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Bank Charges for Non Residents

Posted: Tue Mar 24, 2020 9:39pm
7 replies185 views4 members subscribed
TQRoll

Posts: 5

Location: Playa Flamenca

Joined: 4 Jun 2017

We are non residents and have recently changed our bank account. We have had 2 deductions of £30.50 taken from account (ref -man.ct.ap.n-res). I have queried this with the bank and have been told it is a non resident tax for the police because we have a non-resident bank account in Spain and it is payable every 2 years. We did not pay this with our previous bank.

Has anyone had similar charges or can provide further information

Mary1961

Posted: Tue Mar 24, 2020 11:51pm

Posts: 196

33 helpful points

Location: Villamartin

Joined: 2 Jan 2017

Posted: Tue Mar 24, 2020 11:51pm

Who do you bank with?

jimtaylor

Posted: Wed Mar 25, 2020 4:16am

jimtaylor

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Posted: Wed Mar 25, 2020 4:16am

It's not non-resident tax - you handle those tax returns yourself every year.

The charge is for the bank obtaining for you the necessary certificates of non-residence, which they have to do if you don't do it yourself.

Have a look at the first section of:

Jim's Guide - Residency and non-residency certificates


TQRoll

Posted: Wed Mar 25, 2020 12:12pm

TQRoll

Original Poster

Posts: 5

Location: Playa Flamenca

Joined: 4 Jun 2017

Posted: Wed Mar 25, 2020 12:12pm

jimtaylor wrote on Wed Mar 25, 2020 4:16am:

It's not non-resident tax - you handle those tax returns yourself every year.

The charge is for the bank obtaining for you the necessary certificates of non-residence, which they have to do if you don't do it yourself.

Have a look at the first section of:

Jim's Guide - Residency and non-residency certificates


Thanks Jim, I can see now why we have received this charge.  However I have been doing a bit of investigation and came across thread on another forum which states that the ECJ have ruled that all EU citizens have to be treated equally. Hence the ruling on Capital Gains Tax, Income Tax etc should be the same for both resident & non residents in Spain. The principle therefore is that we should not pay extra for being non-resident. The person who posted this says he stated this and got his charges fefunded.

Just wondered with your massive knowledge on all things Sanish if you have come across this

jimtaylor

Posted: Wed Mar 25, 2020 12:33pm

jimtaylor

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Posted: Wed Mar 25, 2020 12:33pm

Flattery will get you nowhere, but it's a good question, and I can only offer an opinion rather than fact.

Banks do an annual report to the tax office, and one of the things they have to report is whether or not an account holder is resident.

It's easy for banks to identify a resident, as all they need to do, even if a customer hasn't shown them a residency certificate, is to look at all the regular transactions on the account. In addition, they can look for the once or twice yearly resident tax payments. It's a long time since we did it, but anyone changing from an expensive non-resident account to a less expensive resident account may have to provide proof of residency.

It's not as easy to identify a non-resident, so banks have to obtain proof of this from the tax office.

If you challenged a bank, I think they'd say that the tax office charge the same for a non-residency certificate as they do for a residency certificate, so it's a level playing field.

Mary1961

Posted: Wed Mar 25, 2020 1:20pm

Posts: 196

33 helpful points

Location: Villamartin

Joined: 2 Jan 2017

Posted: Wed Mar 25, 2020 1:20pm

jimtaylor wrote on Wed Mar 25, 2020 12:33pm:

Flattery will get you nowhere, but it's a good question, and I can only offer an opinion rather than fact.

Banks do an annual report to the tax office, and one of the things they have to report is whether or not an account holder is resident.

It's easy for banks to identify a resident, as all they need to do, even if a customer hasn't shown them a residency certificate, is to look at all the regular transactions on the account. In addition, they can look for the once or twice yearly resident tax payments. It's a long time since we did it, but anyone changing from an expensive non-resident account to a less expensive resident account may have to provide proof of residency.

It's not as easy to identify a non-resident, so banks have to obtain proof of this from the tax office.

If you challenged a bank, I think they'd say that the tax office charge the same for a non-residency certificate as they do for a residency certificate, so it's a level playing field.

We have had a non residency bank account for three years now, paid our non residence tax thru the same bank, we have never had an addition charge taken by the bank as the original poster has stated.

Could it be that the bank recognise the return has already been done?

jimtaylor

Posted: Wed Mar 25, 2020 1:33pm

jimtaylor

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Posted: Wed Mar 25, 2020 1:33pm

Mary1961 wrote on Wed Mar 25, 2020 1:20pm:

We have had a non residency bank account for three years now, paid our non residence tax thru the same bank, we have never had an addition charge taken by the bank as the original poster has stated.

Could it be that the bank recognise the return has already been done?

I'd guess so, Mary. 

If they are aware of your tax return then they've no need to obtain a non-residency certificate.

It's a good point, though - anyone else paying non-resident tax from their Spanish bank and still being charged for a non-residency certificate?

RayD

Posted: Wed Mar 25, 2020 2:42pm

RayD

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Posted: Wed Mar 25, 2020 2:42pm

TQRoll wrote on Wed Mar 25, 2020 12:12pm:

Thanks Jim, I can see now why we have received this charge.  However I have been doing a bit of investigation and came across thread on another forum which states that the ECJ have ruled that all EU citizens have to be treated equally. Hence the ruling on Capital Gains Tax, Income Tax etc sh...

...ould be the same for both resident & non residents in Spain. The principle therefore is that we should not pay extra for being non-resident. The person who posted this says he stated this and got his charges fefunded.

Just wondered with your massive knowledge on all things Sanish if you have come across this

If that were true, then any EU citizen going to the UK would have equal rights for receiving benefits and not have to wait for a qualifying period. They would also be able to open a UK bank account without having a UK address.

It would be more useful to publish a link to an official source of information, rather than quoting an anonymous contributor to a web forum.

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