What is the difference between a personal and an organisational account?

The differences between a personal and an organisational accounts are:


Personal Account

  • Applicable tax rate on earned interest: 28%
  • Limits on capital invested:varies according to your annual income and on whether you earn above € 70,000 or not.
    • If your annual income is below this threshold: you can invest up to € 3,000 per project; and the aggregated capital owed to you from projects you have invested in the past 12 months must be less than € 10,000.
    • If your annual income is above this threshold: you can invest up to € 24,999 per project. In addition to this, there is no limit on your investments' aggregate amount.
  • We require the following documents: Identification Document, Passport or Driver's License.


Organisational Account

  • Applicable tax rate on earned interest: 25%
  • There are no limits on capital invested.
  • We require the following documents: shareholder declaration, Legal Representative ID document, Articles of Association, Proof of Registration

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Part or all of your original invested capital may be at risk and the return on your investment depends on the success of the project invested in. Consider all risks before investing and read the Key Investment Information Sheet (KIIS) for each investment, available at www.goparity.com. Power Parity, Lda is a crowdlending platform authorized and supervised by CMVM (Portuguese Securities Commission). All payments, transfers and funds collection are assured by MangoPay SA, an electronic payments institution authorized and supervised by CSFF (Luxembourg Financial Authority) under the nº 8711.