Bitpanda Tax Report 2026
How do I pay tax on crypto and stocks at Bitpanda? Why does Bitpanda deduct KESt automatically in Austria, while in Germany you must declare everything yourself via Anlage SO and Anlage KAP? Step by step for the 2025 tax return (filing in 2026).
What is the Bitpanda tax report?
Bitpanda is an Austrian provider (FMA-regulated) for crypto, stocks, ETFs and precious metals. Tax-wise, Bitpanda is split in two: in Austria, Bitpanda is a domestic withholding agent and deducts KESt automatically; in Germany, Bitpanda is a foreign provider without any tax deduction — you declare everything yourself. The tax report documents:
- Crypto disposals (crypto→EUR and crypto→crypto) with holding period and gain/loss
- Gains from Bitpanda Stocks & ETFs (backed by real underlying securities)
- Dividends including withheld US withholding tax
- Staking, lending and Bitpanda Earn income
- In Austria: the KESt already remitted (official tax certificate in accordance with the SteuerreportingVO)
How to find the tax report at Bitpanda
Open your profile. Tax documents are kept separately from the regular transaction overview.
Austrian clients find the official tax certificate here with the KESt already remitted. For Germany you export the transaction/tax report (Bitpanda cooperates with Blockpit for crypto tax calculation).
Download the report for tax year 2025. For active crypto traders the CSV export is useful to accurately capture holding periods and FIFO calculations.
In Germany you enter crypto into Anlage SO and stocks/ETFs into Anlage KAP. In Austria the KESt has already been remitted — you normally do not need to declare anything.
🇩🇪 Germany: crypto via Anlage SO, stocks via Anlage KAP
Because Bitpanda is a foreign provider for German investors, Bitpanda withholds no German tax. You declare everything yourself — and crypto and securities are treated completely differently:
- Crypto = private disposal transaction (§23 EStG): tax-free after more than 1 year of holding; under 1 year taxed at the personal income tax rate (not 25 %); annual exemption threshold of €1,000
- Crypto-to-crypto swaps are taxable in Germany (each exchange = disposal) — unlike in Austria
- Staking/lending/earn rewards are miscellaneous income (recognised at market value on receipt, Anlage SO)
- Bitpanda Stocks & ETFs are subject to 25 % Abgeltungsteuer — declared via Anlage KAP in the absence of tax deduction (ETF income including Vorabpauschale via KAP-INV, self-calculated)
What goes where? (Germany 2025)
| Income type | Taxation | Form |
|---|---|---|
| Crypto held < 1 year | personal income tax rate | Anlage SO (threshold €1,000) |
| Crypto held > 1 year | tax-free | — |
| Staking / Lending / Earn | miscellaneous income | Anlage SO |
| Stock/ETF gains | 25 % Abgeltungsteuer | Anlage KAP / KAP-INV |
| US dividends | 25 % (15 % withholding creditable) | Anlage KAP |
The Bitpanda/Blockpit report calculates holding periods and FIFO automatically — especially with many crypto trades this saves you the manual calculation. Nevertheless check that all wallet inflows and outflows are captured.
🇦🇹 Austria: KESt automatic — also on crypto
Since 1 January 2024 Bitpanda is obliged to withhold and remit KESt of 27.5 % on crypto gains and on gains from Bitpanda Stocks/ETFs automatically (tax-simple depot). You normally do not need to declare anything. You only need to act if:
- You realised gains before 2024 — for these there was no automatic KESt deduction yet
- You also hold crypto/securities on other platforms and want to offset losses across platforms
- You want to use the Regelbesteuerungsoption (standard assessment option) (marginal tax rate below 27.5 %)
US shares are generally subject to 30 % US withholding tax. With a submitted W-8BEN form the double taxation treaty would reduce this to 15 % — as of 2026 Bitpanda in some cases still withholds the full 30 %. Check your tax report: excess withholding tax can be reclaimed in Austria via assessment, or in Germany via Anlage KAP (only 15 % is creditable; the remainder via a US refund claim).
Tax report comparison: Bitpanda vs. competitors
| Broker | DE tax deduction | AT tax-simple (auto KESt) | Crypto tax report |
|---|---|---|---|
| Bitpanda | ⚠️ self-declare | ✓ (crypto + stocks) | ✓ core product |
| Trade Republic | ✓ auto | ✓ (since 04/2025) | ✓ integrated |
| Scalable Capital | ✓ auto | ✓ (since 2024) | — ETPs only |
| Flatex | ✓ auto | ✓ | — no crypto |
| Interactive Brokers | ⚠️ self-declare | ❌ | ~ via tools only |
FAQ — Bitpanda taxes 2026
Does Bitpanda deduct tax automatically in Germany?
No. For German investors, Bitpanda is a foreign provider with no tax deduction — you declare crypto (Anlage SO) and stocks/ETFs (Anlage KAP) yourself. In Austria, Bitpanda remits KESt automatically.
Is crypto at Bitpanda tax-free in Germany after 1 year?
Yes. If you hold a cryptocurrency for more than one year, the disposal is tax-free in Germany (§23 EStG). Under one year your personal income tax rate applies, with an annual exemption threshold of €1,000.
Is a crypto-to-crypto swap taxable?
In Germany yes — every swap (e.g. BTC→ETH) is a disposal and triggers tax within the 1-year holding period. In Austria crypto-to-crypto swaps have been tax-neutral since 2022; tax is only triggered on conversion to euros/fiat.
How are Bitpanda Stocks taxed?
Bitpanda Stocks replicate real shares/ETFs. In Austria, Bitpanda deducts 27.5 % KESt automatically. In Germany you declare the gains and dividends yourself via Anlage KAP (25 % Abgeltungsteuer).
Where do I get the Bitpanda tax report for 2025?
In your profile under Tax Report. The Austrian official tax certificate in accordance with the new SteuerreportingVO is available from early 2026 for the year 2025; the German crypto report is provided by Bitpanda via the Blockpit integration.
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