Ireland Excludes Crypto From New Tax-Advantaged Investment Accounts

According to BlockchainReporter, Ireland has published a roadmap for a new tax-advantaged retail investment account that excludes cryptocurrencies from its eligible assets. Digital assets and derivatives are classified as highly complex and risky products rather than qualifying holdings. The Roadmap for the Taxation of Retail Investment lists eligible assets such as listed stocks, bonds, instruments traded on regulated markets, retail investment funds, exchange-traded funds, and insurance-based investment products. Cryptocurrencies and derivatives are excluded based on a September 2025 recommendation from the European Commission.

The framework leaves room for tokenized versions of traditional financial instruments. Under the roadmap, investments in the accounts would face no tax below an unannounced threshold, with a low flat rate applied annually to the average value above that threshold. Final tax rates, thresholds, and contribution limits will be announced in October as part of Budget 2027. Irish households currently hold about 38 percent of their financial assets in cash and deposits, exceeding the European Union average of 30 percent.