How N26 Crypto works (2024)

The market for crypto assets constitutes a high risk. Crypto assets are subject to high fluctuations in value — declines in value or a complete loss of the money spent are possible at any time. Past performance is not a reliable indicator of future performance.

N26 Crypto is powered by Bitpanda Asset Management GmbH (HRB 121696), licensed by the German Federal Financial Supervisory Authority and located at Friedrich-Ebert-Anlage 36, 60325 Frankfurt, Germany.

Manage and monitor both cash and crypto in one place—from your N26 app. No need to download a new app or make a new account to start trading crypto, just scroll down from your bank account to check it out.

Try N26 Crypto in your N26 app by following these steps:

• Tap the Finances tab and scroll to Trading
• Select Get started with crypto and browse the coins
• If you’re ready, hit Buy and sign up in just a minute

Tada — enjoy being a digital currency owner!

Crypto may seem like a tough nut to crack—but, as always, we’ve got your back.

We are in the process of rolling out N26 Crypto to eligible N26 customers within Germany and Switzerland. This rollout will be conducted in phases, so if you don’t see N26 Crypto in your app now, check back in several weeks. To access N26 Crypto, always make sure your N26 app is fully up to date. Please note that N26 Crypto will initially be available only to eligible customers to whom the terms and conditions of an N26 bank account in Germany or Switzerland apply.

Buying crypto doesn’t need to be costly. You only need €1 to get started with N26 Crypto, you’ll pay 1.5% in fees on Bitcoin and 2.5% on other cryptocurrencies.

With a Metal* account, you get a discount on trading fees — pay 1% for Bitcoin and 2% for other coins. Metal plans also come with a Mastercard made of stainless steel, comprehensive travel and tech insurance, and dedicated customer support via phone 7 days a week.

The N26 Metal crypto fee discounts only apply to trading amounts up to €5,000 (including fees on purchasing and excluding fees on selling crypto) per calendar month. Above this amount, regular fees apply. Please note that fees are always rounded up to the nearest full cent—to a maximum of one cent—which may lead to a slight increase of the fee percentage shown in an order preview).

The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.

Don’t forget that, unlike many crypto trading apps, the prices in the N26 app are in Euro.

The following limits apply to trading crypto on N26:

• A €50,000 limit on daily transactions by Personal customers
• A €100,000 limit on daily transactions by Business customers
• 200 trades within 24 hours, per user
• Users can only place buy and sell orders with a minimum of €1. This applies to all coins.

If you have some questions burning a hole in your pocket, view our Crypto page withFAQs.

We know our customers are looking for ways to streamline their investment process and minimize stress, aiming to steadily grow their wealth through regular contributions. To help our customers with this, we have now introduced Investment Plans that can be applied to any crypto asset at no charge (regular percentage fees apply based on the asset and if you are a Metal account holder).

Users can pick the asset they want to invest in, enter the amount to invest, and enter the frequency (weekly, every 2 weeks, monthly, or every 3 months). And there is no limit on the amount of plans you attach to your crypto assets.

We want to empower customers to concentrate on what truly matters: their objectives and strategies.

In order to be able to buy and sell Crypto you have to have a correct, registered and valid Tax ID. In case you don’t know where to find your Tax ID or how to register it in your app, please visit our Support Page (new tab).