What is withholding tax reclaim?

When a foreign company pays you dividends or interest, the source country deducts withholding tax before the payment reaches you. If your country has a double tax treaty with that source country, you may have been overtaxed and are entitled to reclaim the excess. TaxReclaim automates the calculation and generates the official reclaim forms for 20+ countries.

What's the difference between a Foreign Tax Credit and a Withholding Tax Refund?

Foreign Tax Credit (FTC) is claimed on your current year tax return with your home country to reduce domestic tax liability. Withholding Tax Refund is claimed from the source country to recover excess tax above treaty rates, often for 3-5 years of past dividends. You can use both methods: claim the treaty-rate portion as a credit at home, and file for the excess directly with the source country.

How do I claim a Foreign Tax Credit on my annual tax return?

Report gross foreign income (before tax) on your return, then enter foreign tax paid in the double taxation relief section. The credit is capped at the treaty rate (typically 15%) and reduces your domestic tax dollar-for-dollar up to your domestic tax on that income. Example: €1,000 US dividends with €150 withheld - report €1,000 income and claim €150 credit.

How do I claim a Withholding Tax Refund for excess tax?

When source countries withhold more than treaty rates, file for refunds directly. Gather dividend certificates and tax residency proof, calculate excess (e.g., 35% withheld - 15% treaty = 20% refund), file country-specific forms (Form 210 for Spain, R-V1 for Germany, Form 5001 for France), and wait 3-12 months for processing. Most countries allow claims for 3-5 years retroactively.

Can I claim both a Foreign Tax Credit AND a Withholding Tax Refund?

Yes, and you often should! They address different parts of withheld tax. Claim the treaty-compliant portion (e.g., 15%) as Foreign Tax Credit on your annual return, and file for the excess above treaty rate as a WHT Refund with the source country. Example: Switzerland withholds 35% - claim 15% credit at home, reclaim 20% excess from Swiss tax authority.

How do I reclaim Swiss withholding tax on dividends?

Switzerland withholds 35% on dividends paid to foreign investors. If your country has a tax treaty with Switzerland, you can reclaim the excess above the treaty rate (typically 15%). Residents of Spain, Italy, Portugal and other Southern European countries use Form 60; other residents use Form 70. TaxReclaim determines the correct form automatically and generates it as a ready-to-submit PDF.

Which countries can I reclaim withholding tax from?

TaxReclaim supports reclaims from Switzerland, France, Germany, Spain, Portugal, Norway, the USA, the UK, Italy, the Netherlands, Belgium, Austria, Denmark, Sweden, Finland, Luxembourg, Ireland and more — 20+ countries in total.

Is it common for people to not reclaim their eligible taxes?

Yes, billions go unclaimed annually. The IRS reports over $1 billion in unclaimed refunds yearly. Globally, $200 billion in withholding tax is deducted with 25% left unclaimed. In the EU, €8.4 billion per year goes unclaimed. Common reasons include complexity, lack of awareness, and time burden. This creates a 0.5%+ annual drag on portfolio performance.

How much can I potentially recover?

Recovery amounts yield 0.5%+ annual portfolio performance boost. Common recovery rates: Switzerland 35% withheld vs 15% treaty = 20% refund; Germany 26.375% vs 15% = 11.375% refund; France 25% vs 15% = 10% refund; USA 30% vs 15% = 15% refund. On €10,000 annual dividends with 12% average excess, recover €1,200/year or €6,000+ for 5 years retroactively.

What documents do I need?

Typically you'll need: dividend/interest certificates from your broker showing gross amounts and tax withheld, proof of tax residency (certificate from your local tax authority), original tax receipts, identification (passport or national tax ID), and bank account details (IBAN for EU claims). Most brokers can provide annual tax statements that consolidate all this information.

How long does the process take?

Foreign Tax Credits are processed with your annual tax return. WHT Refunds vary by country: Germany 6-12 months, France 3-6 months, Switzerland 6-9 months, USA 6-12 months, Norway 3-6 months. Refunds are sent directly to your bank account once approved.

What are the deadlines for reclaiming withholding tax refunds?

Deadlines vary by country. Most allow 3-5 years from the dividend or interest payment date. Germany: 4 years. France: December 31 of second year following payment. Switzerland: 3 years. Norway: 5 years. USA: 3 years. Important exception: the Netherlands only allows 2 years. Missed deadlines mean permanent loss of your refund.

Is my financial data secure?

Yes. We use 256-bit SSL encryption, the same security standard used by major banks. All data is stored in EU-based data centers, and we are fully GDPR compliant. We never sell or share your personal data with third parties, and you can request complete data deletion at any time.

Do I need to be a tax professional to use TaxReclaim?

No. TaxReclaim is designed for individual investors. Enter your dividend or interest payment details, select the source country, and the platform calculates your refund entitlement and generates the completed official form. The whole process takes around 3 minutes.

Popular Bonds with Interest Payments

Browse popular government and corporate bonds that paid interest during 2024 and 2025. If you hold any of these bonds, you may be eligible to reclaim withholding tax on your interest income.

How does this help you?

When you receive interest payments from foreign bonds, withholding tax is often deducted at source. Depending on tax treaties between countries, you may be able to reclaim part or all of this tax. Check if any bonds you own are listed below, then use our calculator to see how much you could recover.

Showing 54 of 54 bonds

ISIN	Bond Name	Issuer	Country	Coupon	Maturity	Payments 2024	Payments 2025
US91282CHY25	US Treasury 5.0% 2033Semi-Annual	US Treasury	🇺🇸United States	5.00%	31 Oct 2033	Apr 30Oct 31	Apr 30Oct 31
US912810TD00	US Treasury 4.625% 2054Semi-Annual	US Treasury	🇺🇸United States	4.63%	15 May 2054	May 15Nov 15	May 15Nov 15
GB00BNGP6S82	UK Gilt 4.625% 2034Semi-Annual	UK DMO	🇬🇧United Kingdom	4.63%	31 Jan 2034	Jan 31Jul 31	Jan 31Jul 31
IT0005534141	BTP 4.5% 2053Semi-Annual	Italian Treasury	🇮🇹Italy	4.50%	01 Oct 2053	Apr 1Oct 1	Apr 1Oct 1
IT0005560948	BTP 4.35% 2033Semi-Annual	Italian Treasury	🇮🇹Italy	4.35%	01 Nov 2033	May 1Nov 1	May 1Nov 1
US91282CJL54	US Treasury 4.25% 2034Semi-Annual	US Treasury	🇺🇸United States	4.25%	15 Feb 2034	Feb 15Aug 15	Feb 15Aug 15
AU0000176656	Australian Government 4.25% 2034Semi-Annual	Australian Government	🇦🇺Australia	4.25%	21 Apr 2034	Apr 21Oct 21	Apr 21Oct 21
XS2623486492	Volkswagen 4.125% 2031Annual	Volkswagen AG	🇩🇪Germany	4.13%	30 May 2031	May 30	May 30
IT0005544082	BTP Valore 4.1% 2028Quarterly	Italian Treasury	🇮🇹Italy	4.10%	01 Jun 2028	Mar 1Jun 1Sep 1Dec 1	Mar 1Jun 1Sep 1Dec 1
US912810TM08	US Treasury 4.0% 2052Semi-Annual	US Treasury	🇺🇸United States	4.00%	15 Nov 2052	May 15Nov 15	May 15Nov 15
GB00BM8Z2V59	UK Gilt 4.0% 2063Semi-Annual	UK DMO	🇬🇧United Kingdom	4.00%	22 Jan 2063	Jan 22Jul 22	Jan 22Jul 22
CA135087P949	Canada 4.0% 2034Semi-Annual	Government of Canada	🇨🇦Canada	4.00%	01 Jun 2034	Jun 1Dec 1	Jun 1Dec 1
XS2597185547	BMW 4.0% 2031Annual	BMW AG	🇩🇪Germany	4.00%	23 May 2031	May 23	May 23
XS2625238099	TotalEnergies 3.875% 2033Annual	TotalEnergies SE	🇫🇷France	3.88%	07 Jun 2033	Jun 7	Jun 7
XS2594207733	Apple 3.75% 2033Annual	Apple Inc.	🇺🇸United States	3.75%	18 May 2033	May 18	May 18
ES0000012K41	Bono 3.55% 2033Annual	Spanish Treasury	🇪🇸Spain	3.55%	31 Oct 2033	Oct 31	Oct 31
XS2740203025	EIB 3.5% 2034Annual	European Investment Bank	🇪🇺Supranational	3.50%	15 Jan 2034	Jan 15	Jan 15
ES0000012L78	Bono 3.45% 2034Annual	Spanish Treasury	🇪🇸Spain	3.45%	30 Jul 2034	Jul 30	Jul 30
XS2586944016	EU 3.375% 2033Annual	European Union	🇪🇺Supranational	3.38%	04 Oct 2033	Oct 4	Oct 4
XS2572974069	Nestlé 3.375% 2033Annual	Nestlé SA	🇨🇭Switzerland	3.38%	18 Jan 2033	Jan 18	Jan 18
NO0012938621	Norwegian Government 3.25% 2034Annual	Norwegian Government	🇳🇴Norway	3.25%	14 Apr 2034	Apr 14	Apr 14
FR0014003513	OAT 3.0% 2054Annual	French Treasury	🇫🇷France	3.00%	25 May 2054	May 25	May 25
BE0000356650	OLO 3.0% 2034Annual	Belgian Treasury	🇧🇪Belgium	3.00%	22 Jun 2034	Jun 22	Jun 22
AT0000A2VQL8	RAGB 2.9% 2033Annual	Austrian Treasury	🇦🇹Austria	2.90%	20 Feb 2033	Feb 20	Feb 20
PTOTEUOE0034	OT 2.875% 2034Annual	Portuguese Treasury	🇵🇹Portugal	2.88%	21 Jul 2034	Jul 21	Jul 21
FI4000523253	Finnish Government 2.875% 2034Annual	Finnish Government	🇫🇮Finland	2.88%	15 Apr 2034	Apr 15	Apr 15
FR001400F2D4	OAT 2.75% 2030Annual	French Treasury	🇫🇷France	2.75%	25 Feb 2030	Feb 25	Feb 25
NL0015614BC6	DSL 2.75% 2047Annual	Dutch State Treasury	🇳🇱Netherlands	2.75%	15 Jan 2047	Jan 15	Jan 15
CA135087M862	Canada 2.75% 2048Semi-Annual	Government of Canada	🇨🇦Canada	2.75%	01 Dec 2048	Jun 1Dec 1	Jun 1Dec 1
AU0000101792	Australian Government 2.75% 2041Semi-Annual	Australian Government	🇦🇺Australia	2.75%	21 Jun 2041	Jun 21Dec 21	Jun 21Dec 21
DE0001102614	Bundesanleihe 2.6% 2033Annual	German Federal Republic	🇩🇪Germany	2.60%	15 Feb 2033	Feb 15	Feb 15
DE0001102580	Bundesanleihe 2.5% 2033Annual	German Federal Republic	🇩🇪Germany	2.50%	15 Aug 2033	Aug 15	Aug 15
NL0015001FS3	DSL 2.5% 2033Annual	Dutch State Treasury	🇳🇱Netherlands	2.50%	15 Jul 2033	Jul 15	Jul 15
SE0020050417	Swedish Government 2.5% 2041Annual	Swedish National Debt Office	🇸🇪Sweden	2.50%	12 May 2041	May 12	May 12
SE0017133490	Swedish Government 2.25% 2032Annual	Swedish National Debt Office	🇸🇪Sweden	2.25%	01 Jun 2032	Jun 1	Jun 1
XS2478952853	LVMH 2.25% 2032Annual	LVMH	🇫🇷France	2.25%	28 Apr 2032	Apr 28	Apr 28
XS2315782750	Shell 2.0% 2033Annual	Shell plc	🇬🇧United Kingdom	2.00%	08 Mar 2033	Mar 8	Mar 8
DE0001102598	Bundesanleihe 1.8% 2053Annual	German Federal Republic	🇩🇪Germany	1.80%	15 Aug 2053	Aug 15	Aug 15
GB00BFWFPL34	UK Gilt 1.75% 2049Semi-Annual	UK DMO	🇬🇧United Kingdom	1.75%	07 Sept 2049	Mar 7Sep 7	Mar 7Sep 7
NO0010895075	Norwegian Government 1.75% 2030Annual	Norwegian Government	🇳🇴Norway	1.75%	17 Feb 2030	Feb 17	Feb 17
JP1200541K46	JGB 1.7% 2044Semi-Annual	Government of Japan	🇯🇵Japan	1.70%	20 Mar 2044	Mar 20Sep 20	Mar 20Sep 20
BE0000353931	OLO 1.25% 2033Annual	Belgian Treasury	🇧🇪Belgium	1.25%	22 Apr 2033	Apr 22	Apr 22
CH1274305482	Swiss Confederation 1.25% 2034Annual	Swiss Confederation	🇨🇭Switzerland	1.25%	26 Apr 2034	Apr 26	Apr 26
ES0000012H58	Obligacion 1.0% 2050Annual	Spanish Treasury	🇪🇸Spain	1.00%	31 Oct 2050	Oct 31	Oct 31
PTOTEAOE0028	OT 1.0% 2052Annual	Portuguese Treasury	🇵🇹Portugal	1.00%	12 Apr 2052	Apr 12	Apr 12
XS2356022810	Microsoft 1.0% 2032Annual	Microsoft Corp.	🇺🇸United States	1.00%	13 Aug 2032	Aug 13	Aug 13
AT0000A2HLC4	RAGB 0.85% 2120Annual	Austrian Treasury	🇦🇹Austria	0.85%	30 Jun 2120	Jun 30	Jun 30
JP1300661M72	JGB 0.8% 2034Semi-Annual	Government of Japan	🇯🇵Japan	0.80%	20 Mar 2034	Mar 20Sep 20	Mar 20Sep 20
FR0013508470	OAT 0.75% 2052Annual	French Treasury	🇫🇷France	0.75%	25 May 2052	May 25	May 25
DK0009924516	Danish Government 0.75% 2033Annual	Danish Government	🇩🇰Denmark	0.75%	15 Nov 2033	Nov 15	Nov 15
XS2010032022	World Bank 0.75% 2030Annual	World Bank (IBRD)	🌍Supranational	0.75%	28 Jan 2030	Jan 28	Jan 28
FI4000512652	Finnish Government 0.5% 2043Annual	Finnish Government	🇫🇮Finland	0.50%	15 Apr 2043	Apr 15	Apr 15
DK0009924268	Danish Government 0.25% 2031Annual	Danish Government	🇩🇰Denmark	0.25%	15 Nov 2031	Nov 15	Nov 15
CH0557795969	Swiss Confederation 0% 2032Annual	Swiss Confederation	🇨🇭Switzerland	0.00%	22 Jun 2032	—	—

Hold bonds from this list?

Use our tax calculator to see how much withholding tax you could reclaim on your interest income.