Markets: what differs by country
Which country-specific rules Assetli knows, for which countries they are verified, what decides which market applies, and where the app deliberately says nothing.
Last updated: October 2, 2026
Language, currency and market are three independent settings. This page is about the third one: the country whose rules apply to a given piece of data. The rule the app follows everywhere is that a wrong national rule is worse than none, so where a market is not verified the app shows the gap instead of the Czech default.
What decides the market
| Feature | Market taken from |
|---|---|
| Holding-period test for stocks and crypto | Your market in Settings (tax residence) |
| Holding-period test for a property | The country of the property’s address |
| Energy price watch, utility prices | The country of the property |
| Statement import | The bank you choose |
| Fuel and electricity prices in the vehicle calculator | Your market in Settings |
| Property check registers | The country of the listing |
Holding-period tests for investments
The app tracks how long you have held a position against the test of your market and shows the threshold with a link to the authority. It never computes tax amounts outside the Czech market. Three states exist: tracked (the rule is verified and followed), none (verified that no test exists), unknown (no verified data, nothing is claimed).
| Market | Stocks and ETFs | Crypto |
|---|---|---|
| Czech Republic | 3 years, plus an annual exemption limit; potential tax shown | 3 years |
| Slovakia | 1 year | 1 year, after which a lower rate applies rather than an exemption |
| Germany | none: a flat withholding tax applies since 2009 | 1 year |
| Austria | none | none |
| France | none | none |
| Poland | none | none |
| Spain, Italy, United Kingdom, Netherlands, Belgium, Switzerland | unknown | unknown |
Each rule carries the date it was last verified and the source it comes from; both are shown in the app.
Holding-period tests for property
A bare holding period is only half of the rule for a home: in most of these markets an exception for a property you lived in overrides it. The app applies the exception where the rule is verified.
| Market | Period | Own-residence exception |
|---|---|---|
| Czech Republic | 5 years; 10 years for purchases from 2021 | yes |
| Slovakia | 5 years | not in the registry, so not applied |
| Germany | 10 years | yes |
| Austria | no fixed period; the main-residence exemption decides | yes |
| France | 22 years for income tax, 30 years for social levies | yes |
| Poland | 5 years | not in the registry, so not applied |
Energy price watch
Official price lists are collected and the comparison against your contract is switched on per market.
| Market | Comparison |
|---|---|
| Czech Republic | live |
| France | live |
| United Kingdom | live |
| Germany | live |
| Italy | live |
| Spain | live |
| Poland | live |
Statement formats by country
Czech Republic: dedicated CSV parsers for Air Bank, Raiffeisenbank and UniCredit; other banks through GPC/ABO, camt.053 or smart CSV detection. Slovakia: camt.053 and GPC/ABO. Eurozone and Switzerland: camt.053, often MT940 as well. Poland: MT940, Elixir and smart CSV detection. National formats: Norma 43 (Spain), CFONB 120 (France), CBI (Italy) and CODA (Belgium). United Kingdom, United States and Canada: OFX / QFX and QIF. Any other bank: smart CSV detection, Excel or PDF, or manual or AI column mapping. An automated test verifies 203 bank export formats from 31 countries. Details in Statement formats.
Currency
Each market suggests a currency (CZK, EUR, PLN, GBP, CHF), but the display currency is your choice in Settings and every record keeps the currency it was entered in.
What Assetli never does
- Never applies a Czech rule to a foreign address or portfolio because the market is unknown.
- Never computes tax amounts, rates or contributions outside the Czech market.
- Never states a legal conclusion; it shows the threshold, the source and the date, and links to the authority.