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.

Dividend Stocks by Withholding Tax Rate

Browse high-dividend stocks with foreign withholding tax applied at source. Compare rates by country and identify where you have a reclaim opportunity.

How does this help you?

When you receive dividends from foreign companies, 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 shares you own are listed below, then use our calculator to see how much you could recover.

Showing 89 of 89 shares

Ticker	ISIN	Company Name	Country	Sector
BHP	AU000000BHP4	BHP Group Ltd	🇦🇺Australia	Materials
CBA	AU000000CBA7	Commonwealth Bank	🇦🇺Australia	Financials
WBC	AU000000WBC1	Westpac Banking	🇦🇺Australia	Financials
NAB	AU000000NAB4	National Australia Bank	🇦🇺Australia	Financials
WDS	AU000000WDS8	Woodside Energy	🇦🇺Australia	Energy
ABI	BE0974293251	Anheuser-Busch InBev	🇧🇪Belgium	Consumer Staples
KBC	BE0003565737	KBC Group	🇧🇪Belgium	Financials
RY	CA7800871021	Royal Bank of Canada	🇨🇦Canada	Financials
TD	CA8911605092	Toronto-Dominion Bank	🇨🇦Canada	Financials
ENB	CA29250N1050	Enbridge Inc	🇨🇦Canada	Energy
CNR	CA1363751027	Canadian National Railway	🇨🇦Canada	Industrials
BCE	CA05534B7604	BCE Inc	🇨🇦Canada	Telecom
NOVO-B	DK0062498333	Novo Nordisk	🇩🇰Denmark	Healthcare
MAERSK-B	DK0010244508	A.P. Møller-Mærsk	🇩🇰Denmark	Industrials
DSV	DK0060079531	DSV A/S	🇩🇰Denmark	Industrials
CARLB	DK0010181759	Carlsberg A/S	🇩🇰Denmark	Consumer Staples
NOKIA	FI0009000681	Nokia Corporation	🇫🇮Finland	Technology
FORTUM	FI0009007132	Fortum Oyj	🇫🇮Finland	Utilities
SAMPO	FI0009003305	Sampo Oyj	🇫🇮Finland	Financials
TTE	FR0000120271	TotalEnergies SE	🇫🇷France	Energy
SAN	FR0000120578	Sanofi	🇫🇷France	Healthcare
BNP	FR0000131104	BNP Paribas	🇫🇷France	Financials
OR	FR0000120321	L'Oréal	🇫🇷France	Consumer Staples
AI	FR0000120073	Air Liquide	🇫🇷France	Materials
MC	FR0000121014	LVMH	🇫🇷France	Consumer Discretionary
CS	FR0000125338	AXA SA	🇫🇷France	Financials
ORA	FR0000133308	Orange SA	🇫🇷France	Telecom
ALV	DE0008404005	Allianz SE	🇩🇪Germany	Financials
SIE	DE0007236101	Siemens AG	🇩🇪Germany	Industrials
BAS	DE000BASF111	BASF SE	🇩🇪Germany	Materials
DTE	DE0005557508	Deutsche Telekom AG	🇩🇪Germany	Telecom
MBG	DE0007100000	Mercedes-Benz Group AG	🇩🇪Germany	Consumer Discretionary
BMW	DE0005190003	BMW AG	🇩🇪Germany	Consumer Discretionary
MUV2	DE0008430026	Munich Re	🇩🇪Germany	Financials
DHL	DE0005552004	Deutsche Post AG	🇩🇪Germany	Industrials
0005	HK0000069689	HSBC Holdings (HK)	🇭🇰Hong Kong	Financials
0883	CNE1000002Q2	CNOOC Ltd	🇭🇰Hong Kong	Energy
0941	HK0941009539	China Mobile	🇭🇰Hong Kong	Telecom
1398	CNE1000003G1	ICBC	🇭🇰Hong Kong	Financials
ENEL	IT0003128367	Enel SpA	🇮🇹Italy	Utilities
ENI	IT0003132476	Eni SpA	🇮🇹Italy	Energy
ISP	IT0000072618	Intesa Sanpaolo	🇮🇹Italy	Financials
UCG	IT0005239360	UniCredit SpA	🇮🇹Italy	Financials
7203	JP3633400001	Toyota Motor Corp	🇯🇵Japan	Consumer Discretionary
8306	JP3902900004	Mitsubishi UFJ Financial	🇯🇵Japan	Financials
9432	JP3735400008	Nippon Telegraph & Tel	🇯🇵Japan	Telecom
8058	JP3898400001	Mitsubishi Corporation	🇯🇵Japan	Industrials
8316	JP3890350006	Sumitomo Mitsui Financial	🇯🇵Japan	Financials
9433	JP3496400007	KDDI Corporation	🇯🇵Japan	Telecom
ASML	NL0010273215	ASML Holding	🇳🇱Netherlands	Technology
INGA	NL0011821202	ING Groep	🇳🇱Netherlands	Financials
PHIA	NL0000009538	Philips	🇳🇱Netherlands	Healthcare
ABN	NL0011540547	ABN AMRO Bank	🇳🇱Netherlands	Financials
EQNR	NO0010096985	Equinor ASA	🇳🇴Norway	Energy
TEL	NO0010063308	Telenor ASA	🇳🇴Norway	Telecom
DNB	NO0010031479	DNB Bank ASA	🇳🇴Norway	Financials
MOWI	NO0003054108	Mowi ASA	🇳🇴Norway	Consumer Staples
EDP	PTEDP0AM0009	EDP - Energias de Portugal	🇵🇹Portugal	Utilities
GALP	PTGAL0AM0009	Galp Energia	🇵🇹Portugal	Energy
D05	SG1L01001701	DBS Group Holdings	🇸🇬Singapore	Financials
O39	SG1S04926220	OCBC Bank	🇸🇬Singapore	Financials
U11	SG1T75931496	United Overseas Bank	🇸🇬Singapore	Financials
Z74	SG1T75931496	Singtel	🇸🇬Singapore	Telecom
SAN	ES0113900J37	Banco Santander	🇪🇸Spain	Financials
IBE	ES0144580Y14	Iberdrola SA	🇪🇸Spain	Utilities
ITX	ES0148396007	Inditex	🇪🇸Spain	Consumer Discretionary
BBVA	ES0113211835	BBVA	🇪🇸Spain	Financials
TEF	ES0178430E18	Telefónica SA	🇪🇸Spain	Telecom
VOLV-B	SE0000115446	Volvo AB	🇸🇪Sweden	Industrials
ERIC-B	SE0000108656	Ericsson	🇸🇪Sweden	Technology
ATCO-A	SE0017831091	Atlas Copco	🇸🇪Sweden	Industrials
SEB-A	SE0000148884	SEB AB	🇸🇪Sweden	Financials
SWED-A	SE0000242455	Swedbank AB	🇸🇪Sweden	Financials
NESN	CH0038863350	Nestlé SA	🇨🇭Switzerland	Consumer Staples
ROG	CH0012032048	Roche Holding AG	🇨🇭Switzerland	Healthcare
NOVN	CH0012005267	Novartis AG	🇨🇭Switzerland	Healthcare
ZURN	CH0011075394	Zurich Insurance Group	🇨🇭Switzerland	Financials
ABBN	CH0012221716	ABB Ltd	🇨🇭Switzerland	Industrials
UBS	CH0244767585	UBS Group AG	🇨🇭Switzerland	Financials
SHEL	GB00BP6MXD84	Shell plc	🇬🇧United Kingdom	Energy
HSBA	GB0005405286	HSBC Holdings plc	🇬🇧United Kingdom	Financials
BP	GB0007980591	BP plc	🇬🇧United Kingdom	Energy
GSK	GB00BN7SWP63	GSK plc	🇬🇧United Kingdom	Healthcare
BATS	GB0002875804	British American Tobacco	🇬🇧United Kingdom	Consumer Staples
RIO	GB0007188757	Rio Tinto plc	🇬🇧United Kingdom	Materials
VOD	GB00BH4HKS39	Vodafone Group plc	🇬🇧United Kingdom	Telecom
ULVR	GB00B10RZP78	Unilever plc	🇬🇧United Kingdom	Consumer Staples
AZN	GB0009895292	AstraZeneca plc	🇬🇧United Kingdom	Healthcare
GLEN	JE00B4T3BW64	Glencore plc	🇬🇧United Kingdom	Materials

Found shares you own?

Use our tax calculator to see how much withholding tax you could reclaim on your dividend payments.