Crypto access / Germany
The app can integrate crypto without the bank holding it.
N26 uses Bitpanda, bunq uses Kraken and Revolut separates its bank from RDAEL. Coinbase is a MiCA exchange and Wise blocks outgoing crypto-platform transfers. These are five different provider chains, not a leaderboard of friendly banks. Follow the legal entity that holds the euros, executes the order and custodies the crypto at each stage.
Direct answer
Choose the provider chain, not the logo.
N26 and bunq give the clearest integrated partner paths: the bank account funds a separately provided Bitpanda or Kraken crypto service. Revolut also integrates crypto, but RDAEL rather than Revolut Bank provides it. Coinbase is the exchange-first option under its German MiCA migration. Wise is an explicit unavailable outgoing route. In every supported case, deposit protection stops at the eligible bank deposit and does not cover the cryptoasset.
Read the Germany market guideRead the N26 reviewRead the bunq reviewClassification first
One interface can contain a bank, broker, custodian and exchange.
Integration does not merge entities, licences, fees, custody or protection.
German bank plus Bitpanda
N26 Bank SE holds the bank deposit. Bitpanda Asset Management GmbH powers N26 Crypto, supplies prices and custodies supported assets in cold storage. Deposit guarantee and crypto risk remain separate.
Dutch bank plus Kraken
bunq B.V. holds the eligible deposit under the Dutch DGS. Kraken verifies the crypto wallet, executes supported trades and stores the assets. A bunq screen does not make Kraken custody a bunq deposit.
Lithuanian bank plus RDAEL
Revolut Bank UAB or its German branch holds the deposit. RDAEL separately provides conditional crypto and Revolut X services under its own rules. The group brand cannot replace the entity split.
MiCA exchange
Coinbase Luxembourg provides German cryptoasset services while Coinbase Ireland supplies cited e-money services. MiCA authorisation does not turn crypto into a deposit or guarantee a listed asset.
Verified DE crypto 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.
Integrated crypto: Prioritises an in-app bank-to-separate-provider crypto workflow with exact entity disclosure.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| N26Integrated German bank deposits and Bitpanda-powered crypto trading in one interface. | german bank with separate bitpanda powered crypto service | integrated buy sell and swap with product fee and custody conditions | N26 Bank SE for deposits; Bitpanda Asset Management GmbH for N26 Crypto | Eligible N26 Bank deposits can enter the German statutory scheme; Bitpanda-custodied cryptoassets do not.Eligibility, assets, fees, spread, plan discount, execution, custody and total-loss risk remain product-specific. | 5 source records | |
| bunqIntegrated euro-account funding with Kraken execution, custody and plan-based fees. | dutch bank account with separate kraken powered crypto service | integrated buy sell and swap with kraken verification fee and custody conditions | bunq B.V. for deposits; Kraken as execution and custody partner | Eligible bunq bank deposits can enter the Dutch Deposit Guarantee; Kraken-held cryptoassets do not.Only eligible euro accounts fund the current feature; plan fees, spread, verification, assets, custody and a 24-hour sale-proceeds hold apply. | 5 source records | |
| RevolutIntegrated group crypto and Revolut X access with explicit bank-versus-RDAEL separation. | lithuanian bank account with separate rdael mica crypto service | integrated crypto and revolut x with entity plan asset fee and custody conditions | Revolut Bank UAB or its German branch for deposits; Revolut Digital Assets Europe Ltd for crypto | Eligible Revolut Bank UAB deposits can enter Lithuania's scheme; RDAEL cryptoassets do not.Account migration, product eligibility, plan, fees, spread, whitepapers, asset admission, delisting and custody remain separate conditions. | 4 source records | |
| CoinbaseExchange-first trading and custody under the current German MiCA migration structure. | luxembourg mica crypto service with separate irish e money service | available with identity asset payment execution custody and mica conditions | Coinbase Luxembourg S.A. for cryptoasset services; Coinbase Ireland Limited for cited e-money services | Coinbase e-money and cryptoassets have separate legal treatment; cryptoassets are not bank deposits.Identity, payment method, cash availability, fees, order type, assets, networks, custody and account restrictions apply. | 3 source records | |
| WiseA safeguarded multicurrency payment account with an explicit no-outgoing-crypto boundary. | belgian payment account with outgoing crypto platform restriction | outgoing crypto platform transfers unavailable incoming narrowly conditional | Wise Europe SA | Ordinary Wise Europe funds are safeguarded rather than deposit-insured; Wise does not custody crypto for this account.Conditional incoming payments are not outgoing permission, an exchange endorsement, card approval or crypto custody. | 4 source records |
N26
german bank with separate bitpanda powered crypto service- Market status
- integrated buy sell and swap with product fee and custody conditions
- Legal entity
- N26 Bank SE for deposits; Bitpanda Asset Management GmbH for N26 Crypto
- Product note
- N26 embeds supported crypto buying, selling and swapping in its app, but Bitpanda Asset Management GmbH powers pricing, execution and cold-storage custody. The bank deposit and crypto product remain separate.
- Protection model
- Eligible N26 Bank deposits can enter the German statutory scheme; Bitpanda-custodied cryptoassets do not.Eligibility, assets, fees, spread, plan discount, execution, custody and total-loss risk remain product-specific.
View legal and product sources
bunq
dutch bank account with separate kraken powered crypto service- Market status
- integrated buy sell and swap with kraken verification fee and custody conditions
- Legal entity
- bunq B.V. for deposits; Kraken as execution and custody partner
- Product note
- bunq lets eligible German customers buy, sell and swap supported crypto from a euro account after a Kraken verification flow. Kraken executes and stores the crypto; bunq deposits retain Dutch DGS treatment.
- Protection model
- Eligible bunq bank deposits can enter the Dutch Deposit Guarantee; Kraken-held cryptoassets do not.Only eligible euro accounts fund the current feature; plan fees, spread, verification, assets, custody and a 24-hour sale-proceeds hold apply.
View legal and product sources
Revolut
lithuanian bank account with separate rdael mica crypto service- Market status
- integrated crypto and revolut x with entity plan asset fee and custody conditions
- Legal entity
- Revolut Bank UAB or its German branch for deposits; Revolut Digital Assets Europe Ltd for crypto
- Product note
- Revolut's German bank account and RDAEL crypto services are separate. RDAEL operates conditional retail crypto and Revolut X functions under its own terms, fee schedule and MiCA-aligned trading rules.
- Protection model
- Eligible Revolut Bank UAB deposits can enter Lithuania's scheme; RDAEL cryptoassets do not.Account migration, product eligibility, plan, fees, spread, whitepapers, asset admission, delisting and custody remain separate conditions.
View legal and product sources
Coinbase
luxembourg mica crypto service with separate irish e money service- Market status
- available with identity asset payment execution custody and mica conditions
- Legal entity
- Coinbase Luxembourg S.A. for cryptoasset services; Coinbase Ireland Limited for cited e-money services
- Product note
- Coinbase Luxembourg provides MiCA-authorised cryptoasset services for German customers while Coinbase Ireland provides cited e-money services. The exchange is not a German bank or proof of every sending account's compatibility.
- Protection model
- Coinbase e-money and cryptoassets have separate legal treatment; cryptoassets are not bank deposits.Identity, payment method, cash availability, fees, order type, assets, networks, custody and account restrictions apply.
View legal and product sources
Wise
belgian payment account with outgoing crypto platform restriction- Market status
- outgoing crypto platform transfers unavailable incoming narrowly conditional
- Legal entity
- Wise Europe SA
- Product note
- Wise does not permit outgoing account transfers to crypto platforms. Incoming payments from regulated UK or EU platforms remain discretionary, and the cited guidance explicitly excludes named platforms.
- Protection model
- Ordinary Wise Europe funds are safeguarded rather than deposit-insured; Wise does not custody crypto for this account.Conditional incoming payments are not outgoing permission, an exchange endorsement, card approval or crypto custody.
View legal and product sources
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Protection boundary
Deposit protection ends before the crypto order begins.
Eligible deposits at N26 Bank SE can fall within Germany's statutory deposit guarantee, generally up to EUR 100,000 per customer per institution under the cited BaFin and EdB materials. Eligible bunq deposits instead follow the Dutch Deposit Guarantee, and eligible Revolut Bank UAB deposits follow Lithuania's scheme even when the account is serviced through its German branch. The legal bank, depositor, product, account capacity and aggregated balance determine coverage. An app name or German IBAN does not determine the guarantee system by itself.
None of those schemes covers a cryptoasset merely because the purchase starts from an insured account. N26's product passes pricing, execution and custody to Bitpanda. bunq's product passes execution and custody to Kraken. Revolut's crypto contract sits with RDAEL. Coinbase separates its Luxembourg crypto service from its Irish e-money service. Wise safeguards ordinary payment-account funds and does not provide the outgoing crypto route described here. At every transfer, identify the entity that owes the balance and the complaint or recovery channel that applies to that stage.
N26 deposit
German statutory protection can cover an eligible bank deposit, not Bitpanda-custodied crypto.
bunq deposit
Dutch DGS rules follow bunq B.V.; Kraken execution and custody remain outside that deposit.
Revolut deposit
Lithuanian deposit insurance can cover eligible Revolut Bank UAB deposits, not RDAEL crypto.
Wise balance
Safeguarding is not deposit insurance and does not authorise outgoing transfers to crypto platforms.
Action and cost matrix
The cheapest-looking percentage is not the full transaction cost.
Entity, spread, plan, order type, hold and custody must be checked in the live confirmation flow.
N26 Crypto
N26's observed German page lists a standard transaction fee of 1.5% for Bitcoin and 2.5% for other coins, with a higher cited rate for specified low-liquidity assets and discounts for an eligible Metal plan. Those are product disclosures, not a promise that every asset, customer or order receives the headline rate. Bitpanda supplies the price and holds the supported crypto. Review the precise asset, quantity, fee, exchange value and resulting holding before confirmation, and treat volatility or total loss as separate from the transaction fee.
bunq Crypto
bunq's observed schedule lists plan-based service fees of 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite. The buy-sell spread and market movement remain separate economic effects, so the lowest service-fee percentage is not automatically the lowest total cost. The current flow uses an eligible euro account, starts from EUR 1 under the cited FAQ, requires Kraken verification and can hold sale proceeds for 24 hours through Safety Shield. Confirm the current plan and final price in-app.
Revolut and Coinbase
Revolut publishes minimum or variable crypto exchange fees that depend on plan and trade value, while the variable exchange rate is a separate input. Its authenticated preview is the decision point. Coinbase Advanced maker and taker fees depend on order type and the current rolling-volume tier; simple trades, spreads, network charges and other services use separate treatment. A static comparison cannot calculate either customer's final execution cost without live order details, and neither fee model proves investment value.
Operational sequence
Verify the customer, funding account and custody destination separately.
An eligible app user can still be ineligible for a particular crypto feature. Residence, age, identity status, account type, product rollout, plan, risk review and the supported asset list can all change the available flow. bunq requires a Kraken verification step and an eligible euro account. N26 sends the customer through its Trading and Crypto flow. Revolut separates bank onboarding from RDAEL product eligibility. Coinbase applies its own identity, payment-method and service conditions. Complete each provider's official flow honestly; another provider's approval cannot substitute for it.
Before confirming, save the legal entity, observed product state, order type, asset, amount, price, spread or fee, custody model and any hold or withdrawal restriction. After selling, do not assume the proceeds are immediately withdrawable: bunq's cited Safety Shield can hold them for 24 hours, and other services can apply compliance or security reviews. Availability today is not permanent compatibility. Recheck the live interface whenever the entity, terms, asset, network or destination changes.
- 01Confirm German residence and personal-account eligibility in the official app.
- 02Read the crypto provider's identity and contract disclosure before funding.
- 03Check the exact euro account, asset, order type, fee, spread and custody party.
- 04Review holds, withdrawal support and complaint routes before confirmation.
- 05Keep the order receipt and current terms; never repeat a pending instruction blindly.
Failure, stale and unavailable states
A restriction is not an invitation to disguise the payment.
Preserve the exact state and use the provider responsible for that stage.
Feature unavailable
If Crypto is missing from N26, bunq or Revolut, treat the product as unavailable for that account. Check residence, account type, verification and current rollout through official support. Do not infer eligibility from a screenshot, another customer's account or a generic marketing page. Coinbase availability also remains conditional on its current German agreement, approved assets and account state.
Wise transfer blocked
Wise's cited policy blocks outgoing account transfers to crypto platforms. Conditional incoming treatment does not reverse that direction, and a Wise card follows a different region- and transaction-specific policy. Do not route the payment through another person, misdescribe the recipient or layer accounts to evade the restriction. Preserve the funds and choose only a separately documented lawful route.
Order pending or failed
Record whether funding, order submission, execution, settlement or withdrawal is pending. The bank cannot resolve a Kraken, Bitpanda, RDAEL or Coinbase execution state merely because its app opened the flow. Avoid duplicate orders. Use the official reference and contact the entity named for that stage after checking any published hold or processing condition.
Sale proceeds held
A completed sale and an available bank balance are different states. bunq's Safety Shield can hold proceeds for 24 hours. Security, compliance or payment reviews may produce other temporary restrictions. Read the timestamp and status before attempting another sale or transfer. A hold is not proof of loss, and repeated instructions can complicate recovery.
Asset suspended or delisted
Revolut's trading rules say admission, monitoring and delisting can change because of law, liquidity, security or third-party support. Other providers also retain supported-asset conditions. Separate the ability to hold, sell, buy, deposit and withdraw; one available action does not prove the others. Follow the product notice rather than assuming prior availability continues.
Suspected scam or account takeover
Stop before authorising another instruction, secure the relevant accounts and contact the current provider through its official channel. Preserve recipient details, order IDs, device alerts and messages. Never share a seed phrase, authentication code or remote screen access. Deposit protection does not reimburse market loss or guarantee recovery of an authorised crypto scam.
Decision walkthroughs
Six German crypto activities require six separate checks.
These examples classify operational evidence; they are not investment, tax or personalised financial advice.
German bank and occasional in-app purchase
N26 is the direct German-bank example in this set, but its crypto is still a Bitpanda product. Compare the live order preview, asset, fee and custody disclosure. Keep only eligible cash deposits inside the bank-protection analysis; once exchanged, the value is a volatile cryptoasset outside that guarantee. The integration can reduce interface steps without reducing product risk.
Euro account with plan-based crypto fees
bunq documents the clearest plan-fee ladder, but a lower service fee does not by itself justify paying for a higher plan or placing an order. Include plan subscription cost, spread, expected activity, Kraken verification and custody, and the 24-hour proceeds hold in the decision. Confirm that the exact euro account can fund the product before moving money.
Integrated trading plus Revolut X
Revolut can fit a customer who wants group-integrated bank and RDAEL trading functions, provided the entity split is acceptable. Read the current fee preview and asset rules, and distinguish the Revolut Bank UAB deposit from RDAEL custody. MiCA-aligned trading rules do not promise continuous listing, liquidity, execution or a protected investment return.
Exchange-first use
Coinbase is the exchange-first comparison, not a bank recommendation. German customers use the cited Luxembourg MiCA crypto entity and separate Irish e-money entity. Verify the current payment method, cash state, order type, fee tier, custody and withdrawal rules. A successful Coinbase account does not prove that Wise or any other sending provider permits the funding route.
Using Wise for ordinary multicurrency payments
Wise may remain useful for its supported non-crypto payment functions, but its outgoing account transfer is unavailable for crypto platforms under the cited policy. Do not call the account crypto-friendly because some incoming payments or card transactions may be considered separately. Direction, rail, recipient, region and live review must all match the published rule.
Business treasury, client money or professional trading
This page's consumer product evidence does not establish business eligibility, client asset permission, treasury suitability or professional trading access. Company account terms, authorised users, source-of-funds evidence, accounting, tax and regulatory duties can differ. Obtain relevant legal and tax advice rather than adapting a personal in-app feature or using a personal account for company activity.
Approved evidence
Every conclusion keeps its provider, entity, action and observation date.
Entities, fees, assets, custody, restrictions and protection need launch-time and material-change reverification.
N26 Germany crypto evidence
N26 is displayed as german bank with separate bitpanda powered crypto service.
- 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.
- 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.
- 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.
- 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.
bunq Germany crypto evidence
bunq is displayed as dutch bank account with separate kraken powered crypto service.
- 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.
- 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.
- 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 crypto evidence
Revolut is displayed as lithuanian bank account with separate rdael mica crypto service.
- 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.
- 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 crypto evidence
Wise is displayed as belgian payment account with outgoing crypto platform restriction.
- 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.
- 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.
Coinbase Germany crypto evidence
Coinbase is displayed as luxembourg mica crypto service with separate irish e money service.
- 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 and cross-border deposit-protection evidence
- 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.
- 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.
- 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.
Unavailable or deliberately not inferred
- A universal crypto-friendly ranking, score, winner or permanent compatibility label.
- A guarantee that any account, asset, order, transfer, card transaction or withdrawal succeeds.
- Deposit-guarantee coverage for cryptoassets, market loss, exchange failure, scams or custody loss.
- A Wise outgoing workaround or permission inferred from conditional incoming or card treatment.
- Customer-specific tax, profit, total cost, support quality, recovery outcome or investment suitability.
- A recommendation to buy, stake, leverage, bridge or move any asset into self-custody.