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Questions tagged [european-union]

for questions that relate to the laws, practices, and products of the European Union (EU).

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95 views

How to buy gold in small portions in Europe? [on hold]

In a couple of years, my child will go to college. I want to save up some money for that time. I need to store that money in something that will preserve some value even after 5-10 years. Therefore I ...
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1answer
46 views

Is there reporting for commodities and forex trades?

I was wondering why stock trades are required to be reported to the exchange or trade reporting facility, but why other asset types like commodities, forex etc. don't have to be reported? I couldn't ...
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1answer
97 views

What are the best investments to increase wealth long-term in France?

TL;DR: Are PEE (company savings), PEA (stocks) and renting the best options in France long-term? I am single, 26, living rent-free and wondering how I should proceed to ensure my financial stability ...
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1answer
243 views

With constant travel, is it possible to not have a tax residence?

We're in the EU (EU passports) and planning on spending the next couple years traveling. Income is coming through a company I have set in a country I was never a resident of. The only taxes I'm ...
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3answers
288 views

Opening account for family in my name

Sibling of mine asked me to open an bank account for her in my name. She wants to fill it with her savings and use it on day-to-day basis with a debit card. I have a strong feeling this could ...
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1answer
121 views

Can one transit a friend's money through one's account cause any issue (e.g., triggering some tax event)?

For convenience and/or avoiding some banking fees, one may want to transit a friend's money through one's account. E.g. Alice's bank account in France -> Bob's bank account in France -> Bob's bank ...
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3answers
93 views

European citizen investing in MSCI USA index ETF: to hedge or not to hedge?

Located in Europe, I am thinking about a long-term (~20 yrs) investment into an ETF that follows MSCI USA Index. I am stuck: should I pick an euro hedged fund or a normal one. My salary is in Euros, ...
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2answers
131 views

Filing a tax return due to US bank interest for non-US persons

Does the mere ownership of a US bank account that earns some interest require a non US person (say, based in Europe, EU in particular) to file a US tax return? Are there any other reporting ...
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3answers
2k views

I still have my German bank account, but I'm not residing within the EU anymore. Can I use it to receive EU income?

I lived in Germany for 2 years (up until earlier this year) and used my Comdirect bank account to receive my salary while I was working there. Fast-forward and I leave my job and return to my home ...
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1answer
50 views

On what amount am I supposed to pay VAT for sales?

My question comes after reading this article about Amazon paying just £15 million in tax for European revenues of over £9 billion. Here, I am confused about when businesses pay VAT (VALUE ADDED TAX). ...
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1answer
64 views

Paying VAT in foreign counties

I'm planning to sell (my own) software (yearly license actually) online, worldwide, from my Europe based company, business to business only. I'm really not into any financial topics but reading about ...
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0answers
79 views

How does my current insurance work?

Sorry for the vague title, in case location matters this is done in Europe, Austria. And all of this was handled by the same agent. I will first write down what this is about and then ask the ...
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1answer
126 views

Is UK part of my EU state pension lost after brexit?

I worked for a few years in a few EU28 countries. According to the principle of aggregation of periods each country will contribute to my pension. I am only 27 and it doesn't seem likely that I am ...
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1answer
133 views

How can an EU citizen best hedge NASDAQ?

Background: I have a NASDAQ-heavy portfolio, and wanted to use the SQQQ ETF (Short leveraged Nasdaq-100 ETF) as a way to hedge on days when I expect the whole index to go down (one sub-question here ...
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2answers
90 views

IBAN money transfer, safe transaction

Is there any way to guarantee that an international european bank money transfer transaction (between private sellers) is safe? I mean, I will pay for a product, how do I guarantee that it arrives in ...
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1answer
240 views

EU Merchant asking credit card details on paper form, violation of GDPR?

An EU Merchant (based in Germany) is asking me to fill up a form with credit card details in it (card number, CVV, expiry date), then print it, sign it, scan it and then send them the scanned copy. If ...
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1answer
74 views

Where do I pay taxes when payed by Finnish company as German citizen?

If I am paid by a company that is based in Finland while I am a German citizen, where do I pay taxes and to which government? If to only one, do I need to tell about it? I am a citizen of Germany. ...
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2answers
202 views

Is it possible to work in a country and pay taxes in another within the EU?

As an EU citizen and within the EU, is it possible to remotely work in one country and pay taxes in another? My particular case would be: Employed, registered and paying taxes in Ireland Living in ...
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1answer
103 views

When can a personal maestro prepaid debit card process payments without the owner entering the PIN number?

My bank gave me a debit card I can use to run small errands, especially online. I recently started using it for paying also meals and/or drinks. I noticed that sometimes it is not necessary for the ...
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0answers
37 views

Latvian Social Security Contributions on Equity based Capital Gains

Per LIAA Taxation, SSC contributions are made per gross salary of an employee by both the employee and the employer. SOCIAL SECURITY CONTRIBUTIONS (SOCIAL TAX) The employer deducts 10.5 % from ...
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0answers
71 views

Buying goods from the US in a business based in France: the business refuses to remove the VAT. Can I get the VAT reimbursed?

I live in California, USA. I plan to purchase ~500 EUR worth of goods by phone from a French business that will send me the goods by mail. I am aware that the business may choose not to charge me VAT,...
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0answers
49 views

Sending and receiving Large sums of Money via Paypal

Some one wants to make Payments totaling say €25,000 to my paypal account,since that money is Large, i am starting to wonder if the payment would go thru here, what do you advice here? Do you think ...
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0answers
57 views

Withdraw EUR from Paypal to Unverified Bank Account in Germany

I have a bank account in Germany, and I have a Paypal account with <10k EUR in it. I want to know if it is possible to withdraw everything into my bank account if it is not verified with Paypal.
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1answer
62 views

Sending Money directly via Bank Account From Paypal [closed]

How true is this ? I am a Novice to things like this. I added my Bank account (Euros) vis IBAN to paypal, now it says i can make Payments directly from my account, Please i want to know if its true ...
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1answer
138 views

Where are my US/UK equities stored?

I'm currently a resident of an EU country. I have a brokerage account open with my local bank, allowing me to buy international stocks directly on the NASDAQ/NYSE/LSE and other int'l exchanges. Am I ...
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3answers
188 views

What happens to those huge company fines?

This is something that got me wonder a while ago, where the US, or the EU for example issue a huge fine to a company or a bank (Wells Fargo just got fined 1B$!), where is that money going? I mean will ...
4
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1answer
976 views

What effect will Brexit have on EU-wide Deposit Guarantee Schemes (e.g. FSCS)?

Across the EU, the Deposit Guarantee Schemes Directive1 (DGSD) requires member states to operate at least one scheme to provide protection for deposits with regulated financial institutions within ...
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0answers
40 views

What are the laws about selling random things on ebay for EU-based private person?

I was thinking to sell some things I don't use anymore on eBay and I was wondering if I should register or tax it somehow? I'm a private EU citizen and that's where I reside, and I assume that I would ...
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3answers
147 views

Being resident (and paying taxes) in Italy, can I absolutely freely choose any online trading platform?

I would like to begin trading online but, as a total beginner, I have the most stupid doubts. Given the huge amount of brokerage platforms accessible online, I don't know how to figure out how to ...
2
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1answer
245 views

How do I improve my ability to get loans to use as leverage for my business? [duplicate]

Relating to Europe, but an US-focused answer is also welcome. Plan: I have a small stain on my credit history due to a tax issue. I am otherwise financially sound. I am not big enough for a bank to ...
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1answer
187 views

How to know which bank will keep my data safer? (Europe, single country)

I was looking at four banks in one country, which are based in France, Belgium and 2 in Austria, and I was looking for something that would make me choose one over the other... So I thought what's ...
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2answers
2k views

Will I need to worry about “structuring” with wire transfers?

I am moving a large (for me) amount of money from a US bank account to a Danish one. Both are in my name. In order to even out the risk of transient exchange-rate spikes I'm planning to do it as a ...
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2answers
183 views

Do I need to pay sales tax selling to US customers from Europe? Does selling through Google change that?

I am an EU (Belgium) based indie developer preparing for the release of my first (game) app next week. I will be offering the game through the Google Play Store. For a lot of countries/regions, Google ...
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0answers
46 views

European nomad, moving every few years. Tax residence and capital gains tax on purchase and sell of ETFs/Funds

This might be a silly question. Let's say I change jobs and country of residence-always within the European Union-every 3 years, purchasing monthly the same ETF through a local broker on each ...
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1answer
150 views

Is it possible to get a big personal loan for foreign investment?

I'm from the UK, working as a contractor for a US company, earning $30k+ annually, and I want to buy a house costing around $100k in a non-EU country. I need an investment visa to do this. A ...
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1answer
31 views

How to find a broker / market where to buy a certain stock?

I know a certain stock can have a different ticker based on the market where it's traded (Wall Street, Frankfurt, Milan,...). What I don't know is : how do I identify the market (and possibly the ...
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0answers
112 views

How to begin ethical investing? [duplicate]

So, I would like to start investing for the long-haul (10 - 15 years, expecting 4% ROI). When I looked up the top Broad European Stock Funds, I get an index that includes these holdings: Nestle SA ...
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0answers
141 views

Investing in index funds in Cyprus?

I'm currently based in Cyprus and wanted to invest euros into the world's stock markets via index funds with low expense ratios. Research thus far into retail investing options here isn't promising. ...
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2answers
83 views

In the EU, do Deposit guarantee schemes protect forex accounts?

I am mainly concerned with EU regulations, but I assume others would have some interests relating to the situation in the US. Are retail forex trading accounts like those offered by FXCM or GAIN ...
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1answer
45 views

How much time does EU to Switzerland transfer take?

How much time does it take a regular money transfer to complete, started from an EUR account from the EU to a CHF account in Switzerland? The transaction was started as a normal transaction (nothing ...
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2answers
85 views

Transfer of mutual funds

Say that I have some mutual funds invested in a (Swedish) bank, in Swedish crowns. If I move to another (EU) country, will I be able to transfer the funds without cashing them? This would imply ...
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2answers
85 views

Will the EU PSD2 directive require banks to create APIs available to their customers?

All materials I can find use the term third party providers to describe entities that will use the open APIs that banks will be required to create, and supposedly these providers will still have to ...
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0answers
15 views

VAT on Services Supplied Pre-Registration

A (natural) person supplies a service in the first three months of a year. He issues three invoices dated 3 February, 3 March and 3 April and receives payment on 10 February, 10 March and 10 April ...
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2answers
884 views

Wire transfer held by bank?

A client of my father should have received a payment via bank transfer from Belgium to Italy. It's been almost two months now but he hasn't received the money. The buyer keeps saying she sent the ...
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1answer
71 views

What is Deutsche Bank “Free Order”?

Want to transfer Canadian dollars to German DB bank in without converting to Euro. Idea is to wait with the exchange till the time when exchange rate is more favorable to Canadian dollars. I was told ...
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2answers
105 views

Why do VAT-registered businesses in the EU charge VAT to each other?

As far as I understand, if a VAT-registered company A sells goods to a VAT-registered company B within the same country, it still has to charge VAT to company B. Company B can then request a refund ...
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0answers
89 views

Which are the European countries that levy a financial transaction tax on stocks and how much?

Financial transaction tax has been talked about in the past years in Europe. There are many countries in Europe. Some agree, some disagree. I have problems following this issue. As of today, which are ...
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6answers
448 views

If I carry a lot of money from Germany to Spain, what can go wrong?

Currently I have a bank account at Deutsche Bank with approximately 30k€ I have collected working and saving money. I want to move all this money to my Spanish bank account. I have already phoned them ...
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0answers
453 views

Is this retirement plan worth the risk?

I am a 24 year old male living in an EU country, with a gross salary (before tax) of €26,000. I am very new to the world of investment and do not have any experience - at best, I could say that I ...
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0answers
242 views

Import/VAT implications of using Google Cloud services in EU

I am considering using Google Cloud services as a competitor in a Kaggle competition. To encourage new use - and likely due to recent acquisition of Kaggle by Google - the cloud service is offering an ...