Filing in Finland? Divly follows Vero's own instructions for OmaVero, year by year. Coinpanda is a portfolio tracker with a general gains report on the side.
Both tools import your exchanges and wallets and work out your gains. Coinpanda is built around watching a portfolio, with a general tax report; Divly is built around the Finnish return. Divly is also an official partner of the three Finnish crypto exchanges: Coinmotion, Northcrypto and Kvarn X.
DivlyFinnish return
CoinpandaPortfolio
DivlyCoinpanda| Criterion | Divly | Coinpanda |
|---|---|---|
| App in Finnish | Yes | No; English app, Finnish website |
| Support in Finnish | Yes, chat on weekdays | Not stated; chat, email, Discord and forum |
| Finnish tax report | Bilingual and built on Vero's MyTax instructions: a per-currency format for tax year 2025 and earlier, the Finnish/foreign format for 2026; other capital income; mining as earned income | The general "Complete Tax Report"; country forms exist for Sweden (K4) and Norway (RF-1159B), not Finland |
| Finnish vs foreign services (tax year 2026) | Yes | No |
| Attachment for OmaVero | Yes: the yearly transaction list, one line per sold lot | Yes: its PDF tax report |
| Deemed acquisition cost | Yes, compared with the real cost on every sale; 20 % or 40 % | Not applied |
| Cost-basis methods | FIFO as Vero applies it, across all wallets or per wallet | FIFO default; LIFO, HIFO, average cost; wallet-based tracking available |
| Coinmotion / Northcrypto / Kvarn X | File / API or file / File; official partner of all three | CSV / not listed / not listed |
| Integrations | 200+ | 900+ |
| Pricing | Per tax year: €39 (100 transactions), €99 (1,000), €199 (10,000), €399 (100,000) | Per year, counting the previous calendar year's transactions, every tax year included: $79 (100), $149 (1,000), $289 (3,000), $499 (20,000) |
| Free plan | Yes: import and review for free, pay for the tax report | Yes: import and review for free, pay for the tax report |
| Finland guide | Kept current; walks through each OmaVero screen | Marked "Updated 2022" |
| Expert help | Peace of Mind, from €99: an expert reviews your account and tells you what to fix. Full Service, from €599: an expert does it all for you, previous years included. Both include the tax report. Peace of Mind · Full Service | Not offered |
Vero lets you deduct 20 % of the selling price (40 % after 10 years) instead of the real cost whenever that gives a lower gain. The choice is made sale by sale, so with hundreds of sales it adds up.
DivlyPicks the lower gain on every sale and shows what it savedCoinpandaExplains the rule in its guide; the product does not apply it
Vero's MyTax page explains exactly how to declare crypto, and the instructions changed for tax year 2026. OmaVero takes gains and losses as entries, with the transaction list attached.
DivlyFollows the instructions step by step, with a separate format for 2025 and earlier and for 2026CoinpandaThe same general report it gives most countries, in English
From tax year 2026, Finnish exchanges (Coinmotion, Northcrypto, Kvarn X) report their own tax calculations to Vero, and OmaVero asks for them separately from foreign exchanges and wallets, so the same sales are not declared twice. An exchange only sees its own history: coins moved in from elsewhere arrive without a known purchase price, which tends to overstate the gain.
DivlyGroups them the way OmaVero asks and tracks transfers to, from and between the Finnish exchanges, so you can check what they reported and correct itCoinpandaNot split; you separate them and check the exchanges' figures yourselfCoinmotionFile, partnerCSVNorthcryptoAPI or file, partnerNot listedKvarn XFile, partnerNot listedDivly is an official partner of all three. We give them feedback on their transaction exports and update our imports together with them whenever an export changes.
For tracking a portfolio, yes. For a Finnish return it has no Finland-specific report, no deemed acquisition cost, no 2026 Finnish/foreign split, no Northcrypto or Kvarn X import, and a Finland guide marked "Updated 2022".
No. Divly applies it automatically on every sale.
Divly charges per tax year. Coinpanda charges per year, based on the previous calendar year's transactions, with every tax year included. Side by side:
Yes. Export the CSV from Coinpanda and import it, or connect your exchanges and wallets directly.
Yes. From tax year 2026, Finnish exchanges such as Coinmotion, Northcrypto and Kvarn X report tax calculations for their customers to Vero, and OmaVero asks you to declare Finnish and foreign services separately. Keeping the two apart stops you declaring the same sales twice. An exchange can only see its own history, though: coins you moved in from another exchange or wallet arrive without a known purchase price, so its calculation often overstates the gain, and with it your tax. Divly works with the Finnish exchanges and follows transfers to, from and between them, so you can compare what the exchange reported with what Divly calculates and correct your declaration. You still file your own return; Vero now knows the figures the Finnish exchanges reported, so your return should explain any difference.
No. Both give you figures to enter in OmaVero. Divly follows Vero's MyTax instructions for each tax year and gives you the attachment Vero asks for.
Import for free, check the figures, pay per tax year. Or see the full Finland comparison.
