Finance - Home

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.

Accountants

Auditors
Valuable to those running a business and also for completing complex income tax returns.
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An audit is more than a legal requirement it is also a useful took for business owners and managers.
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Business Opportunities Cash & Debit Cards
Many people turn to self-employment or starting a business to make a living, although this path is strewn with pitfalls for the unwary.
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All banks offer customers a combined cash and debit card which are widely used and accepted throughout Spain.
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Consumer Association

Corporate Events

Spain has a widely respected financial consumer's association called AUSBANC.
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There are numerous purpose built conference centres and exhibition centres in Andalucia.
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Credit Cards

Debt Consolidation

Information on using Spanish and international credit cards in Spain.
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Debt consolidation is often a possible solution for people who find themselves overwhelmed with loan payments that come with a whole range of interest rates and commissions.
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Economy

Financial Planning
There are numerous purpose built conference centres and exhibition centres in Andalucia.
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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.
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Gibraltar Finance

Investing in Spain
Gibraltar's economy revolves primarily around shipping, tourism, finance, offshore betting and telecommunications, including Internet.
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There is a multitude of opportunities to invest in Spain.
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Jobs

Law
Seeking employment in Spain is not easy, particularly outside the major cities where unemployment is high.
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If you are buying property in Spain, investing, starting a business or making a will, you should employ the services of a lawyer.
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Letras

Mortgages
A "letra" is a rather curious document that allows you to write cheques.
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Local, national and international banks offer mortgages throughout Andalucia to both Spanish citizens and expatriates from countries around the world.
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Notary Offshore Finance
There are many transactions, such as the purchase of land, that the law requires that they be witnessed by a Notary.
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Offshore investing is a highly attractive option for expatriate residents in Andalucia.
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Offshore Investing

Pagarés

Offshore investment is a particular attraction in Andalucia due to its proximity to Gibraltar.
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The word "pagaré" in Spanish means literally "I will pay".
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Professional Advisors

Registering Complaints

There are various legal and professional advisors in Spain that you may need if you purchase property or decide to become a resident.
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The process by which one registers a financial complaint in Andalucía.
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Spanish Banks

Standing Orders

An overview plus information on services such as, accounts, credit cards, transfers, charges.
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Standing orders - or an official arrangement whereby your bank automatically pays a given bill each month - are an important form of payment in Spain.
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Trade Fairs

Tax Planning

A list of some of the more important trade fairs that take place each year in Andalucia.
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Offshore trusts and companies have in the past been used to structure individuals in a tax-efficient way or for inheritance reasons.
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