Tax Return Trade Republic: How to Manage Your Income and IBAN

Investing via Trade Republic has become a reflex for many French savers, attracted by reduced fees and liquidity compensation. However, as tax returns approach, this simplicity often leaves room for confusion. Between dividends, interest and capital gains, taxation may seem complex. With the right documents and a structured method, this administrative step becomes accessible.

Do you have to report your Trade Republic account?

The nature of your account determines your reporting obligations. Trade Republic has gradually migrated its users toFrench IBAN(starting with FR). If you still have oneGerman IBAN(beginning with DE), your account is considered to be held abroad.

The case of German IBAN (Form 3916)

If your account is domiciled in Germany, you have a legal obligation to report it annually via theForm No. 3916. This is mandatory even in the absence of income generated or capital gains. Forgetting this statement can result in a lump sum fine of 1,500 € per undeclared account. You will need to find out the address of Trade Republic Bank in Berlin, your account number and the dates of opening.

Simplification with French IBAN

For users who have migrated to a French IBAN, the situation is simplified. Your account is now considered domiciled in France. You no longer need to complete Form 3916. This development does not exempt you from reporting income earned, but it removes the reporting obligation related to the mere holding of the account.

What income to report and on which forms?

Trade Republic generates different types of income that should be distinguished to properly complete your return onimpots.gouv.fr.

Type of income	Main form	Specific box
Interest on cash account	2042	2TR
Foreign dividends	2047 and then 2042	2TS / 8TK
Gains on disposal	2042-CM	3VG

Interest on liquidity

Interest paid on your uninvested cash is income from movable capital. They are submitted by default to theFlat Tax 30%12.8% of income tax and 17.2% of social levies). Report the gross amount reported on your annual tax return in the box2TRForm 2042.

Dividends and tax credit

If you hold foreign shares, a withholding tax has often been applied. To avoid double taxation, you must first report these income on theForm 2047to calculate your tax credit, and then report the totals to your principal 2042 return.

Review your statements carefully to distinguish the gross amount from the net amount. Reporting the gross amount is essential to benefit from the tax credit provided for in international tax treaties. Forgetting this step amounts to paying a tax higher than what you actually owe.

Trade Republic's Tax Report: Your Guide

Trade Republic does not always transmit a pre-filled IFU to the French authorities. Instead, the broker provides aAnnual Tax Reportin PDF format, available in your customer area (Profil > Documents section) in the spring.

Use of the tax report

This document summarizes all your operations:

• The total amount of the disposals and the overall gains or losses.
• Details of dividends received by country.
• The amount of interest paid on the cash account.

Do not copy the numbers blindly. Check that the amounts match your own calculations, especially if you have transferred securities or have complex assets such as shares.

Management of losses

The losses realized on your sales are attributable to your similar earnings. If your annual balance is negative, you will not pay capital gains tax. You can carry this down on your future earnings for 10 years. If necessary, complete theForm 2074to record these losses.

The special case of cryptocurrency

The taxation of digital assets is governed by separate rules. You only declare your earnings when you « Get out. » crypto ecosystem, for example by converting your bitcoins into euros or buying a property.

Official portal to report your income online· Access the tax administration's secure service to make your tax return and manage your taxes with ease.

If you have made sales of cryptocurrency for euros, you must complete theForm 2086. This document allows you to calculate the overall surplus value based on the value of your portfolio at the time of sale. This step is essential for hybrid investors who mix shares and cryptocurrency on the same platform.

Frequent errors and good practices

To secure your statement and avoid any correction, keep these alert points in mind:

• Distinction of forms:Do not confuse 2047 (foreign source income) and 3916 (account statement). These are two distinct obligations.
• Option for scale:Flat Tax applies by default. If you are taxable or not, the option for global tax (box 2OP) may be more advantageous. Do a simulation on the tax website.
• Archiving:Keep your tax reports and account statements for at least 3 years. In case of a check, these documents will constitute your only physical evidence.

The Trade Republic tax return requires rigour during the first manipulation, but quickly becomes a routine. The adoption of the French IBAN significantly simplifies the task for new users, while former customers have every interest in switching to this format to ease their reporting obligations.