欧州はインフレかつ政策金利が上昇しているので絶対にどこかでこの流れを受けて金利をつけているところがあるはず、という考えを持って金融資産の就職先を探していたら、欧州在住者はWiseアカウントに預けておけば定期預金ではないのに、ユーロは2月3日時点で金利0.99%(税引前。Wiseベルギーの税率は30%なので税金後は0.693%程度)がつくことを発見した
資金が固定されないのは凄い
100k入れたままにすれば年間で税引後693 EUR弱(10万円程度)の金利収入(１ヶ月57.75EURなので8千円程度)
ドイツの銀行口座に入れっぱなしだと何もつかないので絶対にこっちに資金を移動させておいた方が良い
プレスティアの方が高い金利でキャンペーンもあるが、日本に送金すると欧州で使いにくくなるので(但し3月以降に発行依頼するGlobal Passというカードが使えるならば送金しても良い)、まずはドル安になるまでこのまま放置して働いてもらおう
Wiseアカウントはドルだと税引前2.33%(税引後1.631%)なので、ユーロより2倍以上の速さで金利収入を産む
計算上は700€程度の為替手数料がかかってもユーロからドルに変えておいた方がお金がお金を産み出す
今まで基本的に株しか見ていなかったので金利の感覚があまりないが、ボラティリティリスクなく利息が入るのは凄い
インフレ抑止のため、ガンガン政策金利を上げて行ってもらえると、こちらのアカウントは金利収入を生み出すので助かる
バランスが取れているポートフォリオになってきたのではないか
あとは円の現金の就職先
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How does balance cashback work?
Currently, we're offering balance cashback to all customers in the European Economic Area (EEA) as set out below.
Why is Wise paying cashback?
Wise keeps your money safe in accounts that are separate from the ones we use to run our business. The accounts are approved by the regulators. Your funds are not at risk. As interest rates have risen, Wise is now starting to generate income from the money you hold with us. It is interest on your money, so we believe it's right to share it with you.
Our mission is money without borders — to make it instant, cheap, convenient and transparent. See how you can help.
How is cashback calculated?
Wise pays balance cashback each month based on the EUR, GBP and USD you hold in your Wise account. You agree that the cashback rate is variable and that we may change the rate and/or stop paying cashback at any time. For eligible balances held in Wise accounts in January 2023, Wise paid an annualised cashback rate of:
0.99% for any EUR
1.80% for any GBP
2.33% for any USD
Wise Europe operates within the tax jurisdiction of Belgium, where cashback is liable for 30% withholding tax.
We deduct this tax and pay it to the Belgian tax authorities before we add the cashback to your account.
For example — if you held a balance of 1,000 GBP and a jar of 2,000 EUR for a whole month, you would have received 1.07 GBP back to your balance and 1.18 EUR into your jar. We would have already deducted 30% to pay the withholding tax for both transactions.
Based on the cashback rates for January 2023, you would need to hold a minimum balance of 67 GBP, 121 EUR or 52 USD for the whole month to receive cashback.
Who's eligible for cashback?
You'll receive cashback for any funds and jars with a positive balance of EUR, GBP and USD held in your Wise account.
You won’t receive cashback if:
your Wise account is outside of the EEA
you don't hold EUR, GBP or USD
your money is held as Assets
your account is suspended or deactivated
your balance is negative
the pre-tax amount of cashback would be less than 0.10 in an eligible currency
you've opted out of receiving balance cashback
we believe you have breached our Customer Agreement
Do I need to pay tax?
Wise Europe operates within the tax jurisdiction of Belgium, where cashback is liable for 30% withholding tax.
This tax is paid by Wise but you may be able to claim some, or all, of the tax back depending on your tax status and country of residence. Unfortunately, Wise is not able to provide tax advice. We recommend that you obtain independent advice or consult with the tax authority of your country of residence.
Do you share personal information with the tax authorities?
No. Wise Europe files a monthly withholding tax return with the Belgian tax authority showing the total withholding tax due each month. We do not reveal any personal information.
We keep customer data on file internally for audit and documentation purposes. We would only provide customer details to the tax authority if requested and according to GDPR regulations.
Can I get a statement for reporting tax?
We’re working on providing tax statements to help you with reporting for your tax affairs.
Can I get a tax reduction or refund?
Currently, we are unable to apply withholding tax reductions as we do not collect tax residency information.
If you’re eligible for a lower withholding tax rate under the Belgium double tax treaty with your country of residence, apply to the Belgian tax authority using the official form for refund of Belgian WHT (Form 276 INT).
The process to obtain a refund may differ for each country so seek advice from a tax adviser if you are unsure.
How can I opt out of balance cashback?
Wise has automatically enrolled all customers in the EEA into receiving balance cashback.
If you’d like to stop receiving balance cashback, you can opt out at any time.
Cashback rates are correct as of 03 February 2023.
