Country hub / Germany
Financial apps and digital money services in Germany.
Six approved records span German, Dutch and Lithuanian bank deposits, a Belgian payment institution, a Luxembourg electronic-money wallet and MiCA crypto services. Compare the legal holder and protection system before the app features.
Direct answer
N26 is the German-scheme bank in this approved set.
bunq is a Dutch bank and Revolut Bank UAB uses Lithuania's deposit scheme, even when the product is available in Germany. Wise safeguards funds, PayPal holds electronic money and Coinbase provides separate crypto and e-money services.
Product classification
A bank passport, payment institution and MiCA authorisation are not interchangeable.
Germany coverage resolves the contracting entity and protection model before comparing product features.
German bank
N26 Bank SE uses the German statutory deposit-protection framework for eligible deposits.
EU bank passport
bunq and Revolut retain Dutch and Lithuanian deposit-scheme treatment respectively.
Electronic money
Wise safeguarding and PayPal electronic money are not labelled insured bank deposits.
Crypto services
Coinbase's MiCA authorisation governs crypto services; it is not deposit insurance.
Verified DE comparison
Change the job, not the evidence.
These controls only reorder approved market records. Legal entity, product class, protection wording, source date and confidence stay fixed.
Bank deposits: Prioritises direct bank deposits while preserving the German, Dutch and Lithuanian scheme boundary.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| N26A German-licensed mobile current account with free and paid personal plans. | german licensed digital bank | available with residency identity and product conditions | N26 Bank SE | Eligible deposits sit at N26 Bank SE under the German statutory scheme.The EUR 100,000 limit aggregates eligible deposits at N26 Bank SE; investments and promotional returns are separate. | 9 source records | |
| bunqPersonal or business mobile banking with plan-based account and currency tools. | dutch bank passported into germany | available with identity plan and product conditions | bunq B.V. | Eligible deposits sit at bunq B.V. under the Dutch Deposit Guarantee.Germany availability does not move bunq deposits into the German EdB scheme; bunq names aggregate at the same Dutch bank. | 9 source records | |
| RevolutPlan-based banking, cards and currency tools with a German-branch migration boundary. | lithuanian bank german branch | available with branch migration and product conditions | Revolut Bank UAB, Zweigniederlassung Deutschland or Revolut Bank UAB, depending on account migration | Eligible deposits aggregate at Revolut Bank UAB under Lithuania's scheme.The applicable contract depends on DE-IBAN and migration status; separate investments and group products need separate checks. | 5 source records | |
| WiseMulticurrency holding, receiving, card and international-transfer workflows. | belgian payment institution and multicurrency account | available with customer route and product conditions | Wise Europe SA | Wise Europe SA safeguards ordinary customer funds separately from its own money.Safeguarding is not deposit insurance; Interest and Stocks are separate investments with capital at risk. | 5 source records | |
| PayPalOnline checkout, personal transfers and merchant payment workflows. | luxembourg credit institution electronic money wallet | available with personal business and transaction conditions | PayPal (Europe) S.a r.l. et Cie, S.C.A. | The PayPal balance is electronic money under the Luxembourg entity's terms.PayPal's agreement says the balance is not a deposit or investment and is outside EEA deposit-guarantee schemes. | 1 source records | |
| CoinbaseBuying, selling, holding and transferring supported crypto assets under MiCA services. | mica crypto asset service and separate e money services | available with identity asset payment and mica conditions | Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for cited e-money services | Crypto and cited e-money services use separate Luxembourg and Irish entities.MiCA authorisation is not deposit insurance; assets, transfers, execution and fees remain product-specific. | 3 source records |
N26
german licensed digital bank- Market status
- available with residency identity and product conditions
- Legal entity
- N26 Bank SE
- Product note
- N26 Bank SE holds eligible deposits, while N26 Crypto is separately powered, priced and custodied by Bitpanda Asset Management GmbH. Bank deposits and cryptoassets retain different entities, terms and protection.
- Protection model
- Eligible deposits sit at N26 Bank SE under the German statutory scheme.The EUR 100,000 limit aggregates eligible deposits at N26 Bank SE; investments and promotional returns are separate.
View legal and product sources
bunq
dutch bank passported into germany- Market status
- available with identity plan and product conditions
- Legal entity
- bunq B.V.
- Product note
- bunq B.V. holds eligible deposits under its Dutch bank licence, while its integrated crypto feature uses Kraken for verification, execution and custody. Deposits and crypto retain different entities, fees and protection.
- Protection model
- Eligible deposits sit at bunq B.V. under the Dutch Deposit Guarantee.Germany availability does not move bunq deposits into the German EdB scheme; bunq names aggregate at the same Dutch bank.
View legal and product sources
Revolut
lithuanian bank german branch- Market status
- available with branch migration and product conditions
- Legal entity
- Revolut Bank UAB, Zweigniederlassung Deutschland or Revolut Bank UAB, depending on account migration
- Product note
- Revolut Bank UAB or its German branch holds eligible deposits, while Revolut Digital Assets Europe Ltd separately provides conditional MiCA crypto services. Deposit insurance does not cover cryptoassets.
- Protection model
- Eligible deposits aggregate at Revolut Bank UAB under Lithuania's scheme.The applicable contract depends on DE-IBAN and migration status; separate investments and group products need separate checks.
View legal and product sources
Wise
belgian payment institution and multicurrency account- Market status
- available with customer route and product conditions
- Legal entity
- Wise Europe SA
- Product note
- Wise Europe SA provides a safeguarded payment account. Outgoing transfers to crypto platforms are unsupported; incoming crypto-platform payments remain narrowly conditional. Wise does not provide crypto custody for this account.
- Protection model
- Wise Europe SA safeguards ordinary customer funds separately from its own money.Safeguarding is not deposit insurance; Interest and Stocks are separate investments with capital at risk.
View legal and product sources
PayPal
luxembourg credit institution electronic money wallet- Market status
- available with personal business and transaction conditions
- Legal entity
- PayPal (Europe) S.a r.l. et Cie, S.C.A.
- Product note
- PayPal's Luxembourg entity provides German personal and business payment accounts. The cited agreement defines the balance as electronic money, not a deposit or investment, and explicitly excludes deposit-guarantee and investor-compensation protection.
- Protection model
- The PayPal balance is electronic money under the Luxembourg entity's terms.PayPal's agreement says the balance is not a deposit or investment and is outside EEA deposit-guarantee schemes.
View legal and product sources
Coinbase
mica crypto asset service and separate e money services- Market status
- available with identity asset payment and mica conditions
- Legal entity
- Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for cited e-money services
- Product note
- Coinbase Luxembourg S.A. provides MiCA-authorised crypto-asset services for German customers, while Coinbase Ireland Limited provides cited e-money services. Crypto assets are not bank deposits and trading, asset, transfer and fee conditions remain product-specific.
- Protection model
- Crypto and cited e-money services use separate Luxembourg and Irish entities.MiCA authorisation is not deposit insurance; assets, transfers, execution and fees remain product-specific.
View legal and product sources
0 selected locally.No matching comparison is published
Protection boundary
EUR 100,000 follows the depositor and legal bank—not the country screen.
German statutory protection generally covers eligible deposits up to EUR 100,000 per customer per institution. That supports the eligible N26 record here. bunq and Revolut have the same standard headline limit under different home-state schemes.
This page does not extend that limit to Wise safeguarding, a PayPal balance, Coinbase assets or separate investments. Exact depositor eligibility, account aggregation and exclusions still apply.
German EdB member
Confirm the bank, eligible depositor and aggregate deposits held at that institution.
EU home-state scheme
A passported bank normally keeps its home-state scheme; Germany availability does not change it.
Safeguarded or e-money
Segregation or regulated issuance is materially different from an insured bank deposit.
Investment or crypto
Market, custody and capital risk stay outside the bank-deposit comparison.
Eligibility
Residence, age, identity and product type change access.
N26 requires adult eligibility, supported residence, identity checks and a compatible device. bunq, Revolut, Wise, PayPal and Coinbase retain their own customer, business, migration and verification conditions. An available record is not an approval promise.
Read the Revolut reviewRead the Wise reviewFee snapshot
Free plans do not make every transaction free.
N26 Standard, bunq Free and Revolut Standard were listed without monthly fees when observed. Paid plans ran from EUR 4.90, EUR 3.99 and EUR 2.99 per month respectively. Wise conversion started from 0.47%. Allowances, cards, routes, promotions and transaction previews control the actual cost.
Payment rails
SEPA and SEPA Instant are market systems—not universal provider promises.
EPC records establish euro-transfer infrastructure. Exact participation, product, direction, limits, screening and fees still need provider evidence.
SEPA
Germany market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
SEPA Instant
Germany market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
card
Germany market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
Source ledger
Every material Germany claim keeps its entity, source and date.
Sources were observed on 12 July 2026 and require launch-time and material-change reverification.
N26 Germany source drawer
N26 is displayed as german licensed digital bank in Germany.
- N26 identifies N26 Bank SE as a fully licensed German bank supervised by BaFin.
- The page describes a Standard account without an account-management fee plus card, payment, savings and app functions with product conditions.
- Feature marketing does not establish universal eligibility, permanent pricing or protection for separate investments.
- The observed schedule lists Standard as free, Smart at EUR 4.90 per month, Go at EUR 9.90 per month and Metal at EUR 16.90 per month.
- Card, withdrawal, savings, insurance, investment and promotional conditions differ by plan and can change.
- Applicants must meet residence, age, identity and compatible-device requirements stated by N26.
- N26 states that N26 Bank SE is a member of the Entschadigungseinrichtung deutscher Banken.
- Eligible deposits are protected up to EUR 100,000 per depositor under the statutory German scheme, subject to scheme rules.
- All eligible deposits held at N26 Bank SE aggregate for the limit; investment products are not converted into deposits.
- EdB describes statutory protection of eligible deposits up to EUR 100,000 per customer per member bank.
- Temporary higher-balance rules and depositor exclusions have separate statutory conditions and are not presented as a universal limit here.
- Membership and aggregation must be checked against the exact bank entity rather than an app or brand name.
- N26 lists Germany and other supported European residence countries for current account opening and does not list the United States.
- Residence in a listed country is necessary but not sufficient; identity, device, account, creditworthiness and product conditions still apply.
- Products and services vary by country, so German plan, savings, credit, crypto or investment facts are not treated as global.
- Applicants must be at least 18, live in a supported country, own a compatible smartphone, hold supported identity documents and complete identity verification in a supported language.
- A customer cannot already hold a personal or business account under the cited flow; a Freelancer account requires a Personal account first.
- Minimum-creditworthiness and automated-decision conditions can lead to a German N26 Flex offer instead of the selected account and do not create an approval guarantee.
- For German terms, Standard and Business list two, Smart three, Go five and Metal eight free euro ATM withdrawals monthly, followed by a EUR 2 charge per excess withdrawal.
- Standard and Smart list a 1.7% non-euro withdrawal fee while Go and Metal list free non-euro withdrawals; ATM operator and other conditions can still apply.
- CASH26, Maestro, Flex and non-German account terms use different availability, fee and allowance rules.
- N26 Crypto is an in-app trading product powered by Bitpanda Asset Management GmbH, a separately licensed German entity.
- The page lists standard transaction fees of 1.5% for Bitcoin and 2.5% for other coins, with specified low-liquidity exceptions and plan discounts shown before trading.
- Bitpanda provides pricing and cold-storage custody; cryptoassets remain separate from N26 Bank deposits and deposit-guarantee protection.
- Eligible customers can buy, sell and swap supported crypto inside the N26 app after entering the Trading and Crypto flow.
- Bitpanda Asset Management GmbH powers the service and the current page warns of volatility and possible total loss.
- An integrated interface does not merge the bank deposit, trading counterparty, custody, fees or recovery process.
bunq Germany source drawer
bunq is displayed as dutch bank passported into germany in Germany.
- bunq's German-market terms identify bunq B.V. and apply Dutch Deposit Guarantee treatment to eligible verified accounts, subject to exclusions.
- The EUR 100,000 limit aggregates eligible deposits across bunq, bunq B.V. and bunq.com rather than treating names as separate banks.
- Account, identity, payment, savings, joint-account and product conditions remain governed by the current terms.
- The observed comparison lists bunq Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.
- Cards, account counts, currency exchange, withdrawals, business plans and other functions use plan-specific allowances and fees.
- A free trial or promotional feature is not treated as permanent availability or pricing.
- DNB states that the Dutch Deposit Guarantee automatically protects eligible money in bank accounts up to EUR 100,000 per person per bank.
- Coverage follows the legal bank and aggregate eligible accounts, while exclusions and temporary high balances have separate conditions.
- Investments and crypto assets are not deposits protected by the Dutch scheme.
- DNB's scheme register provides the authoritative bank and trade-name lookup for Dutch Deposit Guarantee participation.
- The bunq query must be read with the account terms because brand variants do not create separate EUR 100,000 limits.
- German availability does not move a bunq deposit into the German EdB scheme.
- DNB identifies bunq B.V. as a Dutch bank with statutory seat in Amsterdam and lists bunq B.V., bunq.com and bunq as trade names of the same institution.
- The register includes acceptance of deposits, lending, payment services, means of payment, foreign exchange, securities-related and electronic-money activities under bunq B.V.'s record.
- A regulated activity in the register does not make every product available to every market, customer or plan and does not convert stocks or crypto into deposits.
- bunq states that customers must reside in a supported EEA country and have EEA tax residency rather than merely visiting Europe or holding an EEA address.
- The cited page says non-EEA tax residency, including United States or United Kingdom tax residency, does not currently satisfy account-opening eligibility.
- Residence, tax identification, identity, phone, verification, acceptance and product conditions remain separate gates.
- A verified bunq Personal account is required to open and access a Business account, and each additional director needs a separate verified Personal account.
- bunq says one person can create only one Personal account; the Personal plan can be switched to bunq Free when it is not otherwise used.
- A Personal-account login requirement does not merge personal and business ownership, fees, eligibility, cards, transactions or protection calculations.
- bunq lets eligible customers buy, sell and swap supported crypto in-app after a Kraken verification flow.
- Kraken executes trades and stores the crypto; purchases and sales currently use euro accounts rather than savings or foreign-currency accounts.
- Crypto can fall in value, Safety Shield can hold sale proceeds for 24 hours, and partner custody remains separate from bunq bank deposits.
- The observed plan-based service fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite.
- The final price including the service fee is shown before confirmation, while the buy-sell spread and market movement remain separate economic costs.
- Plan pricing, supported assets, execution and custody require live in-app confirmation.
Revolut Germany source drawer
Revolut is displayed as lithuanian bank german branch in Germany.
- German residents with an applicable DE IBAN contract through Revolut Bank UAB's German branch; other customers can remain directly with Revolut Bank UAB pending migration.
- Revolut Bank UAB is licensed in Lithuania and the German branch has separate local supervision within the cross-border framework.
- Account scope, migration, payment, card and separate group products must be checked against the terms applying to the individual customer.
- Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.
- All eligible deposits at Revolut Bank UAB aggregate for the limit, including accounts serviced through a branch.
- Electronic money, investments and other excluded products are not converted into insured deposits by this disclosure.
- The observed comparison lists Standard as free, Plus at EUR 2.99, Premium at EUR 8.99, Metal at EUR 15.99 and Ultra at EUR 65 per month as an introductory offer.
- Plan benefits, exchange allowances, cards, withdrawals, insurance, investments and promotions have separate terms and can change.
- The current in-app transaction preview and fee schedule control a specific transaction.
- Revolut Digital Assets Europe Ltd operates the cited Revolut X trading platform under MiCA-aligned trading rules.
- Asset admission, whitepapers, exclusions, monitoring and delisting remain conditional and can change because of law, liquidity, security or third-party support.
- RDAEL crypto services remain separate from Revolut Bank UAB German branch deposits and their Lithuanian deposit-insurance treatment.
- Revolut publishes plan- and trade-value-dependent minimum or variable crypto exchange fees and displays the rate, fee and total before exchange where possible.
- The exchange rate is variable and separate from the crypto fee; combined plan exchange limits can also include fiat and commodity activity.
- The live preview and current RDAEL terms control rather than a static universal trading cost.
Wise Germany source drawer
Wise is displayed as belgian payment institution and multicurrency account in Germany.
- Wise identifies Wise Europe SA as an authorised payment institution supervised by the National Bank of Belgium for EEA services.
- A payment-institution authorisation is not a German bank licence and ordinary balances are not described as deposits.
- Exact services, customer type, route and separate investment entities remain market and product specific.
- Wise Europe says it safeguards customer funds separately from operating money using cash at named commercial banks and low-risk liquid assets.
- Wise explicitly says it is not a bank; safeguarding is not labelled German EdB or Belgian deposit insurance.
- Interest and Stocks are separate investment products with capital risk and must not inherit the ordinary-balance safeguarding description.
- The observed schedule lists free personal registration and holding, while transfer and conversion pricing starts from 0.47 percent and varies by currency and route.
- Same-currency card spending from an available balance is listed as free; withdrawals and receiving methods have thresholds and separate charges.
- Investment features carry separate annual fees and capital risk, and all prices can change.
- Wise account cannot be used to send money to crypto exchanges such as Coinbase or Binance.
- Wise card policy differs and lawful card transactions may be supported by region.
- Outgoing account transfers to crypto platforms are not supported.
- Article names Coinbase among payments Wise cannot accept from in the described context.
PayPal Germany source drawer
PayPal is displayed as luxembourg credit institution electronic money wallet in Germany.
- The agreement updated 22 January 2026 identifies PayPal (Europe) S.a r.l. et Cie, S.C.A. as the provider for German accounts.
- PayPal is a Luxembourg credit institution, but the agreement defines account money as electronic money rather than a deposit or investment.
- It explicitly says Luxembourg or equivalent EEA deposit-guarantee and investor-compensation schemes do not protect the PayPal balance.
Coinbase Germany source drawer
Coinbase is displayed as mica crypto asset service and separate e money services in Germany.
- From 23 October 2025 the cited agreement contracts German customers with Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for e-money services.
- Coinbase Luxembourg lists CSSF MiCA authorisation N00000004 and a separate e-money-token authorisation; Coinbase Ireland is regulated by the Central Bank of Ireland.
- Crypto assets, e-money, trading, custody and transfer services retain separate legal and protection treatment.
- Coinbase says its Luxembourg entity received CSSF MiCA authorisation for EEA crypto-asset services and Germany migrated on 23 October 2025.
- The disclosure keeps crypto services at Coinbase Luxembourg separate from cited e-money services at Coinbase Ireland.
- MiCA authorisation is not deposit insurance, and asset availability and execution venues remain conditional.
- Coinbase states that Advanced maker and taker fees depend on order type and the customer's current rolling trading-volume tier.
- The fee tier is recalculated and the current authenticated fee page and order preview must be checked before trading.
- Simple trading, spreads, network charges, staking and other services use separate fee treatment.
Germany regulator, protection and rail sources
- BaFin states that statutory deposit guarantee generally protects eligible deposits up to EUR 100,000 per customer per institution.
- Coverage follows the exact institution and eligible depositor or product and is separate from voluntary protection arrangements.
- A market-level limit does not prove that a wallet, safeguarded balance, investment or crypto asset is an eligible deposit.
- EdB describes statutory protection of eligible deposits up to EUR 100,000 per customer per member bank.
- Temporary higher-balance rules and depositor exclusions have separate statutory conditions and are not presented as a universal limit here.
- Membership and aggregation must be checked against the exact bank entity rather than an app or brand name.
- The EPC describes the SEPA Credit Transfer scheme for euro credit transfers across participating countries and institutions.
- The scheme and the Instant Payments Regulation provide market infrastructure and obligations, not proof of every provider feature or route.
- Product support, direction, cut-offs, screening, limits, fees and execution still require provider-level evidence.
- The current SCT Inst scheme is designed for euro funds to become available within seconds and on a 24/7 basis under its rulebook.
- Scheme membership and regulatory reach do not guarantee that every account, direction, amount or customer uses instant execution.
- Fraud controls, sanctions screening, outages, limits and provider terms can affect a specific payment.
Unavailable or deliberately not inferred
- A universal winner, approval result, document list or permanent fee or return.
- German deposit protection for a Dutch or Lithuanian bank, safeguarded funds, e-money, investments or crypto.
- Provider-level SEPA, SEPA Instant or card support beyond cited product evidence.
- Promotional savings or investment returns as permanent, guaranteed bank-deposit rates.