Cryptocurrency in Greece: the 10% tax draft and MiCA
In short. Crypto is legal in Greece. The Hellenic Capital Market Commission licenses providers under MiCA, applied through Law 5193/2025. Tax is unsettled. The tax code still has no crypto rules, and on 7 October 2026 the finance ministry published the first draft: 10% on gains, with nothing due if your annual net gain stays at or under 500 euros. The government plans a vote in November 2026, and the terms can change before then.
- PROPOSED RATE
- 10%on gains, under the October 2026 draft
- THRESHOLD
- 500 eurosnet gain a year, above it the whole gain is taxed
- STAKING AND LENDING
- 10%taxed as interest under the draft
- CRYPTO-TO-CRYPTO
- Not taxedunder the draft
- LOSSES
- 5 yearscarried forward against crypto gains only
A tax that does not exist yet
The Greek tax code says nothing specific about crypto. Officials told Reuters in June 2026 that a 15% rate was coming. The draft the finance ministry put out for consultation on 7 October 2026 came in lower, at 10%. The consultation closed on 22 October, and the ministry plans to bring the bill to parliament in November.
Until the vote, treat every figure on this page as a proposal.
How the draft would work
The 10% applies to the gain on a sale or transfer: the price you receive minus what you paid, averaged across your purchases of the same coin. If your net gain for the year comes to 500 euros or less, you owe nothing. Above that line, the 10% applies to the whole gain. A 1,000 euro gain means 100 euros of tax, not 50.
Swaps between coins create no taxable gain. Income from staking, lending and liquidity provision counts as interest and meets the same 10%. You can carry a loss above 500 euros forward for five years and set it against future crypto gains only.
The draft also opens a twelve-month window to declare gains realised before the law, without fines or interest.
Supervision
Law 5193/2025, passed in April 2025, adapted Greek law to MiCA and named the Hellenic Capital Market Commission as the licensing authority. A Greek provider must be a société anonyme with the commission's licence. Providers that had registered earlier could keep operating until 30 December 2025 if they had applied for a MiCA licence.
A provider licensed in another EU state may serve Greek clients on its passport, and Greek officials told Reuters that most local investors trade on foreign platforms.
Allowed
- Buy, hold and sell crypto
- Use a provider licensed anywhere in the EU
- Swap one coin for another without a taxable gain, under the draft
- Carry a loss forward for five years, under the draft
Restricted
- A Greek provider needs a licence from the capital market commission and must be a société anonyme
- Gains above 500 euros a year would meet 10% on the whole amount once the draft becomes law
- Staking, lending and liquidity income would meet 10% as interest
How the rules took shape
Law 5193/2025 adapts Greek law to MiCA and names the capital market commission as supervisor.
The transitional period for previously registered providers ends.
Government officials tell Reuters that a 15% tax on crypto gains is in preparation.
The finance ministry publishes a draft with a 10% rate and a 500 euro threshold.
The government plans to put the bill to a vote in parliament.
Common questions
Is crypto legal in Greece?
Yes. The Hellenic Capital Market Commission licenses providers under MiCA, and you may buy, hold and sell crypto.
Do I pay tax on crypto in Greece now?
The tax code has no dedicated crypto rules yet. A draft law proposes 10% on gains and is due in parliament in November 2026.
How does the 500 euro threshold work?
Under the draft, a net gain of 500 euros or less in a year carries no tax. Above that, the 10% applies to the whole gain.
Is staking taxed?
The draft treats staking, lending and liquidity income as interest at 10%.
Can I declare older gains without a penalty?
The draft gives you twelve months to declare gains realised before the law, without fines or interest.
Sources
Other countries
Updated 02.11.2026 · this is reference material, not investment or tax advice