Apply for a Certificate of Non-Taxable Income
Certificate from the tax office stating that investment income is not subject to income tax (for exemption from banks).
How to proceed
- 1
Submit the application to the tax office in your area of residence
Along with proof of income and, if applicable, a pension statement.
- 2
Receive NV certification
Valid for up to 3 years.
- 3
Submit the certificate to the bank
The bank provides investment income that is completely tax-free (in addition to the tax exemption form).
Responsible authority
The authority of your main place of residence is responsible.Find authority →
Fees
Varies by case
Processing time
approx. 2 weeks
Official: max. approx. 3 weeks
Online application
In person or by post
Common mistakes
- • NV certificate not submitted to the bank on time
- • Certificate expired (valid for up to 3 years)
Common reasons for rejection
- • Income exceeds the assessment threshold
You can usually file an objection against a rejection.
The essentials before applying
Who is eligible?
People with low incomes who do not pay income tax and wish to keep their investment income tax-free.
Income limit
Income below the basic exemption amount plus the saver's allowance.
Processing time
Nationwide: approx. approx. 2 weeks
Success rate
approx. 92.0 % (estimate)
Most common mistakes
- •NV certificate not submitted to the bank on time
- •Certificate expired (valid for up to 3 years)
Common reasons for rejection
- •Income exceeds the assessment threshold
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
File a written objection within 30 days – with reasons why the decision is wrong and any missing evidence.