Crypto tax in Finland
30% tax on crypto capital gains up to €30,000. 34% on gains exceeding €30,000.
- Short-term rate
- 30%
- Long-term rate
- 30%
- Treatment
- Flat rate
- Currency
- EUR
How Finland taxes crypto
Finland taxes cryptocurrency gains as capital income. The standard capital income tax rate is 30% on gains up to €30,000 per year, and 34% on the portion exceeding €30,000. Cryptocurrency is classified as a virtual currency and all disposals, including sales, trades, crypto-to-crypto exchanges, and purchases of goods/services with crypto, are taxable events. The Finnish Tax Administration (Vero) actively monitors crypto transactions and requires detailed reporting. Losses from cryptocurrency can be deducted from capital gains in the same year and carried forward for 5 years. Finland is known for its progressive stance on digital innovation and has a well-established regulatory framework for virtual currencies.
The same rate applies however long you held.
A 10,000 EUR gain, settled
| Held | Rate | Taken | Kept |
|---|---|---|---|
| Short-term | 30% | 3,000 | 7,000 |
This is the arithmetic the app runs on your device. Real liability depends on your residency, income, allowances and how the authority classifies your activity. Treat it as an estimate and check with a qualified adviser before you act.
Elsewhere in Europe
| Jurisdiction | Short-term | Long-term |
|---|---|---|
| Czechia | 23% | — |
| Georgia | — | — |
| Germany | 45% | — |
| Luxembourg | 42% | — |
| Malta | 35% | — |
| Portugal | 28% | — |
| Switzerland | — | — |
| Turkey | — | — |
Headline rate last checked 31 July 2026 · methodology