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Croatia vs Montenegro

Crypto regulation comparison

← Back to map | Croatia | Montenegro
Croatia

Croatia

Montenegro

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 Yes
Exchanges Yes Yes
Mining Yes Yes
Mining Yes 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
Sources
Sources