{"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\/pt\/los-bancos-de-andorra\/","title":{"rendered":"bancos andorranos"},"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;\">\u00c9 importante conhecer e levar em conta todos os bancos existentes no pa\u00eds onde voc\u00ea tem interesse em <\/span><b>invista<\/b><span style=\"font-weight: 400;\">, <\/span><b>cria\u00e7\u00e3o de uma empresa<\/b><span style=\"font-weight: 400;\"> o <\/span><b>ir para<\/b><span style=\"font-weight: 400;\"> para que <\/span><b>Andorra<\/b><span style=\"font-weight: 400;\"> quer a sua resid\u00eancia seja passiva ou sem fins lucrativos.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c9 importante para <\/span><b>abrir uma conta banc\u00e1ria em Andorra<\/b><span style=\"font-weight: 400;\"> para realizar qualquer tipo de actividade no pa\u00eds. Se quiser pagar as despesas habituais como residente, para gerir um neg\u00f3cio e transferir capital, ou para fazer o investimento necess\u00e1rio para obter uma resid\u00eancia passiva ou sem fins lucrativos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Andorra \u00e9 um pa\u00eds seguro e solvente gra\u00e7as ao seu sistema banc\u00e1rio. O <\/span><b>setor financeiro<\/b><span style=\"font-weight: 400;\"> simboliza o 20% do <\/span><b>PIB do 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 seguir, explicaremos de forma simplificada o <\/span><b>o funcionamento dos bancos andorranos<\/b><span style=\"font-weight: 400;\">As contas banc\u00e1rias e os pagamentos que podem ser feitos no <\/span><b>Principado de Andorra<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p><p>\u00a0<\/p><h2><b>1. Bancos andorranos: <\/b><\/h2><p><span style=\"font-weight: 400;\">Cinco grupos banc\u00e1rios operam no pa\u00eds:<\/span><\/p><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>ANDBANK: <\/b><\/h3><span style=\"font-weight: 400;\">Trata-se de uma fus\u00e3o de dois bancos andorranos (Banc Agr\u00edcol e Banca Reig), ocorrida em 2001. \u00c9 especializada em servi\u00e7os banc\u00e1rios privados. Est\u00e1 presente em Espanha desde 2011 e \u00e9 uma entidade com mais de 85 anos de experi\u00eancia na gest\u00e3o de grandes activos (t\u00eam cerca de 22 mil milh\u00f5es de euros sob gest\u00e3o internacional).\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><h3><b>SABADELL D'ANDORRA: <\/b><\/h3><span style=\"font-weight: 400;\">Foi formada como uma alian\u00e7a com o banco espanhol Sabadell e um cons\u00f3rcio de empres\u00e1rios andorranos em 2000. Oferece servi\u00e7os de banca de retalho e de empresas, banca privada e corretagem. \u00c9 considerado o menor banco da Andorra, metade de propriedade do Banco 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;\">Formadas por v\u00e1rias empresas, elas desenvolvem diversas atividades, desde a gest\u00e3o de fortunas at\u00e9 os servi\u00e7os de seguros. Eles operam internacionalmente (por exemplo, na Su\u00ed\u00e7a). O seu r\u00e1cio de solv\u00eancia CET1 em 2020 foi de 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;\">\u00c9 a maior da Andorra e opera um modelo banc\u00e1rio universal. \u00c9 especializada em banca comercial e privada, seguros, consultoria financeira e gest\u00e3o de activos e patrim\u00f3nios. Foi fundada h\u00e1 mais de 70 anos.\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;\">Especializado em banca privada. Anteriormente BPA (Banca Privada de Andorra). Em 2016 foi adquirida pela empresa americana JC Flowers &amp; Co, desde ent\u00e3o mudou sua imagem, com foco na transpar\u00eancia e clareza para seus clientes.\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Todos os bancos andorranos realizam actualmente um interc\u00e2mbio autom\u00e1tico de informa\u00e7\u00e3o e dados CRS (informa\u00e7\u00e3o fiscal entre pa\u00edses membros). Isto significa que <\/span><b>Andorra \u00e9 um centro financeiro solvente.<\/b><span style=\"font-weight: 400;\"> e cumpre todos os requisitos internacionais. A gest\u00e3o financeira \u00e9 conservadora e prudente, oferecendo r\u00e1cios superiores a 20% e maior estabilidade.\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\">FALE CONOSCO<\/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=\"\/pt\/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=\"\/pt\/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=\"Nome\" 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=\"Telefone\" 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=\"pt\"\/><\/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\">O nosso telefone:<\/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. Banco Andorrano e a AFA (Autoridade Financeira Andorrana)<\/b><\/h2><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">O Banco Andorrano \u00e9 o <\/span><b>Associa\u00e7\u00e3o das Institui\u00e7\u00f5es Banc\u00e1rias Andorranas e representa os seus interesses. <\/b><span style=\"font-weight: 400;\">A sua miss\u00e3o \u00e9 salvaguardar o prest\u00edgio, a competitividade e o desenvolvimento dos bancos, tanto em Andorra como internacionalmente. \u00c9 tamb\u00e9m membro da CCIS (C\u00e2mara de Com\u00e9rcio, Ind\u00fastria e Servi\u00e7os Andorrana), da CEA (Confedera\u00e7\u00e3o Empresarial Andorrana) e da EBF (Federa\u00e7\u00e3o Banc\u00e1ria Europeia).<\/span><\/p><p><span style=\"font-weight: 400;\">O <\/span><b>AFA (Autoridade Financeira Andorrana)<\/b><span style=\"font-weight: 400;\"> \u00e9 a institui\u00e7\u00e3o encarregada da supervis\u00e3o do sistema financeiro andorrano, tanto bancos como companhias de seguros. O seu objectivo \u00e9 assegurar o bom funcionamento, transpar\u00eancia, competitividade e reputa\u00e7\u00e3o do sistema, reduzir o risco sist\u00e9mico e agir em conformidade.<\/span><\/p><p><span style=\"font-weight: 400;\">Outra fun\u00e7\u00e3o importante \u00e9 gerir \"dep\u00f3sitos e obriga\u00e7\u00f5es\" para pessoas sem fins lucrativos residentes e indiv\u00edduos que solicitem autoriza\u00e7\u00e3o de resid\u00eancia e de imigra\u00e7\u00e3o por conta pr\u00f3pria.\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. Outros Impostos e Taxas em 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 e a SEPA<\/b><b><\/b><\/h2><p><b>SEPA (Single Euro Payments Area \/ \u00c1rea \u00danica de Pagamentos em Euros) <\/b><span style=\"font-weight: 400;\">\u00e9 a \u00e1rea em que cidad\u00e3os e empresas podem fazer pagamentos e recebimentos em euros dentro e fora das fronteiras nacionais em condi\u00e7\u00f5es de igualdade, com os mesmos direitos e obriga\u00e7\u00f5es.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>A SEPA disp\u00f5e de tr\u00eas instrumentos para pagamentos nacionais e internacionais em qualquer pa\u00eds da \u00e1rea do euro<\/strong>:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer\u00eancias a cr\u00e9dito SEPA (para pagamentos de sal\u00e1rios, em massa e pontuais).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00e9bitos directos SEPA (d\u00e9bitos directos pontuais ou peri\u00f3dicos).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer\u00eancias a cr\u00e9dito instant\u00e2neas SEPA.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>O espa\u00e7o de pagamentos SEPA abrange actualmente 36 pa\u00edses.<\/strong>:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Andorra, San Marino, M\u00f3naco e Cidade do Vaticano.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4 membros da Associa\u00e7\u00e3o Europeia de Com\u00e9rcio Livre (Isl\u00e2ndia, Su\u00ed\u00e7a, Liechtenstein e Noruega).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">28 Estados da Uni\u00e3o Europeia.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\"><strong>Andorra adere \u00e0 SEPA em Mar\u00e7o de 2019<\/strong>Isto significa que qualquer indiv\u00edduo ou empresa pode receber e enviar pagamentos de um banco andorrano para qualquer outra conta (um destes 36 pa\u00edses).<\/span><\/p><p><span style=\"font-weight: 400;\">Embora os bancos andorranos sejam muito solventes, na realidade s\u00e3o menos competitivos nas transfer\u00eancias internacionais devido \u00e0s suas elevadas comiss\u00f5es, nem todos os gateways de pagamento como o PayPal, entre outros, funcionam.<\/span><\/p><p><span style=\"font-weight: 400;\">Mesmo assim, a maioria das transfer\u00eancias internacionais correm sem problemas. Alguns podem ser mais lentos ou ter taxas mais altas, uma solu\u00e7\u00e3o pode ser abrir uma conta banc\u00e1ria estrangeira.<\/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\">FALE CONOSCO<\/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=\"\/pt\/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=\"\/pt\/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=\"Nome\" 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=\"Telefone\" 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=\"pt\"\/><\/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\">O nosso telefone:<\/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. Contas estrangeiras de empresas ou indiv\u00edduos andorranos\u00a0<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Como mencionado acima, as taxas para transfer\u00eancias internacionais de um banco andorrano s\u00e3o bastante elevadas em compara\u00e7\u00e3o, por exemplo, com um banco em Fran\u00e7a ou Espanha. Uma op\u00e7\u00e3o seria abrir uma conta banc\u00e1ria espanhola com um representante fiscal com um n\u00famero de identifica\u00e7\u00e3o espanhol.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Por exemplo, entre o banco Sabadell d'Andorra e o banco Sabadell em Espanha, n\u00e3o h\u00e1 comiss\u00f5es por transfer\u00eancias entre as suas contas. O dinheiro tamb\u00e9m pode ser levantado nos caixas eletr\u00f4nicos sem comiss\u00f5es.<\/span><\/p><p>\u00a0<\/p><h2><b>5. Abrir uma conta banc\u00e1ria\u00a0<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Qualquer empresa ou indiv\u00edduo pode abrir uma conta banc\u00e1ria, seja residente ou n\u00e3o em Andorra. Mas voc\u00ea deve <\/span><b>cumprir a legisla\u00e7\u00e3o anti-lavagem de dinheiro e anti-lavagem de dinheiro. <\/b><span style=\"font-weight: 400;\">\u00c9 importante cumprir o protocolo FATCA e indicar a origem dos fundos recebidos.\u00a0<\/span><b><\/b><\/p><p>\u00a0<\/p><h2><b>6. H\u00e1 lavagem de dinheiro em Andorra?<\/b><b><\/b><\/h2><p><span style=\"font-weight: 400;\">Como \u00e9 sabido, em 2016 Andorra assinou um acordo com a Uni\u00e3o Europeia para o interc\u00e2mbio autom\u00e1tico de informa\u00e7\u00f5es fiscais e em 2017 qualquer sigilo banc\u00e1rio foi definitivamente abolido.<\/span><\/p><p><span style=\"font-weight: 400;\">Desde o Ver\u00e3o de 2018, tem sido uma infrac\u00e7\u00e3o fiscal grave o facto de um banco n\u00e3o fornecer todas as informa\u00e7\u00f5es fiscais e financeiras solicitadas.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Ent\u00e3o Andorra n\u00e3o \u00e9 definitivamente um para\u00edso fiscal. <strong>Todos os rendimentos e bens devem ser suportados por documenta\u00e7\u00e3o 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. Vantagens de ter uma conta banc\u00e1ria em Andorra<\/b><\/h2><p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Sabendo que as taxas das transfer\u00eancias internacionais s\u00e3o mais elevadas do que em outros pa\u00edses da UE, voc\u00ea pode se perguntar por que faz sentido para uma empresa ou indiv\u00edduo n\u00e3o-residente ter uma conta banc\u00e1ria em Andorra... Aqui est\u00e3o algumas das vantagens:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A salvar: <\/b><span style=\"font-weight: 400;\">Gra\u00e7as a um excelente planejamento tribut\u00e1rio, a redu\u00e7\u00e3o da carga tribut\u00e1ria sobre a poupan\u00e7a ou renda, lhe permitir\u00e1 economizar ao contr\u00e1rio de uma conta espanhola, por exemplo.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seguran\u00e7a:<\/b><span style=\"font-weight: 400;\"> Como mencionado acima, a banca andorrana \u00e9 considerada uma das mais seguras da Europa.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possibilidade de abrir uma conta banc\u00e1ria ONLINE <\/b><span style=\"font-weight: 400;\">em Andorra (remotamente): voc\u00ea pode abrir a conta banc\u00e1ria online de onde quer que voc\u00ea esteja. \u00c9 importante apresentar toda a documenta\u00e7\u00e3o e KYC (eles verificam a sua identidade de acordo com os requisitos legais, regras e regulamentos em vigor), os bancos andorranos s\u00e3o muito exigentes e \u00e9 melhor preparar tudo com anteced\u00eancia.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Acesso aos activos banc\u00e1rios:<\/b><span style=\"font-weight: 400;\"> possibilidade de comprar bens, bens imobili\u00e1rios, etc.\u00a0<\/span><\/li><\/ul><p>\u00a0<\/p><h2><strong>8. Documenta\u00e7\u00e3o para a abertura de uma conta banc\u00e1ria em Andorra:<\/strong><\/h2><p><span style=\"font-weight: 400;\">A documenta\u00e7\u00e3o solicitada pelos bancos andorranos pode variar caso a caso, pois pode variar em fun\u00e7\u00e3o do titular, da sua resid\u00eancia, dos montantes das transac\u00e7\u00f5es futuras, do seu patrim\u00f3nio, entre outros aspectos.<\/span><\/p><p><span style=\"font-weight: 400;\">A documenta\u00e7\u00e3o m\u00ednima e obrigat\u00f3ria:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DNI, BI e\/ou Passaporte: \u00e9 importante que seja v\u00e1lido. Eles tamb\u00e9m podem pedir um recibo em seu nome.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declara\u00e7\u00e3o banc\u00e1ria ou fiscal: pedem uma declara\u00e7\u00e3o banc\u00e1ria e a declara\u00e7\u00e3o fiscal do local de resid\u00eancia.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documenta\u00e7\u00e3o comprovativa da origem do dinheiro: para evitar a lavagem de dinheiro, deve ser demonstrado que o dinheiro n\u00e3o \u00e9 lavado.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Da mesma forma, antes de iniciar o processo, \u00e9 essencial ter um bom conhecimento de todas as quest\u00f5es relacionadas. S\u00f3 Andorra trabalha com profissionais da \u00e1rea fiscal, economistas, agentes imobili\u00e1rios e advogados com ampla experi\u00eancia no setor.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Estamos \u00e0 sua completa disposi\u00e7\u00e3o para ajud\u00e1-lo, orient\u00e1-lo e aconselh\u00e1-lo se \u00e9 para se tornar um residente, para adquirir um im\u00f3vel ou para criar uma empresa em Andorra.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Por favor, entre em contato conosco com qualquer d\u00favida que tenha. <\/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\/pt\/wp-json\/wp\/v2\/posts\/3107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/comments?post=3107"}],"version-history":[{"count":33,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/posts\/3107\/revisions"}],"predecessor-version":[{"id":3275,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/posts\/3107\/revisions\/3275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/media\/3249"}],"wp:attachment":[{"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/media?parent=3107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/categories?post=3107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onlyandorra.com\/pt\/wp-json\/wp\/v2\/tags?post=3107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}