Crypto Tax, Sorted by Your UK Cryptocurrency Accountant

Worried about what you owe HMRC on your crypto? We work it out, file it and sort it, for a fixed fee from a named, ACCA-qualified accountant.

Looking for a crypto accountant in the UK who understands crypto tax? You are not the only one, and the rules have only got tighter. We are UK crypto accountants for crypto investors, active traders, miners, stakers and crypto businesses. We work out your Capital Gains Tax and Income Tax on Bitcoin, Ethereum, Solana, NFTs and DeFi, sort out whether you count as investing or trading, then file it correctly with HMRC. Your first £3,000 of gains each year is tax-free; above that, CGT is 18% or 24%. We apply HMRC's share-pooling rules and sensible tax planning so you claim every allowance and relief you are entitled to, and we get you ready for the new Cryptoasset Reporting Framework. Every return is handled by a named, ACCA-qualified accountant on fixed pricing.

Speak to a crypto tax accountant

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  • ACCA-qualified
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Our expertise covers

What Your Crypto Tax Accountant Covers

  • 01

    Capital Gains Tax on disposals

    Sold, swapped, spent or gifted crypto? Each one is a disposal for CGT, even a coin-to-coin swap where no cash leaves your account. We work out the gain using HMRC's Section 104 pooling and the same-day and 30-day rules, set off any allowable losses, apply your £3,000 tax-free allowance, and tax the rest at 18% or 24% for 2026/27.

  • 02

    Income Tax on mining, staking and airdrops

    Earned crypto from mining, staking (including running a validator), lending, airdrops or a hard fork? That counts as income, taxed on its pound value the day it lands, after any £1,000 trading allowance. We report it correctly and set that value as your base cost, so you are not taxed twice when you later sell.

  • 03

    DeFi, NFTs and complex transactions

    Deposited into a liquidity pool and didn't sell anything? HMRC may still treat that as a disposal. Yield farming, LP tokens, wrapped tokens, lending and NFT mints across protocols like Uniswap, Aave and Lido all raise tricky income-versus-capital questions. We apply HMRC's DeFi and cryptoassets guidance to each one, so your treatment holds up.

  • 04

    Self Assessment and crypto reporting

    There has been a dedicated crypto box on the Self Assessment return since 2024/25, and completing it is now mandatory. We fill it in along with your capital gains pages, file before the 31 January deadline, and tell you exactly what is due and when.

  • 05

    Voluntary disclosures and back-tax

    Got gains from past years you never declared? Sort it before HMRC comes to you. We prepare a clean disclosure through HMRC's cryptoasset facility, work out the tax, interest and any penalty, and present a fully reconciled position to keep your exposure down.

  • 06

    CARF readiness and record-keeping

    From 1 January 2026, UK exchanges must collect your data under the Cryptoasset Reporting Framework, with the first reports to HMRC due by 31 May 2027. We reconcile your wallet and exchange history now, so your declared figures match what HMRC will already have.

  • 07

    Crypto businesses and Web3 startups

    Running a crypto business, fund or Web3 startup? We handle Corporation Tax on company profits, VAT where it applies, payroll and everyday bookkeeping, so founders and limited companies get one clean set of figures. We keep your records ready for Making Tax Digital and line up your accounting with how HMRC taxes digital assets.

Why it pays off

Why Choose Zmartly as Your Crypto Tax Advisors

  • A named, ACCA-qualified accountant

    You get one named crypto accountant, ACCA-qualified, who knows your portfolio, not a call centre. Crypto tax takes real judgement, so you deal with the same person every year and always know who to ask.

  • Fixed pricing from £99

    Fixed fees of £99, £199 or £499, depending on how many transactions you have, agreed before we start. No hourly clock and no surprise bill, even if you have thousands of trades.

  • Replies within 72 hours

    Crypto moves fast and deadlines do not wait. We reply to every query within 72 hours, so you can make disposal and reporting decisions with confidence.

  • Works with your existing tools

    Already using Koinly, Recap or CoinTracking, or running a business on Xero, QuickBooks, FreeAgent or Sage? We reconcile every exchange and wallet you use, from Coinbase, Binance and Kraken to a Ledger or MetaMask cold wallet, check what the tools get wrong, and give you one joined-up tax picture.

  • 30-day money-back guarantee

    If you are not happy with our crypto tax work in the first 30 days, we refund you. Rolling monthly terms mean you are never locked into a long contract.

How Crypto Tax Fits the Rest of Your Return

Crypto rarely sits on its own. Good crypto accountants look at the whole picture, because the same disposals that trigger Capital Gains Tax often arrive alongside dividends, rental income or a limited company, so your crypto tax services line up with the rest of your return.

As your crypto accountant and cryptocurrency tax specialist, we join the dots. We file your Self Assessment, advise on wider tax planning, and step in if HMRC ever opens an enquiry. The links below show how it fits together.

UK crypto tax accountants for investors and traders

Whether you hold long term or trade daily, we match the right treatment to each activity, from staking income to capital gains, so nothing is missed and nothing is taxed twice.

Crypto tax advisors for businesses and Web3 teams

Running a fund, exchange or Web3 startup? We handle company accounts, payroll and Corporation Tax so your books and your token activity stay in step.

See also: Capital Gains Tax servicesSelf Assessment tax returnstax advisorytax investigation support

How we deliver

Four steps from first call to filed.

  • 01

    Discovery

    Understanding your business needs.

  • 02

    Solution Design

    Crafting your custom accounting strategy.

  • 03

    Onboarding

    Quick and easy integration.

  • 04

    Regular Rhythm

    Consistent monitoring and reporting.

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Common questions

Frequently asked questions.

It depends on what you did. Buying, selling and swapping tokens falls under Capital Gains Tax, and every disposal counts, including a crypto-to-crypto swap with no cash out. Staking rewards, mining, airdrops and DeFi yield are usually Income Tax when you receive them, then CGT when you later sell. Only people trading at the scale of a business are taxed as a trade, and very few individuals actually meet that bar. We work out the right split for you.

You cannot just use the price you paid on day one. HMRC pools all your holdings of the same coin into a single Section 104 pool with a running average cost, with same-day and 30-day (bed-and-breakfast) matching rules on top. Spreadsheets fall apart once you have several exchanges and on-chain wallets. We reconcile your history through Koinly or Recap, then check the output for the DeFi misclassifications those tools routinely get wrong.

Deposited tokens into a pool and didn't sell anything? HMRC's view is that putting tokens into many DeFi protocols is still a disposal at market value, because beneficial ownership changes hands. The rewards on top are income. That can leave you with a tax bill and no cash to pay it, which catches people out. We map every protocol you have used against current HMRC guidance and get the disposals right, rather than ignoring them and hoping.

Often, yes. You can make a negligible value claim under TCGA 1992 s.24, which treats the token as sold for nothing and banks the loss. You will need evidence it is genuinely worthless, not just hard to sell. Lost private keys can also count as a disposal if the coins are truly unrecoverable. The loss then reduces other gains in the same year, or carries forward with no time limit.

Come forward before HMRC comes to you. An unprompted disclosure through HMRC's Cryptoasset Disclosure Facility carries a penalty of 0% to 20% of the tax, against up to 100% if they find it first. With exchanges set to report UK users to HMRC under CARF from 2026, the window is closing fast. We prepare the historic computation and the disclosure end to end, so you can put it behind you.

A good crypto accountant should be upfront about price. Our crypto tax work is a fixed £99, £199 or £499, depending on how many transactions, exchanges and wallets are involved and how complex your activity is. You know the price before we start, with no hourly clock and no surprise bill. Book a free Tax Health Check and we will give you a clear number.

Tools like Koinly and Recap are good at importing your history and estimating gains, but they do not interpret HMRC's rules or stand behind the figure. DeFi, staking, airdrops and coin-to-coin swaps all need judgement, and that is where the costly mistakes happen. As your crypto accountant, we work alongside your tool, fix what it got wrong, and make sure the return is right. You keep control of your data and we take responsibility for the numbers.

Yes, and this is the one that catches people out. Swapping one coin for another is a disposal for Capital Gains Tax, even though no pounds ever reach your bank, and cashing out to fiat is a disposal as well. The gain is the value of what you received, less the pooled cost of what you gave up. Thousands of small swaps can add up to a real bill, which is exactly what we untangle.

For every transaction: the date, the type of activity, the assets involved, and their value in pounds at the time. Keep your wallet addresses, exchange statements and any fees. If your records are patchy, do not worry, we can rebuild your history from your on-chain activity and exchange data. Good records now also keep you ready for CARF reporting.

Yes. HMRC treats crypto as part of your estate, so its value can count towards Inheritance Tax like any other asset. The catch is access: if your family cannot reach your wallets or cold storage, the crypto can be lost even though the tax is still due. We help high-net-worth holders value their digital assets and plan ahead, so your estate stays both compliant and recoverable.

Zmartly Ltd20-22 Wenlock Road, London N1 7GU020 8175 5145info@zmartly.co.uk
Free · 30 minutes · No obligation

Stop overpaying tax. Start filing in 5 days.

Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.

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