Schemes exist for Tunisians living abroad — but you have to know about them, and always go through the official channel. An overview of the principles, without jargon and without promises.
General information — neither financial nor tax advice: check every scheme with your bank and the competent authorities.
Each scheme is described here in principle only. The precise conditions — eligibility, operation, supporting documents — are a matter for your bank and the competent authorities.
The principle: holding foreign-currency assets in Tunisia, within an official banking framework designed for Tunisians residing abroad. Opening, operation, authorised transactions: the precise conditions are to be checked with your bank.
Transfers to Tunisia fall under foreign exchange regulations, overseen by the Central Bank of Tunisia (BCT). Traceability is not just a constraint: it also protects your project and your rights — every documented transfer is evidence that belongs to you.
The change-of-residence customs allowance (FCR) is a customs principle reserved for Tunisians residing abroad who return home for good. Eligibility conditions, goods covered, lists and supporting documents: everything is to be checked with the competent authorities before you factor it into your plans.
Once your funds have arrived through the official channel, the journey on PontBat is clearly marked out: KYC verification, deposit into ring-fenced escrow, then release on verified milestones only. The precise banking arrangement is being framed with partner banks and specialised lawyers — that is the legal workstream in progress.
Four habits that weaken a project before the first stone is even laid.
PontBat is never a counterparty to currency exchange and never gives personalised financial advice. Your bank and the platform's banking partners remain your contacts for everything concerning your accounts and your transfers.
Once transferred through the official channel, your build money waits in ring-fenced escrow, separate from every party's operating cash. It only leaves through the 4 locks: milestone reached, on-site check, your approval, invoices reconciled.
Nothing complicated: method, evidence, and the right sources.
Before wiring a single fund, lay out your project to your bank: it will tell you which accounts and which schemes designed for Tunisians residing abroad apply to your situation.
Transfer orders, execution notices, statements: file everything, from the very first transfer. These documents tell the story of your money — and that story may be asked of you.
An international transfer, a verification, a conversion: every step takes time. Build these timelines into the site schedule so the money never arrives after the need.
Bank, customs, competent authorities: every scheme is verified at the source, not on social media. A misunderstood rule always costs more than an appointment at the branch.
Ring-fenced escrow, verified milestones, vetted professionals: once your funds have arrived by the book, the platform takes over — with proof at every step.