Personal financial products are not subject to tax for the time being. Whether you have to pay taxes in the future depends on whether there are any new regulations. At present, banks do not withhold relevant taxes, and the State Administration of Taxation has no specific regulations.

The "Notice on Certain Business Tax Exemption Policies for the Purchase and Sale of Personal Financial Products" issued by the Ministry of Finance and the State Administration of Taxation stipulates that individuals (including individual industrial and commercial households and other individuals) engaged in foreign exchange, securities, non-profit Income from the trading of goods futures and other financial products is temporarily exempt from business tax.