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Dear all,

Kindly note that in january 2018 i got my permaneng residence in sweden but prior to that that i used to work abroad ( non eu country) , i got my personnummer and now planning to buy a house so transfering my money that i saved from my work abroad from my own bank account to sweden will it be subject to tax ?

Appreciate your feedback and help on the same.

Regards,
Sam

13 Comments
  1. anon
    matgus3
    Apr 05, 2018

    They can not tax you for a transfer. But the way SKV is one never knows - they probably want 100 percent. Move to another country !!!

    <p>Mats</p>

  1. anon
    D Andersson
    Apr 05, 2018

    Dear Sam,

    You don´t pay tax just for transferring the money but Sweden can tax you if you sell funds, shares etc. My recommendation is that bring papers etc that’s proofs that the money comes working abroad in case Skatteverket ask questions about the money.

    Kind regards

    Daniel

    Daniel Andersson är skattejurist hos Skattepunkten AB

  1. anon
    matgus3
    Apr 05, 2018

    You see, it depends on the person at SKV who will look at it. Some might say 100 percent, others will ABIDE BY THE LAW AND SAY 0 PERCENT. mY RECOMMENDATION IS TO MOVE TO ANOTHER COUNTRY. And then a country that abides by law as well as reason !

    <p>Mats</p>

  1. anon
    Wiss84
    Apr 06, 2018

    Many thanks for your feedback...so in case SKV will tax my transfer in the new year declaration...how much percent? Even though i feel its weird to tax the same as am joinning my family in sweden and am living from my own income and the savings i have were before getting my residence so in this way if i submitted a statement of account prooving the dates do you think it might b3 tax free and one more thing if a transfer was made without mentioning gift but i have papers from a notary that proof that its a gift shall it be tax free? Thanks

  1. anon
    matgus3
    Apr 06, 2018

    I was joking Wiss84, they can not tax cash transfers ! They might ask you where the money came from though if the transfer exceeds ca 10000 euros or ca 90 thousand SEK. If the money has been duly taxed in state of origin and you were not tax liable in SE when it was earned, they can not charge you a cent in taxes. After you move the cash to Sweden, as I assume it is, SKV will want to tax interest, capital gains etc if you are a tax resident in Sweden. Then at 30 percent of income or gains. 

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    There is a slight risk that the receiving Swedish bank or SKV might ask for source of funds if larger than ca 10 Thousand Euros or 90 K SEK. I have, however, transfered millions and never been asked a question. But if you do not want questions about source of funds, move in random sums under 90 K SEK and spread between banks. But if the funds are clean, meaning taxed where they should, you have nothing to worry about. Not even SKV can then tax them ! Cuckoo as they are !

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    But personally, and not being a Swedish tax resident although a citizen, I am considering moving all my funds out that nation - and I will then do it in huge amounts !

    <p>Mats</p>

  1. anon
    Wiss84
    Apr 06, 2018

    Thanks guys..Actually i get registered in SKV in feb 2018 ( does it apply that i didnt complete 6 months rules or am a tax payer now ) my transfer is exceeding 1 M kr trasnfered to my wife account since i didnt open a swedish bank account yet...take into consideration that my account abroad is a joint account between me and my wife but as mentioned the savings are done prior to get my residence in sweden and this is making me worried since a 30% deduction is not easy and will hurt big time specially that you worked hard to get that money so in your advice what should i declare to avoid the risk of getting taxed

  1. anon
    matgus3
    Apr 06, 2018

    If the funds are clean, no worries. And joint account does not matter. However, if you have received interest on your account SKV will want to tax it at 30 percent. Just move the funds. And then if you had some interest on the funds during first quarter this year, just declare it in January 2019. Tehn they will tax that meager amount, ie interest, next year when you will have to submit your tax form in SE. And do not worry, they will send it to you.

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    Alternatively, just declare what littleinterest there might be in övriga upplysningar in the tax form that you will have to submit in May 2019. It is simple actually. After that put your money in eg a ISK and invest. If on a Swedish bank account, future taxes will be automatic and you do not have to worry about it. But why move to Sweden ? It is not a nation ruled by law ?

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    I should add that is natural at a move between countries to move large blocks of money. 

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    And I should add that if the transfer is within the EU, I strongly doubt that any questions will be asked. But now Daniel, I am sitting on some 18 mn SEK in low yielding bank accounts in Sweden (on which I pay taxes here in HR). May I move all of it in one lump some to eg Saxo Bank Zagreb? Tax consequences ))))))  ? I also hold some 12 mn in a so called KF in Sweden. Can I move it without tax consequences to eg Degiro Holland? Then I am sitting on some 1.5 mn in IPS, these days taxed by the Swedes as an ordinary brokerage account. Can I move it ? HR does not tax gains of that sort. What can I move? Maggan ? Vote liberal and throw out your government and life might be netter in SE for you and your children (mine live in the US and SE has paid 0. And just college goes for ca 2 mn SEK at decent schools). 

    <p>Mats</p>

  1. anon
    matgus3
    Apr 06, 2018

    My suggestion to you, if you really want to move to Sweden, is to 1. Get an accont at Skandiabanken, 2. get a so called bank ID from them, 3. mainatain transaction money at Skandia maybe 30 thousand or so, 4 open an account with eg SBAB (state and former Securum) and deposit there the ca 900 K rest that will be state guaranteed, which is trippe A. But why move to Sweden at all ? What do you expect to find ? A friendly government ? And about the transfer, if you want to do, just do it and skip the ca 4 month you have been liable in SE - the interest amounts are probably so small that do do not matter at all. Not even in the sick minds of SKV.

    <p>Mats</p>