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Sparkasse (Krypto powered by Deka)

DekaBank Deutsche Girozentrale (prestataire réglementé) ; distribution via les Sparkassen participantes · Germany
Key points
Public sourceUnclaimedMiCA-licensed · Germany

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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
Number of customers
≈ 50 000 000

Regulation

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

"Krypto powered by Deka" is the crypto offering of the German savings banks (Sparkassen), built into the "Sparkasse" app under "Anlegen". Customers of a participating Sparkasse open a crypto account with DekaBank, the group's securities house, and can buy and sell Bitcoin, Ethereum, Solana, XRP and Polygon for €0,99 per order, plus a spread. Launched on 19/10/2026 in five Sparkassen, the offer is being rolled out gradually, savings bank by savings bank, at a rate of 30 to 40 additional banks per month.

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)

Available cryptos: 5

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Sparkasse (Krypto powered by Deka) suits some use cases more than others.

Minimum deposit: not disclosedMobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Mandatory custody: no withdrawal to a personal wallet.

Available in Germany.

03How much it costs

Deposit
SEPA transfer0 %
Trading
0 % + 0,99 €
spread not quantifiable
Holding

No known holding fees

Exit

not disclosed

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

Fixed transaction fee of €0,99 per order (purchase or sale), set by DekaBank for all Sparkassen. A house spread on the market reference price is added, not quantified by DekaBank (pricing information of September 2026). The fixed fee weighs heavily on small orders, as €0,99 represents 3,96 % of €25, 1,98 % of €50 and 0,99 % of €100.

Fee source: https://www.deka.de/site/dekade_deka-gruppe_site/get/params_E779670820/25183908/Preisinformation%20f%C3%BCr%20Kryptowerte.pdf · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

DekaBank handles trading and custody (collective safekeeping, held in a fiduciary capacity). Liquidity is provided by Boerse Stuttgart Digital. The customer has no access to the private keys.

05What to know before you start

Offer rolled out gradually, savings bank by savings bank. It is available only if the customer's Sparkasse has activated it (each savings bank decides) and the customer holds a current account there.
Launched on 19/10/2026 in five Sparkassen, then 30 to 40 additional banks per month according to the press.
"Execution-only" offer reserved for adult self-directed investors.
Fixed €0,99 per order, i.e. 3,96 % on a €25 order.
The cryptos are held at DekaBank, which provides for delivery to an external wallet address at no charge, with minimum amounts per asset. Maximum order of €250 000.
No incident identified as at 07/11/2026 (service launched on 19/10/2026).

Compensation transparency: affiliate partnership with Sparkasse (Krypto powered by Deka): Non. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Sparkasse (Krypto powered by Deka) licensed under MiCA?

Yes. DekaBank Deutsche Girozentrale (prestataire réglementé) ; distribution via les Sparkassen participantes is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: BaFin, agrément de DekaBank, 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 Sparkasse (Krypto powered by Deka)?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,99 €, 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 Sparkasse (Krypto powered by Deka)?

5 crypto-assets are available on Sparkasse (Krypto powered by Deka).

Can you withdraw your crypto from Sparkasse (Krypto powered by Deka) to your own wallet?

No, Sparkasse (Krypto powered by Deka) does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on Sparkasse (Krypto powered by Deka)?

No, Sparkasse (Krypto powered by Deka) does not offer staking.

Can you schedule recurring purchases (DCA) on Sparkasse (Krypto powered by Deka)?

No, Sparkasse (Krypto powered by Deka) does not offer scheduled recurring purchases (DCA).