{"id":5728,"date":"2026-04-16T08:52:21","date_gmt":"2026-04-16T08:52:21","guid":{"rendered":"https:\/\/exchangeselector.com\/?p=5728"},"modified":"2026-04-16T08:52:21","modified_gmt":"2026-04-16T08:52:21","slug":"error-declarar-perdidas-criptomonedas-espana","status":"publish","type":"post","link":"https:\/\/exchangeselector.com\/es\/error-declarar-perdidas-criptomonedas-espana\/","title":{"rendered":"El error fiscal que comete el 70% de los inversores crypto en Espa\u00f1a: no declarar las p\u00e9rdidas"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49, .wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49[data-kb-block=\"kb-adv-heading5728_b0c1d6-49\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49[data-kb-block=\"kb-adv-heading5728_b0c1d6-49\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_b0c1d6-49[data-kb-block=\"kb-adv-heading5728_b0c1d6-49\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_b0c1d6-49 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_b0c1d6-49\">La campa\u00f1a de la Renta 2026 est\u00e1 en marcha. Entre abril y junio, millones de espa\u00f1oles deben regularizar lo que ganaron \u2014y lo que perdieron\u2014 el a\u00f1o pasado. Y en el universo de las criptomonedas, hay un error que se repite con una frecuencia alarmante: no declarar las p\u00e9rdidas. No por mala fe, sino por desconocimiento. Porque parece il\u00f3gico informar a Hacienda de algo que ya duele de por s\u00ed. \u00bfPara qu\u00e9 decirle al fisco que perd\u00ed dinero?<br><br>La respuesta es sencilla: porque <strong>no declarar las p\u00e9rdidas equivale a regalarle dinero a Hacienda<\/strong>. Y en un a\u00f1o en que Bitcoin ha ca\u00eddo m\u00e1s del 40% desde sus m\u00e1ximos hist\u00f3ricos, ese regalo puede ser muy gordo.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3, .wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3[data-kb-block=\"kb-adv-heading5728_cc1a9e-a3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3[data-kb-block=\"kb-adv-heading5728_cc1a9e-a3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_cc1a9e-a3[data-kb-block=\"kb-adv-heading5728_cc1a9e-a3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_cc1a9e-a3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_cc1a9e-a3\">El contexto: Hacienda ya sabe lo que tienes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de entrar en los detalles fiscales, conviene entender el escenario en el que nos movemos. El a\u00f1o 2026 marca un punto de inflexi\u00f3n en la relaci\u00f3n entre el inversor en criptomonedas y la Agencia Tributaria. Las nuevas normativas europeas y los modelos informativos 172 y 173 han reforzado la posici\u00f3n de Hacienda: ya no existen zonas grises ni periodos de gracia por desconocimiento. <a href=\"https:\/\/alvamarconsultores.com\/declarar-criptomonedas-en-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><br><br>Esto es importante porque muchos inversores siguen operando bajo la premisa de que las criptomonedas son un espacio opaco, dif\u00edcil de rastrear. Ese tiempo se acab\u00f3. A partir de este a\u00f1o, exchanges y custodios de criptomonedas tienen la obligaci\u00f3n de informar autom\u00e1ticamente a Hacienda sobre las actividades con activos digitales. <a href=\"https:\/\/www.clcripto.com\/declarar-criptomonedas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Es decir, si operas en Coinbase, Kraken, Binance o cualquier plataforma con presencia europea, la informaci\u00f3n de tus operaciones llega a la Agencia Tributaria sin que tengas que hacer nada. El problema es que la carga de calcular correctamente esas ganancias y p\u00e9rdidas sigue recayendo sobre ti.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a, .wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a[data-kb-block=\"kb-adv-heading5728_c01573-1a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a[data-kb-block=\"kb-adv-heading5728_c01573-1a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_c01573-1a[data-kb-block=\"kb-adv-heading5728_c01573-1a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_c01573-1a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_c01573-1a\">Qu\u00e9 se considera un evento fiscal y qu\u00e9 no<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68, .wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68[data-kb-block=\"kb-adv-heading5728_de618f-68\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68[data-kb-block=\"kb-adv-heading5728_de618f-68\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_de618f-68[data-kb-block=\"kb-adv-heading5728_de618f-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_de618f-68 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_de618f-68\">Aqu\u00ed es donde empieza la confusi\u00f3n para la mayor\u00eda. No todo lo que haces con tus criptomonedas genera obligaci\u00f3n tributaria, pero s\u00ed mucho m\u00e1s de lo que la gente cree. <br><br>Solamente podr\u00e1s no incluir tus criptoactivos si lo \u00fanico que has hecho es holdear, es decir, simplemente has comprado criptomonedas y no has hecho nada m\u00e1s. En cuanto hay movimiento, hay obligaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/taxdown.es\/criptomonedas-declaracion-renta\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Estos son los eventos que generan ganancia o p\u00e9rdida patrimonial y que deben declararse:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vender criptomonedas a euros.<\/li>\n\n\n\n<li>Intercambiar una criptomoneda por otra (BTC por ETH, por ejemplo).<\/li>\n\n\n\n<li>Pagar un bien o servicio con criptomonedas.<\/li>\n\n\n\n<li>Recibir recompensas de staking o airdrops.<\/li>\n\n\n\n<li>P\u00e9rdidas por hacks o estafas (bajo ciertas condiciones).<\/li>\n<\/ul>\n\n\n<style>.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{display:flex;}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col,.kadence-column5728_1ba81a-06 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column5728_1ba81a-06{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column5728_1ba81a-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5728_1ba81a-06{position:relative;}@media all and (max-width: 1024px){.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column5728_1ba81a-06{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column5728_1ba81a-06{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_1ba81a-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5728_1ba81a-06\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07, .wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07[data-kb-block=\"kb-adv-heading5728_159693-07\"]{padding-top:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07[data-kb-block=\"kb-adv-heading5728_159693-07\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_159693-07[data-kb-block=\"kb-adv-heading5728_159693-07\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_159693-07 wp-block-kadence-advancedheading has-theme-palette-8-background-color has-background\" data-kb-block=\"kb-adv-heading5728_159693-07\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-3-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-3-color\"><strong>Nota importante:<\/strong> Cambiar Bitcoin por Ethereum es un evento fiscal. Hacienda considera que has vendido BTC \u2014con su correspondiente ganancia o p\u00e9rdida\u2014 y comprado ETH. Debes declarar esa ganancia aunque no hayas tocado euros en ning\u00fan momento.<\/mark><\/mark> Este es uno de los malentendidos m\u00e1s frecuentes y costosos entre los inversores espa\u00f1oles.<\/p>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2, .wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2[data-kb-block=\"kb-adv-heading5728_acd30b-f2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2[data-kb-block=\"kb-adv-heading5728_acd30b-f2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_acd30b-f2[data-kb-block=\"kb-adv-heading5728_acd30b-f2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_acd30b-f2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_acd30b-f2\">El error que m\u00e1s dinero cuesta: ignorar las p\u00e9rdidas<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50, .wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50[data-kb-block=\"kb-adv-heading5728_800129-50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50[data-kb-block=\"kb-adv-heading5728_800129-50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_800129-50[data-kb-block=\"kb-adv-heading5728_800129-50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_800129-50 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_800129-50\">En 2025, Bitcoin pas\u00f3 de rozar los $126.000 a desplomarse a m\u00ednimos de $62.000. Muchos inversores espa\u00f1oles vendieron en ese camino hacia abajo, materializando p\u00e9rdidas reales. Y ah\u00ed est\u00e1 el punto cr\u00edtico: la mayor\u00eda no las declar\u00f3 porque no ve\u00eda ning\u00fan sentido en hacerlo. Sin ganancias con las que compensar, \u00bfpara qu\u00e9 molestarse?<br><br>El razonamiento es comprensible pero completamente equivocado, y puede costar mucho dinero en el futuro. Las p\u00e9rdidas son deducibles y tienes cuatro a\u00f1os para compensarlas con futuras ganancias. <a href=\"https:\/\/alvamarconsultores.com\/declarar-criptomonedas-en-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Esto se conoce en planificaci\u00f3n fiscal como <em>tax loss harvesting<\/em>, y es una de las herramientas m\u00e1s potentes que tiene el inversor a su disposici\u00f3n.<br><br>La mec\u00e1nica es la siguiente: si en 2025 perdiste 5.000 euros vendiendo Bitcoin y no lo declaras, para Hacienda esa p\u00e9rdida no existe. Si en 2026 ganas 5.000 euros con otra operaci\u00f3n, pagar\u00e1s impuestos sobre esos 5.000 euros \u00edntegros. En cambio, si hubieras declarado la p\u00e9rdida en su momento, podr\u00edas haberla usado para compensar la ganancia y <strong>tu factura fiscal habr\u00eda sido cero<\/strong>.<br><br>Es habitual que varios inversores no declaren las p\u00e9rdidas porque no hay ganancias con las que compensar. La consecuencia es que, si en a\u00f1os posteriores tienen ganancias de criptomonedas, no podr\u00e1n compensarlas con esas p\u00e9rdidas pasadas porque para Hacienda no existen. <a href=\"https:\/\/www.aece.es\/descargararchivo_docnoticias_2941\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9, .wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9[data-kb-block=\"kb-adv-heading5728_6b7bb0-d9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9[data-kb-block=\"kb-adv-heading5728_6b7bb0-d9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_6b7bb0-d9[data-kb-block=\"kb-adv-heading5728_6b7bb0-d9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_6b7bb0-d9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_6b7bb0-d9\">Los modelos que debes conocer<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71, .wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71[data-kb-block=\"kb-adv-heading5728_953648-71\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71[data-kb-block=\"kb-adv-heading5728_953648-71\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_953648-71[data-kb-block=\"kb-adv-heading5728_953648-71\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_953648-71 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_953648-71\">La fiscalidad de las criptomonedas en Espa\u00f1a se canaliza a trav\u00e9s de varios modelos. Conviene conocerlos aunque sea de forma b\u00e1sica:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Modelo 100 (IRPF):<\/strong> El de siempre. Aqu\u00ed van todas las ganancias y p\u00e9rdidas patrimoniales derivadas de la compraventa de criptomonedas, en las casillas espec\u00edficas habilitadas a partir de este ejercicio (1800-1814).<br><\/li>\n\n\n\n<li><strong>Modelo 721:<\/strong> Declaraci\u00f3n informativa sobre criptomonedas en el extranjero. Debe presentarlo cualquier residente fiscal en Espa\u00f1a que tenga criptomonedas en plataformas extranjeras si el valor total supera los 50.000 euros a 31 de diciembre. <a href=\"https:\/\/taxdown.es\/criptomonedas-declaracion-renta\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Se presenta entre enero y marzo, antes de la campa\u00f1a de la Renta.<br><\/li>\n\n\n\n<li><strong>Modelos 172 y 173:<\/strong> No los presenta el inversor. Los presentan los propios exchanges e intermediarios. Son la raz\u00f3n por la que Hacienda ya sabe lo que tienes.<br><\/li>\n<\/ul>\n\n\n<style>.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{display:flex;}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col,.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column5728_6ef2ea-f7{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{background-color:var(--global-palette8, #F7FAFC);}.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5728_6ef2ea-f7{position:relative;}@media all and (max-width: 1024px){.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column5728_6ef2ea-f7{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{border-left:3px solid var(--global-palette1, #3182CE);flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column5728_6ef2ea-f7{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column5728_6ef2ea-f7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5728_6ef2ea-f7\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79, .wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79[data-kb-block=\"kb-adv-heading5728_1ffa31-79\"]{padding-top:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79[data-kb-block=\"kb-adv-heading5728_1ffa31-79\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_1ffa31-79[data-kb-block=\"kb-adv-heading5728_1ffa31-79\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_1ffa31-79 wp-block-kadence-advancedheading has-theme-palette-8-background-color has-background\" data-kb-block=\"kb-adv-heading5728_1ffa31-79\"><strong>Nota importante:<\/strong> Las wallets fr\u00edas como Ledger o Trezor, donde t\u00fa tienes las claves privadas, t\u00e9cnicamente no est\u00e1n \u00aben el extranjero\u00bb, por lo que la interpretaci\u00f3n actual es que no se declaran en el Modelo 721, aunque s\u00ed en el Impuesto sobre el Patrimonio si te corresponde. <a href=\"https:\/\/www.lasfinanzaspersonales.org\/post\/guia-fiscalidad-inversiones-espana-2026\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75, .wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75[data-kb-block=\"kb-adv-heading5728_c13eec-75\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75[data-kb-block=\"kb-adv-heading5728_c13eec-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_c13eec-75[data-kb-block=\"kb-adv-heading5728_c13eec-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_c13eec-75 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_c13eec-75\">C\u00f3mo se calcula la ganancia o p\u00e9rdida: el m\u00e9todo FIFO<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e, .wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e[data-kb-block=\"kb-adv-heading5728_eefe79-0e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e[data-kb-block=\"kb-adv-heading5728_eefe79-0e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_eefe79-0e[data-kb-block=\"kb-adv-heading5728_eefe79-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_eefe79-0e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_eefe79-0e\">Para quien no lo conozca, el m\u00e9todo FIFO (<em>First In, First Out<\/em>) es el criterio que obliga a aplicar Hacienda en Espa\u00f1a cuando vendes criptomonedas. Significa que cuando vendes, se considera que est\u00e1s vendiendo primero las unidades que compraste antes, en orden cronol\u00f3gico.<br><br>Esto tiene implicaciones directas en el resultado fiscal. Si compraste 1 Bitcoin en 2021 a $30.000 y otro en 2024 a $70.000, y ahora vendes uno a $74.000, Hacienda considerar\u00e1 que vendiste el de 2021. Tu ganancia computable ser\u00eda de $44.000, no de $4.000. Un error en la casilla equivocada, una omisi\u00f3n de un wallet en el extranjero o una mala aplicaci\u00f3n del m\u00e9todo FIFO pueden desencadenar sanciones que superan, en ocasiones, el propio beneficio obtenido. <a href=\"https:\/\/alvamarconsultores.com\/declarar-criptomonedas-en-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f, .wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f[data-kb-block=\"kb-adv-heading5728_a7f178-0f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f[data-kb-block=\"kb-adv-heading5728_a7f178-0f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_a7f178-0f[data-kb-block=\"kb-adv-heading5728_a7f178-0f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_a7f178-0f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_a7f178-0f\">Las sanciones: lo que te puede costar el descuido<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13, .wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13[data-kb-block=\"kb-adv-heading5728_a99bc2-13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13[data-kb-block=\"kb-adv-heading5728_a99bc2-13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_a99bc2-13[data-kb-block=\"kb-adv-heading5728_a99bc2-13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_a99bc2-13 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_a99bc2-13\">No declarar correctamente no es solo un error t\u00e9cnico. Las consecuencias econ\u00f3micas son muy concretas. Las sanciones van desde el 50% hasta el 150% de la cuota dejada de ingresar, m\u00e1s intereses de demora. <a href=\"https:\/\/alvamarconsultores.com\/declarar-criptomonedas-en-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5, .wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5[data-kb-block=\"kb-adv-heading5728_c26eb3-f5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5[data-kb-block=\"kb-adv-heading5728_c26eb3-f5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_c26eb3-f5[data-kb-block=\"kb-adv-heading5728_c26eb3-f5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_c26eb3-f5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_c26eb3-f5\">Para contextualizar: si dejaste de declarar una ganancia de 10.000 euros, el impuesto que deber\u00edas haber pagado ronda los 1.900 euros (al tipo del 19% en el primer tramo del ahorro). La sanci\u00f3n sobre esos 1.900 euros puede ir de 950 euros a 2.850 euros, a lo que se suman los intereses. Una factura muy superior a lo que habr\u00eda costado declararlo bien desde el principio.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22, .wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22[data-kb-block=\"kb-adv-heading5728_f2ce1e-22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22[data-kb-block=\"kb-adv-heading5728_f2ce1e-22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_f2ce1e-22[data-kb-block=\"kb-adv-heading5728_f2ce1e-22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_f2ce1e-22 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_f2ce1e-22\">Los errores m\u00e1s frecuentes, resumidos<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3, .wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3[data-kb-block=\"kb-adv-heading5728_d62715-f3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3[data-kb-block=\"kb-adv-heading5728_d62715-f3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_d62715-f3[data-kb-block=\"kb-adv-heading5728_d62715-f3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_d62715-f3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_d62715-f3\">Para terminar, un repaso r\u00e1pido a los fallos que se repiten a\u00f1o tras a\u00f1o entre los inversores espa\u00f1oles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No declarar las p\u00e9rdidas<\/strong> por considerar que no es necesario si no hay ganancias. Es el error m\u00e1s costoso a largo plazo.<br><\/li>\n\n\n\n<li><strong>No declarar los intercambios crypto-to-crypto<\/strong>, pensando que solo cuenta cuando se convierte a euros.<br><\/li>\n\n\n\n<li><strong>Olvidar las comisiones<\/strong>: las gas fees y comisiones de exchange son gastos deducibles del valor de venta. En operativas de alta frecuencia y DeFi, estas comisiones pueden sumar miles de euros deducibles. <a href=\"https:\/\/alvamarconsultores.com\/declarar-criptomonedas-en-espana\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><br><\/li>\n\n\n\n<li><strong>Confirmar el borrador sin revisarlo<\/strong>: muchos inversores digitales tratan el borrador como definitivo, cuando puede no reflejar rendimientos de plataformas extranjeras, criptomonedas o cuentas en fintech. <a href=\"https:\/\/www.finect.com\/usuario\/eduardogarcia\/articulos\/inviertes-en-criptos-o-plataformas-digitales-evita-estos-6-errores-en-la-renta-para-no-pagar-de-mas\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><br><\/li>\n\n\n\n<li><strong>No presentar el Modelo 721<\/strong> cuando se tienen m\u00e1s de 50.000 euros en plataformas extranjeras.<\/li>\n<\/ul>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6, .wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6[data-kb-block=\"kb-adv-heading5728_8eed38-b6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6[data-kb-block=\"kb-adv-heading5728_8eed38-b6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_8eed38-b6[data-kb-block=\"kb-adv-heading5728_8eed38-b6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5728_8eed38-b6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_8eed38-b6\">Conclusi\u00f3n<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea, .wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea[data-kb-block=\"kb-adv-heading5728_728a47-ea\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea[data-kb-block=\"kb-adv-heading5728_728a47-ea\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_728a47-ea[data-kb-block=\"kb-adv-heading5728_728a47-ea\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_728a47-ea wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_728a47-ea\">El mercado crypto de 2025 fue, para muchos inversores espa\u00f1oles, un a\u00f1o de p\u00e9rdidas. La buena noticia es que esas p\u00e9rdidas tienen valor fiscal real y pueden reducir significativamente la factura tributaria de los pr\u00f3ximos cuatro a\u00f1os, si se gestionan correctamente. La mala noticia es que ese valor desaparece si no se declaran a tiempo.<br><br><strong>Hacienda ya tiene los datos.<\/strong> Los exchanges ya informan de forma autom\u00e1tica. El margen para el error no intencionado se ha reducido dr\u00e1sticamente. En este contexto, declarar bien no es solo una obligaci\u00f3n legal: es, sencillamente, la decisi\u00f3n financiera m\u00e1s inteligente que puede tomar un inversor en criptomonedas en Espa\u00f1a en 2026.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64, .wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64[data-kb-block=\"kb-adv-heading5728_23d579-64\"]{font-size:11px;font-style:normal;color:#718096;}.wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64[data-kb-block=\"kb-adv-heading5728_23d579-64\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5728_23d579-64[data-kb-block=\"kb-adv-heading5728_23d579-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5728_23d579-64 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5728_23d579-64\"><em>Aviso legal: Este art\u00edculo tiene fines exclusivamente informativos y no constituye asesoramiento financiero ni recomendaci\u00f3n de inversi\u00f3n. La inversi\u00f3n en criptomonedas conlleva un alto nivel de riesgo. Consulta siempre con un profesional cualificado antes de tomar decisiones de inversi\u00f3n.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La campa\u00f1a de la Renta 2026 est\u00e1 en marcha. Entre abril y junio, millones de espa\u00f1oles deben regularizar lo que ganaron \u2014y lo que perdieron\u2014 el a\u00f1o pasado. Y en el universo de las criptomonedas, hay un error que se repite con una frecuencia alarmante: no declarar las p\u00e9rdidas. No por mala fe, sino por&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[30],"tags":[],"class_list":["post-5728","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El error fiscal que comete el 70% de los inversores crypto en Espa\u00f1a: no declarar las p\u00e9rdidas - Exchange Selector<\/title>\n<meta name=\"description\" content=\"El 70% de los inversores crypto en Espa\u00f1a comete el mismo error fiscal: no declarar p\u00e9rdidas. 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