In Spain, N26 Crypto is powered by Bitpanda GmbH (FN423018k) as digital asset servicing provider, registered with the Austrian Financial Market Authority and located at Stella-Klein-Löw-Weg 17, 1020 Vienna, Austria.
The following statements do not constitute investment advice or any other advice on financial services, financial instruments, financial products or digital assets. They are intended to provide general information. The following statements do not constitute an offer to conclude a contract for the purchase or sale of financial instruments and financial products or an invitation to submit such an offer and to buy or sell any particular digital asset.
Cryptocurrencies are subject to high fluctuations in value. A decline in value or a complete loss are possible at any time. The loss of access to data and passwords can also lead to a complete loss.
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.
Don’t forget that, unlike many crypto trading apps, the prices in the N26 app are in Euro.
Buying crypto doesn’t need to be costly. You only need €1 to get started and 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* (deviations for special coins are possible). 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, standard fees apply: 1.5% on Bitcoin and 2.5% on all other coins (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 the order preview. Deviations for special coins are possible). The fees and cryptocurrency prices shown on the N26 app for every transaction, including a possible spread, are not determined by N26 but provided by Bitpanda GmbH. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.
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 (new tab) with FAQs.
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.
FAQs
Buying crypto doesn't need to be costly. You only need €1 to get started and 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* (deviations for special coins are possible).
Is N26 good for crypto? ›
N26 Crypto. Investing in crypto assets is not regulated, may not be suitable for retail investors, and the entire amount invested may be lost. It is important to read and understand the risks of this investment which are fully explained here.
Can I withdraw crypto from N26? ›
To withdraw money from N26, you can use the N26 card to conduct an ATM withdrawal or send money to another bank account. The platform does not offer cryptocurrency withdrawals.
What is the N26 crypto limit? ›
N26 Crypto Limits
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.
How do I sell crypto with N26? ›
You can turn your cash into crypto, or vice-versa, in a flash with N26 Crypto. Thanks to our partner Bitpanda, a registered digital assets service provider, you can buy and sell almost 200 coins right from your N26 app. Plus, all of your crypto transactions are processed in an instant.
What are the disadvantages of N26? ›
Limited services. N26 is good for everyday banking, but it does not offer many investing options. If you want to invest your money, get a fancy credit card or get a mortgage, you need a traditional bank like Commerzbank, Deutsche Bank or Berliner Sparkasse. You don't need to have one bank for everything.
How to use N26 crypto? ›
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.
How much does N26 charge for withdrawal? ›
With the N26 Standard, N26 Business and Smart account, there's a fee of 1.7% of the withdrawal amount. This fee is waived for N26 You, Business You or N26 Metal and Business Metal members. Using your Maestro for ATM withdrawals. A €2 fee applies to both domestic or international withdrawals.
Can I withdraw all my money from crypto? ›
The most straightforward way to withdraw crypto to a bank account is by selling it through a cryptocurrency exchange, peer-to-peer trading platform, or fintech company. This way, you convert the selected crypto to fiat and send money to your bank account.
Can you cash out crypto without a bank? ›
A: Bitcoin ATMs allow you to sell Bitcoin in exchange for cash. You need to verify your identity, typically through a government-issued ID, phone number, and a picture. You then send Bitcoin to the ATM's wallet and receive cash equivalent. The transaction process can take around 10-20 minutes.
You can choose to deposit between 20€ and 450€ per calendar month. The first deposit is free.
What is the max cash withdrawal N26? ›
Cash withdrawal: limits and amounts
Most ATM withdrawal limits are between €200–€300 a day. Always be aware of your bank's withdrawal limit, especially if the money you need exceeds that amount. For N26 customers, the maximum withdrawal limit from an ATM is €1,000 daily for most countries.
How much does N26 charge for transfers? ›
Best of all, sending and receiving instant bank transfers is 100% free for premium customers, and only costs €0.99 to send for N26 Standard customers. No delays. No waiting. No problem.
How do I cash out large money from crypto? ›
To cash out funds, find an ATM that accepts crypto, select sell or withdraw money options, enter the desired amount, generate QR codes or wallet addresses, transfer the funds to your wallet, wait for the transaction to finish, and dispense cash.
How much tax is on crypto in Germany? ›
Cryptocurrency gains and income are taxed at personal income tax rates ranging from 0% to 45%. Cryptocurrency gains are tax-free if they are under 600€ (1000€ from 2024) or if the holding period exceeds one year. Cryptocurrency income is tax-free if it is below the exemption limit of 256€.
How do you turn your cryptocurrency into cash? ›
Here are five ways you can cash out your crypto or Bitcoin.
- Use an exchange to sell crypto.
- Use your broker to sell crypto.
- Go with a peer-to-peer trade.
- Cash out at a Bitcoin ATM.
- Trade one crypto for another and then cash out.
- Bottom line.
Revolut is easily the best challenger bank for crypto in 2024. It allows transactions with exchanges for all account levels, from credit and debit cards to wire transfers. Revolut also offers in-app crypto trading and staking opportunities, making it the number one choice for crypto enthusiasts.
What is the best crypto-friendly bank? ›
Quick Look: The 9 Best Crypto-Friendly Banks
- Juno.
- Monzo.
- Revolut.
- Wirex.
- Coinbase.
- Mercury.
- BankProv.
- Cash App.
You don't need to worry about the safety of N26 Bank. This bank is German-regulated and it offers a deposit protection scheme that protects you for up to EUR 100,000. The app also comes with a wide range of features and you'll be asked about your outgoing online payments with passwords and PINs.
What are the crypto-friendly banks in Germany? ›
Germany has the highest number of crypto-friendly banks in the EU. Neobanks such as N26, Fidor, vivid, and Solarisbank all provide some level of crypto services. Institutional giants are also getting in on the action.
