The year 2025 promises to be a year of fiscal upheaval. Whether you are an experienced investor in cryptocurrencies or you receive dividends on your investments, the increase in the flat tax, recently voted by the Finance Committee, risks weighing on your gains. Scheduled to go from 30% to 33%, this increase will affect all capital income, including that from cryptos. Here's what you need to know.
An increase that impacts all investors
Launched in 2018 under the presidency of Emmanuel Macron, the single flat-rate levy (PFU) aimed to simplify taxation on savings and financial investments.
With a rate of 30%, it brought together income tax (12.8%) and social security contributions (17.2%), and concerned a wide range of income, from dividends to capital gains including interest on savings accounts.
But from 2025, this rate will increase to 33%. A decision which comes in a context where the government seeks to strengthen tax revenues.
This increase is not limited only to holders of traditional securities accounts, but also includes investors in crypto, a rapidly expanding field.
The gains made when reselling your cryptos, subject to this flat tax, will therefore be taxed more heavily. The fear of a reduction in the attractiveness of investments in France is palpable.
Crypto: a sector under tax pressure
Cryptocurrency enthusiasts will not escape this increase. Long considered by some as a tax shelter, crypto is now in the crosshairs of legislators.
With the growing popularity of cryptos like Bitcoin or Ethereum, the state could no longer ignore the revenue generated. From now on, each sale or conversion into fiat currency will be subject to this new 33% taxation.
Furthermore, some experts fear that this increase will go further, with discussions already underway to potentially raise the rate to 35% in certain situations, such as excessive dividend distributions.
A hard blow for crypto investors, who were already faced with sometimes destabilizing market fluctuations.
Although this increase in the flat tax is a warning shot, it is not yet set in stone.
Parliamentary debates around bill of finances are not yet coming to an end, and other adjustments could occur before the final vote.
That said, it is essential for any investor, whether in the crypto sector or in more traditional investments, to prepare for this new tax reality. Meanwhile, AI and memecoins are setting the trend.
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