Expert panel — Bank of Algeria regulations 07-01 and 20-04, CIDTA.
TL;DR — Summary 30s: Algerian diaspora ~7-8M. Annual official remittances 1.8-2.5B USD. Legal framework: BA regulations 07-01 + 20-04 + law 06-15 exchange. Legal circuits: CEDAC + INR accounts, bank transfers, WU/Poste. Real estate: same rights as residents. Bilateral tax conventions 33 countries. Informal circuits: heavy penalties.Key Points ~7-8M diaspora 1.8-2.5B USD/year France 4M BA reg 07-01 + 20-04 CEDAC + INR SWIFT transfers Western Union Own name purchase MRE = resident tax 33 bilateral conventions Parallel market ~30% Penalties 5-50M DA + prison Law 06-15 exchange France 1999 convention USA in negotiation
1. Diaspora + framework
~7-8M abroad. Laws BA 07-01 + 20-04.
Methodology: official sources.
2. Legal circuits + investment
CEDAC + INR + transfers.
3. Cases + FAQ
8 cases + 22 FAQ.
FAQ
Diaspora? Remittances? CEDAC? Foreign currency account.
INR? DZD non-resident account.
Fees transfer? Western Union? Real estate? Taxes? MRE taxed as resident on DZ income.
Convention? France 1999 + 33 countries.
Parallel? Penalties? 5x amount + prison 2-10 years.
Airport? Cash > 100k DA? Reforms? Digitalization + convergence expected.
Official sources & methodology BA regulations 07-01 + 20-04 Law 06-15 exchange Bilateral conventions 33 countries World Bank + IMF remittances DZ-Immobilier interviews 2026 About the expert panel Karim Herfi — Karim Herfi coordinates the DZ-Immobilier expert panel.
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