How much is the stamp duty on deposit accounts and how not to pay it?
The Decree save Italy (end of 2011) contained significant changes with regard to the stamp duty on financial products.
On the one hand there is the advantage of the exemption from the burden of stamp duty for current accounts that have an average balance of less than five thousand euro - in the calculation includes all accounts that a taxpayer with the same credit institution, if it has different and the sum exceeds this value, you have to pay the fee of 34,20 €.
An advantage that is more than offset by the stamp duty on securities other than government bonds. In 2012 he became equal to 0.10% of the market value of financial instruments held, and this year has been arrived at 0.15%, with a minimum threshold of € 34,20.
This minimum value is very penalizing those who have less financial instruments for values less than € 22,800. For example, who has ten thousand Euros invested in a deposit account end up paying a fee more than twice - and is having a worse still those who have less ...
Obviously if the deposit account was opened only for six months, the stamp duty will be half - and if the deposit is zero balance there will be nothing to pay. There are also other ways to avoid paying stamp duty: some lenders will continue to shoulder the burden of paying the heavy tax instead of the investor.
From what I can remember it is Rendimax, Contomax, Ibl bank, SiConto, You eBccForWeb Banking. There are other three cases, namely WeBank IWBank and Unipol Banca, which connect the deposit account to a checking account. And this should fasten saver from the payment of stamp duty in proportion of 0.15%, but only 34.20 EUR regulations for keeping the current account.
Be careful though, in the latter case, things could change - the Internal Revenue Service could drive out some clarification on the subject ...
25/02/2013
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Translated via software
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Source:
Italian version of CercaGeometra.it