Capital relocation in 2026: how to move money and assets abroad

Sending money to any country

132 countries and territories are covered separately in 2026: for each, how the recipient receives the money, what the bank will ask, crediting times and the recipient's taxes. Open your region and choose a country.

Your country is not on the list? A manager will choose a route for your country, bank and sum.

What capital relocation is

Capital relocation is the lawful transfer of money and assets from one country to another, together with the owner's move or separately from it; in 2026 the whole route takes 2 to 8 weeks.

It covers four tasks: choosing a transfer route to the destination country, gathering source of funds documents for the bank, working out where you pay taxes, and arranging the purchase of an asset if the money is sent for a deal. When all four tasks are solved in advance, the transfer goes through the first time.

The rules on this page were checked on 8 October 2026 against the websites of central banks, customs and tax services. Only lawful methods are here: what applies on that date, which documents are needed and which route works in your case.

Who needs capital relocation

Capital is most often moved in 5 situations, and in each the bank expects its own set of documents.

• A family move. Savings and income move to an account in the country where the family will live and pay taxes.
• Selling a flat or a business. The proceeds of the deal are sent as one sum, and the bank checks the whole deal.
• Buying property abroad. The money goes to the seller or developer under the contract, sometimes for a residence permit.
• An inheritance or a gift from relatives. The transfer is backed by a certificate of inheritance or a deed of gift.
• Savings in several countries. Part of the money is held in another currency and another bank so as not to depend on one country.

We work only with lawful transfers: money with a clear source, taxes paid and a transparent purpose. These are the routes collected on this page.

How to choose a route: who it suits, timing and what the bank will ask

All 6 routes share one rule: money goes from the owner's account to the owner's or the seller's account, and every sum is explained with documents.

The easiest way to choose a route is by the sum you are sending. Checked on 9 October 2026:

1. Transfer to your own account abroad

Who it suits: people whose savings are in an account and whose account in the destination country is open or being opened. Timing: an international transfer usually takes 1 to 5 business days, and the bank checks a new client's first payment for longer. What the bank will ask: where the money in the sender's account came from: an income certificate or tax return, a statement for 6-12 months and the contract if the money came from a deal. A manager in the chat will suggest a route for your sum and country.

2. Transfer through a bank in a third country

Who it suits: people who live or work in a third country and hold an account there, and cases where a payment between two countries is easier to make through a third. Timing: 2 to 6 weeks, because the account is opened and the check is passed twice. What the bank will ask: the whole chain: statements from both banks showing that the money came from your own account, and documents on the original source. The destination bank's rules on the client's citizenship and the country the money comes from apply to any route, so the route is chosen for both banks at once.

3. Money from selling property or a business

Who it suits: people who sell a flat, a house or a share in a company before moving. Timing: 1-2 weeks after settlement of the deal if the account abroad is already open. What the bank will ask: 3 documents: the sale contract, the registry extract on the transfer of title and the bank statement showing the money received; for a share in a business, the members' resolution and the company's accounts are added. How to put the package together is in the article on the source of funds.

4. Transferring securities and deposits

Who it suits: holders of brokerage accounts and term deposits. Timing: from 2 weeks: the deposit is closed or held to maturity, the securities are moved between depositories or sold, and the money is sent as a regular payment. What the bank will ask: the broker's report for the whole holding period, a deposit statement with the interest accrued and documents on the money the securities were bought with.

5. Paying for property abroad directly to the seller

Who it suits: home buyers who pay the seller, the developer or a notary's account from their own account in the sending country. Timing: the transfer takes 1 to 5 business days, and the payment date is tied to the contract schedule. What the bank will ask: the sale contract or preliminary contract, the seller's details from the contract and proof of the source of the whole sum. Some countries require the money for a purchase to arrive from abroad through a bank: in Thailand a flat is not registered to a foreigner without this, and in Turkey currency is sold to a bank before the deal in exchange for a certificate. Countries and terms are in the investment property section.

6. Company, foundation or trust

Who it suits: owners of a business and of family capital who need not a one-off transfer but an ownership structure: a company for business activity, a foundation or a trust for inheritance and asset protection. Timing: 1 to 3 months including the account. What the bank will ask: the founding documents, beneficial owner details, the source of the property contributed and an explanation of why the structure is needed. A structure does not hide the owner: the bank and the registers know who it belongs to, and the tax service of the country where you live may tax its profit under controlled foreign company rules. Sections: company registration, trusts and foundations.

Your situation: 6 common reasons to move capital

Capital is most often moved abroad in 6 situations, and each has its own page: which documents to prepare, which route to choose and how the transfer goes in 2026.

Discuss my situation with a manager

All ways to send money abroad in 2026 →

What the bank will ask about the source of funds

A bank must check a client on a one-off transaction from $15,000 or €15,000: this is the threshold of the FATF, the international group that sets the rules against money laundering, and the laws of most countries are built on it.

For a client with an account there is no threshold: the bank may ask for documents on the source of the money at any sum, and for a large receipt it almost always does. In the European Union the one-off transaction threshold will fall to $12,000 (€10,000) from 10 July 2027.

A standard package has 5 parts:

• Source of income: an income certificate or a tax return for 2-3 years.
• A deal: the sale contract, the registry extract and a statement of the money received.
• An inheritance or a gift: a certificate of inheritance or a deed of gift and the donor's documents on their income.
• A business: the dividend resolution, the company's accounts and proof that the tax was paid.
• The money's path: statements of all accounts the sum passed through, with no gaps in dates.

The documents are translated into the bank's language and certified, and the bank keeps copies for at least 5 years after the account is closed. The bank checks three things: whether the sum matches the documents, whether the dates match, and whether the money comes from the account of the person who earned it. A detailed guide is in the article on the source of funds: how to pass the check.

Rules of the sending country

In the country the money leaves from, 3 things are checked: the transfer limit, the obligation to report a foreign account and exit tax.

Many countries have limits: in China a private person exchanges currency within $50,000 a year, and in India sends up to $250,000 abroad per financial year. Above the limit the transfer goes through with a separate permit or with documents on its purpose.

Genuine documents on the source of the money are the main condition: with them the transfer goes through in the usual time in both the sending and the destination country.

Rules of the destination country

In the destination country everything is decided by the receiving bank: it credits the payment when it sees documents on the source of the money and a clear purpose. So the bank is told about a large transfer in advance, and the payment purpose is written the same way as in the contract or in the explanation for the bank.

It is more convenient to open an account in the currency the money will arrive in: the sum does not lose value on a double exchange, and the statement shows the bank the money's whole path from the sender at once.

A payment goes through the first time when the documents are ready before the transfer, the sender's bank works with the recipient's bank, and the country the money comes from is not on the FATF high-risk lists. If the route from your country is unusual, a manager will check the route for your case before sending.

Some countries tie the right to buy property or a residence permit to the payment method: the money must arrive from abroad through a bank. These terms are collected on the country pages of the investment property section. Which account details a bank passes to tax services is in the article on the automatic exchange of tax information in 2026.

Taxes on transferred money

There are 3 tax questions in a transfer: where you are a tax resident, what income the money earned before and after the transfer, and whether the country you leave charges tax when you change residence.

Moving your own savings from your own account to your own account creates no income: tax is charged on income, not on moving capital.

• Residence. Most countries treat as a tax resident a person who has lived in the country for 183 days in a year and tax their income worldwide: deposit interest, dividends, profit from selling securities.
• Bringing in income. Some countries tax foreign income when it is brought in. In Thailand a resident who has lived in the country for 180 days in a year pays tax on foreign income transferred into the country.
• Exit tax. Canada taxes the gain in the value of property as if it had been sold on the day of departure, and Germany taxes the gain in the value of company shares from 1%.

Banks in more than 100 countries automatically pass information on non-residents' accounts to tax services, so income in a foreign account is declared by the owner without waiting for questions. The tax residency calculator will help work out your status, and rates are in the taxes by country section.

If money arrives from abroad as payment for work, the tax depends on your status. How such payments reach you and what the bank asks for is covered in the article on getting paid from abroad for work.

Timing and costs step by step

A route of 7 steps takes 2 to 8 weeks, and the costs are made up of bank fees, translation of documents and support for the transfer.

Data for 2026.

Banks charge transfer fees at their own rates, and for a large sum the difference between two banks is noticeable. So the bank and the transfer currency are chosen before the account is opened, not after.

How much can be sent at once, how long each method takes and what the price is made of is covered in the article on how much money you can send abroad in 2026.

Example: sending money from the sale of a flat

An example: a family sells a flat for a sum equal to $250,000 and moves to a country where it is already getting a residence permit.

1. Before the deal they open an account in the destination country and tell the bank about the sum and the source.
2. After settlement they gather 3 documents: the contract, the registry extract on the transfer of title and the statement of the money received in the seller's account.
3. Before the transfer they check the limits and obligations of the sending country on the date of the operation and file the account notification if one is required.
4. The transfer is sent from the seller's account to the seller's own account abroad, and the payment purpose says the same as the documents.
5. After crediting they keep the payment confirmation and the statements: they will be needed when buying a home and in the tax return.

If both spouses sold the flat, each makes the transfer from their own account to their own or a joint account, and the documents are prepared for both.

Common mistakes: how to send money the first time

A transfer goes through the first time if you avoid 7 common mistakes, and none of them depends on the size of the sum.

• No documents on the source of the money. The receiving bank credits the payment after the contract, statements and proof of income, so they are prepared before the transfer.
• A gap in the chain. The money passed through an account with no statement.
• A transfer from or to someone else's account. The bank checks a payment from a third party separately, so the owner sends the money from their own account.
• The sum was split into parts without a reason. The bank checks a series of payments just below the check threshold separately, so a large sum is sent as one payment with documents.
• The payment purpose does not match the documents. The transfer says one thing and the contract another.
• The account was opened for a different task. The bank expected a salary and everyday spending, and the price of a flat arrived: a large receipt is announced in advance.
• A forgotten notification in the sending country. The account notification and report are filed on time, and the next transfer goes through without questions.

We carry out all transfers lawfully: the money comes from the owner with documents on its source, the route is agreed with the bank in advance, and the transfer goes through in the usual time.

How Murblz supports capital relocation

We work in 5 steps: we work out what needs to be sent and from where; choose a route for the sum and country; gather documents on the source of the money for the bank; carry out the transfer through licensed partners and see it through to crediting; and keep track of notifications and tax status after the move.

We show straight away which lawful route works in your case and what it needs: a residence permit, another bank or a different order of the deal.