Hello, I live in Canada. I've been asked to update my w-8ben with TD. This prompt me to do a bit of searching for clear instructions, which I wasn't able to find anywhere. I did find a post that says that IB withholds 15% from dividends if they have a proper w-8ben from you, and 30% if they don't. Is that still accurate? Is that true for all other brokers in Canada as well? Interestingly enough, TD says I can just send a photocopy of my passport/driver's license, and then I won't need to renew that (unlike the w-8ben, which needs to be renewed every 3 years). Assuming that I do fill out a w-8ben, what does it mean for it to be properly filled out? Do I have to specify that I should be getting a 15% withholding rate anywhere (like Part II, #10)? I can't believe that it's so hard to find these clear instructions anywhere! Of course, maybe I just didn't search properly -- if you know of a place with clear instructions, please tell me. Thanks!