Questions tagged [germany]
to be used for any question within the geographical region of Germany
322
questions
53
votes
4
answers
17k
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Random and anonymous `western union´money transfers into my account, is it a scam?
Two months ago I received a money transfer of around 200 € into my account from a company called Custom House Financial UK, which turns out to be an affiliate of Western Union (ie. they do money ...
3
votes
1
answer
367
views
Receiving stock as a gift in Germany
I’m looking to gift my brother some stock that I currently hold in my name in the US. He lives in Germany, and I’m having trouble finding how that would be treated under German tax law.
Would he be ...
3
votes
0
answers
170
views
What happens to my U.S. Social Security and pension if I retire in Germany?
If I retire in Germany, can I receive my U.S. Social Security and pension there, and will it be taxed?
1
vote
0
answers
70
views
Germany tax class residence permit valid anmeldung
I was in Germany last year for more than six months and I have a valid RP as well.
Now, I am planning to move back to Germany for just 2 months for a work assignment under Short-term WP.
Now my ...
1
vote
1
answer
113
views
Does one pay tax for "Betrag der ausschüttungsgleichen Erträge" of an accumulating ETF in Germany?
There are some accumulating ETFs which may create taxable events.
Previously they were considered "tax-ugly", because it was possible to double-pay some tax. After tax reform in 2018 there is a tax-...
2
votes
2
answers
342
views
Loan & building a house in Germany (Bavaria)
I would like to ask what are conditions when you want to build a house in Germany. Is it necessary to have your own savings before you ask the bank for a loan or you can ask for 100 % loan.
2
votes
1
answer
173
views
What are risks / expenses to buy a house in Germany?
I think about buying a house in Germany (Frankfurt).
How can I learn full list of expenses I should pay next at least ~15 years?
My friend scares me that there are always hidden problems like central ...
6
votes
5
answers
10k
views
Investment options for a 26 year old living in Germany
This question might seem quite broad, but my intention is just to get some basic understanding of the investment options available in Germany considering the fact that I am new to the world of ...
2
votes
2
answers
1k
views
Tracking S&P in Germany
I would like to buy stocks that track the S&P500 in Germany (German citizen - I live and pay taxes in Germany).
If I was in the US, I would probably go for an ETF like VOO (Vanguard S&P 500 ...
0
votes
3
answers
632
views
Can money work that hard for you?
Yesterday I was thinking about this:
Assume you have around 600.000€, and get around 10% to 25% annual return on a fairly aggressive fund investment. Now assume that each year you take out 80.000€ ...
1
vote
0
answers
2k
views
Money Transfer with wrong IBAN
i made a send payment from 5 days ago and now I was surprised that i forgot one number from IBAN and IBAN is incorrect,does that mean money still in my country? i know that the Bank will receive ...
3
votes
1
answer
440
views
KMyMoney: Extract payee from memo field using regular expressions
short version:
How does the "Extract payee from memo field" feature in KMyMoney work?
You can find it here:
KMyMoney > Accounts > Choose account > "Edit Account" > "Online Settings" > "Extract payee ...
11
votes
1
answer
6k
views
How to pay taxes for ETFs in Germany?
When I invest in ETFs and I generate profit, do I have to pay taxes for the distribution or the appreciation of value of my ETF positions? If yes, how to pay these taxes and where? Is this ...
0
votes
1
answer
2k
views
Customs for shipment from USA to Germany
I would like to participate in a giveaway a certain US-based company is doing right now. They are randomly selecting two recipients for a high-end (about USD 1200 in value) consumer-grade electronics ...
1
vote
2
answers
439
views
“Guesstimating” the value of a property
Country is Germany, in case that’s even relevant.
Some fifteen years ago my parents bought a property together with one of my brothers (referred to as “brother A” further down) and his wife (so each ...
1
vote
3
answers
1k
views
Depositing cash to German Deutsche Bank account in Spain
I am going to stay in Spain and will receive some cash compensation during my stay. Since I already have Deutsche Bank and Norisbank account in Germany, I am hoping to deposit the cash to one of these ...
1
vote
2
answers
156
views
How can a retail investor short the German car industry and its suppliers?
Suppose that I want to make a small investment of around 1000€ and that I want to short the German car industry and its suppliers over the long term (5-15 years). How would you do this?
1
vote
1
answer
213
views
How much can owning part of a liquidated company affects my credit score?
As part of my employee compensation when I started working for a small startup, I got 5% of the shares. The company didn't make it and the founder wrote me to tell me that he's going to liquidate it, ...
2
votes
1
answer
231
views
sell flat or rent it out as student
I started to study away from home, at the moment I live in my own flat and get everyday by car or train to the university. Its very time consuming as i need about 4 hours everyday only to get there ...
1
vote
3
answers
526
views
Is there protection against typos or wrong use of online stock trade systems for private persons
This is more a question out of interest, not for a specific case. If there are regional differences regarding the answer, I am more interested in Central Europe (Germany) than elsewhere. I have not ...
5
votes
2
answers
184
views
Can I get import duties refunded when forwarding a product?
A producer of some electronic hardware did not allow for delivery to a non-EU country. I therefore sent it to Germany and it will be forwarded to me by my relatives.
However, there are taxes on ...
0
votes
1
answer
126
views
Property alienation under German Tax Treaty
I am a U.S. citizen living in Germany and would like to sell some movable property at a higher price than I bought it for. I held it for longer than a year, so I am not subject to German taxation. U.S....
5
votes
1
answer
479
views
Medium-term money investment in Germany
I'm an expat from Russia living in Germany and I'd like to invest 10-20k€ for 1-3 years somewhere. Bank deposits have an extremely low interest rate. The most popular investment is property but I'm ...
1
vote
1
answer
133
views
How long does a money transfer from Göttingen, Germany to India take, and how can I find what the hold-up is?
I have transferred Money from my friends account to my Indian account as i was not having my own account at göttingen, Germany.
It has been more than 20 days but I have not received the amount in my ...
4
votes
2
answers
12k
views
Cash Deposit to own account Sparkasse Germany, without a card
I just moved in Germany and got an account in Sparkasse. I wanted to deposit some cash on my own account and I don't yet have a card, it's going to arrive later apparently. As far as I gathered it's ...
7
votes
2
answers
342
views
What's the easiest legal way to receive small amounts of money in Germany?
I'm currently running a rather small online service with about 100-200 active users. In the past I paid all expenses, mainly the servers, myself.
Now that the service reached this number of users, I ...
2
votes
1
answer
605
views
What tax class in Germany I will belong to?
I received an offer from Germany. However, my husband is working in France. Both of us are immigrants with temporary residence permit. We don't have kids.
In this case, what is my tax class in ...
0
votes
2
answers
147
views
Personal finance web service with account syncing in Germany
I haven't found a single site for personal finance management that does bank syncing in Germany. Some that for example do Barclays, restrict to US or UK accounts.
Is there any law in Germany ...
0
votes
1
answer
175
views
What could someone malicious do with these three piece of information regarding my bank account?
The three pieces of information are: bank account number, my mobile phone number used for online banking and my address associated with my bank account.
I am in Germany.
2
votes
1
answer
2k
views
Germany: Declaring taxes for large number of short-term trades
Assume I am using an automated system to buy and sell stocks or other regulated financial assets (bitcoins, ...) multiple times a day, each time making a small win or loss. Additionally, I am doing so ...
2
votes
1
answer
389
views
Can I pay taxes in Spain while working in Germany?
I'm actually working in Germany for just 2 months (July and August), and I would like to know if it is possible to pay the taxes in my country (Spain). The advantage of it is that in Spain the taxes ...
8
votes
3
answers
529
views
Are there any more or less tax-efficient assets in Germany?
Is there anything (legal, non-obscure, serious, etc.) a private, personal, non-expert investor can or should be careful about to improve on the amount of taxes paid? I mean actual financial ...
2
votes
0
answers
53
views
Taxation for remote workers, if the company and the residency are in different countries
If a contractor or employees works 75%-100% percent remote for a company in a country A and has his residency in a country B - what is the job-related taxation?
I know that this is too general to ...
3
votes
2
answers
297
views
National insurance shortfall after living in Germany
I lived and worked in Germany for 17years, now i have returned to the UK. I have obtained a U1 form to confirm my state contributions to the German system, can this be used to fill the gaps in my ...
3
votes
3
answers
688
views
Germany Tax Question - Non-Resident and not employed in Germany
I'm planning to open a personal bank account in Germany very soon and I need this clarified before I do that.
Some info:
I don't have German Citizenship
I do not live in Germany and I don't plan on ...
0
votes
1
answer
137
views
Would a husband's tax rise if the wife is employed? [closed]
Would I pay more tax if my wife is employed? I would be grateful for any advice?
2
votes
0
answers
112
views
Is it acceptable to always have the same end price regardless of applicable VAT?
I want to offer a VAT-applicable item in a German e-shop and I want its end price for customers to always be the same, regardless of applicable VAT.
So if I'm e.g. selling from Germany and shipping ...
4
votes
2
answers
495
views
Making up National Insurance shortfall when working abroad
I lived and worked in the UK for several years, but now live and work elsewhere in the EEA, where I will remain indefinitely. (I have no plans to return to the UK to work or retire, but anything's ...
2
votes
1
answer
5k
views
Cash Deposit to Other Person's account Sparkasse Germany
I want to make a payment to a Sparkasse account in Germany. I am currently in Germany but do not have a bank account.
Can I make this cash deposit directly from one of the Sparkasse branches?
70
votes
4
answers
14k
views
MasterCard won't disclose who leaked my credit card details
I was recently informed, by the payment processing agency of my bank, that an online shop was compromised and that as a precaution my MasterCard credit card was frozen and replaced. There was no ...
11
votes
1
answer
3k
views
Should the bank cover money lost due to an unsuccessful transfer?
Recently I have transferred money from Deutsche Bank, Germany to Standard chartered Bank, India. My transaction was not successful due to an Indian Government policy change for demonetization. The ...
2
votes
0
answers
165
views
What are the requirements to set up a Deutsche Bank account?
I'm 17 and would like to move to Germany when I graduate high school in the US to study there. I will be visiting friends in Berlin this Christmas to scout out universities and possible living ...
1
vote
1
answer
582
views
When both husband and wife can have tax class 3
As I understand, both husband and wife can have tax class 3. In which case it makes sense?
class III = married and the spouse has no income or lower income
What is the meaning of lower income... how ...
6
votes
2
answers
2k
views
Can IRS levy a bank account in Germany?
Does anyone know if the IRS can levy my bank account in Germany? I bank with Commerzbank. From what I have read, if the bank has a branch in the USA
(Commerzbank only has one) they can seize your ...
6
votes
6
answers
618
views
If I carry a lot of money from Germany to Spain, what can go wrong?
Currently I have a bank account at Deutsche Bank with approximately 30k€ I have collected working and saving money. I want to move all this money to my Spanish bank account. I have already phoned them ...
2
votes
0
answers
92
views
Taxes when year split between Switzerland and Germany
Last year I worked in Switzerland (L permit) from January until the end of July, and then worked in Germany for the remainder of the year. I am now resident in Germany and an EU Blue Card holder. I ...
1
vote
0
answers
209
views
Sell or lease my property when moving from UK to Germany (tax question)
I own a flat in the UK (outright, no mortgage), and I am planning to move to Germany (preferably Berlin, if that makes a difference). Given my limited knowledge of the area and of German laws, my ...
3
votes
0
answers
85
views
What conditions should we fullfill to pay taxes as a family?
I'm thinking about taking a job in Germany, and for the purpose of salary negotiation I'm trying to estimate my net income using this calculator. What complicates matters is that my family won't be ...
1
vote
1
answer
133
views
What is the best way for doing taxes in Germany as an expat?
I working and living in Germany the past 2 years. Recently I heard colleagues discussing about tax returns, something I have never had to worry about before in my life.
Obviously, I have to do my tax ...
6
votes
1
answer
1k
views
How to prepare to purchase a house? (Germany)
I'm in my late twenties and want to prepare for my future life. I've no debts and a small amount in savings, but I'm going to need some for my marriage this summer. Now I want to prepare for our ...