Once you settle in Catalunya, you will want to open a bank account here. As a matter of fact, you’ll need one when you buy or rent a house i.e.
You can easily open a bank account at any bank of your choice; you’ll need your passport, residence permit and a copy of the registrationrecord at your local council.
We have experience with multiple banks in Spain, and thus we can advice you on your final choice. You can choose for a regular bank or a savings bank.
If you look for an ethical bank, Triodos Bank is represented in Catalunya; it has offices in Girona as well as in Barcelona.
Eventually you will have to deal with Hacienda (Tax office), for the taxes you will have to pay. As an individual or/and company you will have to fill out the yearly tax return, as a company you also have to declare the IVA (VAT).
Your registration number as a foreigner with residence permit serves also for your tax return, for the VAT you will have to apply to Hacienda to get your VAT number. This is usually the same number with ES added. For a company like a Ltd. you will get a special number, called CIF.
To be able to declare anything to Hacienda you will need to do a bookkeeping. There is simple sofware on the market that can help you do that. The bigger your business the more advanced software you will need.
We can advice you which are the most reliable systems.
There is also various options to file your tax return: This might be a simple administration office (gestoria) or an accountant or fiscal advisor.
On the contrary from what is common in i.e. the Netherlands you can not make these persons or companies responsable for any errors. You will always be responsable from the point of view of the tax office.
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