Costa del Sol Financial & Legal

Understanding the terminology in the bank, on your chequebook or bank statement and when using the ATM: a useful glossary of Spanish banking words and phrases.

Retail banking in Spain: information on where and how to open a personal bank account, how to fill in a Spanish check, understanding a bank statement, using cash and debit cards and other useful facts about managing your money in Spain.

Information on the taxes due in the event of a gain on the sale of a property in Spain: the rates that will apply, as well as information on circumstance for reliefs or allowances. This information is relevant for both Spanish residents and non-residents

Information on the Empadronamiento, what it is, how to register at the Ayuntamiento and the documentation required, as well as information on renewing the document and what to do if you move.

Real-time currency conversion between the world's currencies - here at AngloINFO.

This is the place to ask questions and share information on banking, tax, mortgages, insurance and other matters relating to law and money.

A guide to how the money markets works with information on various currency transfer options available if you need to exchange US Dollars, Pound Sterling, or any other currency for Euros - whether in a single transfer or on a regular basis.

Official Spanish bodies have issued warnings about illegal, fly-by-night operators. They warn that if an investment opportunity seems too good to be true, it probably is. Here is information on what and how to check to avoid being a victim of fraud.

Information on the various taxes that residents and non-residents may have to pay in Spain. These include car tax, VAT, property taxes, stamp duty, capital gains and inheritance and gift tax.

Jargon guide to the various terms used in currency conversion market; the meaning of terms such as: Stop loss order, Rollover, Floating exchange rate. If you don't understand your bank or broker, perhaps the answer is here.

Information on buildings and contents insurance for a house or second, holiday home in Spain: the legal obligations of a homeowner, and what options of cover they may expect for their property.

Information which answers the questions: Who is considered liable - residents, non-residents - for income tax in Spain? When and where should income tax be paid? What are the penalties for non-payment? What Spanish tax allowances and credits are there?

Information on inheritance tax (ISD) in Spain: what it is, when it's payable, which heirs must pay, whether nationality is taken into account, how to calculate what's due and how to defer payment.

Information on the types of life insurance available in Spain and how the policies protect the insured, either for a fixed period of protection of for the whole of their life. Also information for beneficiaries on making a claim.

What to do and where to call if your credit cards or telephones are lost or stolen on the Costa del Sol, Spain.

Understanding QROPS and how this might be relevant to UK pension policyholders who have settled, or intend to settle, in Spain.

Certain taxes, including the Plusvalia, must be paid after a property purchase transaction takes place in Spain. In addition to these, there are annual local taxes due on a property which must be paid by the owner.

An introduction to pension entitlement for foreigners living in Spain. Information on who has the right to claim a Spanish pension, how the rules differ for foreigners from various EU and compliant countries, claiming and how pensions are calculated.

Information on changes to the Spanish tax system in 2007: the new Income Tax Act and the Tax Fraud Prevention Act of 2007 and the impact they have on non-resident foreigners looking to buy property in Spain.

An overview of the pensions and taxation in Spain, and the role of the supplementary pension for both retirees to Spain and those who have retired from 15 years or more employment in Spain.

Information on the new tax regime for inbound employees posted to Spain: who is eligible and what the features and benefits of this regime are to the employee.

Since 2008, wealth tax no longer applies in Spain; find up-to-date information on the current status of Spanish wealth tax.

Key information to understand the various types of Spanish will available, and how to go about making one. Also an overview of the inheritance implications for a foreigner and their family resident in Spain.

Information about wills for UK citizens in Spain: whether a British will is valid or if a Spanish will is necessary; how the estate and will is handled by the notary, gestor or lawyer after death; and when the Escritura of Partition can be drawn up.