Tax Guide

Investor tax rules, decoded for CIS residents

Pick your country and instrument to see the US dividend withholding rate, the W-8BEN treaty rate, and your savings. Local taxes in your country apply separately — see the disclaimer below.

Calculate your tax in seconds

Choose your tax residence and instrument — we’ll show you the actual rate and the easiest way to lower it.

Tax residence

What is W-8BEN?

A form filed with your broker to claim reduced withholding rates under a tax treaty. Most brokers handle this electronically during account setup.

These are US tax rates only

The rates shown are the US withholding tax on US-source income (dividends, interest). Your country’s personal income tax on investment income is separate and applies locally — for example, Ukraine adds 19.5% (18% PIT + 1.5% military levy), Germany applies Kapitalertragsteuer (~26.4%), Poland adds Belka tax (19%). Consult a local tax advisor for your total liability.

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Select your country of residence on the left to see personalized withholding rates and treaty benefits.

How the tax guide works

Tax residence first

Pick the country where you spent ≥183 days in the past year. That’s the jurisdiction whose rules apply to your investments.

Instrument matters

US stocks, EU ETFs, bonds and dividends are taxed at different rates. We separate them so you know what you actually owe.

W-8BEN saves money

If your country has a treaty with the US, filing W-8BEN drops the 30% default to 10–15%. Your broker offers it free — sign it once.

Frequently Asked Questions

What is the W-8BEN form?

W-8BEN is a US tax form for non-US investors that allows you to claim reduced withholding rates on US dividends under a tax treaty. Most brokers let you complete it electronically during account setup.

How much tax will I pay on US dividends?

Without a tax treaty, the US withholds 30% of dividends. With W-8BEN and an applicable treaty, this can drop to 10-15% depending on your country of residence.

Do I need to file a US tax return?

Generally, no. If your only US income is dividends from stocks or ETFs held through a broker, the withholding tax is the final tax. However, consult your local tax advisor for your specific situation.

Are EU ETFs taxed differently than US ETFs?

Yes. EU-domiciled ETFs (UCITS) may have different withholding tax implications. Some accumulating ETFs reinvest dividends internally, which can defer tax events. Tax treatment varies by your country of residence.

How often should I renew the W-8BEN form?

The W-8BEN form is valid for 3 years from the date of signing. Your broker will typically remind you when renewal is needed. If you don't renew, the default 30% withholding rate applies.

Now pick a broker that handles the paperwork

Most major brokers auto-collect W-8BEN at signup. Our wizard finds one available in your country in 2 minutes.

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Risk warning

Financial instruments carry the risk of capital loss. 74–89% of retail investors lose money trading CFDs. Assess whether you can afford this risk.