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Declaring crypto taxes in Poland can feel like a unique headache. You have to wrestle with the rules of the National Revenue Administration (KAS), correctly apply the mandatory FIFO method, and generate accurate figures for your PIT-38 tax return. The market for tax tools is confusing; how do you choose the right one for Poland?
We can safely tell you that you don't need to worry. This article compares all crypto tax services to see which one suits you best. Let's get started!
Quick Comparison:
| Feature | Divly | Koinly | Cointracker | Cointracking | Blockpit | Waltio |
|---|---|---|---|---|---|---|
| User Experience | Simple & Guided | Complex | Complex | Very Complex & Dated | Complex & Feature-Heavy | Simple |
| Transaction accuracy | ✅ High | 🚫 Low | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium |
| Service in Polish | ✅ Yes | 🚫 No | 🚫 No | ⚠️ User-Translated | 🚫 No | 🚫 No |
| Generates Polish Reports (for PIT-38)? | ✅ Yes | 🚫 No | 🚫 No | 🚫 No | 🚫 No | 🚫 No |
| Integration Polish exchanges | ✅ Yes (e.g., Zonda) | ⚠️ Limited | 🚫 No | ⚠️ Limited | ⚠️ Limited | 🚫 No |
| Polish Customer support | ✅ Yes | 🚫 No | 🚫 No | ⚠️ Limited (AI & Generalist) | ⚠️ Limited (AI-Bot & Generalist) | 🚫 No |
| Pricing Model | ✅ Pay-per-Year ( zloty) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year + all previous (EUR) | ⚠️ Pay-per-Year + Sub (EUR) | ⚠️ Pay-per-Year (EUR) |
| Best for Poland | ✅ Yes (Built for Poland) | 🚫 No | 🚫 No | 🚫 No | 🚫 No | 🚫 No |
What is Divly?
Divly: The European specialist, built for simplicity and true compliance. Perfectly handles Polish taxes (PIT-38, FIFO) and offers expert Polish guides and support. It has fair Euro pricing and a modern, simple UX. 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.
What is Cointracker?
Cointracker: The US Generalists. Built for the American IRS. They DO NOT generate compliant Polish reports, provide generic CSVs, require complex manual work for KAS, and charge in unpredictable USD.
What is Cointracking?
The legacy pioneer (Germany, 2012). Does not generate Polish reports and has a dated/complex UI. Its Polish translation is unverified (crowdsourced), and it uses a costly cumulative pricing model.
What is Blockpit
Blockpit: The Trader's Tool (Austria). Does not generate Polish reports and has a complex UI built for traders, fragmented pricing (license + subscription), and relies on an AI-Bot for support.
What is Waltio?
Waltio: The Niche Specialist built with France in mind. Does not generate Polish reports and also lacks the customers support for Poland.
User Experience:
Divly: Is designed for simplicity. The platform guides users directly to their finished, correct Polish tax report with minimal steps, preventing errors. Divly also acts as an educational authority, with clear guides on complex topics like the full guide to PIT-38 settlement.
Koinly: Has focused heavily on integrations, sacrificing user experience. Its service remains complex, and its low accuracy means Polish users must spend extra time manually correcting transactions.
Cointracker: Does not support Poland.
Cointracking: Suffers from a very complex and outdated interface (founded 2012). It is powerful but has a steep learning curve, making the tax process much more difficult.
Blockpit: Is designed for active traders, with a data-heavy service and tools that are unnecessary for the average Polish investor who just wants to file their PIT-38.
Waltio: Does not support Poland.
Localized Expertise (Polish Reports, Language & Support)
Divly: It generates the correct, compliant figures for the PIT-38 and applies the mandatory FIFO method perfectly. The platform is fully in professional Polish, and support comes from human tax specialists. Read how to fix overdue PIT for crypto here.
Koinly: Fails on the most critical point. No Polish reports (generic CSV only). It forces complex manual work and offers no Polish-speaking support, so getting help for KAS-specific errors is impossible.
Cointracker: Does not support Poland.
Cointracking: Fails on the most critical point. No Polish reports (generic CSV only), and its Polish translation is user-generated and unverified, a major risk for official tax documents. Its support is AI/Generalist, lacking human Polish experts.
Blockpit: Fails on the most critical point. No Polish reports (generic CSV only), and its support relies on a generalist AI-Bot, not human Polish tax specialists.
Waltio: Does not support Poland.
Polish Integrations & Accuracy
Divly: Beyond its integrations with all major exchanges like Binance & Coinbase, Divly prioritizes high-quality automatic integrations with exchanges popular in Poland, like Zonda (formerly BitBay). This focus ensures high transaction accuracy for Polish users, which is essential for complex filings.
Koinly: Supports major global exchanges but has limited maintenance for Poland-specific platforms, does not have certain exchanges. Its accuracy is notoriously low, forcing users to manually correct many transactions.
Cointracker: Does not support Poland.
Cointracking: Has broad global exchange support but limited specific focus on Polish platforms. Its accuracy is medium at best.
Blockpit: Has broad support but focuses on DACH exchanges. Its specific support for Polish exchanges is limited, and accuracy is medium.
Waltio: Does not support Poland.
Pricing
Divly: Uses a simple pay-per-year model priced clearly and predictably in zloty. You only pay for transactions during the tax year you declare. See Divly’s pricing here.
Koinly: Uses USD pricing. The final cost in Złoty (PLN) is unpredictable due to daily exchange rate fluctuations and potential foreign transaction fees from your bank.
Cointracker: Does not support Poland.
Cointracking: Uses a cumulative model. This means you are forced to pay for your entire transaction history every single year, making it more expensive year after year.
Blockpit: Uses a subscription model and a pay-per-year model (annual license + separate monthly fee for full features). This is confusing and potentially more expensive than other alternatives.
Waltio: Does not support Poland.
Conclusion: Divly Is The Best Service for Crypto Tax in Poland
As no other software offers: official Polish tax documents, Polish service or Polish support, Divly is the clear and objectively best choice for investors in Poland.
Divly delivers the correct, compliant figures for your PIT-38 within a simple, guided user experience in Polish. Its authority is proven by its in-depth guides for both standard and overdue tax filings. Combined with its fair Euro pricing, high accuracy, and human expert support, Divly is the only platform that makes Polish crypto taxes simple and safe.
