Bitvavo CAP report 2026: step-by-step guide

Last updated: 16 May 2026 · Reading time: 5 minutes

"Do you have a Bitvavo account? Then you must report this to the Belgian government, even though Bitvavo is a Dutch platform that you use in Dutch."

Many Belgian crypto investors are unaware that their Bitvavo account must be reported to the Central Point of Contact (CAP) of the National Bank of Belgium. In this guide we explain step by step how to do this correctly, what details you need, and how to export your transaction history. In the May 2026 update we also explain why the capital gains tax law (approved on 3 April 2026) settles the discussion once and for all.

📜 May 2026 update: the law removes any doubt

The law on the capital gains tax on financial assets was approved by the Chamber of Representatives on 3 April 2026. The explanatory memorandum to that law now expressly confirms that crypto accounts at foreign platforms such as Bitvavo must be reported via the CAP. The reporting obligation under DAC8 (effective data transfer from September 2027) is the mirror image of this: the tax authorities want to be able to match the two data streams against each other.

Until 2025 there was a grey area. The Minister of Finance stated in 2022 that crypto platforms without a banking licence did not fall under the CAP obligation, an interpretation that is still cited as valid by some sources. That interpretation has been superseded since April 2026. Anyone who has not yet reported their Bitvavo account today is well advised to complete this step before 30 June.

🎯 The short version (TL;DR)

• Yes, your Bitvavo account must be reported to the CAP (definitively confirmed by the capital gains tax law of April 2026).
• Yes, it must also go in your tax return (Vak XIII).
• Entity: Bitvavo B.V.
• Address: Keizersgracht 281, 1016 ED Amsterdam, the Netherlands
• CAP portal: cappcc.nbb.be
• Deadline: 30 June (together with the personal income tax return)

⚖️ Why must you report Bitvavo?

Belgian legislation (article 307 WIB 92) requires every Belgian taxpayer to report foreign accounts. This applies to bank accounts, savings accounts, securities accounts and crypto accounts at foreign platforms. The explanatory note to the capital gains tax law of April 2026 expressly reconfirms this for crypto.

Bitvavo is a Dutch company, registered with De Nederlandsche Bank (DNB) as a provider of crypto services. Although you can simply use the website in Dutch and the platform is very accessible to Belgian users, it is legally a foreign institution. For Belgian CAP legislation, the Netherlands is abroad.

With the introduction of DAC8 (the European directive for the automatic exchange of crypto information), this report takes on an extra dimension. From 1 January 2026, Bitvavo will collect data and, in September 2027, report it to the Belgian tax authorities for the first time. Anyone whose CAP report is not in order will automatically show a mismatch between what they declared and what Bitvavo reported. Read our DAC8 guide for the full context.

Penalties for non-reporting: The tax authorities can impose fines of EUR 50 to EUR 1,250 per unreported account. In addition, the investigation period can be extended from 3 to 7 years.

🤔 But I read that it isn't required?

It is true that you can find articles online claiming that a Bitvavo account does not need to be reported. That position is based on a statement by the Minister of Finance from 2022, which said that platforms without a banking licence did not fall under the CAP reporting obligation.

Three reasons why that position is no longer tenable:

1. The capital gains tax law of April 2026 explicitly enshrines the CAP obligation for crypto. A ministerial interpretation from 2022 is overruled by a legal text from 2026.
2. DAC8 makes abstention pointless. Bitvavo will report to the Belgian tax authorities from September 2027 regardless. The CAP report is the mirror image of this: an unreported account that does come in via DAC8 is a red flag for a targeted audit.
3. Legal doctrine has shifted. Belgian tax law firms (DVD Tax Law, Tiberghien, Aeacus) have unanimously recommended since the end of 2025 that Bitvavo, Binance, Kraken and Coinbase should indeed be reported.

For those weighing it up: the difference is a one-off five-minute report versus a fine of up to EUR 1,250 plus an extended investigation period. The rational advice is clear.

📋 What details do you need?

Before you start the CAP report, gather the following information:

Finding your Bitvavo User ID: Log in to Bitvavo, click your name in the top right and go to Account. You can find your User ID or email address here.

📝 Step by step: CAP report

Step 1: go to the CAP portal

Open your browser and go to cappcc.nbb.be. This is the official portal of the National Bank of Belgium.

Step 2: log in with eID or itsme

Click "Report my foreign account(s)" and log in with your eID card reader or the itsme® app.

Step 3: choose "Add new account"

After logging in, you will see an overview of the accounts you have already reported. Click the button to add a new account.

Step 4: enter the Bitvavo details

Enter the following details:

• Account number: Your Bitvavo User ID or email address
• Institution name: Bitvavo B.V.
• Address: Keizersgracht 281
• Postal code: 1016 ED
• City: Amsterdam
• Country: The Netherlands

Step 5: confirm and save

Check the entered details and confirm. Save a copy or screenshot as proof of your report. You only need to do this once per account.

📑 Bitvavo in your tax return

Besides the CAP report, you must also mention your Bitvavo account in your annual tax return:

• Where: Vak XIII, section A (foreign accounts)
• What: The country (the Netherlands) and whether you reported it to the CAP

You don't have to enter a balance or amounts here, only confirm that you have a foreign account and that you have reported it.

For more details about the Tax-on-Web return, see our Tax-on-Web mapping guide.

📤 Exporting your transaction history from Bitvavo

For your tax calculation you need your complete transaction history. Here is how to export it.

Via the website (bitvavo.com)

1. Log in to bitvavo.com.
2. Click your name in the top right and go to Account.
3. Go to Transaction history.
4. Click "Export".
5. Select the desired date range.
6. Choose CSV as the export format.
7. Download the file.

Note: The Bitvavo CSV contains all your trades, deposits, withdrawals and staking rewards in a single file. You don't need to make separate exports as with some other exchanges. Cryptotax reads the standard Bitvavo CSV automatically.

❓ FAQ: frequently asked questions

Do I also have to report Bitvavo Staking?
Yes. Staking rewards via Bitvavo fall under the same account. The proceeds are taxable as miscellaneous income (diverse inkomsten) (33%) or movable income (roerende inkomsten) (30%), depending on your profile.

What if I have had my account for years but never reported it?
Report your account to the CAP as soon as possible. With voluntary regularisation the penalties are generally milder. For those who also have unreported income from the past, a tax regularisation via EBA-Quinquies is an option.

Bitvavo is Dutch though, is that really foreign?
Yes. For Belgian CAP legislation, every country outside Belgium is abroad, including the Netherlands. Bitvavo B.V. is registered in Amsterdam and therefore falls under the reporting obligation.

I no longer use Bitvavo, do I still have to report it?
If your account still exists (even with a balance of EUR 0), you must report it. If you have closed it completely, report this to the CAP so that the status is updated.

Does the reporting obligation also apply to self-managed wallets (Ledger, Trezor)?
No. The CAP reporting obligation only applies to accounts at foreign institutions. A hardware wallet or software wallet without the involvement of a platform falls outside the scope.

What about other exchanges? Bitstamp, Kraken, Binance, Coinbase?
All subject to the CAP. We have separate guides for Binance and Kraken, and a checklist for all foreign exchanges.

🧾 Summary

✅ Try Cryptotax

The CAP report is only the first step. To calculate your taxable crypto gains and income, you can try Cryptotax for free. We automatically import your transactions from Bitvavo, Binance, Kraken and on-chain wallets, and calculate your taxes according to the Belgian FIFO rules.

Do you also have a Binance account or Kraken account? Then also take a look at our CAP guides for those platforms. For the full DAC8 context: read our checklist for foreign exchanges.

Sources:

• CAP portal of the National Bank of Belgium
• FPS Finance, foreign accounts
• DNB register of crypto service providers
• News.belgium.be: introduction of the capital gains tax on financial assets

⚠️ Disclaimer: This article is purely informative and not individual tax advice. For specific cases, it is best to consult a qualified Belgian tax advisor or request a ruling from the Ruling Commission (Dienst Voorafgaande Beslissingen).