2\/posts\/3107#wpcf7-f1379-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430\u044f \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/ca\/wp-json\/wp\/v2\/posts\/3107#wpcf7-f1379-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"1379\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ru_RU\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1379-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"name1\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nom\" value=\"\" type=\"text\" name=\"name1\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tel\u00e8fon\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"ENVIAR\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d44afd8 tel-title\" data-id=\"d44afd8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d07447 elementor-widget elementor-widget-heading\" data-id=\"4d07447\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El nostre Tel\u00e8fon:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3dc707 elementor-widget elementor-widget-text-editor\" data-id=\"a3dc707\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"tel:+376 87 03 01\">+376 87 03 01<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ee370f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ee370f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac0c2e1\" data-id=\"ac0c2e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7953179 elementor-widget elementor-widget-text-editor\" data-id=\"7953179\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>2. Andorran Banking i l'AFA (Autoritat Financera Andorrana)<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Andorran Banking \u00e9s la <\/span><b>Associaci\u00f3 de les Entitats Banc\u00e0ries Andorranes i representa els seus interessos. <\/b><span style=\"font-weight: 400;\">La seva missi\u00f3 \u00e9s tenir cura del prestigi, la competitivitat i el desenvolupament dels bancs tant a nivell d'Andorra com a nivell internacional. Destacar que a m\u00e9s, \u00e9s membre de la CCIS (Cambra de Comer\u00e7, Ind\u00fastria i Serveis d'Andorra), de la CEA (Confederaci\u00f3 Empresarial Andorrana) i de l'EBF (Federaci\u00f3 Banc\u00e0ria Europea).<\/span><\/p><p><span style=\"font-weight: 400;\">L' <\/span><b>AFA (Autoritat Financera Andorrana)<\/b><span style=\"font-weight: 400;\"> \u00e9s la instituci\u00f3 que s'ocupa de supervisar el sistema financer andorr\u00e0, tant als bancs com a les asseguradores. La seva finalitat \u00e9s garantir el bon funcionament, la transpar\u00e8ncia, la competitivitat i la reputaci\u00f3 del sistema, redueix el risc sist\u00e8mic i actua en conseq\u00fc\u00e8ncia.<\/span><\/p><p><span style=\"font-weight: 400;\">Una altra funci\u00f3 important \u00e9s gestionar \u201cels dip\u00f2sits i les fiances\u201d de les persones residents sense activitat lucrativa i dels individus que sol\u00b7licitin una autoritzaci\u00f3 d'immigraci\u00f3 de resid\u00e8ncia i treball per compte propi.\u00a0<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff8f83f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff8f83f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ffa1a2d\" data-id=\"ffa1a2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-014327a elementor-widget elementor-widget-text-editor\" data-id=\"014327a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>4. Altres Impostos i Taxes a Andorra:<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4a4d95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4a4d95\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-464c674\" data-id=\"464c674\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d70439e elementor-widget elementor-widget-text-editor\" data-id=\"d70439e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>3. Andorra i el SEPA<\/b><b><\/b><\/h2><p><b>SEPA (Single Euro Payments Area) <\/b><span style=\"font-weight: 400;\">\u00e9s la zona on els ciutadans i les empreses poden efectuar pagaments i cobraments en euros dins i fora de les fronteres estatals, en les mateixes condicions, amb els mateixos drets i obligacions.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>La SEPA t\u00e9 tres instruments per als pagaments nacionals i internacionals a qualsevol pa\u00eds que estan a la seva \u00e0rea<\/strong>:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer\u00e8ncies de cr\u00e8dit SEPA (per pagar n\u00f2mines, pagaments massius i puntuals).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Els c\u00e0rrecs directes SEPA (domiciliaci\u00f3 banc\u00e0ria puntual o peri\u00f2dica).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les transfer\u00e8ncies instant\u00e0nies de cr\u00e8dit SEPA.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>Actualment aquesta \u00e0rea de pagament SEPA est\u00e0 formada per 36 pa\u00efsos<\/strong>:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Andorra, Sant Mar\u00ed, M\u00f2naco i Ciutat del Vatic\u00e0.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4 membres de l'Associaci\u00f3 Europea de Lliure Comer\u00e7 (Isl\u00e0ndia, Su\u00efssa, Liechtenstein i Noruega).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">28 estats de la Uni\u00f3 Europea.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>Andorra es va ajuntar al SEPA el mar\u00e7 del 2019<\/strong>, cosa que implica que qualsevol particular o empresa pot rebre i enviar els pagaments des d'un banc andorr\u00e0 a qualsevol altre compte (un d'aquests 36 pa\u00efsos).<\/span><\/p><p><span style=\"font-weight: 400;\">Tot i que els bancs Andorrans s\u00f3n molt solvents, en la realitat s\u00f3n menys competitius per fer transfer\u00e8ncies internacionals a causa de les seves elevades comissions, tampoc funcionen totes les passarel\u00b7les de pagament com ara PayPal, entre d'altres.<\/span><\/p><p><span style=\"font-weight: 400;\">Tot i aix\u00ed, la major part de les transfer\u00e8ncies internacionals es realitzen sense problemes. Algunes poden ser m\u00e9s lentes o tenir m\u00e9s comissi\u00f3, una soluci\u00f3 pot ser obrir un compte bancari estranger.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fc3e5ef\" data-id=\"fc3e5ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13a7dd1 elementor-widget elementor-widget-image\" data-id=\"13a7dd1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-1024x678.jpg\" class=\"attachment-large size-large wp-image-3249\" alt=\"\" srcset=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-1024x678.jpg 1024w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-300x199.jpg 300w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-768x509.jpg 768w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-18x12.jpg 18w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so-600x398.jpg 600w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-parai\u0301so.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04dfca2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04dfca2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68b5654 tel-title\" data-id=\"68b5654\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e389871 elementor-widget elementor-widget-heading\" data-id=\"e389871\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACTA'NS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f74314 elementor-widget elementor-widget-shortcode\" data-id=\"2f74314\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1379-o2\" lang=\"ru-RU\" dir=\"ltr\" data-wpcf7-id=\"1379\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/ca\/wp-json\/wp\/v2\/posts\/3107#wpcf7-f1379-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"\u041a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430\u044f \u0444\u043e\u0440\u043c\u0430\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/ca\/wp-json\/wp\/v2\/posts\/3107#wpcf7-f1379-o2\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"1379\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ru_RU\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1379-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"name1\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nom\" value=\"\" type=\"text\" name=\"name1\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tel\u00e8fon\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"ENVIAR\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f572167 tel-title\" data-id=\"f572167\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74dad95 elementor-widget elementor-widget-heading\" data-id=\"74dad95\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El nostre Tel\u00e8fon:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99fcf83 elementor-widget elementor-widget-text-editor\" data-id=\"99fcf83\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"tel:+376 87 03 01\">+376 87 03 01<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb9200c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb9200c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-35b1e13\" data-id=\"35b1e13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82d1526 elementor-widget elementor-widget-image-gallery\" data-id=\"82d1526\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-3107 gallery-columns-1 gallery-size-large'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"82d1526\" data-elementor-lightbox-title=\"andorra la vella vistas\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzI1NywidXJsIjoiaHR0cHM6XC9cL29ubHlhbmRvcnJhLmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyMVwvMTBcL2FuZG9ycmEtbGEtdmVsbGEtdmlzdGFzLmpwZyIsInNsaWRlc2hvdyI6IjgyZDE1MjYifQ%3D%3D\" href='https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas.jpg'><img decoding=\"async\" width=\"1024\" height=\"792\" src=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-1024x792.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-1024x792.jpg 1024w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-300x232.jpg 300w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-768x594.jpg 768w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-16x12.jpg 16w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas-600x464.jpg 600w, https:\/\/onlyandorra.com\/wp-content\/uploads\/2021\/10\/andorra-la-vella-vistas.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9c1e7e6\" data-id=\"9c1e7e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af33983 elementor-widget elementor-widget-text-editor\" data-id=\"af33983\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>4. Comptes estrangers d'empreses o particulars d'Andorra\u00a0<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Tal com hav\u00edem comentat abans, les comissions per a les transfer\u00e8ncies internacionals des d'un banc andorr\u00e0 \u00e9s for\u00e7a elevada en comparaci\u00f3 per exemple a un banc de Fran\u00e7a o Espanya. Una opci\u00f3 seria obrir un compte bancari espanyol amb un representant fiscal amb n\u00famero d'identificaci\u00f3 espanyol.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Per exemple, entre el banc Sabadell d\u2019Andorra i el banc Sabadell d\u2019Espanya no tenen comissions per als traspassos o transfer\u00e8ncies entre els seus comptes. Tamb\u00e9 podeu retirar l'efectiu dels caixers sense comissions.<\/span><\/p><p>\u00a0<\/p><h2><b>5. Obrir un compte bancari\u00a0<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Qualsevol empresa o particular pot obrir un compte bancari, sent resident d'Andorra o no. Per\u00f2 cal <\/span><b>complir la normativa de la legislaci\u00f3 de prevenci\u00f3 de rentatge i blanqueig de capitals. <\/b><span style=\"font-weight: 400;\">\u00c9s important complir el protocol de FATCA i indicar l'origen dels fons ingressats.\u00a0<\/span><b><\/b><\/p><p>\u00a0<\/p><h2><b>6. Hi ha blanqueig de capitals a Andorra?<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Com b\u00e9 se sap, el 2016 Andorra va signar un acord amb la Uni\u00f3 Europea d'intercanvi autom\u00e0tic d'informaci\u00f3 fiscal i el 2017 ja es va suprimir definitivament qualsevol secret bancari.<\/span><\/p><p><span style=\"font-weight: 400;\">Des de l'estiu de l'any 2018 \u00e9s un delicte fiscal greu per a una entitat banc\u00e0ria no oferir tota la informaci\u00f3 de car\u00e0cter tribut\u00e0ria i financera que li sigui requerida.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Aix\u00ed que Andorra no \u00e9s definitivament un parad\u00eds fiscal. <strong>Tots els ingressos i els patrimonis han de ser justificats amb documentaci\u00f3 oficial. <\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dbdb0e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbdb0e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9acf3ce\" data-id=\"9acf3ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-768d489 elementor-widget elementor-widget-text-editor\" data-id=\"768d489\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>7. Avantatges de tenir un compte bancari a Andorra<\/b><\/h2><p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">En saber que les comissions per a les transfer\u00e8ncies internacionals s\u00f3n m\u00e9s elevades que altres pa\u00efsos de la UE, us preguntareu quin sentit t\u00e9 que una empresa o particular no resident tingui un compte bancari a Andorra\u2026 A continuaci\u00f3 citem alguns avantatges:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Estalviar: <\/b><span style=\"font-weight: 400;\">gr\u00e0cies a una planificaci\u00f3 fiscal excel\u00b7lent, rebaixant la c\u00e0rrega impositiva sobre l'estalvi o sobre la renda, et permetr\u00e0 estalviar a difer\u00e8ncia d'un compte espanyol per exemple.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seguretat:<\/b><span style=\"font-weight: 400;\"> com ja hav\u00edem comentat, la banca Andorrana \u00e9s una de les m\u00e9s segures d'Europa.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possibilitat d'obrir compte bancari ONLINE <\/b><span style=\"font-weight: 400;\">a Andorra (a dist\u00e0ncia): pots obrir el compte bancari online des del lloc on et trobis. \u00c9s important presentar tota la documentaci\u00f3 i el KYC (verifiquen la identitat segons les exig\u00e8ncies legals, les normatives i les regulacions vigents), els bancs Andorrans s\u00f3n molt exigents i \u00e9s millor preparar-ho tot amb antelaci\u00f3.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Acc\u00e9s als actius de les entitats banc\u00e0ries:<\/b><span style=\"font-weight: 400;\"> possibilitat de comprar actius, immobles, etc.\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><h2><strong>8. Documentaci\u00f3 per obrir un compte bancari a Andorra:<\/strong><\/h2><p><span style=\"font-weight: 400;\">La documentaci\u00f3 que sol\u00b7liciten els bancs andorrans pot variar segons cada cas en particular ja que pot variar segons el titular, la resid\u00e8ncia, els imports de les futures transaccions, els actius, entre altres aspectes.<\/span><\/p><p><span style=\"font-weight: 400;\">La documentaci\u00f3 m\u00ednima i obligat\u00f2ria:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DNI, ID i\/o Passaport: \u00e9s important que estigui vigent. A m\u00e9s, \u00e9s possible que demanin algun rebut que estigui al teu nom.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extracte bancari o fiscal: demanen extracte del banc i la declaraci\u00f3 dels impostos del lloc de resid\u00e8ncia.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documentaci\u00f3 acreditativa de la proced\u00e8ncia dels diners: per evitar el blanqueig del capital, cal mostrar que els diners no s\u00f3n blanquejats.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Igualment, abans d'iniciar el proc\u00e9s \u00e9s essencial con\u00e8ixer b\u00e9 tots els temes relacionats. Only Andorra treballa amb professionals fiscals, economistes, immobili\u00e0ries i advocats amb \u00e0mplia experi\u00e8ncia al sector.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Estem a la seva completa disposici\u00f3 per ajudar-lo, guiar-lo i assessorar-lo ja sigui per ser resident, per adquirir un b\u00e9 immobiliari o muntar una empresa a Andorra.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Contacti'ns per a qualsevol tipus de dubte o pregunta. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Es importante conocer y tener en cuenta todos los bancos existentes del pa\u00eds donde se tiene inter\u00e9s en invertir, abrir una empresa o trasladarse para que Andorra sea su residencia pasiva o no lucrativa. Es importante abrir una cuenta bancaria en Andorra para ejercer cualquier tipo de actividad en el pa\u00eds. Si quieres pagar los [&hellip;]<\/p>","protected":false},"author":1,"featured_media":3249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[64],"class_list":["post-3107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-andorra","tag-turizm"],"_links":{"self":[{"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/posts\/3107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/comments?post=3107"}],"version-history":[{"count":33,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/posts\/3107\/revisions"}],"predecessor-version":[{"id":3275,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/posts\/3107\/revisions\/3275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/media\/3249"}],"wp:attachment":[{"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/media?parent=3107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/categories?post=3107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onlyandorra.com\/ca\/wp-json\/wp\/v2\/tags?post=3107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}