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Who interest or dividends at the Consorsbank receives, in principle, must pay taxes.
But with one Exemption order you can secure part of your capital income tax -free – up to 1,000 euros per year For singles and 2,000 euros for couples. Without this order, the bank automatically pulls the Flat -rate tax velvet Solidarity surcharge and possibly church tax away.
How to get the exemption order at the Consorsbank Set up quickly and easily, we explain to you here.
Create an exemption order online at the Consorsbank
The easiest way to store or change your exemption order is online banking. Follow these steps:
1. Log into online banking
- Open the Consorsbank website.
- Click on the top right “Login”.
- Enter your access data and register.
2. Navigate to the area of ”exemption”
- Drive over with the mouse “My account & depot”.
- Select the point in the drop-down menu “Steer”.
- Then click on “Exemption”.
3. Create a new exemption order
- Click on “Create a new exemption order”.
- Enter the amount you want to release:
- Up to 1,000 euros for individuals.
- Up to 2,000 euros for couples.
- Wear yours Tax identification number (Tax ID).
- Check your information and confirm the order.
4. Change or delete existing exemption order
- If you are your exemption order adjust want to click on that Pen symbol.
- Would you like the order deleteuse that Trash symbol.
- In both cases you have to make the changes with a TAN or SecurePlus app approval confirm.
As soon as your exemption order is saved, it automatically applies to all investment income that is via the Consorsbank incite.
Exemption order Manage via the Consorsbank app
You can also quickly and easily via the Consorsbank app adjust. This is how it works:
1. Open and register the app
- Start the Consorsbank app on your smartphone or tablet.
- Register with your access data.
2. Go to the tax area
- Tap that Profile symbol Or call the Profile tab on.
- Select the point “Tax” out of.
- Then tap “Exemption order”.
3. Create, change or delete order
- Create a new order: Select the option and enter the desired amount and your tax ID.
- Make changes: Tap the existing order and adjust the amount.
- Delete: If you want to remove the exemption order, you can also do this with just a few clicks.
As in online banking, changes with a TAN or SecurePlus app approval be confirmed.
Important information on the exemption order
- Tax ID required: Without yours Tax identification number cannot be set up. If you don’t know your tax ID, you can find them on yours Wage tax certificate or the tax assessment.
- Only applies to the Consorsbank: The exemption order refers exclusively to capital gains that you Accounts or depots at the Consorsbank receive.
- Note the maximum amount: Overall, they can maximum 1,000 euros (singles) or 2,000 euros (couple) Exemption – even if you distribute the amount to several banks.
- No retroactive protection: The exemption order only applies to future investment income. You can only use the taxes with the Tax return Bring back.
- Changes possible at any time: You can do the exemption order at any time Adjust or delete – Both online and in the app.
What happens if you do not set up an exemption order?
If you have not deposited any exemption order, will be All capital gains automatically taxed. Specifically, this means:
- The bank pulls 25 % flat tax away.
- In addition, fall 5.5 % solidarity surcharge to.
- If you are subject to church tax, one comes depending on the federal state Church tax of 8 % or 9 % In addition.
Only with the Tax return You can get back too much tax paid – which means additional effort.
Conclusion: Is an exemption order worthwhile?
Yes, absolutely! Anyone who achieves capital gains should be one Exemption order furnish. This not only saves the immediate taxation, but also the paperwork in the tax return.
The Consorsbank makes it particularly easy for its customers: the application can be made online or by app in a few minutes. If your financial situation changes or you want to adapt the order, this also works with just a few clicks.
So: Optimally use your saver’s lump sum and now set up your exemption order.