Bank: BankB, Byblos Bank Europe

• To avoid the 30.00% withholding tax, you must provide information about your tax residency outside of Belgium during the account setup. The questions will appear during the onboarding process in online banking and must be confirmed. If you cannot confirm this information, it will not be possible to proceed with the account opening.

Withholding tax rate:
30.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
No documents need to be submitted. Tax residency details will be automatically requested during the account setup process.

Banks: Bulgarian-American Credit Bank, Fibank, International Asset Bank, Investbank, TBI Bank

How to reduce the withholding tax:

• In Bulgaria, a certificate of residence (Form “Wohnsitzbescheinigung”) completed and signed by the investor and their tax office, and a signed “Declaration of the beneficial owner of the income” must be submitted.
• To ensure processing by both German and Bulgarian tax authorities, submit these documents to your tax office only between three and six months before the interest payment date (maturity).
• If you have multiple fixed-term deposits at the same partner bank with the same maturity date, submitting the documents once is sufficient, even if you received separate documentation per deposit.
• If you have fixed-term deposits with different maturity years, documents must be submitted for each calendar year.
• The tax documents required for withholding tax reduction will be provided in your Allianz Online Banking at the beginning of the submission period. We will forward the completed and signed originals to the partner bank free of charge.

Withholding tax rate:
10.00%

Reduced withholding tax rate:
5.00% (creditable via income tax return)

Required documents:
Certificate of residence & Declaration of the beneficial owner of the income

Deadline:
Submit the originals by post to Allianz no later than 6 weeks before the interest payment date (maturity):

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Kompasbank A/S

Withholding tax: No withholding tax is applied in Denmark. Therefore, no proof of tax residency is required.

Banks: Aareal Bank, AKA Ausfuhrkredit-Gesellschaft, Arab Banking Corporation SA, Bankhaus August Lenz, Bankhaus Obotritia, Bankhaus Rautenschlein, Bank11, Bremische Volksbank, Calenberger Kreditverein, Creditplus Bank, Debeka Bausparkasse, Deutsche Pfandbriefbank, EuroExtra, GRENKE Bank, GEFA BANK, Hamburg Commercial Bank, Hanseatic, KT Bank, mediserv Bank, Misr Bank, Münchener Hypothekenbank, NIBC Bank, Otto M. Schröder Bank AG, PEAC BANK, Raiffeisenbank Schaafheim, Raiffeisenbank Straubing, Raiffeisenbank Wittelsbacher Land, SIGNAL IDUNA Bauspar AG, solarisBank, Sparda-Bank Hannover, Sparda-Bank Nürnberg, Südtiroler Sparkasse, UniCredit Bank, Vereinigte Volksbank Raiffeisenbank, Volksbank Marl-Recklinghausen, Volksbank Mittweida, Volksbank Raiffeisenbank Regensburg-Schwandorf, Volksbank Rhein-Ruhr, VR-Bank Rottal-Inn, VR-Bank Mittelfranken Mitte, Yapi Kredi Bank Deutschland

In Germany, or with German partner banks, tax exemption through basic allowances and saver’s allowances is generally possible via a tax exemption order or a non-assessment certificate (NV-Bescheinigung). More information can be found above under “Tax Treatment Information” in the section “Basic Allowances in Germany.” The form for submitting your exemption order is pre-filled and available under “Tax Documents” in your online banking. Allianz will gladly forward your completed and signed form to the partner bank free of charge.

If you wish to submit a non-assessment certificate for tax exemption at German partner banks, Allianz Bank (for trust model accounts), or custodian banks, you may send us a scan of the original. Documents can be submitted via message in your online banking or by email to [email protected].

Important: The respective document must be received at least 28 days before the interest payment date to be considered by the partner bank.

Banks: Aareal Bank, Aion Bank, Arab Banking Corporation SA, Banco do Brasil, Creditplus Bank, Deutsche Pfandbriefbank, EuroExtra, mediserv Bank, Münchener Hypothekenbank, SIGNAL IDUNA Bauspar AG, Hamburg Commercial Bank, AKA Ausfuhrkredit-Gesellschaft

Due to the custodial agreement with Allianz Bank AG, a tax exemption order can only be set up within the Allianz online banking interface under the section "Freistellungsauftrag." This exemption order applies to all banks operating under the custodial model.

Please note that exemption orders cannot be submitted by post and that switching from a joint exemption order to a single-person exemption order within the current tax year is technically not possible.

Banks: Inbank, Coop Pank, Holm Bank, LHV

Withholding tax: No withholding tax is applied in Estonia. Therefore, no proof of tax residency is required.

Banks: Alisa Bank, Oma Savings Bank

Withholding tax: No withholding tax is applied in Finland. Therefore, no proof of tax residency is required.

Banks: Aegean Baltic Bank, Attica Bank

Withholding tax: A non-reduced withholding tax of 15.00% is withheld in Greece. Interest payment and the foreign withholding tax deduction are made once at the end of the term directly by the bank.

Please note that due to technical and organizational limitations, Allianz and the Greek partner banks cannot offer support in the tax processing. Therefore, a reduction of the withholding tax to 10.00% is not possible. However, the 10.00% portion may be creditable in your income tax return. We ask for your understanding.

Special notes on German taxation of custodial model deposits:
Due to the custodial agreement with Allianz Bank AG, tax is also withheld directly in Germany. A tax exemption order can be set up exclusively via the Allianz online banking under the section “Freistellungsauftrag.” This order applies to all banks under the custodial model. Please note that exemption orders cannot be submitted by post and that switching from a joint to a single exemption order within the current tax year is technically not possible.

If you wish to submit a non-assessment certificate for tax exemption with custodial model banks, you may send us the original document.

Alternatively, you can send the non-assessment certificate to the following postal address:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Bank & Clients, FirstSave €uro, Wyelands Bank

Withholding tax: No withholding tax is applied in the United Kingdom. Therefore, no proof of tax residency is required.

Bank: Allied Irish Banks

How to reduce withholding tax:

• In Ireland, a signed “Non-resident Declaration” must be submitted.
• To ensure processing by the Irish tax authorities, please send the original documents by post no later than five weeks before the interest payment date (maturity).
• The documents are required only once for the first fixed-term deposit with Allied Irish Banks. If you extend the term or open additional deposits with the same bank, no resubmission is needed unless your tax residency changes.
• The required form will be made available in your Allianz online banking at the start of the submission window. Once completed and signed, Allianz will forward the original documents to the partner bank free of charge.

Withholding tax rate:
20.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Non-resident Declaration

Deadline:
Send the signed original by post to Allianz no later than five weeks before maturity:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Aigis Banca, Banca CF+, Banca di Cividale, Banca Finint, Banca Ifis, Banca del Fucino, Banca Popolare di Cortona, Banca Popolare Sant’Angelo, Banca Popolare di Fondi, Banca Privata Leasing, Banca Progetto, Banca Promos, Banca Profilo, Banca Sistema, Cherry Bank, Credito Lombardo Veneto, GBM Banca, IBL Banca, illimity, imprebanca, Investitionsbank Trentino-Südtirol, Istituto per il Credito Sportivo, Solution Bank, Tyche Bank S.p.A, Vivibanca

Withholding tax: No withholding tax is applied in Italy. Therefore, no proof of tax residency is required.

Banks: Agram Banka, KentBank, Podravska banka

How to reduce withholding tax:

• A tax form called the “Ansässigkeitsbescheinigung” (Certificate of Residence), signed by both the investor and the tax office, must be submitted.
• To ensure processing by the German and subsequently Croatian tax authorities, submit the documents only within the period of three to six months before the interest payment date (maturity) to your tax office. Documents with an earlier confirmation date will not be accepted.
• If you have multiple fixed-term deposits with the same maturity year at the partner bank, submission is only required once—even if you received separate documents for each deposit.
• For deposits with different maturity years, documents must be submitted once for each calendar year corresponding to the maturity.
• The required tax documents will be provided in your Allianz Online Banking at the beginning of the submission period. Allianz will forward your completed and signed originals to the partner bank free of charge.

Withholding tax rate:
12.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Ansässigkeitsbescheinigung (Certificate of Residence)

Deadline:
Send the signed original by post to Allianz no later than four weeks before maturity:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: BluOr Bank AS, Rietumu Banka, Signet Bank

How to reduce withholding tax:

• In Latvia, a tax form titled “Resident’s Certificate – Application for Tax Relieves”, signed by both the investor and the tax office, must be submitted.
• This certificate is valid for five years and will apply to all deposits that mature with the respective partner bank during that time.
• The required tax documents will be provided in your Allianz Online Banking at the start of the submission period. Allianz will forward your completed and signed originals to the partner bank free of charge.

Withholding tax rate:
25.50% (reducible)

Reduced withholding tax rate:
10.00% (creditable in the income tax return)

Required document:
Resident’s Certificate – Application for Tax Relieves

Deadline:
Send the signed original by post to Allianz no later than eight weeks before maturity:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Bank: SIGMA Bank AG

Withholding tax: No withholding tax is applied in Liechtenstein. Therefore, no proof of tax residency is required.

Banks: Artea, Finora Bank, Fjord Bank, UAB GF Bankas, Mano Bankas, Payray, Saldo Bank UAB, SME Bank, Urbo Bankas

How to reduce withholding tax:

• Submit a certificate of residence (Ansässigkeitsbescheinigung) signed by the investor and the tax office.
• Also submit the form “Claim for Reduction or Exemption from the anticipatory Tax withheld at Source, FR0021, DAS-1” signed by the investor.
• To ensure processing by the German and then Lithuanian tax authorities, submit the documents between three and six months before the interest payment date (maturity).
• Separate documents must be submitted for each fixed-term deposit with the partner bank.
• The required tax documents will be made available in your Allianz Online Banking at the start of the submission period. Allianz will forward your completed and signed documents to the partner bank free of charge.

Special notes:

• European Merchant Bank: Due to technical and organizational constraints, this bank cannot support withholding tax reduction in Lithuania.
• Finora Bank, Saldo Bank, UAB GF Bankas, Urbo Bankas: Please submit the certificate of residence and FR0021, DAS-1 form via a message in your Online Banking or via email to [email protected].

Withholding tax rate:
15.00%

Reduced withholding tax rate:
10.00% (creditable in the income tax return)

Required documents:
Ansässigkeitsbescheinigung and “Claim for Reduction or Exemption from the anticipatory Tax withheld at Source, FR0021, DAS-1”

Deadline:
Send the original documents by post to Allianz no later than 4 weeks before the interest payment date:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: BTG Pactual Europe S.A., Itaú BBA Europe, novobanco, RiverBank

Withholding tax: No withholding tax is applied in Luxembourg. Therefore, no proof of tax residency is required.

Banks: FCM Bank, FIMBank, Izola Bank, Credorax Bank, MeDirect Bank, Novum Bank, BNF Bank

Withholding tax: No withholding tax is applied in Malta. Therefore, no proof of tax residency is required.

Special note: Due to the custodial agreement with Allianz Bank AG, tax is withheld directly in Germany. A tax exemption order can only be created within the Allianz online banking under the “Freistellungsauftrag” section. This exemption order applies to all banks under the custodial model.

Please note that tax exemption orders cannot be submitted by post and that switching from a joint exemption order to a single exemption order within the current tax year is technically not possible.

If you would like to submit a non-assessment certificate (NV-Bescheinigung) for tax exemption with custodial model banks, you are welcome to send us an original copy.

You can mail the non-assessment certificate to the following address:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Bank: DLL

Withholding tax: No withholding tax is applied in the Netherlands. Therefore, no proof of tax residency is required.

Banks: BN Bank, Instabank, Morrow Bank, Lea Bank

Withholding tax: No withholding tax is applied in Norway. Therefore, no proof of tax residency is required.

Banks: Addiko Bank, Anadi Bank, Euram Bank

How to reduce withholding tax:

• In Austria, submit a completed and signed form titled “Erklärung natürlicher Personen für Zwecke innerstaatlicher Quellensteuerentlastung” (Declaration of natural persons for domestic withholding tax relief), signed by the investor and their tax office.
• To ensure processing by both German and Austrian tax authorities, submit the documents within the period of six to three months before the interest payment. Exception: Euram Bank allows submission immediately after account opening.
• The documents are valid for 3 or 5 years depending on what is stated on page 1 of the form.
• If you have multiple fixed-term deposits with the same maturity year at the partner bank, you only need to submit the documents once every 3 or 5 years.
• The required tax forms will be available in your Allianz Online Banking when the submission period begins. Allianz will send your completed and signed original documents to the partner bank free of charge.

Withholding tax rate:
25.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
“Erklärung natürlicher Personen für Zwecke innerstaatlicher Quellensteuerentlastung” (Austrian tax form)

Deadline:
Send the original signed document by post to Allianz no later than three weeks before interest payment:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Bank: Alior Bank

How to reduce withholding tax:

• In Poland, a certificate of residence (Ansässigkeitsbescheinigung), signed by both the investor and their tax office, must be submitted.
• To ensure processing by German and then Polish tax authorities, submit the documents within three to six months before the interest payment date (maturity) to your tax office.
• If you have multiple fixed-term deposits with the same maturity year at the partner bank, submit the documents only once—even if you received separate documentation for each deposit.
• If your deposits have different maturity years, you must submit the documents once per calendar year.
• The required tax documents will be available in your Allianz Online Banking at the start of the submission window. Allianz will forward your completed and signed originals to the partner bank free of charge.

Withholding tax rate:
20.00%

Reduced withholding tax rate:
5.00%

Required document:
Ansässigkeitsbescheinigung (Certificate of Residence)

Deadline:
Send the original document by post to Allianz no later than six weeks before the interest payment date:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Banco BAI Europa, Banco BNI Europa, Bison Bank, Haitong Bank, Banco Português de Gestão

How to reduce withholding tax:

• A certificate of residence (Ansässigkeitsbescheinigung), signed by both the investor and the tax office, and a Portuguese tax form must be submitted.
• To ensure processing by German and then Portuguese tax authorities, submit the documents exactly 12 months before the interest payment date (not earlier). The Portuguese tax office accepts only documents issued/signed within this 12-month window.
• If you hold multiple fixed-term deposits with the partner bank, the documents must be submitted separately for each deposit, no earlier than 12 months before each respective maturity.
• The required tax forms will be made available in your Allianz Online Banking at the beginning of the submission period. Allianz will forward the completed and signed originals to the partner bank free of charge.

Withholding tax rate:
28.00%

Reduced withholding tax rate:
15.00% (creditable in the income tax return)

Required documents:
Ansässigkeitsbescheinigung and Portuguese tax form: “CLAIM FOR TOTAL OR PARTIAL EXEMPTION FROM PORTUGUESE WITHHOLDING TAX, UNDER THE CONVENTION FOR THE AVOIDANCE OF DOUBLE TAXATION BETWEEN PORTUGAL AND GERMANY” (includes English translation and German-language completion instructions)

Deadline:
Send the signed originals by post to Allianz no later than four weeks before the interest payment date:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Aros Kapital, Avida Finans, Bluestep Bank, Collector Bank, Erik Penser Bank, Hoist Finance, Nordax Bank, Nordiska, Resurs Bank, TF Bank, Klarna, Qliro AB, Qred Bank AB, Rediem Capital AB

Withholding tax: No withholding tax is applied in Sweden. Therefore, no proof of tax residency is required.

Banks: BFF BANK S.p.A. Sucursal en España, Banco Finantia, S.A. Sucursal en España, Haitong Bank S.A. Sucursal en España, A&G Banco S.A.U.

I) BFF BANK S.p.A., Banco Finantia, A&G Banco

• At account opening, a signed Spanish tax form “Declaración de Residencia Fiscal” must be submitted to reduce withholding tax.
• For BFF BANK and Banco Finantia, upload the form in your online banking or email a scan to Allianz. For A&G Banco, email the signed form to Allianz as a scan.

Withholding tax rate:
19.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Pre-filled Spanish tax form (“Declaración de Residencia Fiscal”) — only required once per person and partner bank at the time of the first deposit.

II) Haitong Bank S.A. Sucursal en España

• Submit a certificate of residence (Ansässigkeitsbescheinigung), signed by both the investor and the tax office.
• To ensure processing by German and then Spanish tax authorities, submit the documents within twelve months before the interest payment date (maturity).
• If you have multiple deposits maturing in the same year at Haitong Bank, submit the documents only once.
• For different maturity years, submit once per calendar year.
• Required tax documents will be provided in your Allianz Online Banking at the beginning of the submission period. Allianz will forward your completed and signed originals to the partner bank free of charge.

Withholding tax rate:
19.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Ansässigkeitsbescheinigung (Certificate of Residence)

Deadline:
Send the completed original or scan (via online message or email) no later than four weeks before maturity:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Bank: Privatbanka, a.s.

How to reduce withholding tax:

• In Slovakia, a certificate of residence (Ansässigkeitsbescheinigung), signed by both the investor and their tax office, must be submitted.
• If you have multiple fixed-term deposits with the same interest payment year at the partner bank, submission is only required once—even if documents were issued for each deposit.
• If you have deposits with different interest payment years, the documents still only need to be submitted once.
• The necessary tax forms will be made available in your Allianz Online Banking at the start of the submission period. Allianz will send your completed and signed originals to the partner bank free of charge.

Withholding tax rate:
19.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Ansässigkeitsbescheinigung (Certificate of Residence)

Deadline:
Send the original signed document by post to Allianz no later than four weeks before the first interest payment:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany

Banks: Expobank, J&T Banka

How to reduce withholding tax:

• In the Czech Republic, submit a certificate of residence (Ansässigkeitsbescheinigung), signed by both the investor and their tax office.
• To ensure processing by German and then Czech tax authorities, documents must be submitted no earlier than 90 days before the maturity date. The Czech tax office accepts only documents issued within this timeframe.
• If you have multiple deposits with the same maturity year, submit the certificate only once—provided it is issued within the 90-day window for each respective deposit.
• For deposits with different maturity years, submit one certificate per calendar year.
• The required tax documents will be made available in your Allianz Online Banking at the beginning of the submission period. Allianz will forward your completed and signed originals to the partner bank free of charge.

Special note for J&T Banka:
Please submit the certificate of residence as a message attachment in online banking, or alternatively email it to [email protected].

Withholding tax rate:
15.00%

Reduced withholding tax rate:
0.00% (no withholding tax)

Required document:
Ansässigkeitsbescheinigung (Certificate of Residence)

Deadline:
For Expobank, send the completed and signed certificate by post to Allianz no later than four weeks before interest payment:

Allianz
P.O. Box 44 05 54
12005 Berlin
Germany