{"id":13934,"date":"2019-06-18T11:58:32","date_gmt":"2019-06-18T09:58:32","guid":{"rendered":"https:\/\/seoblog.taxback.com\/?p=13934"},"modified":"2019-06-18T12:01:13","modified_gmt":"2019-06-18T10:01:13","slug":"what-is-a-tax-credit-certificate-in-ireland","status":"publish","type":"post","link":"https:\/\/www.taxback.com\/blog\/what-is-a-tax-credit-certificate-in-ireland\/","title":{"rendered":"What Is a Tax Credit Certificate?"},"content":{"rendered":"

Tax is a complicated but unavoidable part of life \u2013 there are no two ways about it – especially when it comes to trying to understand the countless forms, complicated tax rates and straight-up confusing terminology.<\/p>\n

If you\u2019re looking into filing your taxes or you want to claim a tax refund, you might have noticed the term\u00a0\u2018tax credit certificate\u2019<\/b>\u00a0pop up again and again \u2013 but what is a tax credit certificate and what is it used for?<\/p>\n\n

Before we get into tax credit certificates, we should probably take a quick look at tax credits.<\/p>\n

Don\u2019t worry, it\u2019ll only take a second!<\/p>\n

What is a tax credit?<\/b><\/h2>\n

A tax credit reduces your tax liability (that\u2019s the amount of tax you pay in non-accountant terms). Everyone is entitled to Personal Tax Credits but there are other tax credits that you may be entitled to depending on your personal circumstances i.e.\u00a0the Home Carer Credit<\/a>.<\/p>\n

Usually, tax credits are given on a cumulative basis (meaning they\u2019re given for a full year). So, whether you start working in January during the first few weeks of the tax year or you start working in July, 7 months into the tax year, you\u2019ll still receive a full year\u2019s tax credits.<\/p>\n

Tax credits and deductions are distributed evenly throughout the year. If you\u2019re working for the full year, your tax credits are spread divided into 52 weekly or 12 monthly equal amounts depending on how often you receive your paycheck. If you would like to know more about tax credits then be sure to read our guide to understanding tax credits<\/a>.<\/p>\n

Now that we have that out of the way, let\u2019s get to the real question\u2026<\/p>\n

What is a tax credit certificate?<\/b><\/h2>\n

A tax credit certificate contains information on which tax credits are being used to decrease the amount of tax that you pay. It also indicates whether or not you\u2019re currently liable or exempt from contributing to the Universal Social Charge (USC).<\/p>\n

Your tax credit certificate also states how your relevant tax bands are allocated if you\u2019re taxes are jointly assessed between you and your spouse.<\/p>\n

What can my Tax Credit Certificate be used for?<\/b><\/h2>\n

If you\u2019re a PAYE worker, your tax credit certificate will be used by your employer.<\/p>\n

But why?<\/p>\n

Well, they\u2019ll use it to calculate how much tax they should deduct from your earnings in each paycheck.<\/p>\n

If your employer doesn\u2019t have access to your tax credit certificate, it will be impossible for them to decrease the amount of tax you pay meaning you\u2019ll end up overpaying tax.<\/p>\n

If you believe you\u2019ve overpaid tax, you should claim it back! I mean, why let the government keep your hard-earned dosh?<\/p>\n

Taxback can help you claim, we\u2019ll even check to see what tax credits you may be entitled to\u2026 and we don\u2019t just help PAYE employees, if you\u2019re filing your self-assessed taxes<\/a>, we have a service for that too!<\/p>\n

Get Your Irish Tax Refund Now!<\/a><\/p>\n

How do I get my Tax Credit Certificate?<\/b><\/h2>\n

When you get a job for the first time, you\u2019ll have to register your first job on Revenue\u2019s myAccount.<\/p>\n

You must provide details including your PPS number, your address and information about your employer. Revenue will then automatically send you a new Tax Credit Certificate each year.<\/p>\n

Will my Tax Credit Certificate include tax credits that I\u2019m entitled to?<\/b><\/h2>\n

In short, the answer to this question is\u00a0no<\/b>. Most likely, Revenue will only include PAYE and personal taxation credits.<\/p>\n

There are lots of other tax credits available depending on your personal circumstances. Common tax credits include medical expenses, pension contributions and tuition fees.<\/p>\n

If you\u2019d like to find out more about what tax credits you can claim, check this out or you might want to read our article on lesser-known tax credits.<\/p>\n

Note:\u00a0<\/b>You\u2019ll have to apply to Revenue if you wish to have tax credits added or removed from your Tax Credit Certificate. They will then provide a new, updated certificate.<\/p>\n

\"PAYE<\/p>\n

PAYE Modernisation<\/b><\/h2>\n

From the 1st<\/sup>\u00a0of January 2019, new changes were introduced to Ireland\u2019s PAYE system. This is known as\u00a0PAYE modernisation<\/a>. The most important aspect of this is the introduction of RTT or \u2018real-time reporting\u2019. This means employers must ensure that all payments and deductions are correctly calculated and reported in real-time as part of the payroll process.<\/p>\n

What this means for you is that you will not receive a P60 or a P45 payment document. Instead, Revenue will store this information online and you will be able to check it as you please.<\/p>\n

Being caught out paying emergency tax will be less of an issue for employees because of this since your employer can easily access the information they need to prevent it. In fact, the only time you\u2019ll be caught out with that pesky old emergency tax is if;<\/p>\n

    \n
  1. You have not provided your PPS to your employer (or)<\/li>\n
  2. If you\u2019re not registered for PAYE. Please be aware that you can register for PAYE when you\u2019re registering your job on your Revenue online account.<\/li>\n<\/ol>\n

    Need help filing your self-assessed tax return?<\/strong><\/p>\r\n

    Contact Us Today<\/a><\/p>\n

    How do I claim PAYE tax credits?<\/b><\/h2>\n

    You can claim tax back for the past 4 years meaning if you have any unclaimed tax credits, you could be due a big tax refund. Taxback will check as far back as four years to see if you’re due tax back on credits like the Single Person Child Carer Credit or the Married\/Civil Partner Tax Credit for instance. We will also check if you’re due tax relief on things like medical expenses<\/a>\u00a0or\u00a0home improvements<\/a>.<\/p>\n

    Can I claim tax credits if I\u2019m self-assessed?<\/b><\/h2>\n

    Tax credits can be used to reduce your tax bill. If you\u2019re using the self-assessed tax system, you should be aware of what tax credits you\u2019re entitled to.<\/p>\n

    An example would be the Earned Income Tax Credit which applies to the majority of self-employed people. You may also be entitled to claim tax relief on medical expenses, Rent-a-Room relief and so on.<\/p>\n","protected":false},"excerpt":{"rendered":"Tax credit certificates are key to reducing your tax liability and ensuring accurate deductions from your paycheck. Learn how they work, how to claim yours, and how to maximize your tax credits.\n","protected":false},"author":388,"featured_media":13935,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"yes","_lmt_disable":"no","footnotes":""},"categories":[368,361],"tags":[],"class_list":{"0":"post-13934","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tax-tips-ireland","8":"category-tax-tips"},"acf":[],"yoast_head":"\nWhat Is a Tax Credit Certificate? Simplify Your Taxes Today!<\/title>\n<meta name=\"description\" content=\"Confused about tax credit certificates? Learn what they are, how they work, and how they help reduce your tax bill. Discover how to claim refunds and maximize credits easily!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.taxback.com\/blog\/what-is-a-tax-credit-certificate-in-ireland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Tax Credit Certificate? Simplify Your Taxes Today!\" \/>\n<meta property=\"og:description\" content=\"Confused about tax credit certificates? Learn what they are, how they work, and how they help reduce your tax bill. 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