They are becoming more and more alike

I'm guessing that Avanza which, in my opinion, has the absolute best user interface already has the technology to be able to refund the foreign tax in the same way as both Nordea and Nordnet. Another guess is that they take it coolly and expect that the loss of customers will be less in terms of costs than being able to wait for the refund of the tax from abroad.

Nordnet uses a standard calculation when they must repay the foreign tax and their goal is that 100% must be repaid. I have no idea if Nordea also uses a standard calculation or actual figures for the foreign withholding tax. However, Nordea has refunded the tax since 2018.

If even Avanza were to change their procedure regarding the tax refund, we will not make them our main bank again. Considering that Nordea already had this function in 2018 and has since then developed and improved its site, we will be loyal to them. Unless conditions deteriorate.