Meet in person, exchange cash for XMR. No digital trail on either side. Available in SW Germany and Rhine-Main:
Use Haveno escrow for protection. Meet in public places. Full safety guide.
Send EUR in a registered letter (Einschreiben). Receive XMR to your wallet. Works anywhere in Germany and the EU. Deutsche Post tracking provides proof of delivery. Complete guide.
Haveno is a decentralized P2P exchange with 2-of-3 multisig escrow. No accounts, no KYC. Payment via SEPA bank transfer, cash by mail, or other methods. Two networks: RetosSwap and DawnSwap.
Use Trocador.app to swap BTC or other crypto for XMR. Aggregates 30+ no-KYC exchangers. Also: MajesticBank, TradeOgre, ChangeNow (risk-based KYC on large amounts).
| Scenario | Tax Treatment |
|---|---|
| Hold XMR > 1 year, then sell | Tax-free (private Veraeusserungsgeschaeft, §23 EStG) |
| Sell within 1 year, profit < €600 | Tax-free (Freigrenze) |
| Sell within 1 year, profit > €600 | Income tax on full profit (not just amount above €600) |
| Mining income | Income tax at time of receipt + trade tax if commercial |
| Spending XMR for goods | Same as selling (triggers capital gain if within 1 year) |
Note: Germany's 1-year tax exemption is one of the most favorable crypto tax rules in the world. Full tax guide.
Since 2023, most EU-accessible exchanges have delisted Monero:
This is driven by EU anti-money laundering regulation, not German law. Monero itself remains fully legal in Germany. The delistings make P2P trading the de facto standard for EUR↔XMR.
I'm arnoldnakamura — a P2P XMR/EUR trader based in SW Germany. 683 trades, 454 partners, 100% feedback (previously chingchongfalung on LocalMonero/AgoraDesk, archived proof).
Face-to-Face: Frankfurt, Stuttgart, Mannheim, Heidelberg, Karlsruhe, Freiburg, Strasbourg.
Cash by Mail: EU-wide (Einschreiben recommended).
Premium: 10% over market price.