Questions tagged [european-union]

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

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3answers
160 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
247 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 ...
1
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1answer
191 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 ...
6
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2answers
3k 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 ...
2
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2answers
219 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 ...
1
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0answers
48 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 ...
3
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1answer
165 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 ...
0
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1answer
36 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 ...
2
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0answers
120 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 ...
2
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0answers
192 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. ...
3
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2answers
88 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 ...
0
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1answer
55 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 ...
2
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2answers
93 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 ...
3
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2answers
99 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 ...
1
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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 ...
0
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2answers
1k 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 ...
0
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1answer
72 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 ...
0
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2answers
115 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 ...
0
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0answers
93 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 ...
6
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6answers
493 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 ...
1
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0answers
664 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 ...
1
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0answers
249 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 ...
2
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0answers
71 views

How can I open a bank account in Spain with an EU (Hungarian) passport

I am an EU citizen (Hungarian) and would like to open a bank account in Spain. Question: Is it enough to show my EU passport or do they require anything else? Do I need to show proof of a spanish ...
8
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4answers
2k views

How do I invest in an index with a small initial investment (E.U. question)

I just started earning a comfortable surplus for the cost of living of Poland. I have around 700 Euros every month of this surplus and I read that investing in index tracking funds has the higher ...
6
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1answer
665 views

Can a Croatian citizen start a company in Ireland, to reduce income taxes?

I'm a software developer freelancer with Croatian citizenship, and I need to start a company in order to pay income tax. It's my understanding that my home country will incur 20-40% tax based on my ...
2
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2answers
338 views

It is usual practice for the most relevant part of online banking services (making payments) to only be available during working hours of a bank?

Where I live (Central Europe) it doesn't seem to be possible to make a transaction between two bank accounts of two different banks that is outside their office hours. This also applies to online ...
3
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3answers
927 views

Can I force companies to accept a SEPA bank account?

Let me start with a quote from the SEPA website: Only one bank account needed for the whole euro area: SEPA will make things much easier if you are working or studying abroad in another euro ...
2
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1answer
529 views

Can my bank still require a BIC code for credit transfers within the SEPA zone?

As far as I know the "IBAN Only rule" which was recently adopted states that for credit transfers within the SEPA zone, an IBAN is sufficient to identify an account and the BIC is no longer required. ...
1
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4answers
3k views

How to know which companies enter the stock market? [closed]

I am curious to know which companies are entering the stock exchanges. Is there any list at the exchanges which companies are new listed or are announced to join the stock market in the near future?
1
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1answer
150 views

European citizen, UK company

I am European citizen(Slovenia),and I would like to start selling digital products (mostly to US costumers) via UK LLP or ltd. LLP seems interesting because, if I understand correctly there would be ...
2
votes
3answers
762 views

Money transfer from Turkey to Europe

I have a somewhat large sum of money sitting in a bank account in Turkey that comes from selling real estate and I would like to transfer that money to Europe in the most optimal way. Everything is ...
4
votes
2answers
3k views

Withdraw USD from PayPal without conversion to my home currency of EUR?

Is there a possibility to withdraw USD from Paypal to my EU country (our currency is EUR) without converting from USD to EUR on Paypal's side (because of Paypal's high conversion fee)? I have USD ...
1
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0answers
84 views

Steuer klasse change when my wife working in other country in EU

Does somebody know how I can change my "Steuerklasse" from 1 to 3 in case my wife works in another country in EU ( Bulgaria). Our daughter leaves also in Bulgaria. She works for a French international ...
18
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4answers
3k views

Dispute credit card transaction with merchant or credit card company?

I have US credit card that does not have PIN code. I tried to pay with it in Europe. Since merchant's PoS terminal could not accept signature and my card does not have PIN code they thought that ...
1
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4answers
72 views

Does it make sense to contribute extra payments to European state pension funds, considering the projected birth rates?

The average total fertility rate in Europe is below 2.0, which means that with each passing year the workers-to-retirees ratio will keep decreasing. From my understanding this makes it likely that ...
0
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1answer
47 views

VAT in UK, case of cultural industry and overseas invoices [closed]

What are (in short) legal obligations to declare and pay VAT for companies in UK (monthly, quarterly paiements/declarations...)? Is the cultural industry a special case (selling concerts, charging ...
0
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2answers
1k views

Sending money to a person with no ID proof

I'm trying to send money overseas to a friend in need who is overly concerned about their privacy and who had their wallet with ID stolen. The friend is a resident of the EU. What options exist in ...
23
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5answers
9k views

The price dropped on an item I purchased 8 days ago. What can I do?

I bought a PC for € 2199 (about $2500 USD) 8 days ago. Today I saw that the same store where I purchased it sells the same product for € 130 less. Unfortunately, I can't just bring it back* and re-buy ...
5
votes
1answer
703 views

Should I sell stock in my US bank account before abandoning US tax resident status?

I am citizen from one of the EU countries who has been living in the US on H1B visa for few years. Now I am considering to move back to my home country in EU. I have some shares in my US bank account ...
1
vote
3answers
956 views

Exchanging GBP to EUR [closed]

I am 21, live in UK, and have an unwanted property in Spain which I am paying a mortgage on. Sadly I cannot sell the property. Roughly every year I exchange into Euros over £10,000 for the mortgage, ...
6
votes
5answers
2k views

I need a car for 2 years. Buy or lease (or something else)?

My current situation: I live in UK I'll be soon moving to Europe I'll be back in UK in approx. 2 years I don't own a car at the moment When in Europe, I'll be needing a car. However, I'm not sure if ...
4
votes
1answer
129 views

National deposit guarantee schemes

I am just checking this FinTech startup called Raisin (previously SavingGlobal) where they advertise that you can make deposits on banks across Europe. They say, that each deposit is 100% covered by ...
1
vote
1answer
239 views

Are UK banks supposed to be compliant with the 1st February 2016 SEPA BIC deadline?

I can't find a more authoritative quote, but Wikipedia says this about BIC: After these dates [1st February 2016] the IBAN will be sufficient to identify an account for home and foreign financial ...
8
votes
1answer
384 views

How is road warrior's income taxed?

One UK tech company is offering me to work for them (ie. be on their UK payroll). I am citizen of Estonia. Since, in this job I will travel every 3 or so months between different countries (as in ...
8
votes
2answers
12k views

What to do if asked to insert a 4-digits security code?

I own a MasterCard credit card. It has a 3-digit CVV code written on it, and I've always used it to make purchases. Now I'm in Ireland and everyone here wants me to insert a 4-digit code. The problem ...
0
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2answers
388 views

Why is google play charging money for books in public domain [closed]

Let's take "Mark Twain - Adventures of Huckleberry Finn" as example. You can find it for sale on google play: https://play.google.com/store/books/details/Mark_Twain_Adventures_of_Huckleberry_Finn?id=...
3
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2answers
678 views

Should I contribute to a 401k if I plan on moving abroad?

I am currently in my mid-twenties and have a long way to go before retirement. However I would like to move to Europe (EU-member countries only) in the not too distant future. I plan on staying there ...
0
votes
1answer
152 views

US payroll / tax question for non US citizen/GC holder living abroad

History: i am an Australian & British dual citizen currently living in the US (NYC) I am have a G4 spousal visa with employment authorization [but could easily get a E3 if required]. I am ...
5
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2answers
200 views

Taxes for citizen of EU country #1 living in EU country #2 and working from home for non-EU country #3?

I'm an Italian citizen, looking to move to Czech Republic; I'm going to work from home for a Turkish company. Who do I pay taxes to, and what kind of taxes? Also, when do I start reporting what I ...
1
vote
1answer
907 views

Where can I get AEX historical data - Amsterdam? [closed]

Where can I get historical pricing data on the AEX index, specifically the AEX index options, the weekly and daily series. I have a lot of infrastructure, such as ThinkorSwim, for US products but not ...