Country file · CA
Potential · mediumCanada: recover the withholding tax on your dividends
Every dividend paid from this country loses 25% to withholding tax at source. The tax treaty caps it at 15% for a French resident. The 10-point gap is not lost money: it can be claimed back — with the right forms, within the deadline.
No win, no fee · Pricing 100% public · FR / EN
Example for €10,000 of gross dividends, French tax resident, before our success fee. Indicative amounts — every claim is verified before filing.
Technical file
The numbers that matter
Both rates, the gap, the form and the time you have left: everything that decides whether a claim is worth opening.
25%
Statutory rate
withheld from non-residents by default
15%
Treaty rate
for a French resident
10 pts
Recoverable gap
2 years
Statute of limitations
from the end of the year of payment
Your deadline to act
2 years
Only 2 years from the end of the calendar year of withholding (form NR7-R): one of the shortest deadlines in our panel.
Compute my exact deadline →The procedure in practice
- Form
- NR7-R
- Competent authority
- Canada Revenue Agency (CRA)
- Online filing
- No
- Relief at source
- Yes
Relief at source prevents the over-withholding before it exists: the correct rate is applied at payment time. See the relief-at-source service →
Data reviewed on 15 June 2026 · Indicative amounts — every claim is verified before filing.
Specifics
What you should know about this country
- The 2-year deadline is the real Canadian trap: many overpayments expire before the investor even realises a claim was possible.
- A well-configured broker can apply 15% at source; in practice, multi-custodian accounts often slip through.
- The procedure is still paper-based: initial file quality strongly drives processing time.
Claim documents
The documents required
What we gather with you. Most of these can be requested online or produced from your brokerage statements.
- Completed NR7-R form
- Evidence of dividends and withholding (statements, NR4 slips where applicable)
- Certificate of tax residence
- A representation mandate
Frequently asked
Your questions about this country
How long do I have to reclaim the withholding tax on my Canada dividends?
2 years, from the end of the calendar year in which the dividend was paid. Past that point, the over-withholding is permanently lost, with no exception.
Which form do I need for Canada, and who do I file it with?
Form NR7-R, filed with Canada Revenue Agency (CRA). This administration has no e-filing option for this type of claim: filing is done by post.
Can I avoid this withholding at payment time, rather than reclaiming it afterwards?
Yes, in theory: Canada makes relief at source achievable for an individual — avoiding the entire 10-point gap before payment even happens. In practice it requires your broker to pass your tax status all the way to the local custodian — check with them, otherwise the full rate keeps applying regardless.
Is it worth filing a claim for Canada?
It depends on the amount: with a 10-point gap here, it doesn't take much in gross dividends to clear our €39 floor fee per successful claim. Below a few hundred euros of over-withholding, recovery becomes marginal once that fee is deducted. The simulator tells you in two minutes whether your case clears that bar.
Is Canada one of the countries with the most to recover?
Canada ranks 12th out of the 19 countries covered for a French tax resident, with a 10-point gap between the withheld rate and the treaty rate.
Resources
Go further
- Problems & risks7 min read
Tax residence certificate (Form 5000): why so many claims stall or fail
Almost every withholding tax recovery starts with the same document, Form 5000 — and it's often where claims get stuck. The five most common mistakes, and how to avoid them.
- Cost & pricing7 min read
The true cost of doing nothing about withholding tax on your foreign dividends
"Doing nothing" isn't free: it's an over-withholding that expires at the statute-of-limitations date. The numbers behind inaction, the panel's shortest deadlines, and the success fee.
- Best in class12 min read
Which countries offer the best recovery potential for a French resident?
Finland, Ireland and Switzerland on top — the UK, the Netherlands and France at zero, and we say so. All 19 countries ranked by recoverable gap for an individual French resident, with each one's traps.
- Best in class7 min read
The right refund form, country by country: the reference table
Modelo 210, Form 83, NR7-R, 276 Div.-Aut., 5000/5001… The form, the authority, the window and the filing channel for all 19 covered countries — all free from the administrations, table updated with our country database.
- Best in class9 min read
Statute of limitations: how long you have to claim, ranked by country
From Canada and Portugal (only 2 years) to Austria, Sweden, Japan and Norway (5 years): claim deadlines ranked across all 19 covered countries — with both counting rules, the 31 December cliff, and the filing order that follows.
- Comparisons9 min read
Reclaiming your withholding tax yourself vs delegating: the honest comparison
Doing it yourself costs €0 in fees — but not zero hours or zero risk. A worked Swiss scenario for both routes, the hidden costs on each side, and the threshold below which we advise you not to pay us.
- Problems & risks9 min read
Missed the statute of limitations: what happens (really)?
The honest answer: once the limitation period expires, the money is permanently lost — nobody can recover it, and beware of anyone claiming otherwise. Deadlines country by country, the 2-year Canadian trap, and how to rescue the years still open.
- Problems & risks9 min read
The 7 most common reasons withholding tax refund claims get rejected
Missing certificate, unproven chain of custody, outdated form, missed deadline… The seven rejection grounds we actually encounter, how we prevent them — and what remains possible when a rejection lands anyway.
- Cost & pricing9 min read
How much does it cost to recover withholding tax on foreign dividends?
Success fee, fixed fee or hourly billing: the market's three models, their real ranges, our marginal grid with four worked examples — and the hidden costs to hunt down, do-it-yourself included.
- Cost & pricing8 min read
Why some providers never publish their pricing (and why we do)
Ostrich marketing applied to withholding tax recovery: the real reasons behind pricing opacity, what it costs the buyer, our published-grid bet — and its openly owned limits, numbers included.
How much can you recover?
Two minutes, no sign-up: the simulator applies the rates above to your real amounts and shows our fee before you commit to anything.
No win, no fee · Pricing 100% public · FR / EN