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@jiloml The second part, I'm a Dutch resident and according to our tax treaties we should pay 0% on our interest to the belgium tax authority. However, there's no way to get exempt at Wise and you need request the tax back from the belgium authorities yourself (which is of course a huge hassle)...

@kaytiedid They pay 20% belgium tax on it, so effectively it's only 2.9%. Edit: see comment below, I was wrong.