Crypto.com Tax UK: Export Your CSV and Report to HMRC (2025/26)

Crypto.com is one of the easiest starting points for UK crypto investors, but like all exchanges, it does not calculate your HMRC tax liability for you. The export you get from Crypto.com shows your transaction history on that platform only — it can't see crypto you bought elsewhere, held before you joined, or moved to another wallet. HMRC requires you to pool all your holdings of each token across every platform using the Section 104 rules, so any tax figure Crypto.com or any single exchange shows is almost never the complete picture.

The reliable approach is to export your complete transaction history as CSV from Crypto.com (both the App and the Exchange if you used both) and run it through a calculator that applies UK pooling across all your files. This guide covers the current export paths from Crypto.com's official help pages, what the export contains, the most common watch-outs (Crypto Earn rewards are income, not gifts; card cashback is also taxable), and how to turn your file into a finished HMRC figure. Everything here is UK-only and stamped for the 2025/26 tax year.

How is Crypto.com taxed in the UK?

For a UK individual investor, HMRC splits Crypto.com activity into two buckets. Capital Gains Tax (CGT) applies when you *dispose* of crypto — selling for GBP, swapping one coin for another (even though no pounds change hands, a crypto-to-crypto swap is a disposal in HMRC's eyes), spending it, or gifting it to anyone other than your spouse or civil partner. Income Tax applies to crypto you *earn* — most notably Crypto Earn staking rewards, card cashback, and referral bonuses.

Simply buying and holding, or moving coins between your own Crypto.com account and your own wallet, is not a disposal and triggers no tax. For the full picture of when a tax point is created, see Do I pay tax on crypto if I haven't sold?

On the CGT side for 2025/26: you have a £3,000 tax-free annual exempt amount, and gains above it are taxed at 18% to the extent they fall within your unused basic-rate band and 24% above it. The cost you subtract isn't the specific coins you bought — it's the average (pooled) cost under HMRC's matching rules. See Crypto tax rates UK 2025/26 and the Section 104 pool explained.

Common Crypto.com activity and its UK tax treatment (2025/26)General position for an individual investor. Some reward types and card usage patterns are fact-dependent — flag anything unusual.

Crypto.com activity	Tax treatment
Buy crypto with GBP	Not taxable — sets your cost basis
Sell crypto for GBP	CGT disposal
Convert/swap one coin for another	CGT disposal of the coin sold
Spend crypto on goods/services	CGT disposal
Crypto Earn staking rewards received	Income Tax at GBP value on receipt date; that value becomes the CGT cost basis for later disposal
Card cashback rewards (e.g., CRO)	Likely income tax (miscellaneous income) at receipt date; check with Crypto.com whether it is promotional or earned
Referral bonuses	Income Tax (miscellaneous income) at receipt date
Send to your own external wallet	Not a disposal (own-to-own transfer)
Transfer between Crypto.com App and Exchange	Not a disposal (own-to-own transfer)
Gift to spouse / civil partner	No gain, no loss (special rule)
Gift to anyone else	CGT disposal at market value

How do I export my Crypto.com transaction history?

Crypto.com has two separate platforms — the Crypto.com App (most users) and the Crypto.com Exchange (if you traded on the exchange platform). If you used both, you must export from both, because they have separate histories. The App export is usually the complete record for casual investors; the Exchange export includes only exchange-traded activity. The Crypto.com Visa Card (if you have one) also has its own separate transaction history export.

Each export is available in CSV format, which you can drop straight into the CryptoCGT calculator — no manual mapping needed.

Open the Crypto.com App on your mobile device (iOS or Android).
Navigate to your Accounts page and tap the History icon in the top right.
Tap the Export button (top right corner).
Choose which wallet you want to export: Token Wallet (your main crypto holdings), Cash Wallet (fiat balance), or Crypto.com Card (card transactions). If you have crypto holdings and rewards, export from Token Wallet.
Set your date range. You can export up to one year at a time; if you've been on Crypto.com longer, export year by year and import all files together into the calculator.
Tap Export to CSV.
The file will download to your device (Android: File Manager → Downloads; iOS: Files app → Downloads).
If you also used Crypto.com Exchange: Visit the Exchange website, go to the Reports section, select Trade History or Deposit/Withdrawal History, set your date range (up to 6 months per export), click Search, then click Export. Download will be available within 2 days.
If you used Crypto.com Card: From the Card tab, select More → Settings, then Export Transaction History, choose Crypto.com Card, set your date range, and export to CSV.
Drop all CSV files into the CryptoCGT calculator — it detects Crypto.com format automatically and handles multiple files across platforms.

Watch out

Crypto.com App and Exchange are separate products — export both if you used both

Your main Crypto.com App transaction file does not automatically include activity on Crypto.com Exchange (the pro trading platform). If you traded on the Exchange, its history is separate and must be exported on its own. Likewise, the Crypto.com Visa Card has its own transaction export, distinct from your App and Exchange histories. If you used any combination of these, export each one and import all of them together — leaving trades out can understate your proceeds or wipe out a cost basis, both of which produce a wrong CGT figure.

Watch out

Check for transfers in from other wallets — they need a cost basis

Any crypto that arrived at Crypto.com by transfer from another wallet or exchange has no acquisition record on Crypto.com. When you later sell it, Crypto.com can't see what you originally paid, so it may look like 100% profit. Make sure you export the original acquisition of every coin from whichever platform you first bought it on, so the calculator can assign the correct cost basis. If you bought it long ago or on-chain (e.g., via DeFi), you must manually record the purchase price, date, and quantity.

What does the Crypto.com CSV contain?

When you export your Crypto.com history as CSV, you get one row per transaction. Each row has the following columns (not all are visible in every export type, but these are the key ones you'll see):

Crypto.com CSV export columns and their meaningStandard columns in the exported CSV file from Crypto.com App and Exchange.

Column	What it means
Timestamp (UTC)	Date and time of the transaction in UTC (e.g., 2025-06-15 14:23:45)
Transaction Description	Human-readable label (e.g., 'BTC → ETH', 'Crypto Earn Interest Paid', 'Card Cashback'). This is for your reference only; it is not parsed by tax software.
Currency	The asset that left your account (e.g., BTC, ETH, GBP, EUR). If positive, you received it; if negative, you sent it.
Amount	The quantity of the currency (can be positive or negative depending on direction)
To Currency	In a swap or trade, the coin you received (e.g., ETH if you swapped BTC for ETH)
To Amount	The quantity of the coin you received in a swap or trade
Native Currency	Your account's base fiat currency (often EUR, USD, or GBP). This is used to calculate the GBP tax value.
Native Amount	The fiat equivalent of the transaction at the time it occurred (in your Native Currency)
Transaction Kind	Machine-readable event type (e.g., 'crypto_exchange', 'crypto_purchase', 'mco_stake_reward', 'card_cashback'). This is what the tax engine uses to classify whether it is a disposal, income, or transfer.

Crypto Earn, card cashback, and referral rewards — what's taxable?

Crypto.com offers several ways to earn additional crypto. All of them are taxable income, but at different points:

Crypto Earn staking rewards (your crypto locked in an Earn program earns interest). These are taxed as income at their GBP value on the day you receive them. That value becomes your cost basis; if you later sell those same coins, only the gain above that is a capital gain (not taxed twice).
Card cashback (rewards earned when you spend on the Crypto.com Visa Card, typically paid in CRO or other crypto). This is also income tax at the GBP value on receipt. Check Crypto.com's terms to confirm the specific nature (it should be in the 'Card Cashback' or 'Referral Card Cashback' transaction kind).
Referral bonuses (bonuses for inviting friends or completing tasks). These are income tax at receipt date.
Supercharger deposits and rewards (Crypto.com's auto-compounding reward programs). Deposits of principal are own-account transfers (no tax); reward payments are income tax at receipt.

Worked example

Crypto Earn rewards: Income now, CGT later

You lock £1,000 worth of ETH in Crypto Earn. Over 6 months you receive staking rewards totalling £200 in ETH (valued at receipt dates). Then you withdraw all the ETH (principal + rewards) and sell 3 months later for £1,300 total.

Step 1 — Receive rewards£200 as miscellaneous income (taxed at receipt)

Step 2 — Later, total sale proceeds£1,300

Cost basis: original £1,000 + reward cost basis £200−£1,200

Capital gain on disposal£100

The £200 is taxed once as income at receipt; only the further £100 of growth is a capital gain. Because the income value becomes the cost basis, you are not taxed twice on the same £200. See staking & airdrops tax.

How do I report Crypto.com gains to HMRC?

You report through Self Assessment. For 2025/26 you must register and file if your total CGT gains exceed £3,000, or if your total disposal proceeds exceed £50,000 even when the gain is small, or if you have crypto income to declare (staking, cashback, referrals). Capital gains go on the SA108 Capital Gains Summary, in the cryptoassets boxes 13.1 to 13.8; staking and other crypto income go in the income sections of your return.

The 2025/26 return is filed online by 31 January 2027. For a box-by-box walkthrough see SA108 crypto boxes 13.1–13.8 and the overview at how to report crypto on Self Assessment. If you made losses, registering them protects future years — see crypto losses.

Important: Crypto.com already shares UK customer data with HMRC. From 1 January 2026, under the international Cryptoasset Reporting Framework (CARF), Crypto.com collects customer data and will report to HMRC in 2027. Filing accurately is the only safe approach.

Native Currency is not always GBP — how does FX work?

An important detail: if your Crypto.com account is set to a currency other than GBP (for example, EUR or USD), the 'Native Amount' in your CSV will be in that currency. The tax engine automatically converts this to GBP at the exchange rate on the transaction date, so the CGT calculation uses your true GBP consideration, not a re-priced crypto value. You don't need to manually convert — the calculator handles it — but you do need to check that your account Native Currency is set correctly in Crypto.com (it determines what 'consideration' means for tax).

Turn your Crypto.com CSV into a finished figure

Once you have your Crypto.com CSV exports (plus any from other exchanges or wallets), drop them into the free CryptoCGT calculator. It applies HMRC's same-day, 30-day and Section 104 pooling rules across all your files, separates income from capital gains, and produces the exact figures for SA108 — with a clear flag wherever a cost basis is missing rather than a silently wrong number. Our methodology shows exactly how each figure is derived.

Sources

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This guide is information, not tax advice.Figures and thresholds are for the tax year shown (England, Wales & Northern Ireland; Scottish income tax bands differ). Rates and rules can change, and your own position may differ — check your circumstances and speak to an accountant before you file. CryptoCGT is an information tool, not a regulated tax adviser.