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Tax treatment of a 1 year Fixed Rate bond

if i park some money in a 1 year fixed term bond account (May05) the interest is credited to my account at maturity (May 06). does that mean the entire interest on the bond needn't be declared till i fill in my tax form for the year ending April 07?

if so that's a nice little pick up for a high rate tax payer i believe.

Comments

  • djohn2002uk
    djohn2002uk Posts: 2,323 Forumite
    I think you may find that the interest credited will be less tax @20%.
  • spoonface
    spoonface Posts: 13 Forumite
    i know but a 40% tax payer must declare the interest earnt on his tax form and pay an additional 20% at that time.

    the question is does one have to declare interest accrued even though it has not been credited as per the example in my original post.

    thanks.
  • spoonface

    No - declare it when it has been paid (when you get your interest certificate from the bank/building soc.):j
  • spoonface
    spoonface Posts: 13 Forumite
    so my hunch was right. thanks.
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