Sign Up

Maclear / Troubleshooting / Do Maclear investors pay taxes on investment income: who is responsible?

Do Maclear investors pay taxes on investment income: who is responsible?

08/03/2026

7 min

Maclear does not withhold or deduct taxes from investor income. All interest payments, referral rewards, and bonuses are credited to your account in full. Each investor is solely responsible for declaring and paying taxes in accordance with the laws of their country of tax residence. To support reporting, Maclear provides a downloadable tax statement — see Article.

Maclear AG is not a tax advisor and does not provide tax advice. The information in this article is general guidance only and does not constitute legal or tax advice. Consult a qualified tax advisor in your country of residence for personalised guidance.

Who pays taxes on Maclear investment income?

Each investor is solely responsible for declaring and paying taxes on their Maclear income. This applies to interest payments from the Primary Market and Secondary Market investments, as well as referral rewards and bonuses.

Maclear processes all payments in full and does not deduct any amount on behalf of tax authorities. The platform does not file tax reports with any national tax authority on your behalf.

Does your country of tax residence affect your obligations?

Tax obligations depend entirely on the laws of your country of tax residence — not the country where the platform is registered. Although Maclear AG is a Swiss-regulated entity, Swiss tax law does not apply to investors residing in other countries.

Applicable tax rates, reporting requirements, and the classification of crowdlending income vary significantly between jurisdictions. Rules differ by country and depend on your individual status and circumstances. Maclear cannot determine which rules apply to your situation.

Does Maclear report my income to tax authorities?

No. Maclear does not report investor income to any national tax authority. You are responsible for declaring all income from your Maclear account — interest, referral rewards, bonuses, and Secondary Market profits — in your personal tax return, according to the rules of your country of residence.

What types of Maclear income should I include in my tax declaration?

All income credited to your Maclear account is potentially subject to tax reporting in your country. This includes:

  • Interest — from Primary Market and Secondary Market investments

  • Cashback — bonus credited to invited users for investments within the first 90 days after registration via referral

  • Referrer reward — income earned from investments made by users you referred within their first 90 days

  • Bonus investments  — funds from Welcome Bonus, Loyalty Bonus, Voucher, and €500+€30 programmes

  • Secondary Market profit — income from selling investments above purchase price

Whether each of these income types is taxable, and at what rate, depends on your local legislation. The Maclear tax statement covers all of these categories and is available for download from Statements → Tax in your account — see Article.

Are Maclear bonuses and referral rewards subject to tax?

Maclear does not provide tax advice and cannot determine whether bonuses or referral rewards are taxable in your country. All such payments are reflected in your tax statement. Whether they constitute taxable income depends on your local legislation — consult your tax advisor or the tax authority in your country of residence for guidance.

Can I use the Maclear tax statement for my tax return?

Yes. The Maclear tax statement is a PDF document that summarises all income and balance data for any period you select. It is generated directly from your account and is available at any time from Statements → Tax. Whether this document satisfies the requirements of your local tax authority depends on your country — check with your tax advisor if additional documentation is needed.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.


See also: How to download your Maclear tax statement: what data is included · withdraw-funds-maclear · How to contact Maclear support: all channels, response times, and escalation

Learn more on maclear.ch

Related articles

How to add or change your bank IBAN for Maclear withdrawals

Maclear doesn't allow manual IBAN entry — a new account registers itself through an incoming deposit. Any amount qualifies, including a €1 test transfer (the €50 minimum applies only to investment deposits). Once the sender name matches your profile, the IBAN auto-appears in the withdrawal dropdown. Previous IBANs stay listed — no limit on verified IBANs.

Why did my Maclear verification fail and how to fix it?

Maclear verification rejections usually trace to document quality (expired, blurry, cropped, photocopied), unsupported types (only passport, national ID, or residence permit accepted), or selfie issues (poor lighting, glasses, low resolution). Most cases resolve by retaking on a smartphone in good lighting and resubmitting immediately. Driving licences and neobank statements aren't accepted.

What documents are required for Maclear verification: ID, proof of address, and scan rules

Maclear verification has two parts: identity (KYC) and proof of address (POA), processed via Sumsub. Accepted ID: passport, national ID, residence permit — valid and not expiring within one month. Accepted POA: government, utility/telecom, bank, or lease documents from the last 3 months. Neobank statements need manual review; photocopies are always rejected.

Can I use Wise, Revolut, or a neobank to deposit funds on Maclear?

Maclear accepts SEPA deposits from Wise, Revolut, N26, and other neobanks on the same terms as traditional banks — same-name account required, €50 minimum, 1–3 BD processing. Once credited, the IBAN auto-registers for withdrawals. Neobank statements are not auto-accepted as Proof of Address — contact support first if it's your only POA option.