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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