Paying for Property in Andorra from Abroad — EUR to AD IBAN, Clear Timing & Fewer Surprises

Quick answer

Keep the closing predictable: use EUR, send to a verified AD IBAN via SEPA, keep the reference line short and submit earlier in the day. Decide where conversion happens if your funds start in USD/GBP and write down the net EUR on account required on the statement.

Decisions to make before you send

Currency. Most Andorran property statements are in EUR. If your origin is USD/GBP, compare pre-conversion (lock the outcome; then pay SEPA) versus conversion on arrival (simpler setup, but FX can move). Choose the route that guarantees the net figure required.

Where the money lands. Depending on the arrangement, funds may credit a seller’s account or a regulated client/escrow account held by a professional. Keep wording consistent across documents and emails so credits match quickly.

Timing. Morning submissions and early-week scheduling reduce back-and-forth. Plan around banking cut-offs and public holidays in both countries.

Five practical ways to fund a closing

1) Clean SEPA EUR wire to AD IBAN. Default route for most transactions: predictable posting and straightforward reconciliation with a short, exact purpose.

2) USD/GBP→EUR on arrival. Send in the origin currency via SWIFT and let the receiving bank convert to EUR. Confirm the expected net EUR and who covers charges.

3) Pre-convert to EUR and send. Convert at a transparent rate and pay in EUR to lock the outcome. Helpful when totals are fixed and deadlines are tight.

4) Stage-by-stage funding (new builds / milestones). Each milestone gets a separate transfer with an exact reference that mirrors the schedule. Submit earlier on milestone days and keep confirmations in the same thread.

5) One inbound → domestic allocations. If several items are due (seller, taxes, fees), a single inbound payment can be allocated domestically the same day according to the closing statement.

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Costs & FX — keep it practical

Your all-in cost equals fees + FX. For EUR→EUR SEPA, fees dominate; when converting from USD/GBP, the rate is the main lever. Decide who bears charges and where conversion will happen. Note the expected net EUR on the statement to avoid top-ups later.

Timing & predictable posting

Cut-offs vary by bank and corridor. End-of-day wires often value the next business day, especially near holidays. If keys or handover depend on your payment, submit earlier than the final hour and keep subject lines consistent so the receiving team can match your proof quickly.

Safety & verification — plain English

Confirm pay-in details through a trusted channel before sending. Do not rely on forwarded screenshots. Use the exact beneficiary name and AD IBAN shown in the final document. After sending, attach the standard receipt in the same email thread and ask for a brief confirmation.

Scenarios you can reuse

Resale with a single statement. One clean EUR payment, short reference and proof shared immediately; ask for a short receipt note for your files.

New build with milestones. Separate transfers per stage with exact references. Align any conversions with stage dates.

Paying from outside the euro area. Pre-convert for certainty or document a clear all-in route; keep documents and confirmations in one thread.

One-page checklist

1) One settlement currency (usually EUR). 2) Verified AD IBAN (and BIC if requested). 3) Short, exact reference mirroring the paperwork. 4) Plan fees and conversion; confirm net EUR. 5) Send early; share proof; store confirmations together.

Why clients choose us

VelesClub Int. keeps Andorra property payments simple and on time: clear EUR routes, readable references and timing that fits your plan. Together with our partner UNIBROKER, we support secure international transfers and dependable closings in Andorra and beyond.