Purchasing cryptocurrency via N26 Bank is now easier than ever because of N26’s quick digital banking features and seamless SEPA integration!
Now N26 customers can digital transfer euros to leading crypto exchanges and purchase Bitcoin, Ethereum, and other digital assets as quickly as N26 customers can make purchases online!
In this digital guide N26 customers will learn how to fund their accounts, select a reliable platform, and confidently trade crypto online!
What Is N26?
N26 is a digital bank based in Germany and a trailblazer in online banks. As a fully digital bank, N26 offers the first fully digital and fully transparent mobile banking services in Germany. N26 also mobile and fully integrates budgeting tools.
Having Wise built into their platform is a huge boon for avoiding expensive international transfers. For this reason, N26 is very popular with international travelers, freelancers, and other businesses that prioritize reasonable and innovative banking.
Can I Buy Crypto with N26 Bank?
N26 customers are provided the ease of buying and selling cryptocurrencies directly within the N26 app through an integrated N26 Crypto feature powered through Bitpanda. This offers the simple use of external wallets for major cryptocurrencies such as Bitcoin, Ethereum, and Solana.
Investors should be aware that N26 offers considerably higher transaction fees for cryptocurrency compared to traditional exchanges, with N26 ranging fees from 1% to 3% as higher transaction fees. Furthermore, investors looking for lower fees and broader asset sections usually tend to transfer from N26 to regulated digital currency platforms.
How to Buy Crypto with N26 Bank?
Create your Coinbase Account.
Sign up on Coinbase and have your identity verified with KYC. Secure your account with two-factor authentication to maximize safety for future transactions.
Get your Coinbase Bank Account Info.
Go to “Payment Methods” in Coinbase, select “SEPA Transfer”, and copy the unique bank details and account funding reference code given to you.
Initiate your Transfer from N26.
Open your N26 app and start a SEPA transfer. Enter Coinbase’s bank details and your reference code. Confirm to match your deposit correctly.
Await the Funds
Transfers from N26 to Coinbase are SEPA-processed in 1-2 business days when payments are processed, verified, and securely credited to the account.
Purchase your Cryptocurrency on Coinbase.
Once the funds are in your account, select your cryptocurrency–Bitcoin or Ethereum–enter the amount you wish to purchase and confirm your order.
Crypto Trading Fees
Investing through external platforms using N26 and understanding the fees attached to it. Here is the fee structure for eToro:
Transaction Costs: eToro has a straightforward fee structure and charges a 1% fee for every trade on the crypto eToro. Investors know the fees ahead of time and there are no surprises.
Market Spread: eToro does not charge any additional spreads but there is a market spread that consists of the ‘buy and sell price gap’.
Withdrawal Fees: There are no fees for withdrawing funds in EUR for transfers from eToro to your N26 account.
With clearly stated fees and no concealed charges, customers of N26 who manage their cryptocurrency portfolio through eToro can do it confidently.
Where can I buy Bitcoin with N26?
1. Bitpanda
Established in October 2014, Bitpanda provides a user-friendly platform for purchasing Bitcoin, Ethereum, and other digital assets. Since Bitpanda supports credit cards, wire transfers, SEPA, Skrill, and Neteller, customers have multiple payment options.
For European traders, it is even convenient for N26 users who deposit euros through SEPA transfers. Bitpanda is generally recognized for having relatively low fees, which is true; however, fees are not presented clearly, as they are incorporated into the buying price.
Bitpanda is a reliable and trusted platform, however, the service is only available for people residing in Europe.
2. Kraken
Founded in 2011, Kraken is one of the largest and most reputable cryptocurrency exchanges global with headquarters in the United States. Kraken supports fiat-to-crypto trading and SEPA transfers, so N26 cardholders can deposit funds without any issues.
All the major cryptocurrencies, and others such as Ripple, Litecoin, Monero, and ICONOMI are available on the Kraken exchange. Advanced trading options like margin trading and staking are available for Kraken users.
Kraken is a trusted global platform as it is reliable and offers professional trading tools. Kraken is suitable for all types of investors in crypto as it offers a diversified range of services, tools, and cryptocurrencies.
3. CEX.IO
CEX.IO was founded in 2013. It was among the first crypto exchanges and is now the home to over 3 million members. CEX.IO is known to have a mixed reputation because of customer support issues, but the trading services remain good.
CEX.IO is also known to have flexible and varied payment options, which include Visa, Mastercard, Epay, Advcash, Skrill, Bank Transfer, ACH, SEPA, Faster Payments and Qiwi. CEX.IO trades in the major cryptocurrencies, but the selection of altcoins is limited.
Overall, CEX.IO is reliable because of the good security, low fees and flexible deposit options, regardless of the customer support issues, KYC, and poor selection of altcoins.
4. Paxful
Paxful is a peer-to-peer Bitcoin marketplace where users can purchase and list Bitcoin trades at the times and prices they choose, which makes Bitcoin trading adaptable to the user’s needs.
Bank transfers, PayPal, gift cards, and 350 other payment options make trading where ever the user is very simple. The simple design, security, and varying options from different sellers make it user-friendly.
On the other hand, the complexity of the system can lead to scams, and the fees can be very high. Overall, Paxful offers the most flexible options in the world to make Bitcoin trading as simple as possible.
Currencies Supported For Sending And Receiving Money
Supported currencies for sending and receiving payments include:
AED, AUD, BGN, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, INR, JPY, MYR, NOK, NZD, PLN, RON, TRY, SEK, SGD, USD.
Countries You Can Send Money To With N26
N26 allows customers to send and receive payments to/from bank accounts in Argentina, Australia, Bangladesh, Benin, Brazil, Bulgaria, Burkina Faso, Canada, Chile, China, Colombia, Croatia, Czech Republic, Denmark, Egypt, Europe, Georgia, Ghana, Guinea-Bissau, Hong Kong, Hungary, India, Indonesia, Israel, Ivory Coast, Japan, Kenya, Liechtenstein, Malaysia, Mali, Mexico, Morocco, Nepal, New Zealand, Niger, Nigeria, Norway, Pakistan, Peru, Philippines, Poland, Romania, Russia, Senegal, Singapore, South Africa, South Korea, Sri Lanka, Sweden, Switzerland, Thailand, Togo, Turkey, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Vietnam, and Zambia.
Final Thoughts
Purchasing cryptocurrency through N26 Bank is straightforward and safe provided you use reliable exchanges such as Coinbase, Bitpanda, or Kraken. N26 users can fund their accounts and buy Bitcoin and Ethereum without hassles since N26 accommodates SEPA transfers.
The most important thing is to find a dependable platform that suits your trading requirements—be it low trading fees, several payment methods, or sophisticated features.
With quick N26 transfers, users across Europe can easily access the crypto market. To have the best experience, always check the fees, prioritize safety, and trade responsibly.
FAQ
No, N26 does not sell cryptocurrency directly. You need to use a crypto exchange like Coinbase, Bitpanda, or Kraken, which allows deposits via SEPA transfers from your N26 account.
Through exchanges linked to N26, you can buy popular cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), and more, depending on the platform.
Log in to your N26 app, choose SEPA transfer, and enter the exchange’s bank details with your unique reference code. Funds usually arrive within 1–2 business days.
N26 itself does not charge fees for SEPA transfers within Europe. However, exchanges may include fees in the buy price or charge trading/deposit fees. Always check the exchange’s fee structure.
Yes, N26 is a regulated German bank with secure banking features. Ensure you use trusted exchanges and enable two-factor authentication for added security.