I love my 7 metre by 3 metre pond being described as a lake. 
I think this exercise was a good example of the power of the forum and groupthink, for problem solving. A 4K bill reduced to 41€ - can’t be bad! We are money saving experts.
And one more thought now for David - if the ‘correct’ bill for 25 is 41€ a single person, 1 part, how can 2023 and 2024 be 800€ ? Even if the income was double with Fran’s pension also, it would still be a similar bill with the 2 parts, then halved?
And that’s before even taking into account the S1 which was held, and can be easily accounted for now with 1 tick of box 8SH or 8SI (?) and Helen’s useful explanation for interest apportionment also.
PS I did track down that table George, but it got posted in another thread in reply to David - that’s something the forum is maybe not so good at is organising everything together!
posted in the All Change .. apparently
Tax & Social charges thread.
Of course it will, David and I’m sure I mentioned this previously (appreciate things can get lost between threads though!)
We don’t have your figures, however here’s a table of the rates. The rates below apply on both State and early retirement pensions.
You’ll see clearly that if your income was say 20K, you’d be in the 0% bracket if a couple, and 3.8% if single. You’ll be able to do the arithmetic on your income yourself to see if the change from couple to single comes within your 1600 figure. My rough calculation might be 20K per year at 3.8% is 200 x 4 = 800 / year so x2 = 1600 so seems to fit somewhat.
The table -
For a single person and married couples (or those in a civil partnership) the CSG rates and income limits for 2026 (2024 income) are as follows:
| Rate | Single Person | Couple |
|---|---|---|
| 0% | <€13,048 | <€20,016 |
| 3.8% | <€17,057 | <€26,167 |
| 6.6% | <€26,472 | <€40,604 |
| 8.3% | >€26,472 | >€40,604 |
source link -
A huge thank you to everyone that helped me navigate my Tax return over the last few days. I can’t tell what a relief it was to finally sign and submit it yesterday evening. You all do a grand job for us mere mortals and are a huge help.
Many thanks to all of you x
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My turn! I hadn’t realised that using Wise to transfer money from the UK to France automatically creates a bank account number/sort code etc in the UK. I don’t use Wise to hold money or anything fancy. I asked my faithful AI scribe to draft a suitably grovelling letter to the Impots , explaining my lack of familiarity with the structure of Wise, the fact that no income, interest or gains has arisen due to my Wise account but of course I was jolly sorry etc. Message sent.Back came the reply today. Short and to the point..Amend your current return (already filed) to show the UK account in the 3916 section. End of message!
The tricky bit was persuading the online system to accept the bank details. It repeatedly refused to let me ‘valider’ the new entry, complaining I was using weird characters other than letters and numbers. I wasn’t. In the end it agreed to let me enter the details, provided the London bank address was all on one continuous line, including the post code. Hopefully no penalty etc.
I’m sure experienced Wise users are well aware of the creation of numbered bank accounts but perhaps others like me who simply use it as a transfer mechanism may not be aware…I don’t also appear to have a Belgian account (Wise using Belgium as its Euro zone hub) as I don’t hold Euros, according to Wise Customer services.
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Ha, perhaps they were hinting - please don’t write long grovelly letters 
My impot direct debits are taken from the Wise account - now I need to check where it is in my existing declarations! The other 45 account declarations I had to delete to sign the return will have to wait until a visit to the tax office.
I decided not to bother messaging.
I am hoping that I have finally cracked the system, never mind a nagging thought that that €41 00 is 41.000, not the commas and lack of, but by now I am simply the eternal pessimist.
However I was much comforted by the immediate receipt without comment late last night although I know that is only a receipt and probably would have arrived if I had sent in a blank declaration. This amusing thought was strengthened when I was disturbed in my siesta hour this afternoon by a text message from the impots to remind me to send my declaration in. 
I immediately replied ‘deja fait at 23h la nuit derniere’ and pressed send. Immediately I was told ’ no address’ I’ll answer their nonsense by email later, but, as I once wrote a story about a man banged up in Merignac prison who escaped with the help of an outside friend with a bulldozer and another friend with a lorry waiting a couple of hundred yards away at the service on the Rocade to whisk him to freedom, I think I had better dig out that manuscript. 
I just checked my Wise app and it says I have a “Main account" in 4 currencies, including account numbers in US Dollars and Australian Dollars, although I’ve never exchanged or deposited any money in those currencies. Has anyone one else got this? Does this mean I have to declare them?
All the more reason for not passing their ID test and turned to using TorFX instead. No question of being a bank account, when I want money from UK I just do a straight through transfer.
I declared my Wise account as a card I think. How Wise does what it does behind the scenes would never have occurred to me
However as I know it’s on my 3916 I have no plans to add anything. Each year I just add in the Mentions Expresses that there are no changes to the existing 3916 - as there aren’t.
Yes it does, unfortunately. This is why I was so surprised myself, hence my message to the Impots and their response. It’s also my reason for posting about this, to alert others who might be in the same boat, given filing deadlines.
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It really is worth seeing whether Wise states you have more than one currency account, with bank account numbers etc - I suspect you might find there is a bank account for each currency - which would then need declaring…
I don’t use Revolut so will obviously defer to those who do. It wouldn’t surprise me if it too creates bank accounts in each currency used, which would then trigger reporting requirements in France for French residents. No doubt users have looked into whether this is the case or not. Based on my experience with Wise this week, I would now definitely be checking this position if I had Revolut.
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Glad you mentioned this because I checked my Wise account and sure enough there’s a US dollar account listed which I had never really noticed and never used.
It’s presumably been there for a few years, although I’ve never reported it alongside the sterling and euro Wise accounts which I have always declared.
I’ve now deleted it in the Wise app but I suppose strictly speaking I should try to retrieve the details and declare it. Our deadline is next Thursday. Don’t think I can face amending that bloody form yet again.
I just declared the overall account reference (if that makes sense), rather than each currency. I figure that gives all the traceability required.
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To George’s point with revolut you will likely have at least two accounts if you touch gbp at all:
- a french euro account (if you live here) which you do not need to declare as its french; and
- a gbp account which you do
If you have extra accounts with them (eg the one for your “side hustle”) check these as well.
Happily they shut my lithuanian account before this year…
How did you do that? I can’t find any possibility
Edit: Found it:
Three dots on the balance details screen and ‘Close’. You should empty the balance first by converting the money to your other balances. You are not closing any account.
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I never actually had any money in my US$ pot. Am not going to bother reporting it. In any case the account details have now disappeared.
I see in the past I apparently also had Polish zloty, Turkish lira and North Macedonian dinar pots. None of which I was aware of and certainly never reported.
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Pretty much what I did.
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