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Finance

© Michelle Chaplow
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Looking for financial information dealing with Andalucia? Doing business in Andalucia can be a little intimidating, especially if you are new to the region or even new to Spain. Many of the laws are as different as the culture so it is always refreshing to know that you can find trusted information all in one place.

Below you will find a treasure-trove of facts, information, and contacts; all you will need to access whatever financial services that you need, whether it be as innocuous finding a bank or something more difficult like buying a business. You have it all here at your fingertips.

Finance

If you are buying property in Spain, investing or starting a business, or making a will (among other reasons), you should definitely employ the services of an experienced lawyer. You will find… More →

Gibraltar's economy revolves largely around financial services, shipping, tourism and e-gaming and telecommunications, including Internet. Businesses wishing to set up, expand or diversify on the… More →

Offshore investing is a highly attractive option for expatriate residents in Andalucia. Included in this section are neutral descriptions of all types of financial… More →

There are a number of Independent Financial Advisers (IFA's) in Southern Spain, who provide financial planning services on either a time and cost or a commission basis. Local representatives from… More →

As a business owner in Andalucia you will periodically need the services of an auditor. These professional accountants study your company’s accounts and finances in order to certify that your… More →

You may not need the services of an accountant when you first arrive in Spain but when it comes to completing your annual income tax return you might consider employing one. Accounting… More →

Professionals

There are various legal and professional advisors in Spain that you may need if you purchase property or decide to become a resident. This section is intended to help you understand what the role… More →

The individual relationships that develop with financial professionals are very important for the business client because it will be an ongoing one which can rely as… More →

The first time a foreigner hears this job title he may think he is having his leg pulled. It is commonly used however and not at all disrespectful. The origin is… More →

The Notary is not a professional advisor he is a witness of the state. There are many transactions, such as the purchase of land, that the law requires that they be… More →

The Gestor is a profession dedicated principally to helping you with Spanish Bureaucracy. It is a concept that many foreigners new to Spain have trouble understanding… More →

As a business owner in Andalucia you will periodically need the services of an auditor. These professional accountants study your company’s accounts and finances in order to certify that your… More →

You may not need the services of an accountant when you first arrive in Spain but when it comes to completing your annual income tax return you might consider employing one. Accounting… More →

Banking

Looking for financial information dealing with Andalucia? Doing business in Andalucia can be a little intimidating, especially if you are new to the region or… More →

To register a complaint against a bank or other financial entity in Spain, the process is as follows. The first thing you must do is to register a written complaint with the customer service… More →

The word "pagaré" in Spanish means literally "I will pay".

To understand a pagaré it is important to know that Spanish cheques are payable… More →

All Spanish banks provide loans and overdrafts and are quite happy to do so for foreign residents, particularly if they are homeowners. It pays to shop around for a loan as interest rates vary… More →

A "letra" is a rather curious document that allows you to write cheques - even substantially large ones - without having an account at any bank. It is similar to a "money order", but requires a… More →

You can open a bank account whether you are a resident or non-resident. It's best to open a Spanish bank account in person, rather than by correspondence from abroad… More →

As an expatriate or tourist you may have brought credit cards with you to Spain and found that you were able to use these cards to withdraw money from Spanish cash… More →

All banks offer customers a combined cash and debit card which are widely used and accepted throughout Spain. Purchases and cash withdrawals are automatically debited… More →

Banks traditionally offer the least risk to an investor, but are often not competitive when compared to other major lending institutions, such as building societies. This is due to the fact that… More →

Spanish Banks usually provide a much more personal service than their European Counterparts. Staff changes are not so frequent and it is advantageous to establish a… More →

Living in Andalucia