When does the tax occur when selling ETF in Germany?

Question

For example, I'm living in Germany and want to buy ETFs from Ing bank. If I buy an ETF for 10 Euro, then later I sell it for 15 Euro (but didn't withdraw the money out of the bank). At that time, does the tax occur? (e.g: will I have to pay the tax over 5 Euro profit).
It seems to be like that, but just want to confirm. Basically, I want to use the profit in the bank's broker account to buy more ETFs.
Another question, if an ETF pays the dividend each year, also if I don't withdraw money from the bank's broker account. Will I need to pay the tax (25% from the dividend)?

BeschtPlaier · Accepted Answer

The tax will be paid automatically when you sell your ETF. You will get some kind of billing, where everything is written in detail. Same for dividends. It doesn't matter if you don't withdraw the money, you still made profit with stocks = you need to pay taxes.
But you have a "Sparer-Pauschbetrag" of 801€ per year, which means 801€ per year are tax-free. If you don't applied for one already, you can get all taxes you paid (as long as your profit is <801€) back with your tax declaration.

When does the tax occur when selling ETF in Germany?

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