N26 and Crypto – trade directly in the app

Buy and sell Bitcoin, Ethereum and more directly in your banking app – N26 now makes that possible. With N26 Crypto, the neobank has launched a fully integrated crypto trading feature right inside your current account. No second account, no external exchange needed.

What does N26 Crypto offer?

With N26 Crypto, you can buy and sell over 400 cryptocurrencies directly in the app – including Bitcoin, Ethereum, Solana and many more. You can start investing from just 1 euro, and transactions happen in real time. No separate crypto exchange account required, everything happens within your N26 account.

What are the fees?

Transaction fees are 1.5% for Bitcoin and 2.5% for all other coins. With an N26 Metal account, you pay less: 1% for Bitcoin and 2% for altcoins, applying to transactions up to 5,000 euros per calendar month. Fees are transparent and displayed before every transaction.

How does it work technically?

N26 Crypto is offered in partnership with Bitpanda. Bitpanda Asset Management GmbH is licensed by the German Federal Financial Supervisory Authority (BaFin) for trading and custody of crypto assets. Your coins are securely held, and you trade through a regulated infrastructure – directly from your banking app.

Crypto and taxes

In Germany, crypto gains must be taxed if the holding period is less than one year. Since all transactions are documented directly in your N26 app, you have a clear overview of all buys and sells. This makes filing taxes significantly easier compared to external exchanges, where you first need to export and match data.

My verdict

N26 has caught up on crypto and offers a solid solution directly in the app with N26 Crypto. Over 400 coins, regulated via Bitpanda, starting from just 1 euro – that is a strong offering for anyone who wants banking and crypto in one place. If you are looking for a modern bank account and want to invest in cryptocurrencies without the hassle, N26 gives you both in a single app.