Divly Review (2026):
The European Crypto Tax Tool That Actually Knows Your Country
Divly is a Swedish-built crypto tax platform designed specifically for European tax laws. It generates the official forms your country’s tax authority expects — K4, Anlage SO, Form 2086 — in your language, with human support behind it. This review covers what it does well, where it falls short, and whether it’s the right tool for your situation.
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TL;DR
Divly is the strongest crypto tax option for European retail investors who need a correct, locally compliant report without spending hours debugging it.
- European investors who buy, sell, or hold crypto and need to file a domestic tax return.
- Anyone who values simplicity over a data-heavy dashboard.
- Investors who want human support in their own language, not an AI chatbot.
- Long-term holders filing FIFO or Average Cost Basis reports.
- People who need to file retroactively for previous tax years.
- Complex DeFi portfolios — expect manual corrections on obscure protocols.
- Non-European investors — Divly is built for EU tax law and has limited US/global coverage.
- High-frequency or professional traders who need advanced accounting workflows.
- Users who want an all-in-one wealth dashboard for daily portfolio tracking.
What is Divly?
The pitch is simple: upload your transaction history, and Divly produces the exact tax document your country’s tax authority expects — pre-filled, in the right format, ready to submit.
Divly is a Swedish crypto tax software company founded with a single focus: making European crypto tax compliance as frictionless as possible. Most crypto tax tools are built around the US market and then retrofitted for European users. Divly went the other direction — it was designed from the start around EU tax law, EU tax forms, and EU languages.
The core workflow is import → review → export. You connect your exchanges and wallets via API or CSV, Divly classifies your transactions, flags potential errors like missing cost basis or unmatched transfers, and you export a tax report. The report is formatted for your specific country — not a generic PDF you then have to manually translate into your tax authority’s forms.
It’s not the most feature-rich tool in the market — it’s the most correctly localised tool for European investors who just need to get their annual filing done.
Supported countries and official tax forms
This is Divly’s main competitive advantage. It doesn’t just produce a summary of gains — it generates the official form your tax authority accepts, pre-populated with the right figures.
| Country | Official form generated | Tax method | Native language support |
|---|---|---|---|
| 🇸🇪 Sweden | K4 | Average Cost Basis | Yes |
| 🇩🇪 Germany | Anlage SO | FIFO | Yes |
| 🇫🇷 France | Form 2086 | FIFO | Yes |
| 🇮🇹 Italy | Tax report (Dichiarazione) | LIFO / FIFO | EN |
| 🇪🇸 Spain | Tax report (Modelo 721) | FIFO | EN |
| 🇳🇱 Netherlands | Box 3 report | Market value | EN |
| 🇫🇮 Finland | Capital gains report | FIFO | Yes |
| 🇵🇱 Poland | PIT-38 | FIFO | EN |
How Divly works: import, review, export
Divly’s three-step process is intentionally linear — you’re not expected to manage a dashboard or maintain an ongoing data connection outside tax season.
Connect exchanges and wallets via read-only API or CSV upload. Divly supports 800+ integrations including Binance, Coinbase, Kraken, Bitpanda, Ledger, MetaMask, and local European exchanges like Safello and Zonda. No KYC, no fund access — read-only connection only.
Divly automatically matches wallet transfers (so they don’t get counted as taxable disposals), flags missing cost basis, and identifies duplicate transactions. You review any flagged items, batch-edit transaction labels if needed, and confirm the classification looks correct before generating the report.
Generate the official tax form for your country in one click. For Sweden this is the K4, for Germany the Anlage SO, for France the Form 2086. The export is formatted to match what your tax authority expects — not a generic spreadsheet you need to manually reformat.
What Divly costs — and how the pricing model works
Divly charges per tax year — no recurring subscription. The price you pay depends on two things: which plan you choose, and how many transactions you had in that tax year. There are four transaction brackets (up to 100, 1,000, 10,000, and 100,000), and four plans. The Free plan covers portfolio tracking regardless of volume — a paid plan is only needed when you want an actual tax report.
| Plan | Up to 100 txns | Up to 1,000 txns | Up to 10,000 txns | Up to 100,000 txns |
|---|---|---|---|---|
| Free | €0 | €0 | €0 | €0 |
| Essential | €39 | €99 | €199 | €399 |
| Peace of Mind ★ | €99 | €199 | €399 | €699 |
| Full Service | €499 | €599 | €699 | €899 |
★ Peace of Mind is Divly’s highlighted “Sleep-Well Option” — Essential plus a human expert reviewing your transactions and a detailed issues report.
The baseline paid plan. Generates a tax report for your country, automatic calculations, unlimited revisions, and guidance on using the report. Everything most European retail investors actually need.
Everything in Essential, plus a Divly expert manually reviews your transactions, produces a detailed report flagging issues and fixes, and checks for accuracy. Worth considering if your portfolio is complex or the stakes are high enough that a filing error matters.
A dedicated Divly expert helps prepare your taxes from start to finish, including a 1-on-1 video call and guided declaration submission. The VIP option — priced accordingly.
Portfolio tracking for up to 25,000 transactions — unlimited blockchains, wallets, and exchanges, all crypto transaction types, 10,000+ supported currencies. No tax report, but useful for getting a complete picture of your holdings before committing to a paid plan.
How accurate is Divly for DeFi and complex activity?
This is where all crypto tax tools — Divly included — face the hardest challenge. The honest answer varies by portfolio complexity.
- Staking rewards (classified as income at fair market value on receipt)
- Airdrops and hard forks
- Standard LP token deposits and withdrawals on major protocols
- Cross-wallet transfer matching to avoid false disposal triggers
- Batch editing of 100+ transactions at once
- Obscure or newer DeFi protocols not yet indexed
- Complex cross-chain bridges
- NFT minting and secondary sales on less common chains
- Perpetual contracts and derivatives
- Some cross-chain token migrations
For investors with straightforward DeFi exposure — staking on Ethereum, a few liquidity pools on Uniswap — Divly handles the common cases reliably. The more exotic your on-chain activity, the more you should budget time for manual transaction review. This isn’t unique to Divly: no tool fully automates complex DeFi accounting for EU tax purposes yet.
Is Divly safe to use?
Two things matter here: what Divly can access, and what it knows about you.
Divly requires only an email address to sign up. It does not ask for ID documents, passport scans, or address verification. This is a deliberate design choice — the tool is for tax calculation, not regulated financial services.
When you connect an exchange, you create a read-only API key. Divly can pull transaction history — it cannot place trades, initiate withdrawals, or move funds. This is the same model used by Koinly and Blockpit, and it’s the correct approach for a tax tool.
Divly stores data on European servers and operates under GDPR. For a tool handling sensitive financial data, the minimal data collection approach is a practical privacy advantage over tools that require full identity verification.
Divly vs Koinly vs Blockpit: which one for European investors?
The three tools most European investors will be comparing. Each targets a different user profile.
| Feature | Divly | Koinly | Blockpit |
|---|---|---|---|
| Primary market | Europe-first | Global | Europe + Austria-first |
| Official EU tax forms | Yes — K4, Anlage SO, Form 2086, others | Partial | Yes — AT, DE, CH focused |
| Native language support | SE, DE, FR, FI | English only | DE, AT |
| Human expert support | Yes (Expert Review tier) | No | No |
| Exchange integrations | 800+ | 1,000+ | 500+ |
| Free plan | Portfolio tracking only | Limited tax report | Limited tax report |
| Pricing model | Per tax year | Annual subscription | Annual subscription |
| UI complexity | Simple — tax-focused | Moderate | Complex — trader-focused |
| Daily portfolio dashboard | Basic | Yes | Yes |
Koinly has more integrations and broader global coverage. Divly wins on EU localisation — it generates official forms in the correct language and has human support behind it. For most European retail investors filing a domestic tax return, Divly’s focus is a practical advantage. If you need to file in a non-EU country or have an unusually wide exchange footprint, Koinly’s raw coverage matters more. See the full Koinly vs Divly comparison for a detailed breakdown.
Blockpit is strong for Austrian and German users and has a richer feature set for active traders — more complex transaction types, a more detailed dashboard. Divly is deliberately simpler. If you want a tool you open once at tax time and close 15 minutes later, …Divly’s stripped-back approach is the point, not a limitation. See the full Blockpit vs Divly comparison for a side-by-side breakdown.
Pros and cons
- Best European tax form localisation of any tool reviewed — official forms, native language, correct method per country.
- Human Expert Review option at €499+ is a genuine differentiator vs competitors who only offer AI support.
- Per-tax-year pricing means no recurring subscription dragging on if you don’t file every year.
- Clean, minimal UI — you don’t need to learn a trading dashboard to file a tax return.
- No-KYC, read-only API connections — minimal data exposure.
- Supports retroactive filing for previous years.
- Fewer integrations than Koinly (800 vs 1,000+) — some niche exchanges may require CSV upload.
- Complex DeFi portfolios still require manual transaction labelling and review.
- Portfolio dashboard is basic — not suitable as a daily tracking tool.
- Not built for non-European investors; limited utility outside EU/EEA tax regimes.
- Some users report calculations being harder to audit manually vs a transparent spreadsheet.
Who should use Divly — and who shouldn’t
Divly is the right choice. You buy crypto on one or two exchanges, hold it, and sell occasionally. You need a correct domestic tax report in the right language and format. Divly does this better than any other tool in the market for European investors.
Divly works, but budget time for manual transaction review. If your DeFi activity involves mainstream protocols (Uniswap, Aave, Lido staking), Divly handles the common cases well. If you’re farming obscure protocols on 10 chains, you’ll be spending meaningful time on corrections regardless of which tool you use.
Use the Expert Review tier at €499+. A human accountant verifies the import and flags issues. At meaningful portfolio sizes, this cost is trivial vs the risk of a filing error. This is the main reason to choose Divly over Koinly or Blockpit at the high end — they don’t offer an equivalent human review service.
US investors, high-frequency professional traders needing advanced accounting workflows, or anyone looking for an all-in-one portfolio tracking and tax tool for daily use. Waltio is a better option if you want a wealth dashboard alongside tax reporting. Koinly is better for non-EU geographies.
Try Divly for free
The free plan lets you connect your exchanges and review your transaction history before committing to a paid report. No KYC required, no credit card needed to start.
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