How N26 Crypto works

In Austria, N26 Crypto is powered by Bitpanda GmbH (FN423018k) as digital asset servicing provider, registered with the Austrian Financial Market Authority and located at Stella-Klein-Löw-Weg 17, 1020 Vienna, Austria.

The following statements do not constitute investment advice or any other advice on financial services, financial instruments, financial products or digital assets. They are intended to provide general information. The following statements do not constitute an offer to conclude a contract for the purchase or sale of financial instruments and financial products or an invitation to submit such an offer and to buy or sell any particular digital asset.

Cryptocurrencies are subject to high fluctuations in value. A decline in value or a complete loss are possible at any time. The loss of access to data and passwords can also lead to a complete loss.

Manage and monitor both cash and crypto in one place—from your N26 app. No need to download a new app or make a new account to start trading crypto, just scroll down from your bank account to check it out.

Try N26 Crypto in your N26 app by following these steps:

  • Tap the Finances tab and scroll to Trading
  • Select Get started with crypto and browse the coins
  • If you’re ready, hit Buy and sign up in just a minute

Tada — enjoy being a digital currency owner!

Crypto may seem like a tough nut to crack—but, as always, we’ve got your back.

N26 Crypto Fees 

Buying crypto doesn’t need to be costly. 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.

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 via phone 7 days a week.

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, regular fees apply: 1.5% on Bitcoin and 2.5% on all other coins.

Please note that 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 an order preview).

The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda. N26's liability is expressly excluded for any claim or damage arising from the formation of the prices of the assets offered by Bitpanda.

N26 Crypto Limits

he following limits apply to trading crypto on N26:

  • A €50,000 limit on daily transactions by Personal customers
  • A €100,000 limit on daily transactions by Business customers
  • 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.

If you have some questions burning a hole in your pocket, view our Crypto page with FAQs.

Good to know before getting started

In order to be able to buy and sell Crypto you have to have a correct, registered and valid Tax ID. In case you don’t know where to find your Tax ID or how to register it in your app, please visit our Support Page (new tab).