The 60-second version
Andorran bank exit needs zero balance certificate, EUR SWIFT to NRE, and documented closure before India tax residency.
Surrender passive residency card before final EUR wire — bank may block without immigration proof
Andbank, Morabanc, and Crèdit Andorrà serve residents and passive-residency holders — request closure with residency surrender proof.
EUR wires to NRE need FEMA purpose code at Indian AD bank.
Tax lane: Andorra tax guide for Tributs clearance.
Andorra bank wind-down
| Bank | Currency | Step |
|---|---|---|
| Andbank | EUR | Closure notice |
| Morabanc | EUR | Zero balance |
| Crèdit Andorrà | EUR | Closure letter |
| NRE | INR/EUR | SWIFT receipt |
Closure
Residency proof
Card surrender.
Notice
Written closure request.
EUR wire
SWIFT to NRE.
Closure letter
Zero balance cert.
Schedule FA
Last FY foreign account.
Flow
Andorra bank kit
- Account stmt.
- Residency surrender.
- Closure letter.
- SWIFT.
- Tax clearance.
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Passive residency
Banks may require proof you exited Andorra tax residency before releasing large EUR wire.
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What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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FBAR?
US person — FinCEN 114 if aggregate > USD 10K.
Schedule FA?
Declare in last FY you held foreign account.
Spain account?
Spain guide if you also held Barcelona account.
Cyprus parallel?
Cyprus bank guide for Mediterranean exit.
EUR NRE?
Open NRE EUR before wire to avoid conversion spread.
Joint account?
Both holders sign closure.
Your NRE account redesignation has a deadline.
Banks don't remind you. You need the right account stack before salary, rent, and EMIs start moving. Get the exact sequence.