Ranked in 4 of 16 countries · Broker / app
N26 Crypto Review (October 2026): Fees, Licences and Where It Works
By Vahe Hakobyan No affiliate links
- Taker fee— Not verified
- Maker fee— Not verified
- Coins300
- CustodyCustodial; service powered by Bitpanda Asset Management GmbH, which manages the keys in cold storage
- Founded2013
- HeadquartersBerlin, Germany
Our verdict
N26 is a Berlin-based mobile bank with a full German banking licence, founded in 2013. It offers crypto trading inside its banking app, powered by Bitpanda, with more than 300 coins listed. Fees are a percentage of each trade: 1.5% for Bitcoin and 2.5% for most other coins, with a EUR 1 minimum trade.
Pros
- Crypto inside a licensed bank app
- Over 300 coins listed
- EUR 1 minimum trade
Cons
- Percentage fees higher than most exchanges
- Repeated BaFin fines and measures since 2021
- Crypto available only in selected EU countries
Where N26 Crypto works
| Country | Status | Rank | Local licence |
|---|---|---|---|
| European Union | Limited | #19 of 36 | MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland, Portugal |
| France | Available | #8 of 34 | MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland, Portugal |
| Germany | Available | #8 of 33 | MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland, Portugal |
| Spain | Available | #8 of 33 | MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland, Portugal |
| Italy | Not available | — | — Not verified |
| Netherlands | Not available | — | — Not verified |
| Poland | Not available | — | — Not verified |
How secure is N26 Crypto?
- Proof of reserves
- — Not verified
- Custody
- Custodial; service powered by Bitpanda Asset Management GmbH, which manages the keys in cold storage
Incidents since 2019
- BaFin fined N26 Bank EUR 4.25 million for anti-money-laundering violations
- BaFin fine of EUR 9.2 million became final over late suspicious-transaction reports in 2022
- BaFin ordered measures over organisational deficiencies, including a special commissioner and higher capital requirements
Crypto held on a platform is generally not covered by deposit insurance.
N26 Crypto FAQ
Where is N26 Crypto available?
Among the countries we cover it accepts residents of European Union, France, Germany, Spain. It is not available in Italy, Netherlands, Poland.
Is N26 Crypto regulated?
European Union: MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland, Portugal. France: MiCA CASP authorisation, N26 Bank SE (BaFin, Germany), notified 14/05/2025; passported to Austria, Belgium, Spain, France, Ireland…
Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.