Deduct bank fees from tax
Account maintenance, card fees, and transaction costs on your business account are deductible. Norman recognizes them straight from automatic bank matching.
Deduct bank fees and account costs
From the EÜR to VAT returns to income tax: Norman prepares, reviews, and submits everything directly to the tax office.
Automated EÜR preparation
Norman maintains your income-expenditure report continuously and prepares it automatically at year-end.
Deductions you'd otherwise miss
Norman's AI checks every expense for deductibility. No deduction slips through anymore.
Income tax declaration
Norman pre-fills your income tax declaration with data from your ongoing bookkeeping.
ELSTER submission included
Submit your tax declarations directly from Norman to the tax office, no extra software needed.
Live tax estimates
See at any time how much tax is coming your way and plan ahead with real-time data.
What Norman takes off your month-end
Norman reduces recurring finance work before receipts, VAT, and deadlines become a problem.
sorting receipts each month
to keep in sync
before every deadline
Norman instead of manual finance routine
Receipts, invoices, tax data, and advisor handoff work together instead of splitting across five tools.
| Manual without Norman | |
|---|---|---|
| Receipts | Captured and categorized as they arrive | Pile up in your inbox and shoeboxes |
| Client invoices | One workflow with automatic reminders | Word template and manual sending |
| EÜR & VAT returns | Prepared from live data | Built in spreadsheets at deadline |
| Advisor handoff | One login, structured data | ZIP via email and follow-ups |
Plans that grow with your workflow
Start free and unlock tax, team, and automation features when you need them.
Free
Core accounting for free.
/month (excl. VAT)
- Unlimited e-invoicing
- Tax write-off tips
- Bank sync
- AI Autopilot
- Connect to ChatGPT & Claude
Klein
For Kleinunternehmer.
/month (excl. VAT)
- Annual tax declarations (EÜR)
- Personal income tax
- Declare salary as an employee
- EU revenue reports (ZM)
- Invoicing pro plan
Pro
For self-employed charging VAT.
/month (excl. VAT)
- VAT returns
- All tax declarations
- Tax efficiency score
- Receipt auto-matching
- Invoicing pro plan
FAQ
Which banking costs can I deduct?
Account maintenance charges, card fees, transaction and foreign-currency fees, and interest on business loans, to the extent they relate to an account used for business.
What if I use my private account for business?
Then only the business share is deductible, and the allocation gets laborious. A separate business account is considerably simpler, and corporations are required to have one anyway.
Do bank fees include VAT?
Usually not. Most banking services are VAT-exempt under § 4 no. 8 UStG, so there is no input VAT to reclaim. The amount you paid is deductible in full as a business expense.
Do I need a separate receipt for every fee?
The bank statement is sufficient evidence, since it shows the amount, date, and purpose. Annual statements or fee summaries from the bank are a useful addition.