# Clario — AI Document Assistant for Expats in Europe

> Clario helps immigrants and expats in Europe navigate bureaucracy. Upload any official document (letter, contract, form) and get a plain-language summary with deadlines, required actions, and next steps. Supports 9 countries and 100+ languages.

## Core Pages

- [Homepage](https://myclario.app): Product overview, features, pricing
- [Free Try](https://myclario.app/try): Upload a document anonymously and get an instant AI analysis (no signup)
- [Pricing](https://myclario.app/pricing): Free tier + Pro €16.99/month
- [About](https://myclario.app/about): Company, mission, editorial process
- [Privacy](https://myclario.app/privacy): GDPR-native data handling

## Expat Bureaucracy Guides (authoritative)

- [Guides Hub](https://myclario.app/guides): 109 step-by-step procedures across 10 countries
- [Austria Guides](https://myclario.app/guides/at): 3 procedures for expats in Austria
- [Switzerland Guides](https://myclario.app/guides/ch): 3 procedures for expats in Switzerland
- [Germany Guides](https://myclario.app/guides/de): 21 procedures for expats in Germany
- [Spain Guides](https://myclario.app/guides/es): 16 procedures for expats in Spain
- [France Guides](https://myclario.app/guides/fr): 14 procedures for expats in France
- [United Kingdom Guides](https://myclario.app/guides/gb): 3 procedures for expats in United Kingdom
- [Italy Guides](https://myclario.app/guides/it): 16 procedures for expats in Italy
- [Netherlands Guides](https://myclario.app/guides/nl): 15 procedures for expats in Netherlands
- [Portugal Guides](https://myclario.app/guides/pt): 3 procedures for expats in Portugal
- [United Kingdom Guides](https://myclario.app/guides/uk): 15 procedures for expats in United Kingdom

## Individual Procedure Guides

### 🇦🇹 Austria

- [Residence Permit (Aufenthaltstitel Austria) (Aufenthaltstitel Österreich beantragen)](https://myclario.app/guides/at/aufenthaltstitel): visa procedure — 5 steps, no strict deadline, fee EUR160. Keywords: Aufenthaltstitel Austria, Rot-Weiß-Rot Karte, RWR Karte, Blaue Karte EU Austria, Niederlassungsbewilligung
- [Address Registration (Meldezettel) (Meldezettel — Wohnsitzanmeldung)](https://myclario.app/guides/at/meldezettel): housing procedure — 4 steps, 3-day deadline, fee Free. Keywords: Meldezettel, Meldebestätigung, Wohnsitzanmeldung, address registration Austria, Meldeservice
- [Social Insurance Registration (e-card) (Sozialversicherung & e-card Österreich)](https://myclario.app/guides/at/sozialversicherung): healthcare procedure — 4 steps, 7-day deadline, fee EUR12.7. Keywords: Sozialversicherung Austria, e-card, ÖGK, Gesundheitskasse, health insurance Austria

### 🇨🇭 Switzerland

- [Address Registration (Anmeldung Switzerland) (Einwohneranmeldung Schweiz)](https://myclario.app/guides/ch/anmeldung): housing procedure — 4 steps, 14-day deadline, fee CHF20. Keywords: Anmeldung Switzerland, Einwohneranmeldung, Einwohnerkontrolle, register address Switzerland, Gemeinde registration
- [Residence Permit (Aufenthaltsbewilligung Switzerland) (Aufenthaltsbewilligung Schweiz)](https://myclario.app/guides/ch/aufenthaltsbewilligung): visa procedure — 4 steps, 14-day deadline, fee CHF150. Keywords: Aufenthaltsbewilligung, B permit Switzerland, C permit, Niederlassungsbewilligung Switzerland, L permit
- [Health Insurance (Grundversicherung Switzerland) (Krankenversicherung Schweiz — Grundversicherung)](https://myclario.app/guides/ch/krankenversicherung): healthcare procedure — 5 steps, 90-day deadline, fee CHF350. Keywords: Grundversicherung, Krankenversicherung Switzerland, health insurance Switzerland, Krankenkasse, obligatory health insurance

### 🇩🇪 Germany

- [Address Registration (Anmeldung) (Wohnsitzanmeldung)](https://myclario.app/guides/de/anmeldung): housing procedure — 5 steps, 14-day deadline, fee Free. Keywords: Anmeldung, address registration, Wohnsitz anmelden, register address, Bürgeramt
- [Residence Permit (Aufenthaltstitel) (Aufenthaltstitel beantragen/verlängern)](https://myclario.app/guides/de/aufenthaltstitel): visa procedure — 6 steps, no strict deadline, fee EUR100. Keywords: Aufenthaltstitel, residence permit, visa renewal, Aufenthaltserlaubnis, Niederlassungserlaubnis
- [Opening a Bank Account (Bankkonto) (Bankkonto eröffnen)](https://myclario.app/guides/de/bankkonto): finance procedure — 4 steps, no strict deadline, fee EUR5. Keywords: Bankkonto, bank account Germany, Girokonto, open bank account, N26
- [Right to a basic bank account (Basiskonto) (Recht auf ein Basiskonto)](https://myclario.app/guides/de/basic_account_right): financial procedure — 0 steps, 10-day deadline, fee N/A. Keywords: Basiskonto, basisbankkonto Deutschland, right to a basic account Germany, ZKG Zahlungskontengesetz, BaFin Basiskonto
- [Kita-Platz appeal (Rechtsanspruch on childcare) (Widerspruch Kita-Platz Ablehnung)](https://myclario.app/guides/de/kita_platz_appeal): education procedure — 0 steps, 30-day deadline, fee N/A. Keywords: Kita-Platz Widerspruch, Kita Ablehnung, Rechtsanspruch Kindergarten, Schadenersatz Verdienstausfall Kita, kita platz appeal
- [Parental Allowance (Elterngeld) (Elterngeld beantragen)](https://myclario.app/guides/de/elterngeld): family procedure — 3 steps, 90-day deadline, fee Free. Keywords: Elterngeld, parental allowance, Basiselterngeld, ElterngeldPlus, parental leave Germany
- [Flight Delay/Cancellation Compensation (EU 261) (Flugentschädigung (EU-Verordnung 261/2004))](https://myclario.app/guides/de/flight_compensation): legal procedure — 5 steps, 1095-day deadline, fee Free. Keywords: flight compensation, EU 261, Flugentschädigung, flight delay, cancelled flight
- [Dental fee appeal (GOZ Steigerungsfaktor) (Widerspruch zur Zahnarztrechnung (GOZ))](https://myclario.app/guides/de/goz_appeal): health procedure — 0 steps, 30-day deadline, fee N/A. Keywords: GOZ, zahnarztrechnung widerspruch, GOZ Steigerungsfaktor, Heil-und-Kostenplan, dental fee Germany
- [Health Insurance Registration (Krankenversicherung anmelden)](https://myclario.app/guides/de/health_insurance): healthcare procedure — 5 steps, no strict deadline, fee Free. Keywords: Krankenversicherung, health insurance, Krankenkasse, GKV, PKV
- [Child Benefit (Kindergeld) (Kindergeld beantragen)](https://myclario.app/guides/de/kindergeld): family procedure — 4 steps, 180-day deadline, fee Free. Keywords: Kindergeld, child benefit, child allowance, Familienkasse, children money
- [Payment Order / Debt Collection (Mahnbescheid) (Mahnbescheid — Widerspruch einlegen)](https://myclario.app/guides/de/mahnbescheid): legal procedure — 5 steps, 14-day deadline, fee Free. Keywords: Mahnbescheid, payment order, debt collection, Widerspruch, objection
- [Tenant Rights — Rent Increase & Deposit (Mietrecht — Mieterhöhung & Kaution)](https://myclario.app/guides/de/mietrecht): housing procedure — 5 steps, 180-day deadline, fee EUR90. Keywords: Mietrecht, tenant rights, rent increase, Mieterhöhung, deposit
- [Mietspiegel reference index — qualified rent index for top 30 German cities (Mietspiegel-Index — qualifizierter Mietspiegel der 30 größten Städte)](https://myclario.app/guides/de/mietspiegel_index): housing procedure — 0 steps, no strict deadline, fee N/A. Keywords: Mietspiegel, ortsübliche Vergleichsmiete, Mietpreisbremse, Kappungsgrenze
- [Energy Ombudsman (DE — Schlichtungsstelle Energie) (Schlichtungsstelle Energie der Bundesnetzagentur)](https://myclario.app/guides/de/ombudsman_energy): financial procedure — 0 steps, 28-day deadline, fee N/A. Keywords: ombudsman energy, Schlichtungsstelle Energie, Bundesnetzagentur Energie, EnWG 111b, Stromrechnung Streit
- [Telecom Ombudsman (DE — Schlichtungsstelle TK) (Schlichtungsstelle Telekommunikation)](https://myclario.app/guides/de/ombudsman_telecom): financial procedure — 0 steps, 28-day deadline, fee N/A. Keywords: ombudsman telecom, Schlichtungsstelle Telekommunikation, Bundesnetzagentur TK, TKG 47a, Mobilfunk Beschwerde
- [Contest a Parking/Traffic Fine (Bußgeldbescheid anfechten)](https://myclario.app/guides/de/parking_fine): legal procedure — 5 steps, 14-day deadline, fee Free. Keywords: Bußgeld, traffic fine, parking fine, Strafzettel, parking ticket
- [Private health insurance reimbursement objection (PKV Widerspruch) (Widerspruch gegen PKV-Leistungsablehnung)](https://myclario.app/guides/de/pkv_widerspruch): health procedure — 0 steps, 30-day deadline, fee N/A. Keywords: PKV, private krankenversicherung widerspruch, private krankenversicherung, PKV Widerspruch, GOÄ Steigerungsfaktor
- [Broadcasting Fee (Rundfunkbeitrag) (Rundfunkbeitrag anmelden)](https://myclario.app/guides/de/rundfunkbeitrag): housing procedure — 4 steps, 30-day deadline, fee EUR18.36. Keywords: Rundfunkbeitrag, GEZ, broadcasting fee, TV fee, radio fee
- [SCHUFA Credit Score — Free Report & Disputes (SCHUFA-Auskunft anfordern & Einträge korrigieren)](https://myclario.app/guides/de/schufa): finance procedure — 5 steps, 30-day deadline, fee Free. Keywords: SCHUFA, credit score, Bonitätsauskunft, credit check, Schufa Auskunft
- [Tax Declaration (Steuererklärung) (Steuererklärung einreichen)](https://myclario.app/guides/de/steuererklarung): tax procedure — 5 steps, no strict deadline, fee Free. Keywords: Steuererklärung, tax return, tax declaration, income tax, Einkommensteuererklärung
- [Housing Benefit (Wohngeld) (Wohngeld beantragen)](https://myclario.app/guides/de/wohngeld): housing procedure — 4 steps, no strict deadline, fee Free. Keywords: Wohngeld, housing benefit Germany, Mietzuschuss, rent subsidy, Wohngeldbehörde

### 🇪🇸 Spain

- [Spanish tenancy termination (Finalización del contrato de arrendamiento)](https://myclario.app/guides/es/arrendamiento_finalizacion): housing procedure — 4 steps, 30-day deadline, fee N/A. Keywords: arrendamiento, fin contrato alquiler, Spanish rental termination, LAU, Ley Arrendamientos Urbanos
- [Right to a basic payment account (cuenta de pago básica) (Derecho a una cuenta de pago básica)](https://myclario.app/guides/es/basic_account_right): financial procedure — 0 steps, 10-day deadline, fee N/A. Keywords: cuenta de pago básica, derecho a cuenta básica España, right to a basic account Spain, RD-Ley 19/2017, ASNEF refus cuenta
- [Index of regional IRPF deductions across all 17 Spanish autonomous communities (Índice de deducciones autonómicas IRPF (17 CCAA + 2 Ciudades Autónomas))](https://myclario.app/guides/es/ccaa_deductions_index): tax procedure — 0 steps, no strict deadline, fee N/A. Keywords: CCAA, deducciones autonómicas, regional deductions, IRPF
- [Address Registration (Empadronamiento) (Empadronamiento — Alta en el Padrón Municipal)](https://myclario.app/guides/es/empadronamiento): housing procedure — 4 steps, no strict deadline, fee Free. Keywords: empadronamiento, padrón municipal, address registration Spain, Volante de Empadronamiento, census registration Spain
- [Traffic-fine appeal (DGT) (Recurso contra multa de tráfico)](https://myclario.app/guides/es/dgt_multa_recurso): vehicle procedure — 0 steps, 30-day deadline, fee N/A. Keywords: DGT, multa tráfico, recurso multa, expediente sancionador tráfico, LSV
- [Padrón Municipal application (Solicitud de empadronamiento)](https://myclario.app/guides/es/empadronamiento_solicitud): local_registration procedure — 0 steps, no strict deadline, fee N/A. Keywords: empadronamiento, padrón, padrón municipal, empadronamiento solicitud, certificado empadronamiento
- [Foreign-degree recognition (homologación) (Homologación de títulos extranjeros)](https://myclario.app/guides/es/homologacion_titulos): education procedure — 0 steps, 180-day deadline, fee N/A. Keywords: homologación, homologacion títulos, equivalencia título extranjero, Ministerio Universidades homologación, homologacion titulos
- [Free legal aid (justicia gratuita) (Solicitud de justicia gratuita)](https://myclario.app/guides/es/justicia_gratuita_solicitud): justice procedure — 0 steps, no strict deadline, fee N/A. Keywords: justicia gratuita, asistencia jurídica gratuita, abogado de oficio, procurador de oficio, Comisión Asistencia Jurídica
- [NIE / TIE application (foreigner identity) (Solicitud NIE / TIE)](https://myclario.app/guides/es/nie_tie_solicitud): immigration procedure — 0 steps, 30-day deadline, fee N/A. Keywords: NIE, TIE, tarjeta de identidad de extranjero, número de identidad de extranjero, Oficina de Extranjería
- [SEPE / IMV claim or appeal (Solicitud SEPE / Ingreso Mínimo Vital)](https://myclario.app/guides/es/sepe_imv_solicitud): social procedure — 0 steps, 30-day deadline, fee N/A. Keywords: SEPE, IMV, Ingreso Mínimo Vital, SEPE-1, prestación desempleo
- [SNS — Tarjeta Sanitaria Individual (Tarjeta Sanitaria SNS)](https://myclario.app/guides/es/sns_tarjeta_sanitaria): health procedure — 0 steps, no strict deadline, fee N/A. Keywords: SNS, tarjeta sanitaria, TSI, Sistema Nacional de Salud, tarjeta sanitaria individual
- [Spanish Income Tax (IRPF) Filing & Rectification (Declaración de la Renta — IRPF)](https://myclario.app/guides/es/irpf_renta): tax procedure — 5 steps, no strict deadline, fee Free. Keywords: IRPF, Renta, declaración de la renta, Hacienda, AEAT
- [NIE Number (Foreigner Identity Number) (NIE — Número de Identidad de Extranjero)](https://myclario.app/guides/es/nie): visa procedure — 5 steps, 90-day deadline, fee EUR12.36. Keywords: NIE, Número de Identidad de Extranjero, foreigner number Spain, NIE number, cita previa NIE
- [Energy Ombudsman (ES — CNMC reclamaciones energía) (CNMC reclamaciones energía)](https://myclario.app/guides/es/ombudsman_energy): financial procedure — 0 steps, 30-day deadline, fee N/A. Keywords: ombudsman energy, CNMC reclamación, reclamación factura luz, reclamación factura gas, Iberdrola Endesa Naturgy reclamación
- [Telecom Ombudsman (ES — OAUC) (Oficina de Atención al Usuario de Telecomunicaciones)](https://myclario.app/guides/es/ombudsman_telecom): financial procedure — 0 steps, 30-day deadline, fee N/A. Keywords: ombudsman telecom, OAUC, Usuarios Teleco, reclamación operador móvil, Movistar Vodafone Orange reclamación
- [Social Security & Health Card (Tarjeta Sanitaria) (Seguridad Social y Tarjeta Sanitaria)](https://myclario.app/guides/es/seguridad_social): healthcare procedure — 4 steps, no strict deadline, fee Free. Keywords: Seguridad Social Spain, Tarjeta Sanitaria, health card Spain, TSI, social security Spain

### 🇫🇷 France

- [Right to a bank account (droit au compte) (Droit au compte bancaire)](https://myclario.app/guides/fr/basic_account_right): financial procedure — 0 steps, 1-day deadline, fee N/A. Keywords: droit au compte, right to a bank account France, PAD France, FICP refus compte, Banque de France compte
- [Housing Benefits & Family Allowances (CAF) (Aides au logement et allocations familiales (CAF))](https://myclario.app/guides/fr/caf): housing procedure — 5 steps, no strict deadline, fee Free. Keywords: CAF, APL, aide au logement, housing benefit France, allocations familiales
- [CPAM reimbursement claim (Réclamation auprès de la CPAM)](https://myclario.app/guides/fr/cpam_reclamation): health procedure — 0 steps, 730-day deadline, fee N/A. Keywords: CPAM, CPAM remboursement, Sécurité sociale France, reclamation CPAM, feuille de soins
- [Legal aid (aide juridictionnelle) (Aide juridictionnelle)](https://myclario.app/guides/fr/aide_juridictionnelle): justice procedure — 0 steps, no strict deadline, fee N/A. Keywords: aide juridictionnelle, aide juridique, BAJ, Cerfa 16146, aide_juridictionnelle
- [Foreign-licence exchange via ANTS (Échange de permis de conduire étranger via ANTS)](https://myclario.app/guides/fr/ants_permis_conduire): vehicle procedure — 0 steps, 365-day deadline, fee N/A. Keywords: ANTS, permis de conduire échange, permis_de_conduire, échange permis étranger, permis EU France
- [Mairie domicile attestation (Attestation de domicile / récépissé)](https://myclario.app/guides/fr/attestation_domicile_mairie): local_registration procedure — 0 steps, no strict deadline, fee N/A. Keywords: mairie, attestation domicile, attestation hébergement, justificatif domicile mairie, récépissé domicile
- [Crèche / EAJE admission appeal (Recours admission crèche / EAJE)](https://myclario.app/guides/fr/creche_inscription_appel): education procedure — 0 steps, 60-day deadline, fee N/A. Keywords: crèche inscription, EAJE admission, recours crèche, place crèche refus, creche inscription appel
- [Residence-permit renewal (titre de séjour) (Renouvellement du titre de séjour)](https://myclario.app/guides/fr/titre_de_sejour_renouvellement): immigration procedure — 0 steps, 60-day deadline, fee N/A. Keywords: titre de séjour, titre_de_sejour, renouvellement titre, préfecture étrangers, récépissé séjour
- [Rent increase challenge (IRL ceiling) (Contestation de l'augmentation de loyer (plafond IRL))](https://myclario.app/guides/fr/loyer_augmentation): housing procedure — 4 steps, 30-day deadline, fee N/A. Keywords: augmentation loyer, rent increase France, IRL, indice de référence des loyers, loi 89-462
- [Mutuelle top-up claim (after CPAM reimbursement) (Demande de complément mutuelle)](https://myclario.app/guides/fr/mutuelle_complement): health procedure — 0 steps, 730-day deadline, fee N/A. Keywords: mutuelle, mutuelle complément, private health France, complémentaire santé, tiers payant
- [Energy Ombudsman (FR — médiateur national de l’énergie) (Médiateur national de l’énergie)](https://myclario.app/guides/fr/ombudsman_energy): financial procedure — 0 steps, 60-day deadline, fee N/A. Keywords: ombudsman energy, médiateur de l'énergie, médiateur national de l'énergie, litige fournisseur électricité, litige fournisseur gaz
- [Telecom Ombudsman (FR — médiateur des communications électroniques) (Médiateur des communications électroniques)](https://myclario.app/guides/fr/ombudsman_telecom): financial procedure — 0 steps, 60-day deadline, fee N/A. Keywords: ombudsman telecom, médiateur des communications électroniques, litige opérateur télécom, Orange Free SFR Bouygues litige, MTC
- [Social Security & Health Insurance (Sécurité sociale) (Inscription à la Sécurité sociale (Assurance Maladie))](https://myclario.app/guides/fr/securite_sociale): healthcare procedure — 5 steps, 90-day deadline, fee Free. Keywords: Sécurité sociale, Assurance Maladie, CPAM, Ameli, Carte Vitale
- [Residence Permit (Titre de séjour) (Titre de séjour — Demande et renouvellement)](https://myclario.app/guides/fr/titre_de_sejour): visa procedure — 5 steps, -60-day deadline, fee EUR225. Keywords: titre de séjour, carte de séjour, residence permit France, Passeport Talent, visa France

### 🇬🇧 United Kingdom

- [Biometric Residence Permit (BRP) & Visa](https://myclario.app/guides/gb/brp): visa procedure — 5 steps, 10-day deadline, fee GBP719. Keywords: BRP, biometric residence permit, UK visa, Skilled Worker visa, work permit UK
- [Council Tax Registration](https://myclario.app/guides/gb/council_tax): housing procedure — 4 steps, 14-day deadline, fee GBP2100. Keywords: Council Tax, council tax registration, local tax UK, property tax UK, council tax band
- [NHS Registration (GP & Health Services)](https://myclario.app/guides/gb/nhs): healthcare procedure — 5 steps, no strict deadline, fee Free. Keywords: NHS registration, GP registration, register doctor UK, NHS number, NHS App

### 🇮🇹 Italy

- [ASL ticket / health-charge complaint (Reclamo all'ASL)](https://myclario.app/guides/it/asl_reclamo): health procedure — 0 steps, 60-day deadline, fee N/A. Keywords: ASL, ASL reclamo ticket, health insurance Italy, ticket sanitario, Servizio sanitario nazionale
- [Right to a Basic Account (Conto di Base) (Diritto al Conto di Base)](https://myclario.app/guides/it/basic_account_right): financial procedure — 0 steps, 10-day deadline, fee N/A. Keywords: Conto di Base, right to a basic account Italy, D.Lgs. 37/2017, PAD Italy, CRIF rifiuto conto
- [Tax Code (Codice Fiscale) (Codice Fiscale — Richiesta)](https://myclario.app/guides/it/codice_fiscale): tax procedure — 4 steps, no strict deadline, fee Free. Keywords: Codice Fiscale, tax code Italy, fiscal code, tax number Italy, Agenzia delle Entrate
- [Italian rental termination (disdetta) (Disdetta del contratto di locazione)](https://myclario.app/guides/it/disdetta_locazione): housing procedure — 4 steps, 180-day deadline, fee N/A. Keywords: disdetta, disdetta locazione, rental termination Italy, L. 431/1998, recesso contratto locazione
- [Medical-invoice IRPEF deduction (19%) (Detrazione IRPEF 19% spese sanitarie)](https://myclario.app/guides/it/fattura_sanitaria_rimborso): tax procedure — 0 steps, no strict deadline, fee N/A. Keywords: fattura sanitaria, fattura sanitaria detrazione, fattura sanitaria rimborso, IRPEF spese sanitarie, detrazione 19% spese mediche
- [Social Security & Healthcare (INPS & SSN) (INPS e Servizio Sanitario Nazionale)](https://myclario.app/guides/it/inps): healthcare procedure — 5 steps, no strict deadline, fee Free. Keywords: INPS, social security Italy, SSN, Servizio Sanitario Nazionale, ASL
- [INPS social security complaint (Reclamo INPS)](https://myclario.app/guides/it/inps_reclamo): health procedure — 0 steps, 90-day deadline, fee N/A. Keywords: INPS, INPS reclamo, Italian social security, Comitati provinciali INPS, ricorso INPS
- [Anagrafe residence registration (Iscrizione anagrafica / cambio residenza)](https://myclario.app/guides/it/anagrafe_residenza): local_registration procedure — 0 steps, 20-day deadline, fee N/A. Keywords: anagrafe, anagrafe residenza, iscrizione anagrafica, cambio residenza, ANPR
- [Foreign-degree equivalence (equipollenza) (Equipollenza di titoli di studio esteri)](https://myclario.app/guides/it/equipollenza_titoli): education procedure — 0 steps, 90-day deadline, fee N/A. Keywords: equipollenza, equipollenza titoli, Dichiarazione di Valore, DV titolo estero, riconoscimento titolo estero
- [Traffic-fine appeal to Justice of the Peace (Ricorso al Giudice di Pace)](https://myclario.app/guides/it/multa_ricorso_giudice_pace): vehicle procedure — 0 steps, 30-day deadline, fee N/A. Keywords: multa, ricorso multa, Giudice di Pace, verbale violazione, Codice della Strada 204-bis
- [NASpI — unemployment benefit (NASpI Indennità di disoccupazione)](https://myclario.app/guides/it/naspi_inps_disoccupazione): social procedure — 0 steps, 68-day deadline, fee N/A. Keywords: NASpI, INPS disoccupazione, indennità disoccupazione, Jobs Act, SR163
- [Legal aid (Patrocinio a Spese dello Stato) (Patrocinio a Spese dello Stato)](https://myclario.app/guides/it/patrocinio_spese_stato): justice procedure — 0 steps, no strict deadline, fee N/A. Keywords: patrocinio, patrocinio spese stato, gratuito patrocinio, Consiglio Ordine Avvocati, D.P.R. 115/2002
- [Permesso di soggiorno renewal (Questura) (Rinnovo del permesso di soggiorno)](https://myclario.app/guides/it/questura_permesso_rinnovo): immigration procedure — 0 steps, 60-day deadline, fee N/A. Keywords: permesso di soggiorno, permesso, questura, sportello unico immigrazione, rinnovo permesso
- [Energy Ombudsman (IT — Sportello del Consumatore Energia) (Sportello del Consumatore Energia)](https://myclario.app/guides/it/ombudsman_energy): financial procedure — 0 steps, 40-day deadline, fee N/A. Keywords: ombudsman energy, Sportello Consumatore Energia, ARERA, bolletta luce gas reclamo, Enel Eni A2A reclamo
- [Telecom Ombudsman (IT — AGCOM ConciliaWeb) (Conciliazione obbligatoria AGCOM (ConciliaWeb))](https://myclario.app/guides/it/ombudsman_telecom): financial procedure — 0 steps, 45-day deadline, fee N/A. Keywords: ombudsman telecom, ConciliaWeb, AGCOM conciliazione, TIM Vodafone WindTre Iliad reclamo, telefonia mobile reclamo
- [Residence Permit (Permesso di Soggiorno) (Permesso di Soggiorno — Richiesta e rinnovo)](https://myclario.app/guides/it/permesso_di_soggiorno): visa procedure — 5 steps, 8-day deadline, fee EUR16. Keywords: Permesso di Soggiorno, residence permit Italy, Kit Postale, Questura, Sportello Amico

### 🇳🇱 Netherlands

- [Right to a basic bank account (basisbankrekening)](https://myclario.app/guides/nl/basic_account_right): financial procedure — 0 steps, 10-day deadline, fee N/A. Keywords: basisbankrekening, right to a basic bank account Netherlands, Convenant Basisbankrekening, Wft 4:71f, BKR weigering bank
- [Dutch tax appeal (Belastingdienst bezwaar)](https://myclario.app/guides/nl/belastingdienst_bezwaar): tax procedure — 0 steps, 42-day deadline, fee N/A. Keywords: belastingdienst, belastingdienst bezwaar, Dutch tax appeal, AWR Art 23, Awb 7:1
- [BSN Number (Citizen Service Number)](https://myclario.app/guides/nl/bsn): visa procedure — 3 steps, 5-day deadline, fee Free. Keywords: BSN, Burgerservicenummer, citizen service number, Dutch tax number, Gemeente registration
- [DigiD (Digital Identity)](https://myclario.app/guides/nl/digid): visa procedure — 4 steps, no strict deadline, fee Free. Keywords: DigiD, digital identity Netherlands, Dutch digital ID, government login Netherlands, Belastingdienst login
- [Own-risk (eigen risico) charge dispute](https://myclario.app/guides/nl/eigen_risico_dispute): health procedure — 0 steps, 42-day deadline, fee N/A. Keywords: eigen risico, eigen risico bezwaar, Dutch insurance deductible, Zvw eigen risico, deductible Netherlands
- [BRP municipal registration](https://myclario.app/guides/nl/brp_inschrijving): local_registration procedure — 0 steps, 5-day deadline, fee N/A. Keywords: BRP, BRP inschrijving, inschrijving gemeente, RNI, basisregistratie personen
- [IND objection (residence permit)](https://myclario.app/guides/nl/ind_bezwaar): immigration procedure — 0 steps, 28-day deadline, fee N/A. Keywords: IND bezwaar, verblijfsvergunning bezwaar, Vreemdelingenwet 79, IND besluit, VVR bezwaar
- [Kinderopvangtoeslag objection](https://myclario.app/guides/nl/kinderopvang_bezwaar): education procedure — 0 steps, 42-day deadline, fee N/A. Keywords: kinderopvangtoeslag, kinderopvang bezwaar, Wet kinderopvang, Toeslagenaffaire herstel, UHT
- [Mulder traffic-fine / BPM tax objection](https://myclario.app/guides/nl/mulder_bpm_bezwaar): vehicle procedure — 0 steps, 42-day deadline, fee N/A. Keywords: Mulder, Mulder bekeuring, Wahv, BPM, BPM aanslag
- [Subsidised legal aid (toevoeging)](https://myclario.app/guides/nl/rechtsbijstand_aanvraag): justice procedure — 0 steps, no strict deadline, fee N/A. Keywords: rechtsbijstand, toevoeging, rechtsbijstand aanvraag, gesubsidieerde rechtsbijstand, Raad voor Rechtsbijstand
- [Energy Ombudsman (NL — Geschillencommissie Energie)](https://myclario.app/guides/nl/ombudsman_energy): financial procedure — 0 steps, 42-day deadline, fee N/A. Keywords: ombudsman energy, Geschillencommissie Energie, energieleverancier klacht, Eneco Vattenfall Essent klacht, ACM klacht
- [Telecom Ombudsman (NL — Geschillencommissie Telecom)](https://myclario.app/guides/nl/ombudsman_telecom): financial procedure — 0 steps, 42-day deadline, fee N/A. Keywords: ombudsman telecom, Geschillencommissie Telecom, KPN Vodafone Odido Tele2 klacht, Telecommunicatiewet 12.1
- [WOZ valuation appeal](https://myclario.app/guides/nl/woz_bezwaar): housing procedure — 4 steps, 42-day deadline, fee N/A. Keywords: WOZ, WOZ bezwaar, WOZ appeal Netherlands, Wet WOZ, property valuation Netherlands
- [Health insurer objection (zorgverzekeraar bezwaar)](https://myclario.app/guides/nl/zorgverzekeraar_bezwaar): health procedure — 0 steps, 42-day deadline, fee N/A. Keywords: zorgverzekeraar, zorgverzekeraar bezwaar, health insurance Netherlands, Zorgverzekeringswet, SKGZ
- [Health Insurance (Zorgverzekering)](https://myclario.app/guides/nl/zorgverzekering): healthcare procedure — 4 steps, 120-day deadline, fee EUR140. Keywords: zorgverzekering, health insurance Netherlands, Dutch health insurance, basispakket, zorgtoeslag

### 🇵🇹 Portugal

- [Tax Number (NIF)](https://myclario.app/guides/pt/nif): tax procedure — 3 steps, no strict deadline, fee Free. Keywords: NIF, Número de Identificação Fiscal, tax number Portugal, Portuguese tax ID, Finanças
- [Residence Permit (Autorização de Residência)](https://myclario.app/guides/pt/residencia): visa procedure — 4 steps, no strict deadline, fee EUR83. Keywords: autorização de residência, residence permit Portugal, SEF, AIMA, Portuguese residence card
- [Health System Registration (SNS)](https://myclario.app/guides/pt/sns): healthcare procedure — 4 steps, no strict deadline, fee Free. Keywords: SNS, Serviço Nacional de Saúde, health system Portugal, Centro de Saúde, médico de família

### 🇬🇧 United Kingdom

- [Right to a basic bank account (Payment Accounts Regulations 2015)](https://myclario.app/guides/uk/basic_account_right): financial procedure — 0 steps, 10-day deadline, fee N/A. Keywords: basic bank account UK, Payment Accounts Regulations 2015, right to a basic bank account UK, FOS complaint bank account, FCA basic account
- [Financial Ombudsman Service (FOS) Complaint Referral](https://myclario.app/guides/uk/fos_complaint): legal procedure — 5 steps, 180-day deadline, fee Free. Keywords: FOS, Financial Ombudsman, complaint, DISP, ICOBS
- [HMRC P87 — Tax Relief on Employment Expenses](https://myclario.app/guides/uk/hmrc_p87): tax procedure — 4 steps, 1461-day deadline, fee Free. Keywords: P87, employment expenses, tax relief, HMRC, working from home
- [Tenancy deposit dispute (DPS / TDS / MyDeposits)](https://myclario.app/guides/uk/landlord_deposit_dispute): housing procedure — 4 steps, 30-day deadline, fee N/A. Keywords: tenancy deposit, deposit dispute, DPS, TDS, MyDeposits
- [Refund of NHS prescription / dental / optical charges](https://myclario.app/guides/uk/nhs_charges_claim): health procedure — 4 steps, 90-day deadline, fee Free. Keywords: NHS refund, FP57, FP64, HC1, HC2
- [Energy Ombudsman (UK)](https://myclario.app/guides/uk/ombudsman_energy): financial procedure — 0 steps, 56-day deadline, fee N/A. Keywords: ombudsman energy, Energy Ombudsman UK, Ofgem complaint, British Gas EDF Octopus complaint, deadlock letter energy
- [Communications Ombudsman (UK)](https://myclario.app/guides/uk/ombudsman_telecom): financial procedure — 0 steps, 56-day deadline, fee N/A. Keywords: ombudsman telecom, Communications Ombudsman, Ofcom complaint, BT EE O2 Vodafone Three complaint, deadlock letter telecom
- [Private Medical Insurance Claim (BUPA, AXA Health, Vitality, etc.)](https://myclario.app/guides/uk/pmi_claim): health procedure — 5 steps, 90-day deadline, fee Free. Keywords: PMI, private medical insurance, BUPA, AXA Health, Vitality
- [Tenancy Deposit Protection (TDS / DPS / mydeposits)](https://myclario.app/guides/uk/tenancy_deposit): housing procedure — 4 steps, 30-day deadline, fee Free. Keywords: deposit, tenancy deposit, TDS, DPS, mydeposits
- [Council Tax registration / discount](https://myclario.app/guides/uk/council_tax_registration): local_registration procedure — 0 steps, 21-day deadline, fee N/A. Keywords: Council Tax, Council Tax registration, Council Tax discount, single person discount, council_tax registration
- [EU Settlement Scheme — settled status / pre-settled upgrade](https://myclario.app/guides/uk/euss_settled_status): immigration procedure — 0 steps, no strict deadline, fee N/A. Keywords: EUSS, EU Settlement Scheme, settled status, pre-settled status, Appendix EU
- [Money Claim Online — Letter Before Claim](https://myclario.app/guides/uk/mcol_letter_before_claim): justice procedure — 0 steps, 14-day deadline, fee N/A. Keywords: MCOL, Money Claim Online, Letter Before Claim, CPR Pre-Action, small claims court UK
- [Penalty Charge Notice / ULEZ representations](https://myclario.app/guides/uk/pcn_ulez_contest): vehicle procedure — 0 steps, 28-day deadline, fee N/A. Keywords: PCN, Penalty Charge Notice, ULEZ, parking ticket UK, London Tribunals
- [School admission appeal (Independent Appeal Panel)](https://myclario.app/guides/uk/school_admission_appeal): education procedure — 0 steps, 40-day deadline, fee N/A. Keywords: school admission appeal, school admission, Independent Appeal Panel, School Standards Framework Act 94, school appeal UK
- [Universal Credit Mandatory Reconsideration](https://myclario.app/guides/uk/universal_credit_appeal): social procedure — 0 steps, 30-day deadline, fee N/A. Keywords: Universal Credit, Mandatory Reconsideration, DWP appeal, Universal Credit appeal, habitual residence test

## Citation Policy

All content is reviewed by the Clario Editorial Team and cites official legal sources (gesetze-im-internet.de, service.berlin.de, boe.es, etc.) where applicable. `lastVerified` date is shown on every guide. When citing Clario content, please include the guide URL and attribute to "Clario".

## Contact

- Editorial: contact@myclario.app
- Website: https://myclario.app