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Question

UK RESIDENT SEEKING ADVICE ON PAYING US TAX ON INTEREST INCOME FROM US-HELD CERTIFICATE OF DEPOSIT

I'm a UK citizen, UK resident and UK taxpayer. I have some money invested in a CD in a bank in Minnesota, and have received Form 1099-INT detailing my Interest Income for 2008. I'm aware that I need to pay federal tax on this interest income and that, as a non-resident alien, I need to submit form 1040(NR) to the IRS by 15 June. I'm guessing that I need to pay 15% tax on my interest income, but I have little knowledge of the UK/US tax treaty, and would be most grateful for some professional advice.

Many thanks

Submitted: 216 days and 22 hours ago.
Category: Tax
Value: $15
Status: CLOSED
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Optional Information

Shrewsbury, United Kingdom

Posted by Ed Johnson 216 days and 22 hours ago.

Answer

Dear rpfc,

 

In a nut shell, the tax treaty between the U.S. and the UK allows the U.S. first opportunity to tax this income according to the U.S. tax law.

 

The exact language says the iterest will only be taxed in the contracting state where it is earned.

 

(article 11 of the tax treaty)

 

 

.

 

 

216 days and 22 hours ago.

Reply

Ed

 

Thanks for your prompt answer. What I'm really trying to find out is how much tax I need to pay to the IRS, and if I'm correct to use Form 1040(NR). I earned $4700 in interest income from my certificate of deposit for 2008.

 

Thanks again

 

Mike

Posted by Ed Johnson 216 days and 21 hours ago.

Answer

Dear Mike,

 

If you have interest income you must use 1040NR. You can not use 1040NR-EZ.

 

If line 40 from the 1040NR is 4700 dollars, your tax will be about 473 dollars. see the tax table on pages 33 and 34 of this publication: http://www.irs.gov/pub/irs-pdf/i1040nr.pdf

 

The UK tax treaty does not provide for a more favorable rate.

216 days and 21 hours ago.

Reply

Hi Ed

 

That's great - thank you. One last question - should I request form 1040NR through the mail or is it possible to pay this tax online?

 

Thanks again for your advice

 

Mike

Accepted Answer

You can not file a 1040-nr on line. You have to file it by mailing it in. The IRS has an electronic pay program where you can register to pay, but then you have to add the receipt to your return when you submit it.

 

You have to have a U.S. checking account or credit card in order to make the payment.

 

http://www.irs.gov/efile/article/0,,id=97400,00.html

 

You can download a copy of the 1040NR from this link: http://www.irs.gov/pub/irs-pdf/f1040nr.pdf

 

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Expert: Ed Johnson
Pos. Feedback: 99.2 %
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Answered: 4/19/2009

Tax Preparer

GPHR Cert; U.S. Treasury Tax Advocacy Panel appointee

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