Your Guide to Crypto Taxes in the Netherlands: File with Confidence

If you’re holding crypto in the Netherlands, you might be wondering how that impacts your taxes. The answer? It depends on what you did—and how much your crypto was worth at the start of the year.

The Dutch tax system is a bit unique compared to the rest of Europe, but don’t worry. We’ll break it down clearly so you can file with confidence. And with bunq, managing your crypto (and staying compliant) is simpler than ever. 

Is Crypto Taxed in the Netherlands?

Yes, even if you didn’t sell your crypto.

In the Netherlands, you’re generally taxed on the presumed increase in the value of your assets, including crypto. It doesn’t matter if you sold it—just holding it can be taxed.

You may also pay Income Tax if you earned crypto through things like staking or mining.

Here’s when tax usually applies:

• If your crypto holdings exceeded the personal exemption (€57,684 in 2025) — applies to Box 3 (Wealth Tax).

• If you earned income from staking, mining, or crypto payments — treated as Box 1 income tax, regardless of wealth threshold.

• If you were day trading crypto as a professional activity — also Box 1 income tax and independent from the wealth exemption.

You can see the latest Belastingdienst Income Tax rates here.

What’s Not Taxed

Good news: many crypto activities are tax-free under Dutch law. You don’t have to pay taxes when you:

• Buy crypto with euros

• Hold crypto (if under the exemption limit)

• Sell crypto for euros (selling is not a taxable event for capital gains, but holdings are always taxed based on their value as of January 1)

• Swap one crypto for another

• Transfer between your own wallets

• Gift crypto (within gift tax thresholds)

• Donate crypto to a registered charity
  
  

How to Report Crypto Taxes in the Netherlands

Tax season runs from March 1 to May 1.

You’ll report your crypto through the MijnBelastingdienst portal in two places:

• Box 3 – for the value of your crypto on January 1 (Wealth Tax)

• Box 1 – for any income earned from crypto (e.g., staking or mining rewards)

Tax rates:

• On Box 3, a presumed yield (e.g., 6.04%) is applied on holdings above €57,000, and taxed at 36% (These rates may change annually, always verify with Belastingdienst).

• On Box 1 income, regular Income Tax applies depending on your total income bracket.

Reminder: You must use the value of your crypto on January 1st of the tax year.

Crypto Tax Filing Tips

1. Track Your Activity

Keep records of all your trades and transfers throughout the year. Don’t wait until tax season.

2. Export Your bunq Bank Statements

If you used bunq for crypto-related activity, your transaction history is ready whenever you need it:

1. Open the bunq app and tap your Profile in the top left

2. Select ‘Accounting’

3. Tap ‘Export Bank Statement’

4. Choose your date range and file format (PDF, CSV, or MT940)

5. Tap ‘Export Statement’

This will include all relevant transactions across your bunq accounts, which is helpful when calculating your crypto tax declaration.

Visit help.bunq.com for more information on this topic. 

3. Use a Local Tax Tool

Tax rules vary by country. Use a local tax platform or speak with a certified advisor who understands crypto investing in the EU. This helps ensure you file accurately and avoid any surprises.

Explore Crypto with bunq

With bunq Crypto, you can buy and manage crypto directly from your banking app—no extra accounts or complex wallets required.

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Learn more about bunq Crypto →

Stay Compliant with Confidence

The Dutch tax system may be changing, but you can stay ahead of the curve with bunq. Whether you’re building your crypto portfolio or just holding, we help you stay organized, stay compliant, and stay in control.

Disclaimer: For authoritative, up-to-date tax rates and rules, always consult the Dutch Belastingdienst or a certified tax advisor.

Sources:
Kraken: Netherlands Crypto Tax Guide

Belastingdienst: Most Important Rates and Percentages 2025

Belastingdienst: Ik heb crypto’s, moet ik daarover aangifte doen?