← Back to comparator

meinKrypto (Volksbanken Raiffeisenbanken)

DZ BANK AG (infrastructure et agrément MiCA) ; chaque banque coopérative distribue sous sa propre notification MiCA (art. 60) · Germany
Key points
Public sourceUnclaimedMiCA-licensed · Germany

Claim this listing

🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇩🇪 Germany

Regulation

Regulatory licences
MiCA licence
Licensing authority
BaFin
Registered services
  • Custody
  • Order execution
  • Transfer of crypto-assets
Register consulted
Consult the register → · verified on 07/11/2026

meinKrypto is the crypto offering of the German cooperative network of Volksbanken and Raiffeisenbanken, built into the VR Banking App. Developed by DZ BANK with the IT provider Atruvia, it lets customers of participating banks buy and sell Bitcoin, Ethereum, Litecoin and Cardano without advice. Each cooperative bank activates the service for its own customers and sets its own fee schedule; execution goes through EUWAX and custody through Boerse Stuttgart Digital Custody.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingInstant verification (KYC) : not disclosed

Available cryptos: 4

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, meinKrypto (Volksbanken Raiffeisenbanken) suits some use cases more than others.

Minimum deposit: €10Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €10. Mandatory custody: no withdrawal to a personal wallet.

Available in Germany.

03How much it costs

Deposit
SEPA transfer0 %
Trading
0,78 – 1,5 %
spread not quantifiable
Varies from 0,78 % to 1,5 % depending on the bank, not on volume
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Each cooperative bank sets its commission in its own Preis- und Leistungsverzeichnis (price and service list). Official rates recorded, namely Hannoversche Volksbank 0,78 % per purchase and per sale (minimum €10), Westerwald Bank 0,78 % and VR Bank Würzburg 1,5 % (minimum €10). Possible third-party costs are passed on in addition. Fees vary by bank, from 0,78 % to 1,5 %, and the customer must check the schedule of their own bank.

Fee source: https://atruvia.scene7.com/is/content/atruvia/PLV%20meinKryptopdf · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Custody by Boerse Stuttgart Digital Custody, execution by EUWAX, infrastructure provided by DZ BANK and Atruvia. The customer holds a position, without a private key.

05What to know before you start

Available only if the customer's cooperative bank has activated meinKrypto (rolled out bank by bank since May 2026).
Execution-only offer for self-directed investors, reserved for adults resident in Germany.
Fees vary by bank, from 0,78 % to 1,5 %. Rates recorded at 0,78 % at Hannoversche Volksbank and Westerwald Bank and at 1,5 % at VR Bank Würzburg, with a minimum order of €10.
No transfer to one's own wallet.
Each participating cooperative bank distributes the offer under its own MiCA notification (Article 60), using DZ BANK's infrastructure.
Banks in the meinKrypto network (32)

meinKrypto is distributed bank by bank. The institutions below are cooperative banks listed in the ESMA register of crypto-asset service providers and attached to the network. Whether the service is activated and its fee schedule depend on each bank, and the list is not exhaustive.

  • Donau-Iller-Bank eG
  • Hannoversche Volksbank eG
  • Raiffeisebank Auerbach-Freihung eG
  • Raiffeisen-Volksbank Ebersberg
  • Raiffeisenbank Eifel
  • Raiffeisenbank Falkenstein-Wörth
  • Raiffeisenbank Kreis Kelheim eG
  • Raiffeisenbank Rehling
  • Raiffeisenbank Wittelsbacher Land
  • Spar- und Kreditbank Rheinstetten eG
  • VBU Volksbank im Unterland eG
  • Volksbank eG (Hildesheim)
  • Volksbank eG - Die Gestalterbank
  • Volksbank Heiden eG
  • Volksbank in der Hohen Mark
  • Volksbank Mittlerer Schwarzwald eG
  • Volksbank Niederrhein
  • Volksbank Raiffeisenbank Bayern Mitte eG
  • Volksbank Raiffeisenbank Oberbayern Südost eG
  • Volksbank Raiffeisenbank Regensburg-Schwandorf
  • Volksbank Raiffeisenbank Würzburg eG
  • Volksbank Schwarzwald-Donau-Neckar eG
  • VR Bank im südlichen Franken
  • VR Bank Schleswig-Holstein Mitte eG
  • VR Bank Südpfalz eG
  • VR TeilhaberBank Metropolregion Nürnberg eG
  • VR-Bank Augsburg-Ostallgäu eG
  • VR-Bank Erding eG
  • VR-Bank Landau-Mengkofen eG
  • VR-Bank Ostalb
  • VR-Bank Rottal-Inn eG
  • Westerwald Bank eG Volks- und Raiffeisenbank

Source: ESMA register, matched by Uncrypt. List as at 07/11/2026.

No incident identified as at 07/11/2026.

Compensation transparency: affiliate partnership with meinKrypto (Volksbanken Raiffeisenbanken): Non. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is meinKrypto (Volksbanken Raiffeisenbanken) licensed under MiCA?

Yes. DZ BANK AG (infrastructure et agrément MiCA) ; chaque banque coopérative distribue sous sa propre notification MiCA (art. 60) is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: BaFin, Germany. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on meinKrypto (Volksbanken Raiffeisenbanken)?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1,5 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees checked on 07/11/2026 against the official fee schedule.

How many cryptos can you buy on meinKrypto (Volksbanken Raiffeisenbanken)?

4 crypto-assets are available on meinKrypto (Volksbanken Raiffeisenbanken).

What is the minimum deposit on meinKrypto (Volksbanken Raiffeisenbanken)?

The minimum deposit is 10 €.

Can you withdraw your crypto from meinKrypto (Volksbanken Raiffeisenbanken) to your own wallet?

No, meinKrypto (Volksbanken Raiffeisenbanken) does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on meinKrypto (Volksbanken Raiffeisenbanken)?

No, meinKrypto (Volksbanken Raiffeisenbanken) does not offer staking.

Can you schedule recurring purchases (DCA) on meinKrypto (Volksbanken Raiffeisenbanken)?

No, meinKrypto (Volksbanken Raiffeisenbanken) does not offer scheduled recurring purchases (DCA).