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.

N26 Crypto

N26 Crypto is here

Welcome to a new kind of crypto platform that’s convenient and intuitive. 

Located right next to your cash, you can now trade crypto in your N26 banking app. Turn your euros into almost 200 coins instantly — just give it a tap in your N26 app to begin.

Woman sitting on a sofa looking at the N26 app with her dog.

Couldn’t be more convenient

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

Turn your cash into crypto 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 — 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)*.

Get comfortable with crypto

Our simple app experience takes the chaos out of crypto. 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.

Stellar, Aave, and Avalanche crypto coins.

Track the top movers

Now you can get the latest info on coins and make trades with confidence. See which coins have made the biggest gains and losses in the last 24 hours right in your portfolio.

Tether and Bitcoin crypto coins and some flowers in the background.

Build your watchlist

Track your favorite coins with ease and become more familiar with the ones you’re most interested in. Just tap the star symbol to add a coin to your watchlist — you can track as many as you like!

Hand holding a mobile displaying the N26 app.

Search and filter

Make almost 200 coins much simpler to navigate with our Explore feature. Sort based on lowest or highest price, market cap, or value fluctuation — and see the coins you want at a glance.

Get started in just 3 steps

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!

Give crypto a try

Save on fees with N26 Metal

Save on crypto trading fees with N26 Metal. 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.

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. Deviations for special coins are possible). 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 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.

N26 application showing crypto and its fluctuation along with a dessert.

Catch up on crypto

Crypto may seem like a tough nut to crack—but, as always, we’ve got your back. Whether you’re wondering what crypto is or you’re ready to jump into crypto mining, we're here to help.

A few things before getting started

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 explained in detail here

A return equal to the money spent is not guaranteed, and a complete loss of funds is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before trading.

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

The statements on this page do not constitute investment advice or any other advice on financial services, financial instruments, financial products or digital assets.

The values and returns depicted above are fictional and for illustrative purposes only.

For customers with a Spanish IBAN: N26 Bank operates in Spain through N26 Bank AG, Sucursal en España with CIF: W2765098E, as an entity authorized by the Bank of Spain with the financial entity code 1563. It is registered in the Mercantile Registry of Madrid under Book 37931, page 122, section 8, Sheet HM 675425 with establishment address at Paseo de la Castellana, 43, 28046 Madrid, Spain.

For customers with a German IBAN: N26 Bank AG is a public limited company under German law (HRB 247469 B Berlin Charlottenburg District Court Register, Voltairestraße 8, 10179, Berlin, Germany).

** N26 Bank does not offer or provide virtual assets to fiat currency exchange services or custody of virtual assets by itself.

** N26 Bank makes a functionality available in its app that technically allows the reception and transmission of purchase and sale orders of virtual assets executed exclusively by Bitpanda GmbH (FN423018k, at Stella-Klein-Löw-Weg 17, 1020 Vienna, Austria), a virtual asset service (VASP), and custody provider registered with the Austrian Financial Market Authority (FMA) and with Banco de España (N0023062C).

FAQs about N26 Crypto and cryptocurrency

Why don’t I see N26 Crypto in my app?

Customers who currently reside in Spain but whose account is associated with another country’s T&Cs will not yet have access to N26 Crypto. Access to N26 Crypto is determined by security factors, meaning some customers may not be eligible. However, eligibility can change over time based on criteria, and previously ineligible customers may become eligible. If so, N26 Crypto will show in the finance section of the app. Please make sure you have the most up to date App version.

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?

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
  • 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; Metal cardholders pay 1% for Bitcoin and 2% for other coins (deviations for special coins are possible)*. 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. 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 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.

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 GmbH.

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 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?

In Spain, cryptocurrency is typically subject to personal income tax. However, it 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 GmbH is an Austrian-based financial technology company that offers a platform for trading cryptocurrencies. N26 has partnered with Bitpanda to offer N26 Crypto, a convenient way to trade almost 200 cryptocurrencies directly from your N26 app.** For all purposes, Bitpanda—and not N26—offers and provides the services of buying and selling coins, and the custody of your portfolio. This service is offered through the N26 app.

What are the top gainers and top losers?

The top gainers and top losers are the coins that have seen the greatest increases or decreases in value within the last 24 hours.