N26

N26 Bank SE · Allemagne

Key points

Public sourceMiCA-licensed · Allemagne

Source

Official registry listing →
verified on 03/07/2026

Licence / register

Registre ESMA · notification 14/05/2025

Authority · date

Federal Financial Supervisory Authority (BaFin)
14/05/2025

Services covered

1 / 10

€100 index

≈ 3,00 €

Summary

01At a glanceRegulatory status: MiCA-licensed or not, since when→02Services & featuresWhat the app actually offers, as badges→03Who it's forLong-term holding, scheduled savings, active trading→04How much it costsTransfer, card, spread and withdrawal, in euros→05Security & custodyWhere your funds are, what recourse you have→06What to know before you startSpecifics, anomalies and affiliation→

01At a glance

N26 is MiCA-licensed by Federal Financial Supervisory Authority (BaFin) (Allemagne), notified on 14/05/2025, via N26 Bank SE. This licence is valid across the whole European Union, including France.

Source: official registry listing · verified on 03/07/2026

Néobanque allemande fondée en 2013 à Berlin par Valentin Stalf et Maximilian Tayenthal, initialement sous le nom Papayer puis Number26. Le service crypto est exploité par Bitpanda Asset Management pour le compte de N26.

02Services & features

Concrete product features, distinct from the legal scope of the licence (block 01): generated from structured data, never hand-written.

No withdrawal to personal walletSimple purchase (Simple-Buy)Integrated walletAutomatic DCAStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 200

03Who it's for

As a bank or neobroker, N26 suits some use cases more than others. What the collected data shows, never a recommendation:

Minimum deposit: €1Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €1. Mandatory custody: no withdrawal to a personal wallet.

04How much it costs

What the pricing page doesn't say: the spread is not published. Figures marked ≈ are our estimates, pending our own test-purchase measurements.

Entrée	Virement : ● 0 %🔗 Carte : ● 1 %🔗
Trading	Achat : ◐ 1,5 % (spread 1,5 % inclus)🔗
Tenue de compte	non chiffré
Sortie	non disponible

● published · ◐ estimated (spread not published, measured or estimated by Uncrypt) · ○ not available. 🔗 = link to the official pricing page and verification date for this cell.

Example: for €100 invested in BTC by bank transfer, you pay approximately €3,00 in fees (estimated spread included), or 3,00% of the amount. Simulate your case →

Fee source: https://n26.com/en-eu/crypto · verified on 02/08/2026

05Security & custody

Bitpanda assure la garde des actifs numériques (N26 agit comme distributeur, pas comme dépositaire crypto). Bitpanda dispose de ses propres agréments CASP européens.

06What to know before you start

Service crypto entièrement délégué à Bitpanda Asset Management/Bitpanda selon le marché (N26 = distributeur, pas dépositaire ni exécutant). Ni retrait vers wallet externe, ni staking — contrairement à Bitpanda en direct. ⚠️ À bien distinguer de Swissquote qui, elle, dispose de sa PROPRE infrastructure crypto et ne délègue rien à Bitpanda (confusion fréquente entre les deux à éviter). A subi une restriction de croissance BaFin (2021-2024).

Compensation transparency: affiliate partnership with N26: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).