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

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

Checked November 2026Information, not tax advice

19%–30%

on gains, rising in bands

€50,000

on foreign platforms above this: Modelo 721

FIFO

oldest coins count as sold first

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The rules

The rules in Spain in short

Checked November 2026
What is taxed
Every sale, every swap between cryptos and every payment with crypto. Staking rewards count as savings income.
Rate
Savings income: 19% up to €6,000, 21% to €50,000, 23% to €200,000, 27% to €300,000 and 30% above.
Not taxed
Simply holding. There is no yearly allowance.
Holding period
No holding period. Oldest coins first (FIFO), across all your exchanges together.
Where to declare
Your income tax return (IRPF). Modelo 721 when your crypto on foreign platforms is worth more than €50,000 on 31 December; Modelo 714 if you owe wealth tax.
Key dates
Income tax return: April to 30 June. Modelo 721: 1 January to 31 March.

Quick estimate · no account needed

What would you pay?

Net gain in 2026€25,000
Tax (19% on the first €6,000, 21% above)€5,130

A simplified example. Your own situation can differ.

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

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

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Export guide

Export guides per exchange

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

FAQ

Questions people ask

What is taxed on crypto in Spain?

Every sale, every swap between cryptos and every payment with crypto. Staking rewards count as savings income.

How much tax do you pay on crypto in Spain?

Savings income: 19% up to €6,000, 21% to €50,000, 23% to €200,000, 27% to €300,000 and 30% above.

What is not taxed?

Simply holding. There is no yearly allowance.

Does it matter how long you hold your crypto?

No holding period. Oldest coins first (FIFO), across all your exchanges together.

Where do you declare crypto?

Your income tax return (IRPF). Modelo 721 when your crypto on foreign platforms is worth more than €50,000 on 31 December; Modelo 714 if you owe wealth tax.

When do you declare?

Income tax return: April to 30 June. Modelo 721: 1 January to 31 March.

Check it yourself

Official sources

  • No exchange login, no stored keys

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