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Ireland will exclude crypto from new tax-advantaged retail accounts

The 2027 accounts will also replace Ireland's 8-year deemed-disposal tax rule, with tax handled by account providers and key details due in the October 2027 Budget.

Reported · Written up by our desk · Regulation

Ireland’s government roadmap for new personal tax-advantaged investment accounts launching in 2027 will exclude cryptocurrencies, describing them as highly complex and risky. The measure would allow savers to invest through government-designed accounts that include listed stocks, bonds, and exchange-traded funds, with providers handling tax reporting to simplify compliance, according to CoinDesk.

The accounts are designed to replace Ireland’s existing 8-year deemed-disposal regime, which treats certain holdings as sold every eight years. Under the current system, unrealized gains in-scope investments are taxed at 38%, while the new accounts would apply a low flat tax annually to the average value above a threshold that has not yet been set.

CoinDesk also reports that no minimum contribution, holding period, or lock-up would apply, and investors could transfer accounts between providers without triggering a tax liability. The tax threshold, flat rate, and annual contribution limit are due to be announced in October’s Budget 2027, and the product list follows an EU-level European Commission recommendation from September 2025.

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