Crypto tax help for London
London is the centre of UK crypto and fintech, from the DeFi founders around Shoreditch and Old Street to the trading desks in the City and Canary Wharf. It is also where UK crypto wealth is most concentrated, and where HMRC attention follows. We are a London firm, and London cases are the ones we see most. Every engagement runs over video calls and secure file sharing, so where you sit in the city makes no difference to the work.
London incomes change the crypto maths. Once your total income passes £100,000 your personal allowance starts to taper away, and above £125,140 staking and other crypto income is taxed at 45%. Gains above the £3,000 annual exempt amount are taxed at 24% for most London filers. A portfolio that would be a footnote elsewhere in the country is often a five-figure tax question here, which is exactly why the reconciliation behind the numbers has to be right. Our guide to UK crypto gains tax walks through the current rates and bands.
We work with London clients remotely, which for crypto is a strength, not a compromise. The whole engagement runs on secure file sharing and video calls, so you are not couriering paperwork across the city. You get a named specialist, not a call centre, and the same person handles your reconciliation and your filing from start to finish.
What we do for London clients
Reconciliation
We rebuild your full history across 40+ exchanges, wallets and DeFi protocols, matching transfers and fixing cost basis.
Self Assessment filing
HMRC SA100 with the SA108 capital gains pages, staking and airdrop income split out correctly.
Disclosure & enquiries
HMRC nudge letters, voluntary disclosure and enquiry support for London clients with unreported years.
New to how HMRC taxes crypto? Start with the UK crypto tax guide, or see our crypto tax accountants page.
The London cases we see most
Three situations come up in London more than anywhere else in the UK. Each one has a trap in it.
City professionals
Bankers, lawyers and consultants with RSUs, bonuses and a crypto portfolio on the side. High incomes push staking rewards into the 40% and 45% bands and taper the personal allowance, so the income side of crypto costs more than most people budget for. If your employer runs a personal account dealing policy, crypto may sit inside it too. We get the tax side clean so there is nothing to explain later.
New arrivals to the UK
Since April 2025, people newly arrived in the UK can claim relief on foreign income and gains for their first four years. Many London internationals assume their crypto qualifies. On HMRC’s published view (CRYPTO22600), tokens are located where their owner is resident, which means crypto held by a UK resident is usually a UK asset, not a foreign one. Relying on that relief for crypto without advice is a mistake we would rather you did not make. If you are leaving the UK instead, read our guide to moving abroad with crypto.
Founders & web3 teams
London’s startup corridor is full of founders holding vesting token allocations. Tokens are generally taxed as income when they vest, before you can sell them, and the bill can land in a year when the price has already fallen. Our guide to founder token vesting tax covers the mechanics. We handle founder cases end to end, from vesting schedules to the eventual disposals.
London crypto tax questions we hear every week
Do I need a crypto tax accountant based in London?
You need a specialist more than you need a postcode. Crypto tax is a data problem before it is a filing problem, and the work happens on-screen wherever you are. That said, we are London-based, we know the profile of London cases, and every engagement runs over video calls and secure file sharing.
How much does a crypto tax accountant in London cost?
Most engagements fall between £400 and £1,200 plus VAT depending on the volume and mess of the history. You get a fixed quote after a free 30-minute review, and you pay nothing until you accept it.
I have received an HMRC nudge letter at my London address. What now?
Do not ignore it and do not fire off a reply before you know your numbers. A nudge letter is a prompt, not an accusation, but it does affect the penalty position if tax is owed. Read our nudge letter guide, then get the history reconciled before responding.
I just moved to London from abroad. Is my crypto covered by the four-year foreign income relief?
Often not. HMRC’s stated position is that exchange tokens are located where their beneficial owner is resident, so once you are UK resident your crypto is generally treated as a UK asset and gains on it are not foreign gains. The rules are new and fact-specific, so take advice before you rely on the relief for crypto.
When is my next crypto tax deadline?
For the 2025/26 tax year, which ended on 5 April 2026, the online return and payment are due by 31 January 2027, and first-time filers must register for Self Assessment by 5 October 2026. Our deadlines guide has the full calendar.