Serbian Bank account

K

Kouklakos

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May 4, 2020
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Hello people

i am interested to open a bank account in Serbia,

after my research it looks like that Serbian banks aren't obliged to report to CRS.

i found a law office in Belgrade that is able to open the account for me remotely for around 800 euro.

He suggested the following banks:
Raiffeisen(German)

intesa(Italian)

komercijalna(Serbian)

They can also provide E banking,i can use the card online for purchases and withdaw money from an atm,but i cant make bank transfers(i need to go in serbia directly to the bank)

does any one of you have some experience ?
 
Is there anyone with insider information about how to setip a bank account in Serbia? I have read a lot about Armenia and Georgia on this forum but not that much about Serbia yet??

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@Kouklakos : not wise to ATM in your home country, not wise to online shopping with your national local webstore.
Unless you live next door to Serbia, not good to go physcaly at your local branch for transfers !
(I had same problem in another 3tier country)

Serbia is commited to CRS, but not yet any date / year to reprot (1 to 3 years time ӢӢӢӢ never ӢӢӢӢ who knows ?)
Aplly exclusively with 100% Serbian Bank.
Local EU banks in Serbia (or Montenegro) are loaded with same softwares from their original EU State.
Nobody can garanty if softwares report CRS or not (by default, uncomplete, mistaken).
Just walk away from Intesa, Raiffeisen and others EU banks or anyother from countries reporting CRS even if they are the one providing the Best Services.

Serbia is kind of "black listed" within WW banking system. Sometimes you can face problems for out going wires/transfers to other WW banks.
Transaction can be blocked at final destination.


@blueweb : show up in any local branch in Belgrade with you passport (few bills in case they ask, but not always). Some may say yes, if say no go to another local branch in town or another bank. Some clerks don't speak very well english. Some internet banking are "old fashion or complicate with hardware token", some up to date. Debit Card will be available at you local branch for pick up within 3 days or so (most don't send). Local banks never send paper statement or letter your home adress.
I have not tip for remote opening.
 
Hello ikan

Thanks for detailed explanation

I am a EU citizen but I live in another country in eu that I am the tax resident.

So if understand well you tell me to avoid to withdraw money from an ATM In the country I am a tax resident and also don't make any online purchases from stores located in the country I am considered as a tax resident.

It would be useful if you or other forum members provide some tips on how to use an offshore account in Europe,like do and don'ts as I haven't find this info in the forum.
 
I'm not expert :
let's say better never use the "new off / on shore debit card" in your home country, especially if you left not long ago for tax reasons.
Defenetly never ATM in that second EU state tax residency + under certain condtions you can do online shopping if payment process is done in another 3rd EU state or foreign country.

You shall be at low risk if you ATM or online purchase in another 3rd EU state. And no risk in foreign countries.

Basically : Tax Man of your tax residency, or native home country can access all Datas / payments and ATM Master Card - Visa Card done under your name. Too Bad.

Lol - joking : better not using any debit card, because tax man can find all about you ..... where, when, how, what you do with Debit Cards ...... And more => from which Bank is linked to .......

More seriously : possibly insert your request within Mentor Group you suscribed ? Some experts know all.
 
hello Ikan,

thanks a lot for info i allready asked in the topic and also i am going to create a new post in mentor,i think it will be useful
 
ikan said:
ikan said:
Basically : Tax Man of your tax residency, or native home country can access all Datas / payments and ATM Master Card - Visa Card done under your name. Too Bad.

Lol - joking : better not using any debit card, because tax man can find all about you ..... where, when, how, what you do with Debit Cards ...... And more => from which Bank is linked to .......
Click to expand...
Click to expand...
From where did you get this information?
How should the tax man obtain this information (payments / ATM withdrawals)?
 
Kouklakos said:
Kouklakos said:
what is your experience?
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Click to expand...

Honestly I do not have any experience with that.
But I cannot imagine, how the tax man might supervise that amount of data.
Additionally there are nameless credit/debit cards available. The name is not printed on the card neither stored in the chip.

What will happen if two people are named Marie Manila? How will the tax man understand to whom that card belongs.
 
Marie Manila said:
Marie Manila said:
Honestly I do not have any experience with that.
But I cannot imagine, how the tax man might supervise that amount of data.
Additionally there are nameless credit/debit cards available. The name is not printed on the card neither stored in the chip.

What will happen if two people are named Marie Manila? How will the tax man understand to whom that card belongs.
Click to expand...
Click to expand...
I agree with Marie. I cannot see how national authorities have the right or capability to trawl through ATM or credit card transactions. There are just too many going on! Even they see something "suspicious", how do they now it is a resident of their country? Could be a tourist from Serbia.
 
Well the question is what is reported with the ATM transaction,is it the card number the account holder name or both? And also depends on what we specify as a safe amount to withdraw
 
@ Marie Manilla : older topics available to give you more warnings.
We all know some guys got screwed up by tax authority using Credit/Debit Card (grey / black uses).
In past decade cases almost all EU states with titles in news papers.

In case tax man in US - EU - AU and others is deeply studying your case. In process to search and discover more insights about you.
He can access Visa & Master Cards datas OF YOUR Tax Residence Country => and learn a lot.

Your Debit Card is linked to a bank account within a bank located in one Juridiction => this is recorded by VISA and MC.

Marie Manila said:
Marie Manila said:
What will happen if two people are named Marie Manila? How will the tax man understand to whom that card belongs.
Click to expand...
Click to expand...

Tax man use softwares to extract and cross the good or bad datas.

Since couple of years 2 or 3 EU states develloped with data engenieers new working "Algorythms" to criss cross all datas in 1 go.
Those Algorythms are Crime (in my point of vue). They really sucks and provide automatic Red Flag new cases to Tax Man.

Marie Manila said:
Marie Manila said:
Additionally there are nameless credit/debit cards available. The name is not printed on the card neither stored in the chip.
Click to expand...
Click to expand...

I have nameless debit card. Or named debit card from "on /offshore" EMI or card provider (no bank). I did simple basic KYC with them.
Tax man can request to any Card providers to disclose all detailed activites affiliated to your name. Many or some will comply easily !
Personnaly I don't feel anymore safe with one of my "Nameless Card". Too much at risk "in case of"....

-------------

I would like to learn more about these concerns form the Expert around here.
I'll be happy if Experts write : I'm wrong

-----------
Last : if you are NL tax resident and use you grey - black card exclusively in Germany for ATM or online purchase => you put 1 Layer of privacy in the datas systems in beteween 2 countries.
 
Kouklakos said:
Kouklakos said:
Well the question is what is reported with the ATM transaction,is it the card number the account holder name or both? And also depends on what we specify as a safe amount to withdraw
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Click to expand...

ATM don't report spontaneously. ATM process and sotre the datas/transaction.
Visa and MC are the Master Owners of thoses Billions transaction/datas.
Those datas are usually stored by EU state or overall US (all states toghether)
The datas are stored for years.
No minimum safe amount to withdraw : cause each time you provide : where, when, how much + your name, surname + card n° + bank account + bank + juridiction.
One single ATM in your tax residence home country using your Serbian account/card can bring worries some 2 years later.

----------------
@Kouklakos : warning => read carrefully : Serbia is on top list to become EU State. No yet any D Date.
If I were you : I will use my new serbian account for 1 or 2 years transit time and no more. I organise soon Plan B for Second account in another Juridiction.
In any case I will close my Serbian account 1 year (or december) before Serbia become EU State.
Here you are : precaution - anticipation
 
ikan said:
ikan said:
I have nameless debit card. Or named debit card from "on /offshore" EMI or card provider (no bank). I did simple basic KYC with them.
Tax man can request to any Card providers to disclose all detailed activites affiliated to your name. Many or some will comply easily !
Personnaly I don't feel anymore safe with one of my "Nameless Card". Too much at risk "in case of"....
Click to expand...
Click to expand...

Could you share where you got the nameless card ?
Thank you
 
ivan1911 said:
ivan1911 said:
Could you share where you got the nameless card ?
Thank you
Click to expand...
Click to expand...
I would be interested in knowing this too?

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Sorry guys : I'm also looking like you for nameless card.
Impossible to find any relevant informations on this forum !
if by any chance, anybody can tip me ?

ӢӢӢӢӢӢ I'm in real need of nameless card ! ӢӢӢӢӢӢӢ

The nameless card I use is exclusively available within 1 EU state for their national or tax residents.
It works perfectly well with quite good customer service. Limited amounts with max 10ke balance.

Not sure if this card is much helpfull for the Community here ?

If Admin want : I can name the service and web link (no english - foreign language) ?
 
Well, I own several nameless cards.
Revolut sell nameless VISA in UK and Austria.

Recently I got a nameless UnionPay card from the Philippines. Issuer is Omnipay.

As far as I know, you can also buy nameless cards from the Maltese "Novumgroupbank" in Germany.
I am not sure, if you need to be a resident of Germany or EEA. Never tried it. Just saw it once on a holiday.

Long time ago ANXPRO issued me a nameless Mastercard in Hongkong. Not sure, if they continue doing that.

Polish bank "mbank" gave out nameless cards (VISA) without KYC and with Polish IBAN. Not sure nowadays.

Except mbank all solutions need KYC. So the cards are not anonymous! They are only nameless!
 
I would advise anyone to take care if they are using this service mentioned in the last few posts, it has not been updated since 2018!

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Disclaimer: Nothing I say should be taken as tax, legal or financial advice. Anything I say is for general informational purposes only. Always seek independent professional advice.​
 
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