BTC$76,886+1.5% ZEC$319.07+0.9% XMR$384.85+8.8% DASH$36.19+5.4% FIRO$0.7823+0.9% ARRR$0.1925+2.2% BEAM$0.0201-3.0% GRIN$0.0370-2.9% IRON$0.0607-11.0% SCRT$0.1103-4.8% NIGHT$0.0372+3.8% ZCSH$22.01-2.18% CYPH$0.8158-6.09% EZRA$0.1890-1.56% BTC$76,886+1.5% ZEC$319.07+0.9% XMR$384.85+8.8% DASH$36.19+5.4% FIRO$0.7823+0.9% ARRR$0.1925+2.2% BEAM$0.0201-3.0% GRIN$0.0370-2.9% IRON$0.0607-11.0% SCRT$0.1103-4.8% NIGHT$0.0372+3.8% ZCSH$22.01-2.18% CYPH$0.8158-6.09% EZRA$0.1890-1.56%
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France · Monero (XMR) · Updated 04.13.26

How to Buy Monero (XMR) in France

Monero is not available on regulated French exchanges.

Limited availability

MiCA, the EU's crypto rulebook, prohibits anonymous-transfer assets on licensed platforms, and French exchanges have either delisted Monero or never listed it. Holding Monero personally is legal in France, but buying it requires going off the licensed channel: atomic swaps, decentralized exchanges, or peer-to-peer marketplaces.

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What to know

French Monero buyers usually buy Bitcoin on a MiCA-licensed exchange, withdraw to self-custody, then atomic-swap to Monero. The French no-tax-on-crypto-to-crypto rule applies: the swap from Bitcoin to Monero does not trigger French tax. Tax only happens when you eventually convert back to euros or spend the Monero. Foreign exchange accounts and wallets used for the swap may still need to be declared on Formulaire 3916-bis.

Common questions

Is it legal to hold Monero in France?

Yes. Personal ownership is fully legal. The restriction is on what MiCA-licensed exchanges can offer, not on what French residents can hold.

How does a French resident buy Monero?

Most go through Bitcoin: buy BTC on a MiCA-licensed exchange, withdraw to self-custody, then atomic-swap to Monero through a non-custodial service.

Does the no-tax-on-crypto-to-crypto rule help with Monero?

Yes. The swap from Bitcoin to Monero is a crypto-to-crypto trade and does not trigger French tax. Only the eventual fiat exit does.

Will French banks block Monero-related activity?

Direct fiat-to-Monero is impossible because no licensed exchange offers it. Going through Bitcoin first usually avoids direct flags, but large or repeated transfers to peer-to-peer venues can attract bank scrutiny.

What records do I need to keep?

Track every step in euros: the cost of the Bitcoin purchase, the BTC value at the time of the swap, the amount of Monero received, and the eventual fiat sale price. The crypto-to-crypto step is not taxed but it still affects your cost basis.

Buy XMR without a regulated exchange

Regulated exchange access to Monero in France is limited. Acquire ZEC on a regulated exchange, then swap ZEC to XMR through ChangeNOW. The XMR lands in a wallet you control.

Swap ZEC to XMR on ChangeNOW
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Legal & regulatory detail

MiCA regulated, AMF and ACPR oversight. Legacy PSAN registration transitioning to MiCA CASP. CASP authorization deadline July 1, 2026.

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