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Financial transaction tax
Impact estimate for an LLC (s.r.o.)
Estimate the impact of the financial transaction tax (0.4%) on outgoing payments. The tax applies to outgoing payments from accounts of legal entities from 1.4.2025.
Inputs
Enter your monthly payments
Auto = volume / number of transactions
Estimated transaction tax
Tax per transaction (avg.)€2.00
Monthly tax€200.00
Annual tax€2,400.00
Optimisation (payment consolidation)
Consolidated transactions10/month
Avg. value after consolidation€5,000.00
Monthly tax after optimisation€200.00
Annual savings (illustrative)€0.00
Transaction tax examples
| Payment type | Amount | Rate | Tax |
|---|---|---|---|
| Small payment (€50) | €50.00 | 0.4% | €0.20 |
| Medium payment (€500) | €500.00 | 0.4% | €2.00 |
| Large payment (€5,000) | €5,000.00 | 0.4% | €20.00 |
| Capped payment (€10,000+) | €10,000.00 | 0.4% (max €40) | €40.00 |
| Cash withdrawal (€1,000) | €1,000.00 | 0.8% | €8.00 |
| Cash withdrawal (€10,000) | €10,000.00 | 0.8% (no cap) | €80.00 |
Optimisation tips
- 1.Consolidate payments: Combine multiple small payments to one supplier into a single larger payment (e.g., weekly instead of daily).
- 2.Offsetting (netting): Mutual set-offs are not subject to transaction tax – use them where applicable.
- 3.Direct debit: Payments via direct debit are exempt from transaction tax.
- 4.€40 cap: For payments above €10,000, the tax is capped at €40 per transaction.
- 5.Be careful with cash: Cash withdrawals are taxed at 0.8% with no cap – prefer cashless payments.
Important notice
This calculator provides an indicative estimate. Some payment types may be exempt from transaction tax (e.g., wages, mandatory contributions, taxes, card payments). For an exact assessment of your situation, consult a tax advisor.