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If you own or trade any crypto, the approach of tax season might present a whole new set of challenges. Trading and investing across multiple cryptocurrency exchanges can easily become very confusing for the average trader. In other words, it can be very tricky to keep track of your digital portfolio, your gains, and losses at all times.

If you regularly engage in cryptocurrency transactions, then the burden of calculating these profits and losses usually falls entirely with you. Fortunately, there is software out there that can help you keep an account of your cryptocurrency portfolio and generate tax reports based on your activities.

CoinTracking.info is one such platform that can function as your personal crypto portfolio monitor. In this review, I will walk you through the different features of this product and how you can use it to simplify the process of crypto tax reporting.

CoinTracking.info – An Overview

As you likely already know, the first cryptocurrency – Bitcoin, was launched in 2009. In 2012, CoinTracking was created as one of the first companies to have tapped into the upcoming market of crypto tax reporting tools. The platform was intended to make the lives of traders easier, by managing their portfolio throughout the year.

Over time, CoinTracking.info has gained the trust of over 3 million users and handles portfolios worth billions of dollars. It has built a worldwide network comprising expert tax advisors, professional cryptocurrency investors, and lawyers who can offer you any assistance with international filing requirements.

In simple terms, CoinTracking.info allows you to evaluate all your relevant information about your crypto portfolio in one place. With this tool, there is no need for you to extract your trading reports and enter them manually. Instead, the platform will directly import your data, and then do the rest of the work by itself.

At the moment, CoinTracking.info integrates with over 300 cryptocurrency exchanges and wallets, making it one of the most comprehensive options available.

CoinTracking.info – Features

You can look at CoinTracking.info as a multi-faceted platform. It can serve as a portfolio manager, as well as a tax calculator for your crypto holdings.

As a portfolio manager, CoinTracking.info allows you to:

• Calculate your historical balances and profits
• Check coins and currency on each exchange
• View current balances
• Review your realized and unrealized gains
• Analyze the total profit and losses of your trades

CoinTracking.info also offers a unique Capital Gains Tax Calculator for thousands of different cryptocurrencies, digital assets, and tokens. And most importantly, the platform will be able to generate reports that are compliant with your country’s specific tax laws.

The tool is also accessible through its mobile app, allowing you to track different cryptocurrencies and your assets while on the go.

Now that you have an idea of what CoinTracking.info is all about, I’ll now explain how you can start using the platform.

How to Start with CoinTracking.info?

Once you have created an account on the platform, in order to start using its features – you will first have to import your trading data from an exchange or a wallet.

How to Add your Trades

CoinTracking.info allows you to import your trading data using three methods.

1. Automatic API Import

As I mentioned earlier, CoinTracking.info has partnered with several cryptocurrency platforms to monitor your trading data automatically. This can be done by linking the API Keys of your respective exchanges and wallets.

The platform also comes with an API Live Data Check that will allow you to check your current balance across multiple exchanges that you have connected through an API. This will ensure that the trades are added seamlessly, and you do not have to worry about manual updates.

2. Uploading Data Using CSV

You can also transfer data by uploading a CSV file that contains all your trading information. Many exchanges allow you to export these directly from their platforms.

Then you can simply drag and drop these files into CoinTracking.info and you are ready to go.

3. Manual Data Entering

In case there are some trades you were unable to import automatically, you can enter the data manually. You will be entering the details in the form of a table, by entering the specific numbers of coins bought and the trading involved. You will also have the option to edit these entries or erase them later.

If you are having any trouble setting up your account, not to worry – CoinTracking.info offers you detailed instructions every step of the way. When this is completed, the platform will give you a complete analysis of your trades, prices, volume, gains, losses, and the entire value of your portfolio.

Note: The automatic import options are available only for paid users of the platform. If you are accessing the free service, you will have to manually enter all the data.

CoinTracking.info – Interface, and Tools

When you have set up your account, you can proceed to explore the different features of CoinTracking.info. Let us start with what you will find in the portfolio management section.

CoinTracking.info – Analysis Tools

CoinTracking.info has one of the most user-friendly interfaces you will come across. Although the website might look a bit outdated, it has clearly defined each section and categorized its features.

In terms of analysis, you will be able to find the following useful features on CoinTracking.info:

Dashboard

Your dashboard will give you a complete overview of your portfolio. This will include the summary of the coins you hold, the value of each coin, your total profits/losses, the list of your exchange, and much more.

You will also be able to get a synopsis of your trades per day.

Reporting

The Reporting Tab consists of a wide range of different data regarding your trading activity. These charts and tables are interactive, which allows you to take a look at individual datasets if needed. You can also set the graph to view information for a specific period.

This includes:

• Trade Statistics – Here, you will find separate graphs for your historical balance, the current value of each currency, your trading volume, and the number of coins you hold.
• Trade List –  Under this section, you will be able to see a detailed listing of all your trades, such as the buy and sell volumes. This will also include any comments that you have added for individual coins at the time of uploading the data. CoinTracking.info allows you to export this list in multiple formats directly from the platform.
• Trade Prices– This will calculate the cost of all your trades on any particular day, or until the date specified.
• Trade Fees – Here, you will be able to find an account of any trading fees applicable to the trades you have imported.

CoinTracking.info – Research Area

Crypto debit cards have come a long way in Europe. What started as a niche product for early adopters has matured into a competitive market — and with MiCA (Markets in Crypto-Assets Regulation) now fully in force, the landscape looks noticeably different heading into 2026.

The biggest change since my last update: the Binance Card was discontinued for European Economic Area (EEA) residents in December 2023. That removed one of the most popular options from the table overnight. On the flip side, new entrants like Bybit EU have launched MiCA-compliant cards with compelling cashback structures, so there’s no shortage of solid alternatives.

These cards work like any Visa or Mastercard debit card — you spend crypto, it converts to euros at the point of sale, and the merchant sees a normal card transaction. The appeal is real: you can put your holdings to work without selling through an exchange, earn cashback on everyday spending, and avoid the friction of manual conversions.

In my opinion, these are currently the best crypto debit cards for European residents in 2026:

• Bybit Card
• Nexo Card
• Crypto.com Visa Card
• Nebeus
• SpectroCoin

Let’s take a closer look at each one.

Bybit Card

Bybit EU launched its card across the EEA in September 2025, and it’s become one of the most talked-about options in Europe almost immediately. Bybit EU GmbH operates as a licensed Crypto-Asset Service Provider (CASP) under MiCAR, which matters — it means you’re dealing with a regulated entity, not a company operating in a grey zone.

The card is a Mastercard debit card and supports BTC, ETH, XRP, USDT, and USDC. There are no annual fees, and it works with both Apple Pay and Google Pay. You can get a physical card mailed to you or use a virtual card instantly.

The cashback structure is what makes Bybit stand out right now. In January 2026, Bybit EU introduced Bitcoin cashback — eligible users earn between 2% and 10% back in BTC depending on their rewards tier. There’s also a tiered loyalty points system redeemable for vouchers and crypto. Note that the card is not available in Croatia, Ireland, Romania, or Norway within the EEA.

If you’re already using Bybit as your exchange, this is a no-brainer. Even if you aren’t, it’s worth a look purely on the strength of the cashback.

Nexo Card

The Nexo Card does something no other card on this list does: it lets you choose at the point of sale whether you’re spending your crypto directly (debit mode) or borrowing against it (credit mode). That second option means your crypto keeps working — earning yield or sitting in reserve — while you spend borrowed funds.

The card is a Mastercard, available exclusively to EEA and UK residents, and charges no monthly fees or FX markup on international transactions. Cashback goes up to 2% in BTC or NEXO tokens for Platinum tier members, with lower tiers starting at 0.5%.

The catch is that the better rates — both on cashback and on borrowing — require holding a meaningful amount of NEXO tokens. If you’re already in the Nexo ecosystem, the card is a natural extension. If you’re not, factor in the token requirement before signing up.

Crypto.com Visa Card

Crypto.com has been offering cards in Europe for years and remains one of the most widely available options, covering 40+ EEA countries. The card has evolved in 2025 — they replaced the old staking tiers with a “Level Up” program launched in September 2025, which combines subscription fees and 12-month CRO staking commitments to determine which card tier you qualify for.

The rewards structure runs from the free Midnight Blue (1% cashback, no premium perks) up to higher tiers offering up to 5% cashback in CRO tokens, plus monthly credits for Spotify, Netflix, and Amazon Prime, and airport lounge access. There are no annual fees and no foreign transaction fees.

The main consideration is CRO exposure. Most of the compelling benefits require staking CRO, so the card’s real value depends on how you feel about holding that token. If you’re neutral or bullish on CRO, this remains one of the most feature-rich options in Europe. If you’d rather earn cashback in BTC or a stablecoin, look at Bybit or Nexo instead.

Nebeus

Nebeus is a London-based crypto neobank that offers both a physical and virtual Visa debit card. The card supports Bitcoin, Ethereum, Litecoin, Ripple, and a handful of others, converting to EUR at the point of sale. KYC verification is required, and the physical card is mailed to you once approved.

One useful feature: the card functions as a credit card on the backend, which means it works for bookings and purchases that require pre-authorization — hotels, car rentals, and the like — even though you’re spending your own crypto balance.

The honest downside is that the Nebeus card compares poorly on cashback (0% by default, with 2-3% available only if you hold 50 NBTK tokens) and doesn’t support Apple Pay. The daily spending limit is also capped at €5,000, which is on the lower end. It’s a solid choice for someone who already uses Nebeus for crypto loans or yield accounts and wants a card to match, but harder to recommend as a standalone pick given the competition.

Get your Nebeus card

SpectroCoin

SpectroCoin has been offering crypto debit cards to European residents for years and continues to do so in 2026. The card is a Visa card, available only to EEA residents, and supports Bitcoin, Ethereum, Litecoin, XRP, USDT, USDC, and a range of other assets — all settling in EUR.

The fees are straightforward: a €1.15 monthly maintenance fee. The spending limit is generous at €25,000 per day — the highest of any card on this list. For high-volume spenders, that headroom is a genuine differentiator.

SpectroCoin is a simpler, no-frills option with no complex tiering or staking requirements. If you want a card that just works without needing to commit to a platform’s native token, SpectroCoin is worth considering.

Get your SpectroCoin card

What About the Binance Card?

If you used the Binance Card previously — it’s gone for European residents. Binance discontinued its Visa debit card services across the EEA in December 2023, citing regulatory pressure and the end of key issuing partnerships. Your Binance exchange account and balances are unaffected, but the card is no longer an option.

The good news is that Bybit EU has stepped into that gap with a MiCA-compliant card that arguably improves on what Binance offered.

How MiCA Changes the Picture

MiCA is now fully in force across the EU, and it’s reshaping which crypto card providers can legally operate here. Providers that haven’t obtained CASP licensing are being pushed out — which is part of why the Binance Card situation happened and why some smaller card services have quietly disappeared.

The upside is that the cards that remain are operating under a real regulatory framework. That means better consumer protections, clearer fee disclosures, and less of the “launch fast, sort compliance later” energy that characterized earlier years.

When evaluating any crypto card in 2026, it’s worth checking whether the issuer holds MiCA authorization (or is operating under a valid transitional arrangement). Bybit EU is the clearest example of a provider that has embraced MiCA licensing directly.

Which Card Should You Choose?

For most European crypto users in 2026, here’s how I’d break it down:

• Best cashback right now: Bybit Card (up to 10% in BTC, MiCA-compliant, no annual fee)
• Best for spending without selling: Nexo Card (borrow against your crypto, earn yield simultaneously)
• Best for ecosystem depth: Crypto.com Visa Card (wide EEA coverage, Netflix/Spotify perks at higher tiers)
• Best high-spending limit: SpectroCoin (€25,000/day, no token staking required)
• Best if you’re already on Nebeus: Nebeus Card (integrates with their loan and yield products)

Which is your favorite crypto debit card in 2026? Other options worth looking into are Swapin and the Coinbase Card, which has expanded its EEA availability following MiCA authorization in mid-2025.