Hello to the void
I am trying to buy Premium Bonds (a scheme run by the UK government) for my kids. Aside from NS&I (the organisation that runs it) being absolute f*ckwits, the biggest hurdle so far has been finding a law firm here in Germany that will simply stamp one of my bank statements, (required as proof of my identity) to confirm that I am who I say I am, so I can complete the purchase.
I have tried a couple of Anwältin so far but have only been met with frosty silence.
Any ideas?
Looking for a law firm that can certify a bank statement
- Bayrisch_Dude
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Re: Looking for a law firm that can certify a bank statement
I believe a Notar would resolve this. They are lawyers first, then become a Notar. Methinks they would be best suited.
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Re: Looking for a law firm that can certify a bank statement
Thanks, yep, already tried one, got nothing. Any specific recommendations of practices would be much appreciated, ideally in the Münster (NRW) area.
- Fraufruit
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yesterday
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Re: Looking for a law firm that can certify a bank statement
I have tried to certify by the police, many times, sometimes it works, most times it does not, as they are longer required to this. It just depends if the police station you ask knows the rules or not or how friendly they want to be.
I got my documents certified by a TAX accountant in the end, for opening a new bank account.
Pre bonds are a particular problem, because you can gain income from them, if you get the lucky numbers. If you ( or your children win ), its seen as income and should be reported to the Finanzamt in your tax tax return. IF you or your children win the 1 million prize, then you should pay a lot of TAX on it if you live in Germany.
The Finanzamt, view this as income, because your investment value is not at risk, ie you cannot lose your investment, its not at risk, the value you get back is exactly the same when you come to sell it, so the Finanzamt view it as income, which you need to list in your tax return and pay TAX on it.
Of course if you live in the UK, the TAX rules are different, and you do not pay TAX on any luck gains from pre bonds.
However I know a lot of people who do have pre bonds and in live in Germany, they do not declare and income to the Finanzamt, and have never been caught out.
By the way, pre bonds are not considered a good investment, unless you win the 1 million prize of course, but the chance is very very very low. and the predicted pay outs are low in comparison with other investments. Your children will be better of most times, if you buy them a low cost index fund.
I got my documents certified by a TAX accountant in the end, for opening a new bank account.
Pre bonds are a particular problem, because you can gain income from them, if you get the lucky numbers. If you ( or your children win ), its seen as income and should be reported to the Finanzamt in your tax tax return. IF you or your children win the 1 million prize, then you should pay a lot of TAX on it if you live in Germany.
The Finanzamt, view this as income, because your investment value is not at risk, ie you cannot lose your investment, its not at risk, the value you get back is exactly the same when you come to sell it, so the Finanzamt view it as income, which you need to list in your tax return and pay TAX on it.
Of course if you live in the UK, the TAX rules are different, and you do not pay TAX on any luck gains from pre bonds.
However I know a lot of people who do have pre bonds and in live in Germany, they do not declare and income to the Finanzamt, and have never been caught out.
By the way, pre bonds are not considered a good investment, unless you win the 1 million prize of course, but the chance is very very very low. and the predicted pay outs are low in comparison with other investments. Your children will be better of most times, if you buy them a low cost index fund.
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alma.freya
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Re: Looking for a law firm that can certify a bank statement
The premium bonds lose value due to inflation, so perhaps the lost value of the bonds can be offset against capital gains/income?yesterday wrote: ↑Tue Oct 28, 2025 11:43 am I have tried to certify by the police, many times, sometimes it works, most times it does not, as they are longer required to this. It just depends if the police station you ask knows the rules or not or how friendly they want to be.
I got my documents certified by a TAX accountant in the end, for opening a new bank account.
Pre bonds are a particular problem, because you can gain income from them, if you get the lucky numbers. If you ( or your children win ), its seen as income and should be reported to the Finanzamt in your tax tax return. IF you or your children win the 1 million prize, then you should pay a lot of TAX on it if you live in Germany.
The Finanzamt, view this as income, because your investment value is not at risk, ie you cannot lose your investment, its not at risk, the value you get back is exactly the same when you come to sell it, so the Finanzamt view it as income, which you need to list in your tax return and pay TAX on it.
Of course if you live in the UK, the TAX rules are different, and you do not pay TAX on any luck gains from pre bonds.
However I know a lot of people who do have pre bonds and in live in Germany, they do not declare and income to the Finanzamt, and have never been caught out.
By the way, pre bonds are not considered a good investment, unless you win the 1 million prize of course, but the chance is very very very low. and the predicted pay outs are low in comparison with other investments. Your children will be better of most times, if you buy them a low cost index fund.
- PandaMunich
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Re: Looking for a law firm that can certify a bank statement
No.alma.freya wrote: ↑Tue Oct 28, 2025 5:25 pm The premium bonds lose value due to inflation, so perhaps the lost value of the bonds can be offset against capital gains/income?