Croatia vs Montenegro
Crypto regulation comparison
Croatia
Montenegro
Legal
Legal
Cryptocurrency is legal in Croatia and regulated under the EU's MiCA framework since Croatia joined the eurozone in January 2023. Crypto capital gains are taxed at 10-12% depending on the holding period. HANFA oversees crypto service providers.
Montenegro has no specific crypto law but crypto is not prohibited. Working toward EU candidacy and potential MiCA alignment. Capital gains taxed under general provisions.
Tax Type
Capital gains
Tax Type
Capital gains
Tax Rate
12%
Tax Rate
9-15%
Exchanges
Yes
Exchanges
Yes
Mining
Yes
Mining
Yes
Regulator
HANFA (Croatian Financial Services Supervisory Agency)
Regulator
Central Bank of Montenegro, Capital Market Authority
Stablecoin Rules
Regulated under EU MiCA framework
Stablecoin Rules
No specific stablecoin regulation
Key Points
- Capital gains on crypto taxed at 12% flat rate
- Gains on crypto held over 2 years are tax-exempt
- HANFA regulates VASPs under Croatian and EU law
- MiCA framework fully applicable from 30 December 2024
- Croatia joined the eurozone in January 2023, aligning financial regulation with EU standards
Key Points
- No specific cryptocurrency legislation but crypto is legal
- Working toward EU candidacy and MiCA alignment
- Capital gains on crypto taxed at 9-15%
- Central Bank has acknowledged crypto without banning it
- Growing interest in crypto-friendly policies