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UK Doubles Crypto Tax Warning Letters, Sends 65K in 2024–25 Crackdown

UK Tax Authority Doubles Crypto Warning Letters as HMRC Increases Scrutiny on Digital Asset Investors

  • The UK tax authority has increased warning letters to crypto investors, reaching nearly 65,000 in the 2024–25 tax year.
  • HM Revenue & Customs (HMRC) uses these letters to encourage accurate tax filings before starting formal investigations.
  • Seven million UK adults now hold crypto assets, up from five million in 2022.
  • HMRC’s access to transaction data from major exchanges will expand with new global reporting standards in 2026.
  • Other countries, including the U.S. and South Korea, are also reviewing or enforcing crypto tax rules.

HM Revenue & Customs (HMRC) issued almost 65,000 warning letters to crypto investors in the UK during the 2024–25 tax year, according to data obtained by the Financial Times. The letters were sent to individuals suspected of underreporting or not declaring gains from digital assets.

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The number of letters, known as “nudge letters,” more than doubled compared to 27,700 the previous year. The agency uses these letters to prompt taxpayers to review and correct their filings voluntarily before a formal audit is launched. Over the past four years, HMRC has sent more than 100,000 of these notices as interest and investment in crypto assets have grown.

The Financial Conduct Authority estimates that about seven million UK adults now own some form of crypto asset, a significant increase from five million (10% of the adult population) in 2022.

In 2021, this figure stood at 2.2 million adults.

“The tax rules surrounding crypto are quite complex and there’s now a volume of people who are trading in crypto and not understanding that even if they move from one coin to another it triggers capital gains tax,” – said Neela Chauhan, a partner at UHY Hacker Young, as reported to the Financial Times.

Recent changes have made it easier for HMRC to monitor crypto transactions. The agency now receives direct data from major crypto exchanges and will obtain automatic access to international exchange data beginning in 2026.

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This is due to implementation of the Organisation for Economic Co-operation and Development (OECD)’s Crypto-Assets Reporting Framework (CARF), which is intended to increase global transparency.

In the United States, lawmakers are considering updates to crypto tax guidance, such as exempting smaller transactions from capital gains tax and clarifying the treatment of staking rewards.

Meanwhile, tax authorities in South Korea have warned that crypto assets held in cold wallets may also be subject to seizure if linked to unpaid taxes.

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