{"id":3338,"date":"2020-06-11T18:14:00","date_gmt":"2020-06-11T16:14:00","guid":{"rendered":"https:\/\/www.augelegalfiscal.com\/els-bancs-a-andorra\/"},"modified":"2020-06-11T18:23:45","modified_gmt":"2020-06-11T16:23:45","slug":"els-bancs-a-andorra","status":"publish","type":"post","link":"https:\/\/www.augelegalfiscal.com\/ca\/els-bancs-a-andorra\/","title":{"rendered":"Els Bancs a Andorra"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3338\" class=\"elementor elementor-3338 elementor-3329\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-39bed66e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39bed66e\" 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-100 elementor-top-column elementor-element elementor-element-60de6f23\" data-id=\"60de6f23\" 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-2d563045 elementor-widget elementor-widget-heading\" data-id=\"2d563045\" 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<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Taula de continguts<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #8f2b2f;color:#8f2b2f\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #8f2b2f;color:#8f2b2f\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.augelegalfiscal.com\/ca\/els-bancs-a-andorra\/#Els_Bancs_a_Andorra\" >Els Bancs a Andorra<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.augelegalfiscal.com\/ca\/els-bancs-a-andorra\/#376_803_636\" >+376 803 636<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Els_Bancs_a_Andorra\"><\/span>Els Bancs a Andorra<span class=\"ez-toc-section-end\"><\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-738dbfa6 elementor-widget elementor-widget-text-editor\" data-id=\"738dbfa6\" 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>El <strong>sistema financer andorr\u00e0<\/strong> \u00e9s un dels principals pilars de l\u2019economia andorrana. Segons l\u2019<a href=\"https:\/\/www.andorranbanking.ad\/cat\/\" target=\"_blank\" rel=\"noopener\">Associaci\u00f3 de Bancs Andorrans<\/a> (ABA), aquest sector juntament amb l\u2019assegurador, representen aproximadament un 20% del producte interior brut.<\/p>\n<p>El sector bancari t\u00e9 m\u00e9s de 85 anys d\u2019experi\u00e8ncia i est\u00e0 format per cinc s\u00f2lids grups bancaris. Aquesta \u00e9s la llista dels bancs a Andorra: <a href=\"https:\/\/www.andbank.com\/\" target=\"_blank\" rel=\"noopener\">Andbank<\/a>, <a href=\"https:\/\/www.bsandorra.com\/\" target=\"_blank\" rel=\"noopener\">Banc Sabadell d&#8217;Andorra<\/a>, <a href=\"https:\/\/www.creditandorragroup.com\/\" target=\"_blank\" rel=\"noopener\">Cr\u00e8dit Andorr\u00e0<\/a>, <a href=\"https:\/\/vallbanc.ad\/\" target=\"_blank\" rel=\"noopener\">Vallbanc<\/a> i <a href=\"https:\/\/www.morabanc.ad\/\" target=\"_blank\" rel=\"noopener\">Mora Banc<\/a>.<\/p>\n<p>Als \u00faltims anys, el sistema financer andorr\u00e0 ha fet front a nombrosos canvis legislatius, com ha estat la implementaci\u00f3 de la regulaci\u00f3 en temes de transpar\u00e8ncia fiscal, mesures per a la cooperaci\u00f3 penal internacional i enfocats a la lluita contra el blanqueig de capitals i el finan\u00e7ament del terrorisme. Tamb\u00e9 ha existit una evident evoluci\u00f3 en regulaci\u00f3 banc\u00e0ria.<\/p>\n<p>D\u2019aqu\u00ed que l\u2019obertura d\u2019un compte bancari sigui molt m\u00e9s complexa que en altres pa\u00efsos. Els <em>Know Your Client<\/em> (KYC) s\u00f3n cada vegada m\u00e9s exigents i extensos. Per aquesta ra\u00f3, no resulta estrany que, a l\u2019hora d\u2019obrir un compte bancari a Andorra, les entitats exigeixin cada vegada m\u00e9s informaci\u00f3 personal i vulguin con\u00e8ixer m\u00e9s detalls sobre l\u2019operativa que dur\u00e0 a terme el client amb el compte bancari.<\/p>\n<p>Addicionalment, \u00e9s important tenir en compte que Andorra, al formar part de l\u2019OCDE, est\u00e0 subjecta a l\u2019intercanvi autom\u00e0tic d\u2019informaci\u00f3 o al Common Reporting St\u00e1ndard (CRS) que estableix la forma en que las autoritats competents dels pa\u00efsos adherits a aquest est\u00e0ndard s\u2019intercanvien informaci\u00f3 en relaci\u00f3 amb els comptes financers. L\u2019objectiu del CRS \u00e9s la lluita contra l\u2019evasi\u00f3 fiscal.<\/p>\n<p>Per tant, els bancs andorrans complexen estrictament amb totes les mesures exigides per la normativa internacional per evitar el frau fiscal i el blanqueig de capitals.<\/p>\n<p>Finalment, una de les \u00faltimes novetats del sector ha esta l\u2019adhesi\u00f3 a SEPA de les cinc entitats banc\u00e0ries andorranes passant a formar part de la zona \u00fanica de pagament en euros (Single Euro Payments Area \u2013 SEPA).<\/p>\n<p>Amb la uni\u00f3 a SEPA, els bancs de la pla\u00e7a financera han entrat a formar part de l\u2019\u00e0mbit geogr\u00e0fic en el que \u00e9s possible efectuar i rebre pagaments en euros amb les mateixes condicions i mateixos drets i obligacions, independentment del lloc en que es trobin.<\/p>\n<p>Conseq\u00fcentment, gr\u00e0cies a SEPA les comissions s\u00f3n menors i no \u00e9s necessari usar SWIFT per realitzar transfer\u00e8ncies entre els membres del Single Euro Payments Area.<\/p>\n<p>El nostre despatx disposa d\u2019un equip especialitzat en <a href=\"https:\/\/augelegalfiscal.com\/ca\/area-legal\/bancari-compliance\/\">compliance bancari<\/a> que treballa amb tots els bancs de la pla\u00e7a i que podr\u00e0 ajudar-lo a <strong>obrir un compte bancari a Andorra<\/strong>, aix\u00ed com en la comunicaci\u00f3 amb l\u2019entitat banc\u00e0ria.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddb11aa elementor-widget elementor-widget-text-editor\" data-id=\"ddb11aa\" 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><em>Dades extretes de l\u2019informe anual d\u2019Andorranbanking.<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24738642 elementor-widget elementor-widget-text-editor\" data-id=\"24738642\" 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=\"https:\/\/augelegalfiscal.com\/ca\/la-firma\/el-nostre-equip\/#pere-auge\"><b>Pere Aug\u00e9<\/b><\/a><\/p>\n<p>CEO<\/p>\n<p><span style=\"color: #a22d58;\">Aug\u00e9 Legal &amp; Fiscal<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7742a5c4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7742a5c4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d1b0fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d1b0fd\" 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-7e9ddf18\" data-id=\"7e9ddf18\" 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-2dbb0a5b elementor-widget elementor-widget-heading\" data-id=\"2dbb0a5b\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Desitja contactar amb un dels nostres professionals?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-343beda elementor-widget elementor-widget-shortcode\" data-id=\"343beda\" 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\">[contact-form-7 id=\"124\" title=\"Formulario de contacto 1\"]<\/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-66e12dbf\" data-id=\"66e12dbf\" 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-9e49cf8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9e49cf8\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-alt\"><\/i>\t\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<div class=\"elementor-element elementor-element-21e9df99 elementor-widget elementor-widget-heading\" data-id=\"21e9df99\" 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\"><span class=\"ez-toc-section\" id=\"376_803_636\"><\/span>+376 803 636<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64b5105f elementor-widget elementor-widget-text-editor\" data-id=\"64b5105f\" 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>Si desitja pot trucar-nos per tel\u00e8fon i atendrem personalment la seva sol\u00b7licitud.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f77ad48 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3f77ad48\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-714b7a47 elementor-widget elementor-widget-text-editor\" data-id=\"714b7a47\" 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>Tamb\u00e9 pot contactar amb el nostre equip de professionals fent-nos arribar la seva consulta al correu electr\u00f2nic\u00a0<a href=\"mailto:info@augelegalfiscal.com\">info@augelegalfiscal.com<\/a>\u00a0o contactar-nos via Whatsapp (Tel:\u00a0<a href=\"tel:+376333376\">+376 333 376<\/a>).<\/p>\n\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Els Bancs a Andorra El sistema financer andorr\u00e0 \u00e9s un dels principals pilars de l\u2019economia andorrana. Segons l\u2019Associaci\u00f3 de Bancs Andorrans (ABA), aquest sector juntament amb l\u2019assegurador, representen aproximadament un 20% del producte interior brut. El sector bancari t\u00e9 m\u00e9s de 85 anys d\u2019experi\u00e8ncia i est\u00e0 format per cinc s\u00f2lids grups bancaris. Aquesta \u00e9s la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3333,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,12],"tags":[],"class_list":["post-3338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auge","category-12"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/posts\/3338","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/comments?post=3338"}],"version-history":[{"count":1,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/posts\/3338\/revisions"}],"predecessor-version":[{"id":3339,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/posts\/3338\/revisions\/3339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/media\/3333"}],"wp:attachment":[{"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/media?parent=3338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/categories?post=3338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/ca\/wp-json\/wp\/v2\/tags?post=3338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}