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Decoupling staking: analyzing the UK’s definitive exclusion of crypto staking from Collective Investment Scheme (CIS) rules

The 2027 stablecoin mandate: regulatory clean-up or capital gains trap?

UK crypto regulation in 2026: offshore exchanges must obtain FCA authorization or exit

The end of the “lost keys” defence: why 2026 is the year of digital accountability

A historic shift: UK law officially recognizes Bitcoin and NFTs as personal property

What you need to know for 2025/26

Crypto activity | Typical UK tax treatment | Usual reporting route |
| --- | --- | --- |
| Sell crypto for pounds | A disposal producing a capital gain or allowable loss. | SA108 Cryptoassets section. |
| Swap one token for another | A disposal of the token given up, even when no pounds reach your bank account. | SA108 Cryptoassets section. |
| Spend/give crypto to someone other than your spouse/civil partner | Normally a disposal at market value. | SA108 Cryptoassets section. |
| Receive staking, mining or similar rewards outside a trade | May create miscellaneous income when received; a later disposal can create a separate capital gain or loss. | Usually SA100 for the income and SA108 for the later disposal. |
| Receive tokens through employment | Employment income, with a separate capital calculation if the tokens are later disposed of. | Employment pages and, on disposal, SA108. |
| Carry on a crypto trade | Trading profits fall under Income Tax rather than the ordinary investor CGT treatment. | Self-employment pages. |
| Move crypto between wallets you beneficially own | Normally not a disposal, although fees paid in crypto may need separate treatment. | Not reported as a transfer; retain the evidence linking both sides. |

Where common crypto activity is usually reported

A platform label does not settle the tax treatment

A £3,000 exemption is not a £3,000 proceeds threshold

Turn your crypto history into Self Assessment figures

SA108 field | What HMRC asks for | What to use |
| --- | --- | --- |
| 13.1 | Number of disposals. | Total crypto disposals in your Finbooks SA Summary. |
| 13.2 | Disposal proceeds. | Total sterling proceeds from reportable crypto disposals. |
| 13.3 | Allowable costs, including acquisition cost. | Total allowable costs calculated under HMRC’s matching and pooling rules. |
| 13.4 | Gains in the year before losses. | Aggregate gains before deducting current-year or brought-forward losses. |
| 13.5 | Losses in the year. | Aggregate allowable crypto losses arising during 2025/26. |
| 13.6 | Claim or election code. | Complete only where you are making a relevant claim or election. |
| 13.7 | Gains or losses already reported through the Real Time Transaction service. | Complete only if you used that service for the same disposals. |
| 13.8 | Tax already paid on the amount in 13.7. | Complete only where tax was paid through that earlier report.

How the 2025/26 SA108 Cryptoassets fields map to your calculation

Your final 2025/26 crypto filing check

This section applies to 2024/25, not the current 2025/26 filing

Crypto Self Assessment questions

7 days free trial

What crypto activity goes on SA100 and SA108?

How to report crypto on your 2025/26 UK Self Assessment

HMRC’s new update of DeFi tax rules: what it means for you

What “no KYC” means in practice

Less data shared with one platform does not mean anonymity

Route | What may feel more private | Practical limitation |
| :--- | :--- | :--- |
| Peer-to-peer marketplace | You buy from another user rather than directly from a centralised exchange. | The marketplace, counterparty and payment provider can still hold records; disputes and source-of-funds checks remain possible. |
| Gift or prepaid card | The crypto merchant receives a less conventional payment method. | Cards may require activation checks, while pricing, limits and fraud risk are usually worse. |
| Decentralised exchange | You can trade from an existing wallet without opening a conventional platform account. | A DEX does not normally convert a credit-card payment directly into crypto; you still need an initial funding route. |
| Crypto ATM | Online guides may still describe cash purchases as anonymous. | No FCA-registered firm is approved to provide crypto ATM services in the UK, so any machine operating here is illegal. |

What the main “no KYC” routes actually involve

UK crypto ATMs are not a lawful no-KYC option

Bought crypto outside a conventional exchange?

What should you record when buying crypto by card?

Buying crypto without KYC FAQ

The UK regulatory reality: why KYC is hard to avoid

Are there any KYC-free methods still working?

Fiscal impact: where the real consequences appear

Buying crypto with a credit card without KYC in the UK

UK crypto tax rules explained: the hidden cost of staking and yield farming

Crypto trading in the UK: how HMRC sees your moves

Try it for free

CryptoBooks becomes Finbooks: why we changed our name

CARF and crypto in the UK: what changes from 2026

UK crypto tax guide 2026: HMRC rules, CGT, Income Tax and Self Assessment

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