Crypto tax in Croatia (2026): rules, rate and deadlines

The main crypto tax rules for private investors in Croatia, in plain language, with the official sources.

Checked November 2026Information, not tax advice

12%

on gains from coins held 2 years or less

2 years

held longer: gains are tax-free

on swaps between cryptos

JOPPD

the form for your crypto

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The rules

The rules in Croatia in short

Checked November 2026

What is taxed: Turning crypto into money (euro or another currency). Swaps between cryptos are not taxed. Mining is other income when received. Whether paying with crypto counts has not been addressed.
Rate: 12% on the year's net gain, no surtax (since 2024). Losses only offset gains of the same calendar year.
Not taxed: Gains on coins held more than 2 years (still reported on JOPPD). Swaps between cryptos. Gifts you receive (the giver's purchase date and price carry over).
Holding period: 2 years. Records follow first in, first out. Swapped coins keep the old purchase price; the tax office has not said whether a swap restarts the 2 years, here it runs from the original purchase.
Where to declare: The JOPPD form, filed by yourself in ePorezna for the whole year (exempt gains too).
Key dates: Calendar year. JOPPD and payment by the last day of February of the following year.

Quick estimate · no account needed

What would you pay?

Received for the coins you sold in 2026€What those coins cost you€

Net gain in 2026	€25,000
Tax at 12%	€3,000

For coins held 2 years or less. Held longer, this gain is tax-free. A simplified example. Your own situation can differ.

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FAQ

Questions people ask

What is taxed on crypto in Croatia?

Turning crypto into money (euro or another currency). Swaps between cryptos are not taxed. Mining is other income when received. Whether paying with crypto counts has not been addressed.

How much tax do you pay on crypto in Croatia?

12% on the year's net gain, no surtax (since 2024). Losses only offset gains of the same calendar year.

What is not taxed?

Gains on coins held more than 2 years (still reported on JOPPD). Swaps between cryptos. Gifts you receive (the giver's purchase date and price carry over).

Does it matter how long you hold your crypto?

2 years. Records follow first in, first out. Swapped coins keep the old purchase price; the tax office has not said whether a swap restarts the 2 years, here it runs from the original purchase.

Where do you declare crypto?

The JOPPD form, filed by yourself in ePorezna for the whole year (exempt gains too).

When do you declare?

Calendar year. JOPPD and payment by the last day of February of the following year.

Check it yourself

Official sources

Narodne novine · Zakon o izmjenama i dopunama Zakona o porezu na dohodak (NN 114/2023)The 2023 amendment to the Income Tax Act: 12% on capital gains, no surtax, from 2024.
Porezna uprava · Mišljenje 2335: zamjena virtualnih valutaTax office opinion: swapping one virtual currency for another is not taxed; the gain arises on conversion to money.
Porezna uprava · Mišljenje 2266: rudarenje kriptovalutaTax office opinion on mining: other income when received; the cost of mined coins for a later sale.
Porezna uprava · Dohodak od kapitala po osnovi kapitalnih dobitakaTax office page on capital gains: the 2-year rule and losses only within the same year.
Porezna uprava · Primjer podnošenja obrasca JOPPD za primitke po osnovi trgovanja kriptoimovinomTax office example of the JOPPD form for crypto: what to report, exempt gains included, and the date.
Porezna uprava · Oporezivanje kapitalnih dobitaka i izvješćivanje putem obrasca JOPPDTax office page on reporting capital gains with JOPPD, exempt gains included.

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Information, not tax advice. Rules change; check your return with your tax authority or an accountant. All sources & methods