Q: How do I sign up to Raizers ?

<ul> <li>On one of the pages at <a href="http://www.raizers.com/">www.raizers.com</a>, click on “Open an account” in the top right-hand corner of your screen. <img src="https://storage.crisp.chat/users/helpdesk/website/-/b/6/a/2/b6a20499f3f7d000/image_1t8b6zn.png" alt="" /></li> <li>Fill in the form and, if you have one, enter your referral code and the name of your wealth management adviser. <img src="https://storage.crisp.chat/users/helpdesk/website/-/b/6/a/2/b6a20499f3f7d000/image_69ecfn.png" alt="" /></li> </ul>

Question 1

I am a French tax resident. What is my tax situation?

Accepted Answer

${color}[#3faae1](What taxation for French residents?)

If you are a natural person and you are domiciled in France for tax purposes, you are in principle subject to a 31,4% tax (flat-rate tax or "PFU") on bond income (interest received or "bond coupons") and loans (interests received).

In fact, this rate is broken down as follows :

12.8% income tax ("IR");
And 18.6% social security contributions ("CSG" / "CRDS").

This rate increased from 30% to 31.4% on 1 January 2026. All interest payments made on or after this date will be subject to this 31.4% rate.

Please note that you can apply for a waiver of IR if you meet certain conditions*. To do so, please sign the income tax exemption document available in your personal space. See the article: How do I fill in my exemption from deduction?

For bond issues or loans carried out on the platform, Raizers declares and pays the PFU on behalf of investors. No action is required by French tax residents, income is declared directly to the tax department and the declarations are pre-filled.

_*In order to benefit from the tax exemption, the reference tax income of your household, as shown on your tax notice drawn up in respect of the income of the penultimate year preceding the payment of the bond or loan income, must be less than €25,000 (for single, divorced or widowed taxpayers) or €50,000 (for taxpayers subject to joint taxation). _ __

Question 2

What is the single tax form?

Accepted Answer

${color}[#3faae1](What is the single tax form?)

The single tax form or single tax form is a document drawn up annually by all institutions that pay out income from movable capital. It is a tax return summarising all income from movable capital. It must be sent to the tax authorities each year. It is used to fill in the income tax return. This is the CERFA form number 2561.

${color}[#3faae1](Who issues the single tax form?)

The single tax form is issued by the financial institution holding the proceeds. In case of multiple accounts held in several institutions, the investor receives 1 single tax form per institution.

All the information presented on the single tax form is **sent by the institution directly to the tax authorities.

${color}[#3faae1](When are single tax forms issued?)

Single tax forms are completed and sent by the paying institution each year, not later than 15 February of the year following that in which the income from transferable securities is paid. Only single tax forms containing data must be sent to the tax authorities.

${color}[#3faae1](Single tax form and real estate crowdfunding?)

If you invested in a real estate crowdfunding operation in year N and it generated interest in N+1, Raizers must declare this interest before 15 February N+2. This information will then be pre-filled in your

Question 3

What is a personal guarantee?

Accepted Answer

${color}[#3faae1](What is a personal guarantee?)

It is quite common for a company to require the director to provide a personal guarantee in order to secure a loan. This commits the director’s personal assets and obliges them to personally repay any outstanding debts should the company fail to do so. This personal guarantee must be accompanied by a handwritten statement confirming that the director fully understands the scope of the commitments made and the amount involved. In the event of death, the guarantee passes to the heirs as part of the estate, provided it is accepted.

Question 4

I am a non-resident for tax purposes (outside France and Switzerland). What is my tax situation?

Accepted Answer

${color}[#3faae1](What taxation for "non-residents" (tax residents other than France or Switzerland)?

If you are a natural or legal person and you are not fiscally domiciled in France, you are not subject to any taxation in France.

If you fall into this category, please sign the attestation on honour of non-resident for tax purposes available in your personal space, under the heading "My taxation". See the article: How do I fill in my exemption from deduction?

However, you will need to find out in your country of residence about the administrative steps to be taken in the case of bond or loan income.

Question 5

How do I sign up to Raizers ?

Accepted Answer

On one of the pages at www.raizers.com, click on “Open an account” in the top right-hand corner of your screen.
Fill in the form and, if you have one, enter your referral code and the name of your wealth management adviser.

Question 6

My tax residence address is different from my home address

Accepted Answer

${color}[#3faae1](How do I change my tax residence address?)

Change my place of residence for tax purposes.

By default, your tax residence address is entered as identical to your home address. If they are different, from your personal space, in the "My taxation" section, click on "Update tax residence" before completing any document.

**Modify your personal information

In your personal space, under the heading "My profile", tick the button in the "Tax residence" section and enter your tax residence address. Click on the "Save " button at the bottom of the page.

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