Yes, the final withholding tax is offset with the solidarity tax and church tax in the capital gains tax (CGT) and is applied to the earnings in your Ginmon portfolio. Without a payout, only dividends are taxed during the year. Your capital gains will only be taxed if you sell.
Taking into account the annual saver's allowance of up to EUR 801 (if an exemption order has been issued), capital gains are paid directly through our partner bank DAB BNP Paribas. Capital losses are also taken into account in the loss offset pool