{"id":17087,"date":"2018-06-18T05:58:05","date_gmt":"2018-06-18T05:58:05","guid":{"rendered":"http:\/\/triniti.eu\/insights\/tunneli-lopus-paistab-valgus-ehk-edaspidi-saab-ariuhingule-konto-avada-ka-valisriigi-krediidi-voi-makseasutuses\/"},"modified":"2026-04-15T13:39:36","modified_gmt":"2026-04-15T13:39:36","slug":"tunneli-lopus-paistab-valgus-ehk-edaspidi-saab-ariuhingule-konto-avada-ka-valisriigi-krediidi-voi-makseasutuses","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/tunneli-lopus-paistab-valgus-ehk-edaspidi-saab-ariuhingule-konto-avada-ka-valisriigi-krediidi-voi-makseasutuses\/","title":{"rendered":"Tunneli l\u00f5pus paistab valgus ehk edaspidi saab \u00e4ri\u00fchingule konto avada ka v\u00e4lisriigi krediidi- v\u00f5i makseasutuses"},"content":{"rendered":"\nPraktikas teravalt t\u00f5usetunud probleem, kus \u00e4ri\u00fchingutel ei ole v\u00f5imalik pangakontot avada, saab hiljemalt 1. jaanuariks 2019 lahenduse, kui \u00e4ri\u00fchingutel tekib v\u00f5imalus avada konto hoopis v\u00e4lisriigi krediidi- v\u00f5i makseasutuses.<!--more-->\n\nOsa\u00fchingu asutamine on Eestis muudetud v\u00e4ga lihtsaks. Samal ajal tekitab praktikas suuri probleeme, ennek\u00f5ike mitteresidentidele, sh Eesti e-residentidele, kehtivas seaduses sisalduv n\u00f5ue, et osa\u00fching v\u00f5i aktsiaselts peab avama pangakonto Eesti krediidiasutuses, kui soovib teha \u00fchingusse rahalisi sissemakseid.\n\nPankade poolt kohaldatavad rahapesu ja terrorismi rahastamise t\u00f5kestamise reeglid on loonud olukorra, kus mitteresidentidel ja e-residentidel on \u00fclimalt keeruline avada pangakontot v\u00f5i tuleb see neil hoopist\u00fckkis sulgeda. See toob kaasa olukorra, kus eksisteerib olemasolev osa\u00fching, millel aga puudub pangakonto. Teisis\u00f5nu ei ole seda osa\u00fchingut v\u00f5imalik sisuliselt majandada.\n\n<a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2018\/06\/Mikk_pangakonto-avamine.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-9180\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2018\/06\/Mikk_pangakonto-avamine-1024x719.jpg\" alt=\" width=\"1024\" height=\"719\" \/><\/a>\n<h5><strong>Kavandatavad muudatused<\/strong><\/h5>\nTekkinud olukord p\u00e4rsib Eesti ettev\u00f5tluskeskkonna konkurentsiv\u00f5imet ja atraktiivsust ning peletab v\u00e4lisinvesteeringuid sedav\u00f5rd, et Vabariigi Valitsuse hinnangul tuleb probleem lahendada kohe.\n\nProbleemi lahendamiseks on Justiitsministeerium koostanud \u00e4riseadustiku muutmise seaduse eeln\u00f5u, mis peaks j\u00f5ustuma 1. jaanuarist 2019. Nimetatud eeln\u00f5u kohaselt tekib osa\u00fchingutel ja aktsiaseltsidel v\u00f5imalus avada maksekonto Euroopa Majanduspiirkonna lepinguriigis asutatud krediidiasutuses v\u00f5i makseasutuses v\u00f5i selle krediidiasutuse v\u00f5i makseasutuse lepinguriigis avatud filiaalis.\n\nTeisis\u00f5nu v\u00f5imaldavad muudatused asutatavale \u00e4ri\u00fchingule avada konto mujal kui Eestis ja ka juba olemasolevatele \u00e4ri\u00fchingutele v\u00f5imaluse avada t\u00e4iendav v\u00f5i asendada olemasolev konto v\u00e4lismaal asuva maksekontoga.\n<h5><strong>Praktilised k\u00fcsimused<\/strong><\/h5>\nSiinjuures tuleb loota, et viidatud muudatus kohaldub praktikas ka olukordadele, kus kehtiv seaduse tekst s\u00e4testab n\u00f5ude panga olemasolule, kuid mida k\u00f5nealuse eeln\u00f5uga (praeguses faasis) muuta ei ole kavas. Nt s\u00e4testab kehtiv seadus, et osa\u00fchingu v\u00f5i aktsiaseltsi asutamisel avavad asutajad asutamisel oleva \u00e4ri\u00fchingu nimele pangaarve (mitte maksekonto), kuhu nad tasuvad oma rahalised sissemaksed. Samuti s\u00e4testab seadus, et osa- v\u00f5i aktsiakapitali sissemaksmisel v\u00f5i suurendamisel uute sissemaksetega tuleb \u00e4riregistrile esitatavale kandeavaldusele lisada panga (mitte makseasutuse) teatis\u00a0 osa- v\u00f5i aktsiakapitali sissemaksmise kohta.\n\nMuudatuste j\u00f5ustumisel tuleb edaspidiselt arvestada ka tehniliste n\u00fcanssidega ehk n\u00f5uetega viidatud panga v\u00f5i makseasutuse poolt v\u00e4ljastatavale t\u00f5endile. Seadus n\u00f5uab, et see t\u00f5end oleks originaal (v\u00f5i v\u00e4hemalt notariaalselt v\u00f5i ametlikult kinnitatud \u00e4rakiri), eestikeelne (v\u00f5i v\u00e4hemalt vandet\u00f5lgi poolt t\u00f5lgitud v\u00f5i notari poolt kinnitatud t\u00f5lkega) ning see tuleb \u00e4riregistrile esitada. Kui h\u00f5lpsalt v\u00f5i lihtsalt selliseid t\u00f5endeid v\u00e4lisriikide krediidi- v\u00f5i makseasutustest saab, selgub p\u00e4rast seaduse j\u00f5ustumist.\n<h5><strong>Muudatused peaksid j\u00f5ustuma varem<\/strong><\/h5>\nIsiklikult pooldan viidatud eeln\u00f5ud ja kavandatavaid muudatusi t\u00e4ielikult, kuna olen hiljuti k\u00f5nealuse probleemiga kokku puutunud. Lisaks n\u00f5ustun ka ettev\u00f5tlus- ja infotehnoloogiaministri koosk\u00f5lastusega antud eeln\u00f5ule \u2013 kuna tegu on v\u00e4ga olulise ja kiireloomulise muudatusega, tuleks muudatused j\u00f5ustada kavandatust kiiremini.\n\n&nbsp;\n\nKui eelneva osas tekkis k\u00fcsimusi, siis v\u00f5tke minuga \u00fchendust.\n","protected":false},"featured_media":2844,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[300],"insight_category":[430],"class_list":["post-17087","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-arioigus","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tunneli l\u00f5pus paistab valgus ehk edaspidi saab \u00e4ri\u00fchingule konto avada ka v\u00e4lisriigi krediidi- v\u00f5i makseasutuses - TRINITI - Pan-Baltic Law Firm<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tunneli l\u00f5pus paistab valgus ehk edaspidi saab \u00e4ri\u00fchingule konto avada ka v\u00e4lisriigi krediidi- v\u00f5i makseasutuses - 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