GET
問題 · 2026-10-12
£1,000利息收入通常毋需申請UTR，稅務局會透過PAYE自動調整，除非你年收入超過£50,270或利息達£10,000。
如果你的銀行利息收入為£1,000，是否需要申請UTR取決於你的稅率級別。基本稅率納稅人（年收入£12,571至£50,270）擁有£1,000儲蓄免稅額[1][2]，因此£1,000利息剛好免稅，通常無需報稅或申請UTR。若你年收入超過£50,270，免稅額降至£500[3]，超出的£500須繳稅，但只要利息低於£10,000，稅務局通常會透過調整你的PAYE稅務編號自動扣稅[1][3]，你仍不一定需要自行申請UTR進行Self Assessment報稅。銀行會將利息資料通報HMRC，稅務局會寄信通知你稅務調整結果[1]。
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| Presets available | Fast | Fast, Balanced & Thinking | Fast, Balanced & Thinking |
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| API access | — | — | ✓ |
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|---|---|---|---|
| Usage | |||
| Queries | Unlimited | Unlimited | Unlimited |
| AI Panels | |||
| 3-AI panel | ✓ | ✓ | ✓ |
| 4-AI panel | — | ✓ | ✓ |
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