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 WHT Funds & ETFs

Browse popular ETFs and funds that distribute dividends subject to withholding tax. Understanding the WHT rate of your fund's domicile country is key to maximizing your tax recovery.

Why does fund domicile matter?

The withholding tax rate depends on where the fund is domiciled, not where its holdings are. Ireland and Luxembourg are popular fund domiciles due to favorable tax treaties. US-domiciled ETFs typically withhold 30% (or 15% with treaty) on dividends paid to non-US investors. You may be able to reclaim part of this withheld tax depending on your country of residence and applicable treaties.

Showing 68 of 68 funds

Ticker	ISIN	Fund Name	Type	Domicile	WHT Rate	Asset Class
VAS	AU000000VAS5	Vanguard Australian Shares ETF	ETF	🇦🇺Australia	30%	Australian Equity
VHY	AU000000VHY4	Vanguard Australian Shares High Yield ETF	ETF	🇦🇺Australia	30%	Australian High Dividend
STW	AU000000STW9	SPDR S&P/ASX 200 Fund	ETF	🇦🇺Australia	30%	Australian Equity
XIC	CA46428R1038	iShares Core S&P/TSX Capped Composite ETF	ETF	🇨🇦Canada	25%	Canadian Equity
VCN	CA92190G1046	Vanguard FTSE Canada All Cap ETF	ETF	🇨🇦Canada	25%	Canadian Equity
XDV	CA46428B2003	iShares Canadian Select Dividend ETF	ETF	🇨🇦Canada	25%	Canadian High Dividend
LYMS	FR0010315770	Amundi CAC 40 UCITS ETF (FR)	UCITS ETF	🇫🇷France	12.8%	French Equity
TNO	FR0007052782	Lyxor CAC 40 (DR) UCITS ETF	UCITS ETF	🇫🇷France	12.8%	French Equity
EXS1	DE0005933931	iShares Core DAX UCITS ETF	UCITS ETF	🇩🇪Germany	26.375%	German Equity
EXW1	DE000A0F5UF5	iShares NASDAQ-100 UCITS ETF (DE)	UCITS ETF	🇩🇪Germany	26.375%	US Technology
EXV6	DE000A0D8Q07	iShares STOXX Europe 600 UCITS ETF (DE)	UCITS ETF	🇩🇪Germany	26.375%	European Equity
DXET	DE000ETFL011	Deka DAX UCITS ETF	UCITS ETF	🇩🇪Germany	26.375%	German Equity
VWRL	IE00B3RBWM25	Vanguard FTSE All-World UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Global Equity
VUSA	IE00B3XXRP09	Vanguard S&P 500 UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US Equity
VHYL	IE00B8GKDB10	Vanguard FTSE All-World High Dividend Yield UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Global High Dividend
VWCE	IE00BK5BQT80	Vanguard FTSE All-World UCITS ETF (Acc)	UCITS ETF	🇮🇪Ireland	0%	Global Equity
VEUR	IE00B945VV12	Vanguard FTSE Developed Europe UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	European Equity
VFEM	IE00B3VVMM84	Vanguard FTSE Emerging Markets UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Emerging Markets
VUAA	IE00BFMXXD54	Vanguard S&P 500 UCITS ETF (Acc)	UCITS ETF	🇮🇪Ireland	0%	US Equity
IWDA	IE00B4L5Y983	iShares Core MSCI World UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Global Equity
CSPX	IE00B5BMR087	iShares Core S&P 500 UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US Equity
EIMI	IE00BKM4GZ66	iShares Core MSCI EM IMI UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Emerging Markets
SWDA	IE00B4L5Y983	iShares Core MSCI World UCITS ETF (Acc)	UCITS ETF	🇮🇪Ireland	0%	Global Equity
IEEM	IE00B0M63177	iShares MSCI EM UCITS ETF (Dist)	UCITS ETF	🇮🇪Ireland	0%	Emerging Markets
IDVY	IE00B0M62S72	iShares Euro Dividend UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	European High Dividend
IUKD	IE00B0M63060	iShares UK Dividend UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	UK High Dividend
IHYG	IE00B66F4759	iShares Euro High Yield Corp Bond UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	High Yield Bonds
IEDY	IE00B652H904	iShares Emerging Markets Dividend UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	EM High Dividend
SPYD	IE00B6YX5D40	SPDR S&P US Dividend Aristocrats UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US High Dividend
SPYW	IE00B5M1WJ87	SPDR S&P Euro Dividend Aristocrats UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	European High Dividend
GLDV	IE00B9CQXS71	SPDR S&P Global Dividend Aristocrats UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	Global High Dividend
SPYV	IE00BWBXM385	SPDR S&P 500 Value UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US Value
EQQQ	IE0032077012	Invesco EQQQ Nasdaq-100 UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US Technology
HDLV	IE00BKPT2S34	Invesco S&P 500 High Dividend Low Volatility UCITS ETF	UCITS ETF	🇮🇪Ireland	0%	US High Dividend
1306	JP3027630007	NEXT FUNDS TOPIX ETF	ETF	🇯🇵Japan	15.315%	Japanese Equity
1321	JP3027620008	NEXT FUNDS Nikkei 225 ETF	ETF	🇯🇵Japan	15.315%	Japanese Equity
X500	LU0490618542	Xtrackers S&P 500 Swap UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	US Equity
XDWL	LU0274208692	Xtrackers MSCI World Swap UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Global Equity
XMEM	LU0292107645	Xtrackers MSCI Emerging Markets Swap UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Emerging Markets
XDAX	LU0274211480	Xtrackers DAX UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	German Equity
XMEU	LU0274209237	Xtrackers Euro Stoxx 50 UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	European Equity
XDJP	LU0274209740	Xtrackers Nikkei 225 UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Japanese Equity
UBUM	LU0629459743	UBS ETF MSCI World UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Global Equity
UBUS	LU0950668870	UBS ETF S&P 500 UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	US Equity
UBEM	LU0480132876	UBS ETF MSCI Emerging Markets UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Emerging Markets
CW8	LU1681043599	Amundi MSCI World UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Global Equity
500	LU1681048804	Amundi S&P 500 UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	US Equity
AEEM	LU1681045370	Amundi MSCI Emerging Markets UCITS ETF	UCITS ETF	🇱🇺Luxembourg	0%	Emerging Markets
INGA	NL0011821202	VanEck Vectors AEX UCITS ETF	UCITS ETF	🇳🇱Netherlands	15%	Dutch Equity
SMMCHA	CH0008899764	UBS ETF SMI (CHF)	ETF	🇨🇭Switzerland	35%	Swiss Equity
SPICHA	CH0131872431	UBS ETF SPI (CHF)	ETF	🇨🇭Switzerland	35%	Swiss Equity
VTI	US9229087690	Vanguard Total Stock Market ETF	ETF	🇺🇸United States	30%	US Equity
VOO	US9229083632	Vanguard S&P 500 ETF	ETF	🇺🇸United States	30%	US Equity
VYM	US9219464065	Vanguard High Dividend Yield ETF	ETF	🇺🇸United States	30%	US High Dividend
VIG	US9219088443	Vanguard Dividend Appreciation ETF	ETF	🇺🇸United States	30%	US Dividend Growth
VT	US9220427424	Vanguard Total World Stock ETF	ETF	🇺🇸United States	30%	Global Equity
VEA	US9219438580	Vanguard FTSE Developed Markets ETF	ETF	🇺🇸United States	30%	Developed Markets ex-US
VWO	US9220428588	Vanguard FTSE Emerging Markets ETF	ETF	🇺🇸United States	30%	Emerging Markets
VXUS	US9219097683	Vanguard Total International Stock ETF	ETF	🇺🇸United States	30%	International Equity
SPY	US78462F1030	SPDR S&P 500 ETF Trust	ETF	🇺🇸United States	30%	US Equity
QQQ	US46090E1038	Invesco QQQ Trust	ETF	🇺🇸United States	30%	US Technology
IVV	US4642872000	iShares Core S&P 500 ETF	ETF	🇺🇸United States	30%	US Equity
IEMG	US46434G1031	iShares Core MSCI Emerging Markets ETF	ETF	🇺🇸United States	30%	Emerging Markets
EFA	US4642874659	iShares MSCI EAFE ETF	ETF	🇺🇸United States	30%	Developed Markets ex-US
SCHD	US8085247976	Schwab US Dividend Equity ETF	ETF	🇺🇸United States	30%	US High Dividend
DVY	US4642872265	iShares Select Dividend ETF	ETF	🇺🇸United States	30%	US High Dividend
HDV	US46429B6719	iShares Core High Dividend ETF	ETF	🇺🇸United States	30%	US High Dividend
NOBL	US74347X8314	ProShares S&P 500 Dividend Aristocrats ETF	ETF	🇺🇸United States	30%	US Dividend Aristocrats

WHT Rate Legend

0% - No withholding (Ireland, Luxembourg)

1-15% - Low withholding

>15% - Higher withholding (may be reclaimable)

Hold any of these funds?

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