FAQ: How is trading taxed in France?
How is trading taxed in France?#
In France, capital gains on securities (shares, ETFs, crypto and so on) are subject to the PFU (Prélèvement Forfaitaire Unique), also known as the flat tax, of 30% (12.8% income tax plus 17.2% social levies). As an alternative, you may opt for the progressive income tax scale if your marginal rate is below 12.8%. Crypto-assets follow the same regime (30% flat tax) since 2019, applying only when you convert into fiat currency.
The PEA (Plan d'Épargne en Actions, a French equity savings plan) offers favorable tax treatment: after five years of holding, capital gains are exempt from income tax (only the 17.2% social levies apply). The PEA is capped at EUR 150,000 in contributions and limited to eligible European shares and ETFs. It is the ideal wrapper for long-term investing.
Tax Optimization
Fill your PEA first (income tax exemption after five years). Use a CTO (Compte-Titres Ordinaire, a standard securities account) for assets not eligible for the PEA. For crypto, avoid frequent conversions into euros — crypto-to-crypto exchanges are not taxable events. Consult an accountant about your specific situation.
Warning
The tax information in this article is indicative and applies to France in 2026. Tax rules can change. Consult a professional about your personal situation. TradeSynapse is a simulation platform and does not provide tax advice.
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