{"id":3408,"date":"2020-06-11T18:14:00","date_gmt":"2020-06-11T16:14:00","guid":{"rendered":"https:\/\/www.augelegalfiscal.com\/les-banques-en-andorre\/"},"modified":"2020-06-19T13:05:24","modified_gmt":"2020-06-19T11:05:24","slug":"les-banques-en-andorre","status":"publish","type":"post","link":"https:\/\/www.augelegalfiscal.com\/fr\/les-banques-en-andorre\/","title":{"rendered":"Les Banques en Andorre"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3408\" class=\"elementor elementor-3408 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\">Table des mati\u00e8res<\/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\/fr\/les-banques-en-andorre\/#Les_Banques_en_Andorre\" >Les Banques en Andorre<\/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\/fr\/les-banques-en-andorre\/#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=\"Les_Banques_en_Andorre\"><\/span>Les Banques en Andorre<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>Le syst\u00e8me financier andorran est l\u2019un des principaux piliers de l\u2019\u00e9conomie andorrane. Selon l\u2019<a href=\"https:\/\/www.andorranbanking.ad\/es\/\" target=\"_blank\" rel=\"noopener\">Association des Banques Andorranes<\/a> (ABA), ce secteur, avec celui de l\u2019assurance, repr\u00e9sente environ 20 % du produit int\u00e9rieur brut.<\/p>\n<p>Le secteur bancaire a plus de 85 ans d\u2019exp\u00e9rience et se compose de cinq groupes bancaires solides. Voici la liste des banques en Andorre : <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\u2019Andorre<\/a>, <a href=\"https:\/\/www.creditandorragroup.com\/es\" target=\"_blank\" rel=\"noopener\">Cr\u00e8dit Andorr\u00e0<\/a>, <a href=\"https:\/\/vallbanc.ad\/es\/\" target=\"_blank\" rel=\"noopener\">Vallbanc<\/a> et <a href=\"https:\/\/www.morabanc.ad\/\" target=\"_blank\" rel=\"noopener\">Mora Banc<\/a>.<\/p>\n<p>Ces derni\u00e8res ann\u00e9es, le syst\u00e8me financier andorran a \u00e9t\u00e9 confront\u00e9 \u00e0 de nombreux changements l\u00e9gislatifs, tels que la mise en \u0153uvre de la r\u00e9glementation en mati\u00e8re de transparence fiscale, les mesures de coop\u00e9ration p\u00e9nale internationale et la lutte contre le blanchiment d\u2019argent et le financement du terrorisme. Il y a \u00e9galement eu une \u00e9volution \u00e9vidente de la r\u00e9glementation bancaire.<\/p>\n<p>L\u2019ouverture d\u2019un compte bancaire est donc beaucoup plus complexe que dans d\u2019autres pays. Les Know your client (KYC) sont de plus en plus exigeants et complets. Il n\u2019est donc pas surprenant que, lors de l\u2019ouverture d\u2019un compte bancaire en Andorre, les entit\u00e9s demandent de plus en plus d\u2019informations personnelles et veulent en savoir plus sur les op\u00e9rations que le client effectuera avec le compte bancaire.<\/p>\n<p>Il est aussi important de garder \u00e0 l\u2019esprit que l\u2019Andorre, en tant que membre de l\u2019OCDE, est soumise \u00e0 l\u2019\u00e9change automatique d\u2019informations ou au Common Reporting Standard (CRS) qui \u00e9tablit la mani\u00e8re dont les autorit\u00e9s comp\u00e9tentes des pays adh\u00e9rant \u00e0 cette norme \u00e9changent des informations relatives aux comptes financiers. L\u2019objectif du CRS est de lutter contre l\u2019\u00e9vasion fiscale.<\/p>\n<p>Les banques andorranes respectent donc strictement toutes les mesures exig\u00e9es par la r\u00e9glementation internationale pour pr\u00e9venir la fraude fiscale et le blanchiment d\u2019argent.<\/p>\n<p>Pour finir, l\u2019une des derni\u00e8res nouveaut\u00e9s du secteur a \u00e9t\u00e9 l\u2019adh\u00e9sion au SEPA des cinq \u00e9tablissements bancaires andorrans faisant partie int\u00e9grante de la zone unique de paiements en euros (Single Euro Payments Area &#8211; SEPA).<\/p>\n<p>Avec l\u2019union au SEPA, les banques de la place financi\u00e8re sont entr\u00e9es dans la zone g\u00e9ographique o\u00f9 il est possible d\u2019effectuer et de recevoir des paiements en euros dans les m\u00eames conditions et avec les m\u00eames droits et obligations, quel que soit le lieu o\u00f9 elles se trouvent.<\/p>\n<p>Par cons\u00e9quent, gr\u00e2ce au SEPA, les commissions sont moindres et il n\u2019est pas n\u00e9cessaire d\u2019utiliser SWIFT pour effectuer des transferts entre les membres de la zone SEPA.<\/p>\n<p>Notre Cabinet dispose d\u2019une \u00e9quipe sp\u00e9cialis\u00e9e dans la <a href=\"https:\/\/augelegalfiscal.com\/fr\/area-legal\/secteur-bancaire-compliance\/\">conformit\u00e9 bancaire<\/a> (compliance) qui travaille avec toutes les banques de la place et qui pourra vous aider \u00e0 ouvrir un compte bancaire en Andorre, ainsi qu\u2019\u00e0 faciliter la communication avec l\u2019\u00e9tablissement bancaire.<\/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>Donn\u00e9es extraites du rapport annuel de l\u2019Andorran banking.<\/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\/fr\/entreprise\/notre-equipe\/#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\">Voulez-vous contacter un de nos professionnels?<\/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 vous le souhaitez, vous pouvez nous appeler et nous r\u00e9pondrons personnellement \u00e0 votre demande.<\/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>Vous pouvez \u00e9galement contacter notre \u00e9quipe de professionnels en envoyant votre demande \u00e0 l\u2019adresse suivante:\u00a0<a href=\"mailto:info@augelegalfiscal.com\">info@augelegalfiscal.com<\/a>\u00a0ou en nous contactant via WhatsApp (T\u00e9l.:\u00a0<a href=\"tel:00376333376\">+376 33 33 76<\/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>Les Banques en Andorre Le syst\u00e8me financier andorran est l\u2019un des principaux piliers de l\u2019\u00e9conomie andorrane. Selon l\u2019Association des Banques Andorranes (ABA), ce secteur, avec celui de l\u2019assurance, repr\u00e9sente environ 20 % du produit int\u00e9rieur brut. Le secteur bancaire a plus de 85 ans d\u2019exp\u00e9rience et se compose de cinq groupes bancaires solides. Voici la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3335,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,12],"tags":[],"class_list":["post-3408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auge","category-12"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/posts\/3408","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/comments?post=3408"}],"version-history":[{"count":1,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/posts\/3408\/revisions"}],"predecessor-version":[{"id":3409,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/posts\/3408\/revisions\/3409"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/media\/3335"}],"wp:attachment":[{"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/media?parent=3408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/categories?post=3408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.augelegalfiscal.com\/fr\/wp-json\/wp\/v2\/tags?post=3408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}