N26 Crypto is a brokerage feature inside the N26 banking app, with crypto pricing and custody supplied through Bitpanda companies. The current pricing document, dated 20 October 2026, separates Bitpanda’s asset price from N26’s service fee. External crypto-wallet transfers are not currently supported, so buying in the app does not create a self-custody wallet.[1][4][5]
Markets & services
Sections ↑Reference table01
What the app provides
| Item | Published terms |
|---|---|
| Buy and sell | Crypto transactions quoted in EURSource 1Source 4 |
| Swap | Combined sale of one crypto-asset and purchase of anotherSource 1Source 4 |
| Recurring investment | Crypto savings plansSource 1Source 4 |
| Portfolio display | Crypto alongside other N26 investments and cashSource 1Source 4 |
Reference table02
Execution workflow
| Item | Published terms |
|---|---|
| Location | Investments tab, then CryptoSource 1Source 3 |
| Selection | Choose asset and Buy, Sell or SwapSource 1Source 3 |
| Confirmation | Preview the order amount, rate and service fee before confirmingSource 1Source 3 |
| Asset availability | The app’s enabled list controls; the website’s broad asset count is not an account guaranteeSource 1Source 3 |
Reference table03
Roles in a transaction
| Item | Published terms |
|---|---|
| Bitpanda | Sets the crypto-asset price under its calculation methodSource 4Source 1Source 2 |
| N26 | Charges the brokerage service feeSource 4Source 1Source 2 |
| Customer | Confirms the displayed order in the appSource 4Source 1Source 2 |
| Provider identity | Country-specific agreement identifies the relevant Bitpanda companySource 4Source 1Source 2 |
Fees & commercial terms
Sections ↑Reference table04
Standard, Smart and Go standalone orders
Reference table05
Metal standalone orders
Reference table06
How the Metal allowance is described
| Item | Published terms |
|---|---|
| Period | Calendar monthSource 1Source 4 |
| Buy volume | Help page says fees are included in the measured purchase amountSource 1Source 4 |
| Sell volume | Help page says fees are excluded from the measured selling amountSource 1Source 4 |
| Above allowance | Regular fees applySource 1Source 4 |
Reference table07
Published swap charges
Reference table08
Swap discount calculation
Reference table09
Illustrative €1,000 purchase
| Item | Published terms |
|---|---|
| Standard Bitcoin | €15 service fee; €985 remains for the asset purchaseSource 4 |
| Eligible Metal Bitcoin | €10 service fee; €990 remainsSource 4 |
| Ordinary Standard altcoin | €25 service fee; €975 remainsSource 4 |
| Low-liquidity altcoin | €35 service fee; €965 remainsSource 4 |
Reference table10
Other pricing details
| Item | Published terms |
|---|---|
| Price/spread | Bitpanda’s displayed asset price can differ from a reference marketSource 4Source 1 |
| Rounding | Help page says charges round upward to a whole cent, by at most one centSource 4Source 1 |
| Membership | Metal’s subscription cost is separate from trading chargesSource 4Source 1 |
| Document priority | Current dated price schedule supersedes the help page’s older statement that Bitpanda determines all feesSource 4Source 1 |
Deposits, withdrawals & settlement
Sections ↑Reference table11
Money and asset movement
Reference table12
Published transaction limits
Reference table13
Savings-plan choices
| Item | Published terms |
|---|---|
| Frequency | Weekly, fortnightly, monthly or every three monthsSource 1 |
| Plan charge | No additional plan fee; ordinary percentage transaction charges applySource 1 |
| Assets | Help page says plans can be set for available crypto-assetsSource 1 |
| Multiple plans | Help page does not impose a count limitSource 1 |
Custody & asset handling
Sections ↑Reference table14
Custody arrangement
| Item | Published terms |
|---|---|
| Asset holder | Bitpanda provider under the relevant agreementSource 5Source 1Source 2 |
| Storage description | N26 describes offline cold storageSource 5Source 1Source 2 |
| Customer keys | Customer does not receive an external-wallet transfer facility through N26 CryptoSource 5Source 1Source 2 |
| Operational dependency | Buying and selling depend on the app/provider service remaining availableSource 5Source 1Source 2 |
Reference table15
Cash and crypto are different holdings
| Item | Published terms |
|---|---|
| Bank balance | A bank-account claim under its own termsSource 4Source 5 |
| Crypto position | Asset exposure held through the crypto providerSource 4Source 5 |
| App display | Seeing both together does not make their legal protections identicalSource 4Source 5 |
| Exit | Sale to EUR is distinct from taking crypto into a personal walletSource 4Source 5 |
Client eligibility & restrictions
Sections ↑Reference table16
Countries named in the current help page
Reference table17
Additional access conditions
Support & contacts
Sections ↑Reference table18
Where to resolve an issue
| Item | Published terms |
|---|---|
| App access or order history | N26 in-app/help supportSource 1Source 4Source 5 |
| Fee question | Order preview and the current dated pricing documentSource 1Source 4Source 5 |
| Provider terms | Relevant Bitpanda entity identified in account documentsSource 1Source 4Source 5 |
| Wallet transfer request | Current product does not support it; support access does not remove that limitationSource 1Source 4Source 5 |
Authorisations & registrations
Sections ↑Reference table19
German Bitpanda identity
Reference table20
German provider’s French passport entry
| Item | Published terms |
|---|---|
| Authority source | AMF list for Bitpanda Asset Management GmbHSource 8 |
| Services | Custody, exchange crypto for funds, crypto for crypto and transfersSource 8 |
| French start date | 21 February 2025 in the passport entrySource 8 |
| Date boundary | This is not presented as the original German licence dateSource 8 |
Reference table21
Austrian Bitpanda identity and authorisation
| Item | Published terms |
|---|---|
| Company | Bitpanda GmbHSource 7Source 6 |
| Current commercial register | FN 569240vSource 7Source 6 |
| FMA decision | 9 April 2025 MiCA CASP authorisationSource 7Source 6 |
| Scope | Custody, exchanges, execution, placing, reception/transmission and transfers listed by FMASource 7Source 6 |
Reference table22
Stale identifiers in N26 help
| Item | Published terms |
|---|---|
| Germany help | Still shows HRB 121696 and a Frankfurt addressSource 1Source 2Source 6Source 7Source 8 |
| France help | Still shows FN 423018kSource 1Source 2Source 6Source 7Source 8 |
| Current evidence used here | Bitpanda legal notice, FMA authorisation and AMF passport entrySource 1Source 2Source 6Source 7Source 8 |
| Account relevance | Obtain the current signed provider terms rather than relying on an old help-page identifierSource 1Source 2Source 6Source 7Source 8 |
Operator & entity scope
Sections ↑Reference table23
Three separate roles
| Item | Published terms |
|---|---|
| N26 | App brokerage and banking relationshipSource 4Source 6Source 1Source 2 |
| Bitpanda Asset Management GmbH | German crypto-service companySource 4Source 6Source 1Source 2 |
| Bitpanda GmbH | Austrian crypto-service companySource 4Source 6Source 1Source 2 |
| Brand boundary | The two Bitpanda names should not be collapsed into a single legal entitySource 4Source 6Source 1Source 2 |
- Operator
- N26 Bank SE provides the app brokerage service; Bitpanda provider varies with the country agreement
- Exchange model
- Centralised
- Service scope
- In-app euro-denominated purchase, sale and swap interface for eligible N26 customers; country-dependent Bitpanda entities provide cryptocurrency services behind the N26 banking interface.
- Client types
- Retail clients
- Pricing publication
- Public pricing
- Other names
- N26 Crypto; N26 Kryptowährungen
- Headquarters
- Germany / selected European countries
- Covered jurisdictions
- Austria; Belgium; Germany; Spain; France; Portugal; Ireland
- Pricing scope
- 20 October 2026 schedule: ordinary BTC 1.5%, altcoins 2.5%, low-liquidity altcoins 3.5%; Metal BTC 1% and ordinary altcoins 2% within €5,000 monthly eligible volume, while low-liquidity assets remain 3.5%. Swap schedule is separate.
- Funding scope
- EUR orders and sale proceeds through the N26 app/account. A crypto sale and a bank transfer are distinct from an on-chain crypto withdrawal.
- Custody and asset handling
- Bitpanda holds the crypto, with offline cold storage described by N26. N26 Crypto does not currently support transfers to or from external wallets.
- Client eligibility
- Eligible enabled customers in Austria, Belgium, Germany, Spain, France, Portugal and Ireland; valid Tax ID and current app required. Availability is phased and final eligibility remains account-specific.
- Support
- N26 bank-app support and Bitpanda service provider roles; in-app preview documents price and fees.
- Authorisation and registration scope
- Bitpanda Asset Management GmbH is identified as a German CASP and appears in the AMF passport list. Bitpanda GmbH, FN 569240v, received Austrian FMA MiCA authorisation on 9 April 2025. These are distinct companies; the N26 account agreement determines which supplies the crypto service.
Exchange metadata checked 27 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 6Source 7Source 8
Covered contracting entities
N26 Bank SE
- Jurisdiction
- Germany
- Covered services
- App-based crypto brokerage and related bank-account service
- Client and location scope
- Only eligible, enabled accounts in supported countries.
Additional Information
Sections ↑Reference table24
Portfolio Groups do not change trades
| Item | Published terms |
|---|---|
| Function | Organise the investment displaySource 1 |
| One group per asset | Moving an asset replaces its previous group assignmentSource 1 |
| Deleting a group | Does not sell or close its positionsSource 1 |
| Fees and execution | Grouping does not alter charges, limits or executionSource 1 |
N26 Crypto offers a compact bank-app workflow with explicit percentage charges. Its principal limitation for users seeking on-chain ownership is the lack of external-wallet transfers. Fee comparisons should include the asset quote, the applicable service rate and any subscription cost, particularly when estimating whether Metal’s capped discount changes total cost.[4][5]
Sources & further reading
- N26 Germany live fees, supported countries, partners and transaction limits N26 · Accessed 27 Oct 2026
- N26 France partner-specific Bitpanda crypto disclosure N26 · Accessed 27 Oct 2026
- N26 Crypto product overview N26 · Accessed 27 Oct 2026
- N26 Crypto-Asset Brokerservice prices and fees, version 2.2, 20 October 2026 N26 · Accessed 27 Oct 2026
- N26 Crypto product FAQ: custody and external-wallet transfer restriction N26 · Accessed 27 Oct 2026
- Bitpanda current legal notice and company identifiers Bitpanda · Accessed 27 Oct 2026
- FMA grant of MiCA authorisation to Bitpanda GmbH Austrian Financial Market Authority · Accessed 27 Oct 2026
- AMF passport entry: Bitpanda Asset Management GmbH AMF · Accessed 27 Oct 2026
This profile reports dated public information, including exchange-published services and terms. It does not independently test or guarantee trading, custody, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.