Partly. You can buy and sell crypto inside the app through Bitpanda, but nothing moves in or out, and N26 publishes no rule either way on transfers to outside exchanges.
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | no (0) | source · checked 8 September 2026 |
| Stablecoin off-ramp | no (0) | source · checked 8 September 2026 |
| Business accounts for Web3 | no (0) | source · checked 8 September 2026 |
| Custody | partial (1) | source · checked 8 September 2026 |
| Staking and yield | no (0) | source · checked 8 September 2026 |
| Card | yes (2) | source · checked 8 September 2026 |
| Multiple jurisdictions | partial (1) | source · checked 8 September 2026 |
| Open to retail | yes (2) | source · checked 8 September 2026 |
Total 6 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
| Jurisdiction | Germany · EEA |
| Type | Neobank |
| Health tag | Watch Two BaFin anti-money-laundering fines. The growth cap was only lifted in June 2024. · checked 26 August 2026 |
| P2P tolerance | Mixed A documented history of automated AML blocks, including wrongful mass closures in 2022. In-app Bitpanda cash-outs are smooth; inbound transfers from strangers are the trigger. · community-reported, separate from the score |
| Last verified | 8 September 2026 |
| 2021 | BaFin fined N26 4.25 million euros in June for late suspicious activity reports, then in November capped new customers at 50,000 a month and appointed a special representative over weak risk management. source |
| 2024 | BaFin fined N26 9.2 million euros on 21 May for systematically late suspicious activity reports during 2022. The growth cap was lifted from 1 June 2024, with the special representative staying on until the end of the year. source |
| 2025 | N26 Bank SE gained a MiCA authorisation from BaFin in May for receiving and transmitting crypto orders. In December BaFin appointed a new special representative, imposed a capital add-on and banned new Dutch mortgage lending after a special audit found poor risk and complaint management. A 15,000 euro fine over an undisclosed board loan became final in April. source |
N26 publishes no rule on it. Its help articles on why accounts get closed or blocked never mention crypto exchanges, and third-party guides describe SEPA deposits from N26 to Kraken and Binance as routine. What N26 does have is a record of automated anti-money-laundering blocks, including more than 100 accounts wrongly closed in April 2022, so large or unusual inbound transfers are the thing to watch.
No. N26 Crypto is a closed loop. The terms say the service supports no crypto-asset transfer services, so you cannot send coins out to a wallet or another exchange, and you cannot deposit coins from outside. Bitpanda holds everything in a cold wallet on your behalf.
1.5 percent of the order value on Bitcoin and 2.5 percent on other coins, rising to 3.5 percent for thinly traded ones. Metal members pay 1 percent and 2 percent on their first 5,000 euros of orders each month. Bitpanda sets the price shown in the app and may build in a spread.
No. N26 Business only serves self-employed people trading under their own name, and the company name cannot appear on the account. A crypto exchange, custodian or token issuer set up as a company has to look elsewhere.