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Declaring crypto taxes in France is notoriously complex. You need to navigate the rules of the French Public Finances Directorate (DGFiP), calculate your plus-values according to Article 150 VH bis, and correctly generate Form 2086 and Form 3916-bis. With so many different tax tools available, how do you choose the right one for France?
You don't have to compromise. This article compares all major services. Lets get started!
Quick Comparison
| Feature | Divly | Koinly | Cointracker | Cointracking | Blockpit | Waltio |
|---|---|---|---|---|---|---|
| User Experience | Simple & Guided | Complex | Complex | Very Complex & Dated | Complex & Feature-Heavy | Simple but Manual |
| Transaction accuracy | ✅ High | 🚫 Low | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium |
| Service in French | ✅ Yes | 🚫 No | 🚫 No | ⚠️ User-Translated | 🚫 No | ✅ Yes |
| Generates French forms (2086, 3916 bis)? | ✅ Yes | ✅ Yes | 🚫 No | 🚫 No | 🚫 No | ✅ Yes |
| Automatic integration French exchanges | ✅ Yes | ⚠️ Limited | 🚫 No | ⚠️ Limited | 🚫 No | ✅ Yes |
| French Customer Support | ✅ Yes (Human French Experts) | 🚫 No | 🚫 No | ⚠️ Limited (AI & Generalist) | ⚠️ Limited (AI-Bot & Generalist) | ✅ Yes |
| Pricing Model | ✅ Pay-per-Year (EUR) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year + all previous | ⚠️ Pay-per-Year + Sub. (EUR) | ✅ Pay-per-Year (EUR) |
| Best for France | ✅ Yes (Built for France) | 🚫 No | 🚫 No | 🚫 No | 🚫 No | ⚠️ Good (but Limited) |
Who Are Divly?
Divly: The French specialist built for simplicity and scalability. Perfectly handles French taxes (Forms 2086, 3916-bis, Art. 150 VH bis) while also covering 85% of Europe. Offers fair Euro pricing and expert support in French, English, German, etc. The only future-proof choice.
What is Koinly?
Koinly: The big generalist. They are known for their large list of integrations with blockchains and exchanges globally. Their philosophy is to offer the broadest possible coverage, making it a popular choice for full-time traders and investors with assets spread across the globe.
What is Cointracker?
Cointracker: The US Generalists. Built for the American IRS, not the DGFiP. They DO NOT generate French forms, provide generic CSVs, require complex manual work, and charge in unpredictable USD. Risky and unsuitable for France.
What is Cointracking?
Cointracking: The old pioneer (Germany, 2012). Does not generate the K4 form (only generic report), has an outdated/complex UI, and uses a costly cumulative pricing model. Offers general German/English support.
What is Blockpit
Blockpit: The Trader's Tool (Austria). It DOES NOT generate French forms, has a complex UI, fragmented pricing (license + subscription), and no specialized French support.
What is Waltio?
Waltio: The Niche Specialist (France). Excellent French compliance (AMF registered). Its critical flaw: It's a "dead-end" platform. It only supports France, Belgium, and Spain. If you ever move or need to file elsewhere (e.g., Germany), your account is useless.
User Experience:
Divly: Prioritizes a simple, guided experience ("crypto taxes without the headache"). The platform is built to prevent errors and get you to your finished French forms (2086, 3916-bis) with minimal friction and maximum confidence, even if you're not a tax expert. Follow Divly's French Guide here.
Koinly: Has focused heavily on integrations, potentially sacrificing user experience. Remains relatively complex, especially when needing to manually adapt its generic output for French forms
Cointracker: Does not support France meaningfully.
Cointracking: Suffers from a very complex and outdated interface (founded 2012). Navigating its features to extract data for manual French reporting is cumbersome.
Blockpit: Is designed for active traders, with a data-heavy interface and tools unnecessary for the average French investor just trying to file Forms 2086/3916-bis.
Waltio: Offers a simple UX tailored to France, but user guides emphasize tools for manually finding and fixing transaction errors, suggesting a potentially more labour-intensive process than Divly's automated approach.
Localized Expertise (French Forms, Language & Support)
Divly: Creates the official French forms (2086 & 3916-bis) required by the DGFiP and correctly applies Article 150 VH bis. The platform is fully in professional French, and support comes from French tax specialists plus experts in other languages (German, English, etc.) beneficial for expats.
Koinly: Fails on the most critical point if the forms and you get a generic report, which leaves you with the final step of manually applying the complex French formula and preparing the official Form 2086 yourself.
Cointracker: Fails completely for France. No French forms, no French language service or support.
Cointracking: Fails on French forms (generic report only). Its French translation is user-generated and unverified. Support lacks deep French expertise.
Blockpit: Fails for France. No French forms, no French language service or support.
Waltio: Offers excellent French compliance and forms automation, and French expert support. However, its expertise is regionally limited, and its support network doesn't cater as well to France's international community needing help in other languages like German. It lacks the proven broad expertise demonstrated by Divly across multiple complex tax systems.
French Integrations & Accuracy
Divly: Beyond integrations with major exchanges (Binance, Coinbase etc.), Divly prioritizes high-quality connections with exchanges relevant to French users such as Ledger or Finary, ensuring high transaction accuracy. Free guides enhance user accuracy further.
Koinly: Supports major global exchanges but may have limited or less maintained integrations for France-specific platforms. Accuracy is often low, requiring manual corrections.
Cointracker: Focuses on US exchanges. Support for French exchanges is unlikely. Accuracy for French users is lower.
Cointracking: Has broad global exchange support but limited specific focus on French platforms. Accuracy is medium.
Blockpit: Focuses on exchanges popular in the DACH region. Integration with French exchanges is unlikely. Accuracy for French users is lower.
Waltio: Naturally has good support for French exchanges. Accuracy is generally considered good but may require manual adjustments as per their guides.
Pricing
Divly: Uses a Fair & Simple pay-per-year model priced clearly and predictably in Euros (€). One price includes all features. See Divly’s pricing here.
Koinly: Uses USD pricing. Final cost in Euros is unpredictable due to exchange rates and bank fees. Simple pay-per-year model otherwise.
Cointracker: Uses USD pricing, creating the same unpredictability and extra fees for French users. Simple pay-per-year model otherwise.
Cointracking: Employs a Cumulative Penalty model. You pay for your entire transaction history every single year, making it progressively more expensive than Divly.
Blockpit: Uses a Fragmented Subscription model (annual license + separate monthly fee for full features). Confusing and potentially costly.
Waltio: Uses a Fair & Simple pay-per-year model in Euros (€), similar to Divly.
Conclusion: Divly Is The Best Service for Crypto Tax in France
Although Koinly has added K4 support, it cannot match Divly's advantages: being built in Sweden, for Sweden, by Swedish experts, with fair SEK pricing and a unique focus on making the Swedish tax process simple. The US-centric tools (Koinly, Cointracker), the old tool (Cointracking), the trader tool (Blockpit), and the niche tool (Waltio) all have significant disadvantages for Swedish users.
Don't settle for generic reports, USD pricing, or tools not built for you. Choose the Swedish expert Divly.
