Trade Republic Taxes: How to File Your Tax Report
Trade Republic does not withhold taxes or file reports on your behalf. Every crypto trade, stock disposal and interest payout is your responsibility. CoinTracking imports your full Trade Republic history via CSV, calculates gains and losses, and generates a tax report ready for your country.
- Every crypto trade on Trade Republic is a taxable disposal in most EU countries. Capital gains tax applies when you sell or swap crypto.
- Stock and ETF disposals are also taxable events. In Germany, Kapitalertragsteuer (KESt) at 25% applies — Trade Republic withholds this automatically for German residents.
- Interest income from uninvested cash is taxable as capital income. Savings plan executions are not taxable on their own — only the eventual sale triggers a gain or loss.
- Under DAC8, EU brokers and crypto platforms including Trade Republic are required to report user transaction data to national tax authorities from 2026. Your trading history is increasingly visible to tax authorities.
Trade Republic and Your Tax Obligations
Trade Republic is one of Europe's fastest-growing investment platforms, offering commission-free trading in stocks, ETFs, derivatives and crypto — all within a single app. For crypto traders, every disposal is a taxable event. For stock and ETF investors, gains and dividend income are also subject to capital income tax in most EU countries.
While Trade Republic automatically withholds Kapitalertragsteuer for German residents on stocks and ETFs, it does not file comprehensive tax reports for all asset classes or all EU countries. You are responsible for declaring your full transaction history to your national tax authority.
CoinTracking supports Trade Republic via CSV import:
- Trade Republic: export your full transaction history as a CSV file from Statements and upload it to CoinTracking — covers crypto, stocks, ETFs, savings plans and interest payouts
Crypto Tax Basics: What EU Investors Need to Know
Tax rules for crypto and securities vary across EU member states. These three principles apply broadly, but always verify the specifics with your local tax authority or a qualified advisor.
Trading crypto is a taxable disposal
In most EU countries, every sale or swap of crypto is a taxable event. Capital gains tax applies to the difference between what you paid (cost basis) and what you received. In Germany, crypto held for more than 1 year is tax-free on disposal. Transfers between your own wallets do not trigger tax.
Interest and dividend income are taxable
Interest paid on uninvested cash in Trade Republic and dividends from stocks and ETFs are taxable as capital income at the point of receipt. In Germany, Trade Republic withholds KeSt at 25% automatically on stocks and ETFs — but crypto income and cross-border situations require separate reporting.
Records are your responsibility
EU platforms are required under DAC8 to report transaction data to national tax authorities from 2026. Accurate records remain your responsibility. CoinTracking maintains a complete, dated audit trail of every Trade Republic transaction imported via CSV.
Trade Republic Taxes by Country
Crypto and securities tax rules differ by market. Below are the key rates, deadlines and filing forms for the countries where CoinTracking users invest most actively via Trade Republic.
Germany
- Crypto disposal tax: Personal income tax rate (up to 45%); gains are tax-free if held longer than 1 year (Haltefrist)
- Stocks/ETFs: 25% KeSt (Kapitalertragsteuer) — withheld by Trade Republic automatically
- Annual exemption: €1,000 Sparerpauschbetrag (saver's allowance) for capital income
- Authority: Finanzamt
- Forms: Anlage SO (crypto), Anlage KAP (capital income)
United Kingdom
- Capital Gains Tax: 18% (basic rate) or 24% (higher rate) from October 2024
- Annual exempt amount: £3,000 (2024/25 onward)
- Dividend income: Tax-free up to £500 (2024/25); dividend tax at 8.75%–33.75% above
- Cost basis: Section 104 pool (HMRC rules)
- Authority: HMRC
- Forms: Self Assessment SA100, SA108
Spain
- Savings income (IRPF): 19% up to €6,000; 21% up to €50,000; 23% up to €200,000; 27% up to €300,000; 28% above
- Foreign portfolio disclosure: Modelo 721 required if portfolio exceeds €50,000 abroad
- Authority: Agencia Tributaria (AEAT)
- Forms: Modelo 100 (IRPF), Modelo 721
Poland
- Flat rate: 19% on all crypto and securities gains (no holding period exemption)
- Loss carryforward: Up to 5 years
- Cost basis: FIFO
- Authority: Urząd Skarbowy
- Form: PIT-38
Italy
- Flat rate: 26% on gains exceeding €2,000/year (from 2023)
- Foreign holdings disclosure: Quadro RW required if portfolio exceeds €15,000
- Authority: Agenzia delle Entrate
- Forms: Quadro RT (gains), Quadro RW (foreign holdings)
Portugal
- Disposal tax: 28% on gains from crypto held less than 1 year (from 2023)
- Long-term holding: Tax-free on disposal if held 1 year or longer
- Authority: Autoridade Tributária (AT)
- Forms: Modelo 3, Anexo G or Anexo J
United States
- Short-term gains (held under 1 year): Ordinary income tax (10-37%)
- Long-term gains (held 1 year or longer): 0%, 15%, or 20% depending on income
- Cost basis: FIFO (default); specific identification permitted
- Authority: IRS
- Forms: Form 8949, Schedule D
France
- Flat 30% tax (PFU): Gains from crypto and securities disposals are subject to the prelevement forfaitaire unique (PFU) — 12.8% income tax + 17.2% social charges.
- No exemption for holding period: Unlike Germany, there is no tax-free threshold after 1 year.
- Authority: Direction generale des Finances publiques (DGFiP). Declare via Formulaire 2086.
Austria
- 27.5% capital gains tax: Since March 2022, crypto is taxed like shares — a flat 27.5% KeSt (Kapitalertragsteuer) applies to gains.
- Old coins grandfathered: Crypto acquired before 28 February 2021 is tax-free on disposal.
- Stocks/ETFs: 27.5% KeSt on capital gains and dividends.
- Authority: Finanzamt Austria. Report via Einkommensteuererklarung (E1 / E1kv).
Tax rules change frequently. This overview is for general information only and does not constitute tax advice. Consult a qualified advisor for your specific situation.
Are Trade Republic Transactions Taxable?
In most EU countries, both crypto and securities are treated as assets. Disposing of them can trigger capital gains tax, and earning income from them counts as capital income. The exact rules vary by country.
Taxable Events
- Selling crypto for fiat (EUR, GBP, etc.)
- Swapping crypto for crypto
- Selling stocks or ETFs at a gain
- Dividends and distributions received
- Interest income on uninvested cash
- Using crypto to pay for goods or services
Not Taxable
- Buying and holding crypto, stocks or ETFs
- Executing savings plan purchases
- Transferring assets between your own accounts
- Depositing fiat to Trade Republic
Tax treatment varies by country. CoinTracking applies the rules for your selected jurisdiction automatically.
How to Calculate Your Trade Republic Taxes
Calculating taxes manually across crypto, stocks, ETFs and savings plans is complex — especially when assets were purchased at different prices over multiple years through recurring savings plan executions.
The core calculation is: take what you received (proceeds), subtract what you paid (cost basis, calculated with FIFO), and the result is your taxable gain or loss. For interest and dividend income, the taxable amount is the gross payment at the time of receipt.
CoinTracking automates this across your full Trade Republic history and produces a report your accountant or local tax authority will accept.
How to Import Trade Republic into CoinTracking
Three steps to export your Trade Republic data and import it into CoinTracking.
- 1
Log into CoinTracking and open Imports
After logging in, click the Import icon in the left navigation. This is where you connect all your exchanges, brokers and blockchains.
- 2
Search for Trade Republic
Type Trade Republic in the search field and select it from the results.
- 3
Export your CSV from Trade Republic and upload it
In the Trade Republic app, go to Statements and tap Transaction Export. Choose your time range using start and end dates and download the CSV file. Then drag and drop the file into CoinTracking or click to select it and upload.
"If you're dealing with crypto taxes, CoinTracking is the tool you need. It handles imports from every major exchange and generates reports that are ready to submit."
How to Create Your Trade Republic
Tax Report with CoinTracking
Three steps from a fresh account to a tax report your accountant will accept.
Export your CSV and import it
In Trade Republic, go to Statements and tap Transaction Export. Choose your full date range and download the CSV. Upload it in CoinTracking under Imports. All crypto trades, stock transactions, savings plan executions and interest payouts are imported automatically.
Review your transactions
Open Reports and Validate Transactions. CoinTracking flags missing cost basis entries, duplicate imports and price gaps so your final report is accurate.
Generate and export your tax report
Select your country and tax year. CoinTracking generates a report formatted for your jurisdiction: PDF or Excel, ready to file or hand to your accountant.
In most EU countries, yes. Every crypto sale or swap on Trade Republic is a taxable disposal. Capital gains tax applies on the difference between your purchase price and sale price. Tax-free thresholds and holding period rules vary by country — for example, in Germany gains are tax-free after a 1-year holding period.
From 2026, EU brokers and crypto platforms including Trade Republic are required under DAC8 to report user transaction data to national tax authorities. Your trading history is increasingly visible to tax authorities.
Yes. Interest income from Trade Republic (such as cash interest on uninvested funds) is generally taxable as capital income. In Germany, Kapitalertragsteuer (KESt) at 25% applies. In other EU countries, interest income is taxed at the applicable capital income rate.
Open your Trade Republic app, go to Statements, and tap Transaction Export. Choose your time range using start and end dates and download the CSV file. Then upload the file in CoinTracking under Imports by searching for Trade Republic.
Yes. CoinTracking imports your full Trade Republic transaction history from the CSV export, including crypto trades, stock and ETF transactions, savings plan executions and interest payouts. All transactions are classified and used in the tax calculation automatically.
Yes. In most EU countries, realised losses from crypto and securities can be offset against gains in the same tax year. Rules on carrying losses forward vary by country. CoinTracking calculates and reports both gains and losses automatically.
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