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

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

Checked November 2026Information, not tax advice

19%

on cash-outs minus purchase costs

on swaps between cryptos

PIT-38

the form for your crypto

The rules

The rules in Poland in short

Checked November 2026

What is taxed: Selling crypto for money, paying for goods or services with crypto, settling debts with it.
Rate: 19% on income (cash-outs minus costs); 4% extra above PLN 1 million total income.
Not taxed: Swaps between cryptos, stablecoins included. Moving coins between your own wallets. Staking and airdrops on receipt (no cost, taxed when sold).
Holding period: No holding period and no matching: all purchase costs of the year count, and unused costs carry forward to next year.
Where to declare: PIT-38, also in years with only purchases (to keep the costs).
Key dates: Calendar year. PIT-38 and payment from 15 February to 30 April of the following year.

Quick estimate · no account needed

Received for the coins you sold in 2026złWhat those coins cost youzł

Net gain in 2026	25,000 zł
Tax at 19%	4,750 zł

Cash-outs minus purchase costs, in złoty. A simplified example. Your own situation can differ.

Worked out in your browser. Nothing is sent or saved.

For the exact figure, upload your exchange files: the estimate for every sale is free with an account.

PRO

Upload your exchange files and get a free estimate with the rules for Poland. Pro adds the check for missing costs and the file for your accountant.

Export guide

Step by step: how to download your history from each exchange the tax overview reads.

FAQ

What is taxed on crypto in Poland?

Selling crypto for money, paying for goods or services with crypto, settling debts with it.

How much tax do you pay on crypto in Poland?

19% on income (cash-outs minus costs); 4% extra above PLN 1 million total income.

What is not taxed?

Swaps between cryptos, stablecoins included. Moving coins between your own wallets. Staking and airdrops on receipt (no cost, taxed when sold).

Does it matter how long you hold your crypto?

No holding period and no matching: all purchase costs of the year count, and unused costs carry forward to next year.

Where do you declare crypto?

PIT-38, also in years with only purchases (to keep the costs).

When do you declare?

Calendar year. PIT-38 and payment from 15 February to 30 April of the following year.

Check it yourself

Ministerstwo Finansów (podatki.gov.pl) · Zbycie kryptowalutThe finance ministry's page: what counts as a disposal, swaps not taxed, how costs and carried-over costs work, PIT-38.
Ministerstwo Finansów (podatki.gov.pl) · Broszura informacyjna do PIT-38 za 2025 r.The ministry's PIT-38 brochure: the crypto boxes (poz. 36–45) and the 19% rate.

No exchange login, no stored keys
You upload the files your exchange gives you. We never ask for exchange passwords or wallet signatures. Your data is stored in the EU (Frankfurt) and never sold.
One price, no fee per tax year
Every tax year is included, and your whole history in the files you upload counts for your purchase prices, so older buys are not lost. Pro covers up to 3,000 transactions a year; Pro Large up to 20,000.
Free for your accountant
Share your report and your accountant gets a free dashboard: the figures, open issues and a CSV. No subscription for them. Available for accountants in Belgium and the Netherlands.
For accountants →

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