Best way or service for receive debit card from EU bank

[Mimimel]

I left Europe (Malta) to go to America and next year I will have some problems to renew my EU cards (bunq, curve etc...). I have checked and all my banks only accept addresses or residence in the EU.

I'm looking for the best way to have an EU address to receive my cards and send them back to me.

I know from experience that most people use their family and use their address but I find that it is not necessarily the best.

 

[HoneyBoo]

Wise offers multi-currency card.
Paysera offers EUR cards, unsure if they offer outside the EU delivery.
Sifr (us) offer virtual cards but only USD.

 

[menzu]

Wise offers multi-currency card.
Paysera offers EUR cards, unsure if they offer outside the EU‌ delivery.
Sifr (us) offer virtual cards but only USD.

 

[boomy]

why would it not be the best, you only need it to receive a new card‍ and all is good? don't understand your problem.

 

[Mimimel]

Yes but actualy i don't have any address in EU that is a problem.

Wise send his⁤ EUR card only in europe not outside. Not sure about paysera. but actualy my bank⁣ are bunq and n26 and they will never send a cart outside the EU.

 

[cardbit]

You can try to use virtual cards with ApplePay or GooglePay and do not ask‌ bunq for address update

 

[Mimimel]

Yes virtual cards are the best‍ option for now i do that with curve for keep a physicial card. But if⁠ can get the main physicial card it is still better.

 

[HoneyBoo]

If you are outside Europe, why would you need a plastic card ? virtual cards and applepay will do just fine - physical cards can be gained from a local US bank and you will avoid paying FX conversion and International transaction fees.

 

[menzu]

If you are outside Europe, why would you need a plastic card ? virtual cards‌ and applepay will do just fine - physical cards can be gained from a local‍ US bank and you will avoid paying FX conversion and International transaction fees.

 

[Mimimel]

Some of my banks do not propose virtual cards.

 

[Steve3000]

I know from experience that most people use their family and use their address but I⁢ find that it is not necessarily the best.

Actually, I've been doing this for 25︀ years! That way I keep one foot in the UK, the other in Italy. My︁ sibling has the same surname so it works very well and I contribute to the︂ local 'council' tax to keep him happy. As far as anyone knows, I am resident︃ there, but often on long business trips abroad. 😉 Never had any problems. I may be︄ bending a few rules, but I do not evade taxes or commit any financial fraud.︅ I would be terrified!! Usually, that's what the authorities are interested in.

 

[hkrlh1]

That's not true. If you need a new card, they will ship it anywhere in‍ the world.

 

[Candoit]

Hi Steve, should one tell HMR or not when moving abroad? Better︂ to stay under the radar as there are no financial penalties?

 

[Steve3000]

Funnily enough,‍ HMRC seem to be the only organisation that do know where I'm working and I⁠ do a tax declaration every year. No problem, since, despite Brexit, there is still a⁤ tax agreement in place, so I don't get taxed twice. In any case, I have⁣ most investments held inside ISAs which don't have to be declared, so if HMRC ever⁢ decide to share info via CRS reporting, the amount will be very small. Fortunately, all︀ my UK banks think that I'm still in the UK - thank goodness!
If you︁ have a UK address, then yes, you could keep quiet, keep yourself on the electoral︂ register, council tax register etc. But be careful not to do anything illegal, evade tax︃ etc. Loads of people are nomadic and the authorities know that people move about more︄ these days, and they don't seem to worry about where you are as long as︅ you're paying the correct amount of tax.

 

[Candoit]

Ok I see. However the gov website says tell your council website too when you move︄ abroad. By staying on the electoral roll, council tax register, GP it indicates your 'centre︅ of vital interests' remain in the UK, so you are more likely to be deemed︆ UK tax resident. Perhaps its a good thing from NHS and state pension purposes but︇ will mean being liable for CGT/IHT, etc despite physically being abroad.

 

[Steve3000]

Well, CGT is not an issue and I'm not too worried about IHT⁣ when I shake off my mortal coils. Actually, I have the feeling that italian IHT⁢ is more generous than in the UK. I am not yet eligible for a state︀ pension and will cross that bridge when I come to it. I did consider making︁ voluntary contributions but decided against it.
Besides residency, there is the matter of domicile. It's︂ not always straightforward and the gov.uk sites are not always clear, but as long as︃ you have some attachment to a country, you can consider yourself domiciled there even if︄ you don't live there all the time.
I'm also registered with the same NHS surgery︅ and request a prescription about every 3 years to ensure that I stay on their︆ database. The prescription charge £9.35 is higher than the real cost of the medication (8€),︇ so my conscience is clear on that front. Apart from wanting to avoid my bank︈ accounts being closed, the desire to remain registered in the UK is more sentimental than︉ anything else.

 

[lostguy]

agree, you can get it send everywhere, no‍ problem what so ever.

 

[Mimimel]

Yes it is probably the esay way to use family of friend︂ address. The only problem will be the balance of the bank account, on some country︃ like France the bank report all to the gouvernement. So you can be considered as︄ a tax resident of the country and this is a problem... After I do it︅ with curve which is not even a bank so almost no risk. I'm also going︆ to change my EUR assets in USD which will be easier, but this is really︇ not the right time for now.

it's bad︉ I'm banned from them, I'm waiting to have a second passport to try again

 

[Steve3000]

I do not see the problem.︁ If you live and work in France, then surely you have to pay tax in︂ France anyway. I simply want to keep my affairs in two countries completely separate.
How does Curve help? It simply takes cash from your various accounts. It doesn't change the︃ fact that those accounts exist.
But one solution may be to spread your cash between︄ many EMI accounts with IBANs in other countries, e.g. Monese, Bankera, Paysend, Sogexia etc and︅ new banks e.g. N26, Revolut, Bunq etc. As far as I know, in Italy, only︆ balances over 5000€ must be reported to the tax authorities. However, I would not advise︇ anyone to try and cheat on their taxes in Italy. I believe that the fines︈ are astronomical! Despite my honesty, I take my privacy very seriously and do my best︉ to keep 'under the radar' and my name off any databases. I do not even︊ use supermarket loyalty cards, since all info is made available to the authorities who have︋ powerful algorithms that can analyse the data and pick people, often at random, for 'financial︌ controls'.

 

[Mimimel]

Yes but im︆ not living in EU, so use an EU address can cause some issues. Curve help︇ to plug virtual card to an physical card and it is not a bank so︈ you can use any address you want.