Relai Taxes: How to Import Your Bitcoin Transactions & Generate Your Tax Report
Relai is a Swiss Bitcoin savings app that lets you buy Bitcoin automatically via recurring DCA plans. CoinTracking imports your full Relai transaction history via CSV and generates a jurisdiction-specific tax report — covering all Bitcoin purchases, sales, savings-plan instalments and withdrawals.
How to Import Your Relai Transactions into CoinTracking
Watch how to export your Relai transaction history as a CSV and import it into CoinTracking to generate your complete crypto tax report.
Start Your Free Relai Import- Every Bitcoin sale, spending event, and crypto-to-crypto swap on Relai is a taxable disposal in the year it occurs. Each DCA plan instalment creates a separate acquisition. Tax compliance is your personal responsibility.
- CoinTracking supports Relai CSV import. Download your transaction history from the Relai app and upload it to CoinTracking. All purchases, sales, DCA instalments and withdrawals are supported.
- Buying Bitcoin with fiat, depositing Bitcoin to Relai, or withdrawing Bitcoin to your own wallet are generally not taxable events. Only disposals — selling, spending or trading Bitcoin — trigger a tax obligation.
- Tax compliance is your responsibility. Relai is a Swiss-regulated Bitcoin app and is not an EU-regulated CASP subject to DAC8. Your tax authority will not receive automatic reports from Relai. You are required to report all taxable disposals of Bitcoin purchased through Relai in your annual tax return.
Relai and Your Crypto Tax Obligations
Relai was founded in 2020 in Zurich, Switzerland and is regulated by FINMA as a VQF member. It operates as a Bitcoin-only savings app designed for simple, recurring Bitcoin savings via DCA (auto-invest) plans. Relai offers no trading pairs beyond BTC/fiat. It is particularly popular across the DACH region (Germany, Austria, Switzerland) and is not subject to EU DAC8 reporting obligations.
As a Swiss-regulated app, Relai does not automatically report user transaction data to EU or other national tax authorities. This means your tax authority will not receive automatic reports of your Relai activity — you are responsible for declaring all taxable events in your annual tax return.
Relai users need to account for:
- Bitcoin purchases (not taxable, but create acquisition records for future disposals)
- Bitcoin sales for fiat (taxable disposals)
- DCA plan instalments (each creates a separate acquisition at the market price on that date)
- Deposits and withdrawals (to/from other wallets and exchanges)
Crypto Tax Basics for Relai Users
Relai is used primarily in Germany, Austria and Switzerland. Here are the key tax rules that apply — including the specific treatment of DCA plan instalments.
Buying Bitcoin through Relai is not a taxable event
Buying Bitcoin with fiat currency is not itself a taxable event in most jurisdictions. However, every purchase — including each DCA plan instalment — creates an acquisition record with a cost basis set at the market price on that date. This cost basis determines your taxable gain or loss when you eventually sell.
Selling Bitcoin is taxable
Each disposal of Bitcoin — whether sold for fiat, swapped for another cryptocurrency, or spent on goods or services — is a taxable event in most jurisdictions. The taxable gain is the difference between the disposal proceeds and the cost basis of the Bitcoin disposed of, calculated using your applicable cost-basis method (e.g. FIFO in Germany).
DCA plan instalments create separate cost basis entries
Relai's recurring DCA plans automatically purchase Bitcoin at regular intervals. Each instalment is treated as a separate acquisition at the market price on that date, creating a FIFO chain across all purchases. This matters significantly in Germany where the 1-year holding period is tracked per lot: an instalment purchased 13 months ago qualifies as tax-free on disposal, while one from 11 months ago does not. CoinTracking tracks each lot individually and applies the correct rules automatically.
1-year holding period in Germany
Under § 23 EStG, Bitcoin held for more than 12 months before disposal is entirely tax-free in Germany. This holding-period exemption applies per acquisition lot — so DCA instalments that have been held over a year are tax-free when sold, while more recent instalments are taxed at your personal income tax rate. The annual €1,000 free allowance applies to net gains from private disposals within the holding period.
DAC8 non-applicability
The EU DAC8 directive requires EU-regulated crypto-asset service providers (CASPs) to automatically report transaction data to EU tax authorities from 1 January 2026. Relai is incorporated in Switzerland, which is not an EU member state, and is regulated by FINMA/VQF rather than under MiCAR. It is not subject to DAC8. EU residents using Relai must self-report all activity — it will not be reported on their behalf by Relai.
Relai Taxes by Country
Key crypto tax rules for countries where Relai is most commonly used. Select your country for specific rates and requirements.
Germany
- § 23 EStG: Bitcoin gains taxed at personal rate (up to 45%) if sold within 1 year of purchase; tax-free if held over 1 year
- Annual exemption: €1,000/year in private disposal gains
- Cost basis: FIFO per wallet — each DCA instalment is a separate acquisition
- DCA plans: Each instalment date and price must be recorded; CoinTracking does this automatically from your CSV
- Forms: Anlage SO
Austria
- 27.5% KeSt: Flat rate on Bitcoin disposals (assets acquired after 28 Feb 2021)
- DCA plans: Each recurring instalment is a separate acquisition; 27.5% KeSt applies on disposal gains
- Authority: Finanzamt Austria
Switzerland
- No capital gains tax for private investors on Bitcoin disposals in most cantons
- Wealth tax: Bitcoin holdings are subject to cantonal wealth tax (Vermögenssteuer) at year-end value
- Professional traders: Frequent or high-volume traders may be classified as professional and taxed on gains as income
- Authority: Cantonal tax authorities / ESTV
United Kingdom
- Capital Gains Tax: 18% (basic) / 24% (higher) from October 2024
- Annual exempt amount: £3,000 (2024/25)
- Cost basis: Section 104 pooling (HMRC)
- Authority: HMRC
United States
- Short-term gains: Ordinary income rates (up to 37%) for Bitcoin held ≤1 year
- Long-term gains: 0%, 15% or 20% for Bitcoin held >1 year
- Cost basis: FIFO or specific identification
- Authority: IRS
France
- Flat tax (PFU): 30% on crypto capital gains (12.8% income tax + 17.2% social charges)
- Annual exemption: Gains below €305/year are tax-free
- Authority: Direction générale des Finances publiques (DGFiP)
Netherlands
- Box 3 wealth tax: Bitcoin declared as assets; effective rate ~1.2–2% of year-end value
- No realised capital gains tax for private investors
- Authority: Belastingdienst
Tax rules change frequently. This overview is for general information only. Consult a qualified advisor for your specific situation.
Are Relai Transactions Taxable?
In most jurisdictions, selling or spending Bitcoin from Relai is a taxable event. Use this as a starting reference — exact rules vary by country.
Taxable Events
- Selling Bitcoin for fiat
- Spending Bitcoin on goods or services
- Trading Bitcoin for another crypto
Not Taxable
- Buying Bitcoin with fiat via Relai
- DCA plan purchases (only taxable when later sold)
- Depositing/withdrawing Bitcoin to/from your own wallet
- Holding Bitcoin in Relai
Tax treatment varies by country. Always verify with a qualified advisor for your specific situation.
How to Calculate Your Relai Taxes
Relai users who run DCA plans accumulate many small Bitcoin acquisitions over time, each with a different cost basis. Manually tracking each instalment date, price and quantity — and then applying FIFO correctly when you sell — is time-consuming and error-prone. Missing even a single instalment can lead to incorrect gain calculations, and misapplying the 1-year holding period means overpaying tax or underreporting income.
CoinTracking imports your full Relai transaction history from your CSV export, assigns the correct acquisition date and market price to every DCA instalment, and applies your chosen cost-basis method (FIFO, LIFO, HIFO). It then generates a jurisdiction-specific tax report — ready for your accountant or tax authority in Germany, Austria, Switzerland and beyond.
How to Import Relai into CoinTracking
Three steps to import your Relai data and generate your tax report via CSV.
- 1
Log into CoinTracking and open Imports
After logging in, click the Import icon in the left navigation. This is where you add all your exchanges, wallets and blockchains. Search for Relai to start.
- 2
Download your Relai CSV and upload it
Open the Relai app → Profile → Transaction History → Export CSV. In CoinTracking, search for Relai in the import search and upload the CSV. All purchases, sales, DCA plan instalments and withdrawals will be imported.
- 3
Review transactions and generate your tax report
Once your Relai data is imported, validate the transactions and generate a tax report for your jurisdiction. CoinTracking calculates capital gains, income and losses and formats the output for your country — ready for your accountant or tax return.
"CoinTracking can handle just about any complex transaction you can throw at it and the automation is a real lifesaver. Of all the tax software tools we've reviewed, CoinTracking is the most detail-oriented and has more accuracy checks in place than the competition."
How to Create Your Relai
Tax Report with CoinTracking
Three steps from Relai CSV to a tax report your accountant will accept.
Import your Relai transactions
Download your CSV from the Relai app and upload it to CoinTracking. All purchases, sales, DCA plan instalments, deposits and withdrawals are imported.
Review and validate your transactions
Open Reports → Validate Transactions. CoinTracking flags missing cost basis, missing prices and unresolved transfers so you can correct them before generating your report.
Generate your Relai tax report
Select your country and tax year. CoinTracking generates a jurisdiction-specific tax report in PDF or Excel format, covering all Relai gains and losses — ready to file or hand to your accountant.
No — Relai provides a CSV transaction export. CoinTracking imports it and generates your full tax report including FIFO cost-basis tracking across all DCA instalments.
Open the Relai app → Profile → Transaction History → Export CSV. Upload this file to CoinTracking using the import search.
Yes — each recurring purchase creates a separate acquisition entry at that day's market price. This matters for FIFO — the first purchased coins are treated as first sold, which affects your holding-period exemption tracking. CoinTracking handles all this automatically.
Relai is Swiss-regulated (FINMA/VQF) and not an EU-regulated CASP subject to DAC8. No automatic transaction reports will be sent to EU tax authorities. Your obligations remain fully in force.
Yes — Bitcoin held for more than 12 months before sale is tax-free under § 23 EStG. Because DCA purchases create many separate lots with different acquisition dates, CoinTracking tracks each lot individually and correctly applies the holding-period exemption to eligible lots.
Relai supports CSV export only — there is no API integration. Download your CSV from the Relai app and upload it to CoinTracking.
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