Bitcoin taxes? We make it easy for you
In Austria 🇦🇹 we handle them automatically, and in Germany 🇩🇪 we make them as simple as possible: holding period trackers and account statements with just one click.
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How Bitcoin taxes work with 21bitcoin
🇩🇪 Germany: as simple as it gets
For privately held Bitcoin, profits are generally tax-free after a holding period of more than one year (§ 23 EStG). Our holding period tracker shows you exactly when you reach that point.
🇦🇹 Austria: automatic
We withhold the 27.5% capital gains tax on profits and pay it directly to the tax office. You do not need to include Bitcoin profits in your tax return.
🌍 All other countries
You can access account statements (PDF & CSV) for any period at any time – ready for your tax return in accordance with your country's regulations.
Find out when you can sell tax-free
The Holding Period Tracker takes your individual Bitcoin purchases into account and helps you keep track of the acquisition dates relevant for tax purposes. The basis for tax documentation is Section 23 of the German Income Tax Act (EStG) and the Federal Ministry of Finance (BMF) letter dated March 6, 2025 🇩🇪.
3 tools to simplify your taxes
Holding Period Tracker
Every purchase has its own holding period. The tracker shows you exactly which of your Bitcoin are already tax-free to sell—even with savings plans involving many individual tranches.
Account Statements & Tax Reports
Export all transactions, fees, and balances as a PDF or CSV with a single click—for a month, a year, or your entire trading history. Perfect for tax returns, banks, or your own personal records.
Seamless integrations
Our account statements can be integrated with just a few clicks into leading tracking and tax reporting platforms like Blockpit and Cointracking.
Want to store your Bitcoin yourself? No problem
Transferring your Bitcoin from 21bitcoin to your own wallet is generally not considered a sale in Germany or Austria and does not, in itself, trigger a private disposal transaction. The crucial factor is that the Bitcoin remains in your possession and is not transferred to a third party for consideration.
FAQ
Your Euro balance earns interest. We credit your interest in Euros and, if you wish, automatically convert it into Bitcoin.
You currently earn 1.21% interest per year on your euro balance, before taxes. The interest rate is variable and subject to change.
As an eligible customer, you can activate the interest feature in the 21bitcoin app. Deposit euros and choose whether you would like to receive your interest in euros or bitcoin.
No. Transferring your interest is free of charge. There are also no fees for the optional conversion into Bitcoin.
No. There is no minimum amount and no fixed commitment. Your euro balance remains available at all times.
Yes. Euro balances held for open limit orders or Auto-Invest plans also earn interest.
Volksbank Raiffeisenbank Bayern Mitte eG provides the interest. 21bitcoin passes it on to you.
No. Neither your Bitcoin nor your euro balance are lent out for this purpose. No crypto lending or DeFi strategies are used.
The interest feature is currently available to private customers in Germany and Austria. You can activate it directly in the 21bitcoin app.
If you activate the interest feature by 8:00 PM CET, interest will begin accruing on the same day. If activated later, it will start the following day. Interest is earned on your available euro balance.
Yes. You can change your payout method in the 21bitcoin app at any time. Your new selection will apply to the next interest payout.
The interest rate is variable and may rise or fall. We will notify you directly in the 21bitcoin app of any changes.
Your interest is calculated daily and credited at the beginning of the following calendar month after tax deduction. If you have chosen to receive your payout in Bitcoin, your Euro interest will be automatically converted into Bitcoin free of charge.
Our partner bank currently withholds 26.375% of interest as German capital gains tax, including the solidarity surcharge. You will be credited with the remaining amount.
This deduction does not automatically fulfill your tax obligations in your country of residence. If you are a tax resident of Austria, you must include your interest income in your tax return.
The respective tax regulations apply in other countries. Whether German tax can be credited or refunded depends on the applicable rules and any potential double taxation agreement. You are responsible for any necessary declarations and potential applications.
Legal basis & sources
Our information regarding Bitcoin taxes is based on current legal foundations and publications from the relevant tax authorities.
🇩🇪 Germany
Federal Ministry of Finance – BMF Circular dated March 6, 2025
The updated BMF circular covers the income tax classification of crypto assets, acquisition and disposal dates, the one-year holding period, as well as documentation and wallet-specific application of usage sequences such as FIFO.
Section 23 EStG – Private Disposal Transactions
The legal basis for the taxation of privately held Bitcoin in Germany. Profits from private disposal transactions remain tax-free, among other conditions, if the total profit in the calendar year is below the statutory exemption limit of €1,000.
🇦🇹 Austria
Federal Ministry of Finance – Tax Treatment of Cryptocurrencies
The Austrian Federal Ministry of Finance explains the tax treatment of cryptocurrencies, specifically the special 27.5% tax rate for income derived from cryptocurrencies and the application of capital gains tax.
As of August 2026. Tax laws are subject to change. This information is for general guidance only and does not constitute tax advice.
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