Luno has featured Coinfig in its newsroom article, Five crypto checks before 22 January, pointing customers to coinfig.tax to prepare their crypto tax reports.
It's a big moment for us. We built Coinfig to help people make sense of their crypto transaction history, and we're proud to see Luno introduce that work to its customers.
What Luno says about Coinfig
In the article, published on 3 November 2026, Luno writes:
“Through our partnership with coinfig.tax, you can connect your Luno account with a read-only key.”
Luno describes how customers can import their transactions into Coinfig, calculate gains, losses and income, and download a report to help prepare their return.
The article offers a free report to Luno customers with fewer than 1,000 lifetime transactions and fewer than five data sources. T&Cs apply. These eligibility conditions are stated in Luno's article.
Start with your Luno history
Our Luno connection guide walks through connecting with a read-only API key or exporting your transaction history. If you've also used other exchanges or your own wallets, include those records so purchases and transfers can be matched across accounts.
Luno's feature also sets out five checks before filing: the tax year, swaps and sales, acquisition costs, fees and losses, and supporting records. Here are a few practical ways to follow through on those checks.
Confirm which deadline applies to you
SARS lists 22 January 2027 as the filing deadline for provisional taxpayers. The ordinary deadline for non-provisional individuals was 23 October 2026. Holding crypto doesn't automatically give you until January to file.
If you missed your applicable deadline, address the overdue return promptly. If you're unsure whether you're provisional, check with a registered tax practitioner. Our provisional tax article explains the distinction between your annual return and the estimates and payments made during the year.
Select the return year before importing a report
The 2026 individual tax year covers 1 March 2025 to 28 February 2026. A transaction in November 2026 belongs to the following tax year, even though you're preparing the earlier return now.
You may still need older purchase records to calculate a disposal within the return year. Suppose you bought bitcoin in 2024 and sold it in December 2025. The sale belongs in your 2026 calculation, but its acquisition evidence comes from an earlier period. Importing only the year's sales can leave that cost unexplained.
Review transactions that didn't reach your bank account
Check swaps and crypto payments alongside sales for rand. A disposal can happen while the proceeds stay entirely in crypto. Keep the transaction date, quantities and supporting rand valuation so you can explain the calculation later.
Separate transfers between accounts you own from trades. When you send coins from Luno to your own wallet, preserve both sides of the transfer. Otherwise, a later sale from that wallet can appear disconnected from its purchase.
Rewards and other crypto receipts also need attention. SARS's crypto tax guidance explains that normal tax rules apply and that the facts determine whether amounts are revenue or capital in nature. Discuss uncertain classifications with your practitioner before relying on the totals.
Investigate missing costs, fees and losses
A missing purchase price deserves investigation. Search earlier exchange exports, transaction confirmations and wallet records before accepting an unexplained cost in your calculation.
For capital assets, SARS explains which acquisition and disposal expenses can form part of base cost. Keep fee evidence and check that an import hasn't counted the same expense twice. Revenue treatment follows different deduction rules.
Include losing disposals in your review too. Whether a loss can be used, and against which gains or income, depends on its classification and the applicable restrictions. A fall in the value of coins you still hold is different from a realised loss.
Build a report you can explain
Bring together the history from every exchange and wallet involved, then review missing purchases, unmatched transfers and uncertain valuations before exporting. Keep your original records alongside the report so you can trace a total back to individual transactions.
Use the finished report to support your return and your conversation with a practitioner. Our ITR12 guide explains the next step. Check any auto-assessment against your records rather than assuming it already includes your crypto activity.
This article provides general information, not personalised tax advice. Your obligations and the treatment of transactions depend on your circumstances. Consult a registered tax practitioner where needed.