Reference
Rates & thresholds — 2026/27
Quick answer: For the UK 2026/27 tax year the CGT annual exempt amount is £3,000, CGT rates on most crypto gains are 18% and 24%, and FSCS deposit protection (£85,000) does not cover crypto. Digital Assets UK checks every figure against gov.uk — last check 17 July 2026. Not financial advice.
Verified against gov.uk and HMRC. Last checked July 2026.
- CGT annual exempt amount
- £3,000
- 2026/27 tax year — shared across all capital gains, not crypto-only.
- Source → · checked 17 July 2026
- CGT rate (basic rate band)
- 18%
- On most assets including crypto, for gains within the basic-rate band.
- Source → · checked 17 July 2026
- CGT rate (higher/additional band)
- 24%
- On most assets including crypto, above the basic-rate band.
- Source → · checked 17 July 2026
- Personal Allowance (Income Tax)
- £12,570
- Frozen until April 2028. Tapers above £100,000 income.
- Source → · checked 17 July 2026
- Inheritance Tax nil-rate band
- £325,000
- Standard nil-rate band per estate.
- Source → · checked 17 July 2026
- FSCS deposit protection
- £85,000
- Per banking licence — does not cover crypto on exchanges.
- Source → · checked 17 July 2026