Crypto in Romania 2026

What is the MiCA regulation?

The MiCA regulation (Markets in Crypto-Assets) is the European legislative framework regulating the cryptocurrency market in the EU, including Romania. From June 2024, all exchanges operating in the EU must obtain a MiCA license. The transition period ends in July 2026.

MiCA-licensed exchanges offer additional protection: segregation of client funds, regular audits, and dispute resolution procedures.

Crypto Taxes Romania 2026

From 2026, cryptocurrency trading gains are taxed at 16% (up from 10% in 2025). Main rules:

• Capital gains tax: 16% on net gain (gains minus losses)
• Health insurance (CASS): 10% if gains exceed 6× the minimum gross wage (24,300 RON)
• CASS cap: maximum 10% of 72× the minimum gross wage (29,160 RON)
• De minimis: transactions under 200 RON are exempt, max 600 RON/year
• Declaration: Single Declaration (Form 212), due May 25 of the following year

What is taxable?

• Selling crypto for fiat (RON, EUR, USD)
• Crypto-to-crypto exchange (e.g., BTC for ETH)
• Buying goods/services with crypto

NOT taxable: holding (HODL), transfers between own wallets, receiving airdrops (until sale).

How to buy crypto in Romania?

1. Choose an exchange (see comparison above)
2. Complete KYC verification (ID card)
3. Deposit funds (SEPA bank transfer or card)
4. Buy cryptocurrencies (BTC, ETH, etc.)
5. Optional: transfer to a personal wallet (Ledger, Trezor)

Romanian vs. international exchanges

Tradesilvania and Coinzix are Romanian exchanges that allow deposits and withdrawals in RON. Advantages: Romanian language support, automatically generated tax report for ANAF, and no currency conversion. Disadvantages: higher fees and fewer available cryptocurrencies.

International exchanges (Binance, Coinbase, Kraken) offer lower fees and hundreds of cryptocurrencies, but require RON → EUR conversion for deposits.