BISON (Boerse Stuttgart Group) separates crypto and securities tax handling. Crypto gains are not withheld at source — you self-report using in-app reports and optional Blockpit export. Securities use automatic German Abgeltungsteuer. Data below is for users with German tax residency and reflects official BISON Help Center guidance (updated August 2026). This is not tax advice.
Disclaimer: BISON materials and this overview do not replace a Steuerberater or legal advice. Final responsibility for your Einkommensteuererklärung stays with you. Rules differ outside Germany.
Prerequisites
- Active BISON account (app or web) with completed KYC
- German tax ID (Steueridentifikationsnummer) stored for Haltefrist-Tracker and DAC8 readiness
- Access to Konto → envelope/postbox icon and Reports
- Optional: Blockpit account (BISON advertises 15% new-customer license discount)
- Optional for securities: Freistellungsauftrag under Konto → Steuer Informationen
Crypto vs securities — who files what
| Topic | Cryptocurrencies | Securities (shares / ETFs) |
|---|---|---|
| Tax withholding by BISON | No automatic deduction | Yes — Abgeltungsteuer calculated and remitted |
| Legal framing (DE private) | Private disposal § 23 EStG (FIFO); tax-free after >1 year holding | Capital income with Abgeltungsteuer + Vorabpauschale on funds/ETFs |
| Annual exemption / allowance | Freigrenze €1,000 (from 2024) on all private disposals in the calendar year — if exceeded, the full gain is taxable | Sparerpauschbetrag via Freistellungsauftrag (single person only in app) |
| Freistellungsauftrag | Not available | Yes — Konto → Steuer Informationen → Freistellungsauftrag anlegen |
| Primary year-end document | Info-Report (non-binding FIFO P&L + staking sum) | Jahressteuerbescheinigung (inbox, typically by end of April of following year) |
| Loss certificate | Not issued by BISON | On request by 15 Dec; delivered with tax certificate next year |
| Staking rewards | Other income § 22 Nr. 3 EStG; €256 Freigrenze on other income; listed in Info-Report | N/A |
| DAC8 / KStTG reporting | Provider reports to BZSt from 2026 (first filing expected 2027 for TY 2026); still no auto tax withhold | Existing capital-gains reporting continues |
Step-by-step: crypto tax pack from the BISON app
- Confirm tax ID & profile. Open Konto and verify your German Steuer-ID and residential data are complete. Incomplete IDs can block DAC8 compliance and may lead to reminders or temporary access limits.
- Use the Haltefrist-Tracker. With a German tax ID on file, the app flags which crypto lots are already past the 1-year mark vs still inside the speculation window (FIFO). External withdrawals reset the in-app tracker for those coins even if your real-world holding period continues.
-
Generate the Info-Report (tax year PDF). Path:
Konto → Reports → Info-Report. Choose the tax year. BISON delivers a PDF to your in-app postbox. Contents: transaction detail, non-binding realized gains/losses split by holding <1 year vs >1 year (FIFO), and a separate staking-rewards total. Lots with external deposits/withdrawals are greyed out and excluded from the auto P&L. -
Pull the full CSV history for tax software. Path:
Konto → Reports → Transaktionshistorie (CSV). Select the range; file lands in the postbox (and/or email). Covers buys, sells, deposits, withdrawals, staking rewards, and securities events for import into Blockpit, CoinTracking, Parqet, Getquin, etc. -
Optional: Steuer-Report mit Blockpit. Path:
Konto → Reports → Steuer-Report mit Blockpitopens Blockpit. Create integration “Bison”, upload the untouched CSV, confirm. New BISON customers get a advertised 15% Blockpit license discount. Always merge other exchanges/wallets for a complete picture. - Custody / inventory proof (Verwahrreport). Quarterly automatic postbox delivery; also request any past date from 1 Jan 2025 under Reports → Aufstellung der Krypto Positionen. Lists holdings, unit values, and period movements (buys, sells, DW, staking).
- EUR account statements. Under Reports → Kontoauszüge for the Solaris/Deutsche Bank crypto fiat account; securities fiat statements arrive via the Sutor path when equity trading is active.
- File your return. Germany self-filers: standard deadline 31 July of the following year (e.g. TY 2025 → 31 Jul 2026). Austria/Switzerland deadlines differ — see BISON’s filing-deadline article. Engage a tax advisor if you use a representative or have complex multi-platform activity.
Tax prep checklist
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Reports & documents quick reference
| Document | Asset class | How to get it | Typical timing |
|---|---|---|---|
| Info-Report | Crypto | Konto → Reports → Info-Report | On demand → postbox PDF |
| Transaktionshistorie (CSV) | Crypto + securities | Konto → Reports → Transaktionshistorie | On demand → postbox / email |
| Verwahrreport / Krypto-Positionen | Crypto custody | Auto quarterly + manual from 01.01.2025 | Quarterly + on demand |
| Steuer-Report mit Blockpit | Crypto (external tool) | Konto → Reports → Steuer-Report mit Blockpit | On demand (CSV upload) |
| EUR Kontoauszüge | Fiat (Solaris / bank partner) | Konto → Reports → Kontoauszüge | On demand / partner cadence |
| Jahressteuerbescheinigung | Securities only | Postbox → Dokumente | ~by end of April following year |
| Depotauszug | Securities | Postbox (Sutor) | After each quarter-end |
| Verlustbescheinigung | Securities only | Request by 15 Dec via form/post | With next tax certificate |
| Trade / dividend vouchers | Securities | Automatic postbox PDFs | Per trade / corporate action |
CSV field tips for tax tools
- Buy / Sell: Spot trades; savings plans (Sparpläne) appear as normal Buy rows.
- Fee column: Securities order fee in
Fee; crypto fee shows 0 because cost is inside the spread. - Staking Reward: Staking income line items.
- Deposit / Withdrawal: Fiat and crypto DW. Exception: BISON Select cashbacks and referral bonuses are currently labeled Deposit — reclassify to reward/premium in your tax tool (usually other income).
- No external wallet addresses in CSV — use in-app transaction detail if you need chain addresses.
- CorporateActionIncrease / Decrease: Dividends, tax corrections, splits/spin-offs on the securities side.
German crypto rules snapshot (context for the Info-Report)
| Rule | Detail (BISON DE guidance) |
|---|---|
| Holding period | > 1 year between acquisition and disposal → private crypto gains generally not income-taxable |
| Within 1 year | Taxable only if annual Freigrenze for all private disposals exceeded (€1,000 from 2024; was €600) |
| Cost basis method | FIFO (§ 23 Abs. 1 Nr. 2 Satz 3 EStG) — matches BISON Info-Report methodology |
| Staking | Other income; €256 Freigrenze; BMF view: staking does not extend the base-asset holding period to 10 years |
| External wallet round-trip | App tracker and Info-Report auto-P&L treat leave/return as exit + new inflow; mark as tax-neutral depot transfer in Blockpit if you only self-custodied |
Filing deadlines (from BISON help)
| Country | Tax year 2025 (file in 2026) | Tax year 2026 (file in 2027) |
|---|---|---|
| Germany | 31 July 2026 | 31 July 2027 |
| Austria | 30 Apr 2026 (paper) / 30 Jun 2026 (online) | 30 Apr 2027 (paper) / 30 Jun 2027 (online) |
| Switzerland | 31 March 2026 (standard) | 31 March 2027 (standard) |
Deadlines shift if you file via a tax advisor or use different channels. Confirm for your canton/state.
Common pitfalls
- Opening the CSV in Excel and saving rewrites separators — Blockpit/Parqet imports then fail. Upload the original file; preview in a text editor, Numbers, or Google Sheets (split text to columns) instead.
- Treating the Info-Report as a binding Steuerbescheid — BISON labels it non-binding; grey external-transfer lots need manual treatment.
- Expecting crypto Freistellungsauftrag or Jahressteuerbescheinigung — not offered; only securities get withholding paperwork.
- Forgetting Select cashback / referral rows still tagged as Deposit in CSV — re-map to taxable rewards in your tool.
- Believing an external withdrawal wiped the legal holding period — only the in-app tracker resets; document continuous ownership in a proper tax tool.
- Missing the 15 Dec securities loss-certificate deadline if you need cross-broker loss offset via Verlustbescheinigung.
- Ignoring DAC8 data duties from 2026 — keep tax IDs current even though BISON still will not auto-withhold crypto tax.
- Securities-only Freistellungsauftrag edits (reduce/delete) may require submitting the form via BISON contact support, not only the create flow.
Securities-only checklist (if you trade stocks/ETFs in BISON)
- Set or review Freistellungsauftrag: Konto → Steuer Informationen.
- Watch postbox for per-trade Abrechnungen and dividend vouchers (taxes already withheld).
- Request Verlustbescheinigung by 15 December if you need losses certified for other brokers.
- Collect Jahressteuerbescheinigung from postbox Dokumente (~Q1 / by end of April).
- Note three loss pots: equities, other (e.g. ETF price losses), and foreign withholding — BISON optimizes within the depot automatically.
Sources
- BISON Help: Steuern bei BISON – Überblick
- BISON Help: Info-Report & Verwahrreport
- BISON Help: Muss ich meine Gewinne versteuern?
- BISON Help: Haltefrist-Tracker
- BISON Help: Transaktionshistorie (CSV)
- BISON Help: Steuern und Sicherheit beim Staking
- BISON Help: Jahressteuerbescheinigung (Wertpapiere)
- BISON Help: Freistellungsauftrag
- BISON Help: Verlustverrechnung & Verlustbescheinigung
- BISON Help: Abgabefristen Steuererklärung
- BISON Help: Automatische Dokumente
- BISON Blog: Blockpit partnership / discount
- BISON Blog: Krypto-Steuern 2025