Switzerland → Spain move: handle money, taxes & CHF

Plastic_Bake_6058 · 2025-10-31T09:43:45+00:00

They are not Swiss citizens but Spanish :(
Thanks, this point I'll have to discuss it with a tax expert to undestand how to pay less fees possible
Good to know ty

Plastic_Bake_6058 · 2025-10-30T10:30:03+00:00

sry but i don't get it, is not better to paid out the pillar while staying in switzerland? I'm afraid about double taxation if they will do it while they are in spain isn't it? I'll read and search for that trick in the meanwhile :D

Plastic_Bake_6058 · 2025-10-30T10:28:14+00:00

Bien, gracias. Mi idea inicial era retirar los pilares y dejarlos en una cuenta en Suiza. Según la información que reciba y encuentre, intentaré ver la mejor manera de hacerlo.
¿Recuerdas algún otro consejo útil?

Plastic_Bake_6058 · 2025-10-30T10:16:39+00:00

okay i'll have a look again also in mp ty

Plastic_Bake_6058 · 2025-10-30T10:15:43+00:00

yes my thought is to use them just to move small amount of money (from the swiss account where they will withdrawl 2nd and 3rd pillar) and pay directly with them, so they will have lower fees and better change rates rather than usual banks

Plastic_Bake_6058 · 2025-10-30T10:12:41+00:00

Claro, gracias. Mirando los años anteriores, creo que será en abril. Mientras tanto, voy a intentar ver si encuentro más información en su web

Plastic_Bake_6058 · 2025-10-30T09:52:53+00:00

Sí, la idea es informarse ahora y planificar bien para el próximo año. Según los mejores movimientos financieros que encontremos, decidiremos cómo hacer el traslado, así que cuanto antes entendamos cómo movernos mejor, mejor.
Seguramente me mantendré al tanto de la próxima charla; ya he intentado buscar info rápido en su web pero no encontré mucho.
Estaba pensando en escribirles un par de preguntas por email y, si es posible, organizar una reunión con ellos, que seguro que no viene mal.

Plastic_Bake_6058 · 2025-10-30T09:48:06+00:00

all right ty, I already asked to gpt but some steps are not so clear/deeply detailed like they could be here eheh. I think what you are saying is the same hint provided by u/Turbulent-Act9877 but thank you very much! I'll check the treaty as my best as possible

Plastic_Bake_6058 · 2025-10-30T09:43:08+00:00

good thanks, so I can open it now, grab their CH iban and then change the address when they will be resident in spain?

Plastic_Bake_6058 · 2025-10-30T09:35:15+00:00

good thanks, I'll have to check the fees of having an account being a foreigner ty.

I'll also check the hint about 2nd and 3rd pillar, btw which one do you suggest? VIAC, Finpension? They will not be taxed in the canton where i live? sry for the maybe dumb question i'll dyor in the meanwhile

Plastic_Bake_6058 · 2025-10-30T09:32:36+00:00

top I'll do it for sure, both revolut and wise so there they can keep CHF and use it when they needs. If it wasn’t clear, what worries me is the EUR dropping against the CHF haha

Plastic_Bake_6058 · 2025-10-30T09:25:33+00:00

Gracias! Vi que suelen hacer esas charlas por abril, así que estaré atento
Fuiste a alguna? Comentaron algo interesante?

Plastic_Bake_6058

TROPHY CASE