When we started buying shares, we opened an endowment insurance in one of the newer niche banks. Mainly because of the friendly user interface. After that, we came into contact with another niche bank with almost as good a user interface but lower brokerage. The traditional big banks finally caught sight of these smaller niche banks and realized that they had to act (react).
One of these banks, Nordea, offered the best benefit in my opinion. With them, you get the foreign withholding tax back within 3 months from the date of investment. With the smaller niche banks, you will receive the tax return during the first quarter after 3 years. This means that if you invest in January, it will take around 38-39 months before the money is paid out to you. If you invest during December, you will receive our funds after approximately 26-27 months. One of our easiest decisions.
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