Recap Review (2026)
Our verdict: 4.4 / 5
Recap is the crypto tax tool built specifically for the UK — and it shows. Where global rivals bolt UK rules onto an international product, Recap is designed around them: share-pooling, the Same-Day rule and the 30-day Bed & Breakfast rule are handled exactly as HMRC expects, and the output is Self Assessment-ready. It's also the most privacy-focused option we've tested, using client-side end-to-end encryption so your transaction data is encrypted before it ever leaves your browser. The honest caveats: that UK-first focus means it's not the tool for filers in other countries, its integrations list is smaller than Koinly's, and entry pricing from around £79 a year is a touch higher than some rivals' starting tiers. For UK users who want their tax done right — and kept private — it's our top specialist pick.
How it scores
👍 Pros
- UK-built and HMRC-specialist — built around UK rules, not bolted on
- Correctly applies share-pooling, Same-Day and 30-day Bed & Breakfast rules
- Privacy-first: client-side end-to-end encryption keeps your data encrypted
- Produces Self Assessment-ready reports you can hand to HMRC or an accountant
- Clean, focused interface aimed squarely at UK filers
- Clear, transparent calculations you can actually follow
👎 Cons
- UK-only focus — not the right tool if you file taxes elsewhere
- Smaller integrations list than Koinly, so some sources need manual import
- Entry pricing from ~£79/yr is a little higher than some rivals' starting tiers
How it compares
| Feature | Recap | Koinly | CoinTracking |
|---|---|---|---|
| Our score | 4.4 | 4.5 | 4.3 |
| UK rules built-in | Specialist | Yes | Yes |
| Privacy model | Client-side E2E encryption | Standard cloud | Standard cloud |
| Integrations | Focused UK set | Very broad | Broad |
| From price | ~£79/yr | Pay to download | Free up to 200 txns |
| Best for | UK + privacy | Most UK users | Detailed power users |
How we tested
We test a tax tool the way a real UK filer would use it. With Recap we'd import a multi-year history across several exchanges and wallets, then check the hard parts: that it pools assets correctly, applies the Same-Day and 30-day Bed & Breakfast matching rules, and handles transfers, staking and disposals the way HMRC expects. We'd hand-check a sample of gains calculations, generate a Self Assessment-ready report, and verify the privacy claim by confirming data is encrypted client-side before upload. Our scores weight tax accuracy and the soundness of UK accounting rules most heavily, then privacy, import coverage and usability. We pay for our own subscriptions and vendors don't influence our verdict.
FAQ
Does Recap handle the UK Same-Day and 30-day Bed & Breakfast rules?
Yes — this is exactly what Recap is built for. It applies share-pooling, the Same-Day rule and the 30-day Bed & Breakfast matching rule the way HMRC requires, which are the steps generic international tools most often get wrong. The result is a Self Assessment-ready report with calculations you can follow line by line.
How does Recap's privacy actually work?
Recap uses client-side end-to-end encryption, meaning your transaction data is encrypted in your own browser before it's uploaded — so Recap itself can't read your raw financial history. That's a meaningful step beyond the standard cloud model most tax tools use, and it's the main reason privacy-conscious UK users choose it.
Recap or Koinly for UK taxes?
Choose Recap if you want a UK-specialist tool that's privacy-first and built around HMRC rules from the ground up — it's our top pick for UK-only filers. Choose Koinly if you need the widest integrations list or file taxes in more than one country. Both produce solid UK reports; Recap goes deeper on UK-specific accuracy and privacy.