SMSFs

Crypto + SMSF: Supercharge Your Retirement (Safely)

Yes - you can hold cryptocurrency in your Self-Managed Super Fund (SMSF)!

And while the world of digital assets opens up exciting new possibilities for your retirement portfolio, it also comes with important responsibilities.

We unpack the key compliance requirements, risks, and best practices to help you stay on the right side of superannuation regulations.

Our in-depth SMSF crypto resources are available only to SMSF Shield members – join today and give your retirement strategy the protection it deserves.

Get clear on SMSF crypto essentials.

You'll learn how to:

Protect your fund by confidently navigating the crypto landscape as an SMSF trustee.
Stay compliant with clear, practical steps that align with ATO rules.
Avoid costly mistakes by keeping personal and SMSF assets completely separate.
Save time with insights and shortcuts based on real experience.
Follow a proven roadmap for managing crypto safely within your SMSF.

Access the full audit-ready templates and checklists with SMSF Shield

The Compliance Roadmap for SMSF Crypto Trustees

1. Getting SMSF Crypto Right: Compliance, Law & Strategy

Cryptocurrency investments by SMSFs are perfectly legal, but they don’t sit in a vacuum. Every trade, wallet, and decision must line up with the Superannuation Industry (Supervision) Act 1993 (SIS Act)...

2. ATO Guidance on Crypto: What You Need to Know

The Australian Taxation Office (ATO) has been crystal clear on one thing, if your SMSF holds cryptocurrency, the same tax and compliance rules apply as they do for every other...

3. Audit and Valuation of Assets

Every SMSF must be audited once a year by an ASIC-approved SMSF auditor. For traditional funds, this is a fairly standard process where property valuations, share registries, and bank statements...

4. Crypto Tax Software Review: Tracking your Portfolio

If you’re running crypto inside an SMSF, the hard part isn’t pressing “buy”, it’s keeping the records straight. This guide is an extensive review of four leading global crypto tax...

5. Storage Security: Keeping Fund Assets Safe

When it comes to SMSF crypto, security isn’t a box you tick once – it’s a system you build and maintain. That’s why we’ve broken it down into three core...

6. Operational Safeguards: Secure Access to Devices and Accounts

When an SMSF decides to hold crypto, the conversation usually starts with the exciting bits, such as which assets to buy, which exchange has the cleanest reporting, whether the investment...

7. SMSF Crypto Risk Management: Backup and Recovery

When it comes to SMSFs holding crypto, backups aren’t just about peace of mind, they’re about survival. Lose a seed phrase, damage a wallet, or fail to plan for a...

8. SMSF Trustees: Individual vs Corporate for Holding Crypto

When you set up an SMSF, one of the earliest and most important choices you’ll make is the trustee structure. Do you appoint the members themselves as individual trustees, or...

9. SMSF Compliant Exchanges: What We Use and Why

Choosing the right exchange for your SMSF isn’t just about finding the lowest fees or the biggest list of tokens. It’s about compliance, auditability, and security. Every dollar that flows into...

10. Insurance for SMSF Crypto Assets: What Trustees Need to Consider

When your SMSF holds crypto, one question keeps bubbling up, can I insure this stuff? With shares, your broker is regulated, custody sits with CHESS, and losses are rare. With cash,...

11. Succession Planning for SMSFs holding Crypto

An SMSF is only as strong as the people who run it. Trustees call the shots, sign the paperwork, and in the case of crypto literally hold the keys. That...

12. Your SMSF Crypto Toolkit: Download Ready-to-Use Templates

To make things simple, we’ve pulled together every checklist, template, and resource mentioned throughout the series into one easy reference table. You can grab the individual downloads linked to each...

Staking + SMSFs: Compliance and Counterparty Risk

August 29, 2025

Staking allows cryptocurrency holders to earn rewards for helping secure a blockchain network. For SMSFs, however, the way staking is implemented is critical. The ATO and auditors will closely assess...

Crypto Compliance Traps Catching SMSF Trustees

June 24, 2025

Adding cryptocurrency to a Self-Managed Super Fund (SMSF) is exciting – but it’s also loaded with compliance hurdles. The ATO allows it, but only if trustees follow the same legal framework...

How to Buy Crypto Using Your SMSF

June 17, 2025

Thinking about using your SMSF to buy crypto? You’re not alone. Crypto is one of the fastest growing assets trustees are adding to their SMSFs, but the rules are tight,...

SMSFs and Crypto: Why More Trustees Are Exploring Digital Assets

June 10, 2025

Australia’s superannuation landscape is shifting. What was once a cautious space dominated by shares, term deposits, and cash is now seeing trustees actively explore digital assets like Bitcoin. The trend...

Caleb & Brown + SMSF

Caleb & Brown is a bespoke crypto brokerage – not an exchange – offering personalised service, large-trade execution, and strong support for SMSFs. It’s particularly well-suited for funds that: Want...

Coinspot + SMSF

CoinSpot is a full-featured, trusted Australian exchange with dedicated support for SMSFs – making it one of the top local choices for SMSF-managed crypto. It offers a broad asset range,...

BTC Markets + SMSF

BTC Markets stands out as one of Australia’s most trusted, regulated, and SMSF-compatible exchanges—offering strong security, clear tax reporting, and dedicated onboarding. It can serve as a compliant platform for...

Independent Reserve + SMSF

Independent Reserve is a reliable, well-regulated Australian exchange with tailored features for SMSF trustees, including onboarding, reporting capabilities, security credentials, and strong governance. While it supports fewer cryptocurrencies compared with...

Swiftx + SMSF

Swyftx is one of the most popular Australian exchanges for both retail and SMSF trustees thanks to its ease of use, wide asset range, and built-in tax reporting tools. Best...

Kraken + SMSF

Kraken is a highly secure, global exchange with deep liquidity and a strong compliance reputation. For SMSFs, its strengths include advanced security features, a strong international standing, the ability to...

Binance + SMSF

Binance is the largest crypto exchange globally, offering low fees, unmatched liquidity, and advanced features. However, for SMSFs in Australia, it comes with significant drawbacks: AUD services are currently suspended....

Koinly: A Global Giant with Strong SMSF Aussie Reporting

Australian SMSF trustees and accountants were among Koinly's early adopters, attracted by the ability to create clean myTax import files, track year-end balances, and reconcile trading activity across multiple exchanges. Its...

CoinTracking: For Managing Large SMSF Portfolios with Deep Analytics

Established in Munich in 2012, CoinTracking is one of the earliest crypto portfolio and tax reporting platforms. Initially built as a portfolio tracker for Bitcoin enthusiasts, it expanded into a...

Crypto Tax Calculator: For Australian SMSFs Needing Local Compliance

An Australian-founded crypto tax software platform, CryptoTaxCalculator (CTC) launched in 2018 by brothers Shane and Tim Brunette. Unlike older tools that originated in Europe or the US, CTC was designed...

ZenLedger: For SMSFs Wanting a Simple Interface with US Roots

A US-based cryptocurrency tax software platform, ZenLedger was founded in 2017 by Pat Larsen and Bryan Starbuck. ZenLedger is headquartered in Bellevue, Washington, it originally focused on simplifying crypto reporting...

DISCLAIMER: All information on Be Crypto Safe is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on Be Crypto Safe is appropriate to you before acting on it. These materials are for general information purposes only and are not investment advice or a recommendation or solicitation to buy, sell, stake, or hold any crypto asset or to engage in any specific trading strategy. Be Crypto Safe makes no representation or warranty of any kind, express or implied, as to the accuracy, completeness, timeliness, suitability or validity of any such information and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.

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