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Bitcoin gains tax-free in Germany after 12 months; complex rules apply to savings plans and ETPs.

Market News
09 Sep 2026
CryptoTicker
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Neutral
Bitcoin gains tax-free in Germany after 12 months; complex rules apply to savings plans and ETPs.

In Germany, Bitcoin gains are tax-free if held for more than twelve months, but gains sold earlier are taxed at personal income tax rates up to 45%. Each purchase in a Bitcoin savings plan has its own twelve-month holding period, complicating tax calculations. Bitcoin exchange-traded products (ETPs) may be taxed differently depending on their structure, with some subject to flat withholding tax. Transfers between personal wallets are not taxable events. A draft bill proposes taxing Bitcoin gains as investment income from 2027, but it is not yet law. Investors should carefully track acquisition dates and consult tax advice for complex cases.

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