N26 Crypto — so easy to use

Welcome to a new kind of crypto experience that's convenient and intuitive. 

Located right next to your cash, you can now trade crypto in your N26 banking app. No confusion, no waiting times, and no need to download a new app — trying crypto couldn’t be easier. Just give it a tap in your N26 app to begin.

Woman sat is a couch looking in her mobile N26 Crypto features.

Couldn’t be more convenient

An all-in-one app

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.

Buy and sell — instantly

You can turn your cash into crypto, or vice-versa, in a flash with N26 Crypto. Buy and sell almost 200 coins — including Bitcoin, Ether, and Cardano — right from your N26 app. And all of your crypto transactions are processed faster than you can say ‘that was so fast.’

Woman sitting watching Crypto on the N26 app with a man lying next to her.

Start with just €1

Buying crypto doesn’t have to be costly, after all, 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 (or less if you upgrade to Metal)*.

Easy experience

Our simple app experience lets you browse, buy, and sell crypto with ease. From helpful coin insights to a clear portfolio overview, you’ll soon feel right at home with N26 Crypto. 

And whether you’re a current customer or a new one, signing up is a piece of cake.

Dog looking at crypto performance on the n26 app.

Are you crypto-curious, but don’t see N26 Crypto in your banking app just yet? Fear not — N26 Crypto is being rolled out gradually in Germany, so simply check back in a few weeks.

Getting started — easy as 1-2-3

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

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

Tada — enjoy being a digital currency owner!

Give crypto a try

The easy way to save on fees

N26 Metal is easy on the eyes and an easy way to save on crypto trading fees. 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.

Upgrade to N26 Metal
Imagen de la sección Crypto en la aplicación n26 que muestra el rendimiento de Ethereum, Bitcoin y Shiba junto a la tarjeta N26 Metal.

*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). 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 Asset Management 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.

Ease into crypto

Crypto may seem like a tough nut to crack — but, as always, we’ve got your back. Whether you’re wondering about the basics — like what is crypto? and is it safe? — we're here to help.

A few things before getting started

Our goal is to make N26 Crypto as easy as possible, and that means sharing the risks and fine print with you: 

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.

Image of N26 logo next to Bitpanda logo in a teal background color.

The values depicted above are fictional and for illustrative purposes only. The statements and illustrations do not constitute investment advice.

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.

FAQs about N26 Crypto and cryptocurrency

Why don’t I see N26 Crypto in my app?

We are in the process of rolling out N26 Crypto to eligible N26 customers within Germany. 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 apply.

What is cryptocurrency?

Cryptocurrency is a type of digital money. The word “crypto” comes from the cryptographic techniques used to ensure that cryptocurrencies can be transacted securely. These techniques replace the need for a third party (such as a bank) to oversee transactions. Whereas traditional currencies are issued and regulated by a central authority, many cryptocurrencies rely instead on decentralized blockchain technology to review and approve transactions. You can learn more about the basics of crypto in our beginner’s guide to cryptocurrency.

What can I use cryptocurrency for?

Cryptocurrencies have many potential use cases — some already real, and some still a bit theoretical. Some people also buy cryptocurrencies to hold or sell later, in the hope that their value will increase over time. Others may buy crypto because they believe in the future of decentralized finance, or want to support a specific crypto project they believe in. Before trading crypto, you should know that many cryptocurrencies are subject to extreme fluctuations in value and carry the risk of total loss of value.

Which coins can I buy with N26 Crypto?

With N26 Crypto, you can buy and sell almost 200 coins directly within your N26 app. Current coin offerings include some of the biggest cryptocurrencies by market cap, such as Bitcoin, Ethereum, Solana, and many more. Be sure to do your research on the different types of cryptocurrencies before trading crypto, as each project may have its pros and cons to consider.

Are there any limits 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
  • A limit of 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.

Are there fees for trading crypto with N26 Crypto?

N26 Crypto transactions are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins. The transaction fee and exchange rate for each purchase are displayed on the purchase and sell screens, so you can always review them before confirming a trade*.

Do I need to set up a crypto wallet to use N26 Crypto?

N26 Crypto is all about simplicity, so you don’t need to set up a crypto wallet to trade crypto. You can trade your crypto directly in your N26 app. All coins purchased with N26 Crypto are safely stored in a custodial storage by our partner, Bitpanda Asset Management GmbH.

Can I transfer my crypto assets from other wallets to N26 Crypto or vice versa?

It is currently not possible to send coins to or from other crypto wallets with N26 Crypto.

Is the cryptocurrency I buy on N26 stored in a safe place?

The cryptocurrency you buy on N26 is stored in a cold offline storage managed by Bitpanda Asset Management GmbH. Bitpanda further ensures the security of users’ cryptocurrency by managing users’ private keys and safeguarding them from fraudsters. With that said, you should also do what you can to protect your N26 account.

Are crypto transactions taxable?

Crypto is typically subject to capital gains tax and may be subject to other taxes as well. The rules relating to taxation vary by member states and are constantly evolving, so do your research and understand the tax implications before making your first trade.

Can I use N26 Crypto on my desktop?

No, N26 Crypto is currently only accessible via the N26 app on mobile devices.

What is Bitpanda?

Bitpanda Asset Management GmbH is a Germany-based financial services provider that offers trading, custody, management and protection of crypto assets. N26 has partnered with Bitpanda to offer N26 Crypto, a convenient way to trade almost 200 cryptocurrencies directly from your N26 app.