Germany: XRP Gains Only Taxable When Exceeding €1,000

XRP's recent price surge has investors wondering about their tax obligations in Germany. If you sell your XRP now, your net gain is determined by the purchase date and only then by the current price. In Germany, if you bought more than a year ago, the entire gain stays tax-free.

However, with XRP's price rising by 53.1% in just seven days, many investors are likely to be sitting on paper gains. But these gains will only be taxable when they exceed €1,000 together with other private disposal gains for the year. This means that anyone who bought at 0.86 euros on August 17, 2026 is up a good 50% but won't see their gain taxed until next year.

The exemption limit of €1,000 per person and calendar year was raised by the Growth Opportunities Act, and it's essential to note that this applies to all private disposal transactions for the year, not just XRP. If you also sell physical gold within the one-year period, that gain counts towards the threshold.