Bitcoin
Germany Excludes Crypto from Subsidized Pensions as Tax Reforms Loom for 2027
Certified German pension schemes remain closed to Bitcoin, while a proposed draft bill could end tax-free holding periods for crypto assets by 2027.
German pension certification rules strictly bar Bitcoin and digital assets from state-subsidized retirement products, including Riester, Rürup, and the Altersvorsorgedepot scheduled to debut on January 1, 2027. The Retirement Contracts Certification Act requires minimum diversification standards, fee caps, and predictable benefits that exclude volatile digital assets from approved vehicles.
Investors seeking exposure to digital assets must rely entirely on private holdings outside certified schemes. Historically, long-term German holders enjoyed tax-exempt status on crypto gains realized after a one-year holding duration.
That tax treatment may change under a draft bill proposed by the German Federal Ministry of Finance. The proposal introduces a flat 25 percent tax on all cryptocurrency capital gains beginning in 2027, grandfathering tax-exempt status solely for digital assets acquired prior to December 31, 2026.
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