Crypto lands in your banking app
N26 Crypto
Welcome to a new kind of crypto experience. 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 just got a lot more convenient. Tap in your N26 app to find out more.
Couldn’t be more convenient
All-in-one app
Manage and monitor your cash and crypto in one place. No need to download another app or make a new account to start trading crypto — check it out right in your N26 app.
Make moves — instantly
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.
Crypto with confidence
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)*.
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.
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 from your portfolio.
Build your watchlist
Track your favorite coins and get 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!
Search and filter
Navigate your way through almost 200 coins 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 by following these steps in your N26 app:
- Tap the Finances tab and scroll to Trading
- Select Get started with Crypto** and browse the coins
- If you’re ready, tap Buy and sign up
One more way to pay less 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 over the phone, seven days a week.
Upgrade to N26 Metal
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 about the basics — like what is crypto? and is it safe? — or ready to jump into crypto mining, we're here to help.
A few things before getting started
Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction.****
- 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.
Cryptocurrencies are currencies that exist virtually and are protected by cryptography. Although different coins may have different uses, many coins can be used for trading, storing value, or purchasing certain goods and services.
You can learn more about the basics of crypto in our beginner’s guide to cryptocurrency.
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.
Thanks to our partnership with Bitpanda, a registered digital assets service provider, you can buy and sell almost 200 kinds of coins directly from 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 cryptocurrency before getting started with Crypto, as each coin may have its pros and cons to consider.
N26 Crypto is only available in France to eligible customers. Eligible customers will see N26 Crypto under the new section located in the Finances tab of their app. Eligibility can change at any time, so check again in the future if you don’t see N26 Crypto in your app yet.
The following limits apply to trading Crypto at N26:
N26 Crypto transactions are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins (N26 Metal cardholders pay 1% for Bitcoin and 2% for 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. Keep in mind that the displayed price includes a “spread,” which is the difference between the purchase and sell price on the market.
You don’t need to set up a crypto wallet to transact at N26. 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, which offers the service of trading and custody of digital assets. N26 offers the service of reception and transmission of orders of digital assets, i.e. the act of receiving and transmitting buy or sell orders for digital assets on behalf of their customers****.
The cryptocurrency you buy on N26 is stored in a secure cold storage managed by Bitpanda GmbH, a digital assets service provider for the service of trading and custody of digital assets. N26 offers the service of reception and transmission of orders of digital assets, i.e. the act of receiving and transmitting buy or sell orders for digital assets on behalf of their customers****. Bitpanda further ensures the security of users’ cryptocurrency by managing users’ private keys and safeguarding them from fraudsters. That said, you should always do what you can to protect your N26 bank account as well.
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 getting started with crypto.
No, N26 Crypto is currently only accessible via the N26 app on mobile devices.
Bitpanda GmbH is an Austrian-based financial technology company that offers a platform for trading cryptocurrencies, registered with the French Financial Markets Authority (AMF) as digital assets service providers for the digital asset custody services as well as the buying or selling of digital assets in a currency that is legal tender.
N26 has partnered with Bitpanda Gmbh**** to offer N26 Crypto, an easy way to trade almost 200 cryptocurrencies directly from your N26 app. N26 offers the service of reception and transmission of orders of digital assets, i.e. the act of receiving and transmitting buy or sell orders for digital assets on behalf of their customers.
The top gainers and top losers are the coins that have seen the greatest increases or decreases in value within the last 24 hours.
*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. Spreads also apply.
**Digital assets present a risk of total or partial loss of capital due to the specific volatility of digital asset prices and due to cybersecurity risks. A return equal to the money spent is not guaranteed and a complete loss of the money spent is possible at any time. Past performance is not a reliable indicator of future performance. Make sure you have sufficient knowledge before proceeding with any transaction.
***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 returns depicted are fictional and for illustrative purposes only. The illustration and statements do not constitute investment advice. Service of reception and transmission of orders of digital assets provided by N26 Bank AG (Voltairestr. 8, 10179 Berlin, Germany CR Berlin Charlottenburg HRB 247466 B). Trading and custody of digital assets by Bitpanda GmbH (Stella-Klein-Löw-Weg 17, 1020 Vienne Autriche, RC FN569240 v), Digital Asset Service Provider registered with the French Financial Market Authority under the number E2023-076 and with the Austrian Financial Market Authority under the number FN423018k.