Buy Bitcoin with N26 Bank
Learn the easiest way to buy Bitcoin and other crypto with N26 Bank by using a credit or debit card, bank transfer, Apple Pay, Google Pay, and more.
Buy Bitcoin
How to Buy Bitcoin & Crypto with N26 Bank
N26 has become a go-to choice for people who prefer simple, app-based banking. If you want to buy Bitcoin with N26 Bank, you can use your N26 Mastercard to make instant purchases on CEX.IO.
This approach offers a broader selection of digital assets than N26’s in-app crypto feature and provides a regulated environment for secure trading. Below, we break down how N26 fits into your crypto journey, how to connect your card to CEX.IO, and what new users should know about fees, verification, and cashing out.
What is N26 Bank?
N26 is a fully licensed mobile bank based in Germany, offering a streamlined checking account that customers open and manage from their phone. The app provides everyday tools such as card controls, spending insights, Spaces sub-accounts, and mobile wallet support.
For eligible European users, N26 also includes access to N26 Crypto, a feature that lets customers buy and sell digital currencies directly in the app through a regulated partner. While N26 focuses on simple daily banking, users who want broader market access or a larger selection of assets often connect their N26 account to platforms like CEX.IO.
How to Buy Crypto with N26 Bank on CEX.IO
Getting started with N26 crypto trading on CEX.IO is quick and straightforward. All you need is your N26 Mastercard, a verified CEX.IO account, and a few minutes to complete the setup. Follow the steps below to begin buying Bitcoin and other digital assets securely.
Step 1: Register
Create your CEX.IO account by visiting the website or downloading the CEX.IO App. Tap Create your account, enter your email and password, choose your country of residence, agree to the Terms of Use, and confirm your email. This opens access to the platform’s core crypto services.
Step 2: Verify Your Account
To unlock deposits, purchases, and trading features, complete identity verification in the CEX.IO App. Provide basic personal details, upload a valid ID, complete facial recognition, and answer a short compliance questionnaire. Once approved, your account is ready for seamless purchases using your N26 Mastercard.
Step 3: Access Instant Buy
To buy Bitcoin with N26, follow these steps in your CEX.IO account:
- From your dashboard, navigate to Buy Cryptocurrency.
- Choose your preferred fiat currency (USD, EUR, or GBP).
- Enter the fiat amount you want to spend.
- Select BTC or another asset from the drop-down list or search bar.
- Click Buy Crypto Instantly to move to the Add Funds page.
- Click Select Payment Method and choose credit/debit card.
- Enter your N26 bank card details (card number, expiry date, CVV).
- Review your information, then click Add Card to save it for faster future purchases or withdrawals.
Step 4: Receive Crypto in Your Wallet
Once your card issuer approves the payment, your purchased crypto is automatically credited to your CEX.IO Wallet. You can hold it, convert it, or continue exploring Spot Trading and other tools within the CEX.IO ecosystem.
N26 Crypto Trading Fees
N26 offers a straightforward fee structure for in-app crypto trading. The platform charges 1.5% for Bitcoin purchases and 2.5% for most other cryptocurrencies, rising to 3.5% for lower-liquidity assets.
Customers with a Metal plan can enjoy reduced fees, paying 1% for BTC and 2% for other coins on trades up to €5,000 per month. Above that threshold, standard pricing returns. N26 also supports crypto-to-crypto swaps, applying a single reduced fee, typically around 30% lower than executing two separate trades. All pricing and spreads are provided by a third-party platform and displayed in euros, which keeps everything simple but limits flexibility.
For users who want broader market access or more competitive fees, CEX.IO provides a tiered Spot Trading structure starting at 0.25%, with rates decreasing as 30-day trading volume grows. This model can be more cost-efficient for active traders or anyone looking to explore a wider range of digital assets beyond N26’s curated selection.
N26 Crypto Withdrawal
N26 does not support direct crypto withdrawals, so users must first exchange their assets for fiat on CEX.IO. You can convert funds using CEX.IO Convert or by trading crypto for fiat on Spot Trading, then withdraw the fiat balance to your N26 Mastercard.
How to convert crypto to fiat with CEX.IO Convert:
- Log in to your CEX.IO account.
- Open Wallet.
- Select the cryptocurrency you want to exchange.
- Click Convert.
- Choose the fiat currency you wish to receive.
- Confirm the conversion.
How to withdraw fiat to your N26 card:
- Return to Wallet.
- Select the fiat currency with a balance.
- Click Withdraw.
- Choose credit/debit card.
- Enter your N26 card details.
- Review and confirm your withdrawal.
About N26 crypto fees when cashing out via CEX.IO:
Daily card withdrawals range from $20 to $50,000 for Visa and from $20 to $2,500 for Mastercard. Withdrawal commissions range from 0.49% to 4.99% plus a service charge, depending on the currency and card type.
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FAQ
Can I buy crypto with N26?
Yes, eligible customers in supported European countries can buy and sell digital currencies through N26 Crypto, a feature built into the N26 app. Trades are executed by N26’s regulated partner, and users can access a curated list of popular assets like Bitcoin and Ethereum. However, N26 Crypto is not available in every market and offers a more limited selection than full-service crypto platforms. If you want wider asset coverage, recurring purchases, or advanced trading tools, you can top up your CEX.IO account with your N26 Mastercard or via bank transfer, then purchase crypto instantly.
Is N26 Bank crypto-friendly?
Yes. When it comes to N26 and crypto, the bank is considered supportive because it offers in-app trading through N26 Crypto in select countries. The asset list is limited, so many customers use their N26 card or bank transfer to fund CEX.IO for broader crypto access and smoother purchases.
Does CEX.IO accept N26 cards?
Yes. You can use your N26 Mastercard for instant crypto purchases through CEX.IO’s Visa & Mastercard support. Simply complete verification, add your card, and buy digital assets directly without needing a separate top-up or third-party service.
How to buy crypto with N26 in the USA?
N26 no longer operates in the United States, so you can’t use an N26 account or card for crypto purchases there. If you’re in the USA and want to buy digital assets on CEX.IO, you’ll need a U.S.–based bank account or a Visa or Mastercard debit or credit card issued locally. Our platform allows U.S.-based users to buy crypto with Wells Fargo, Citibank, JP Morgan, and First Citizens Bank.
Can I buy crypto with N26 Bank Germany?
Yes. Customers in Germany can buy crypto through N26 Crypto, which is integrated into the N26 app. If you prefer a wider asset selection or more trading tools, you can also use your N26 Mastercard to purchase crypto on CEX.IO, since our exchange supports both Visa and Mastercard cards.
Why choose CEX.IO for crypto purchase?
CEX.IO is a licensed and regulated platform with more than a decade of industry experience, providing customers with a secure, established environment for buying digital assets. Every account includes a free CEX.IO Wallet to store and manage funds, available on the web and through our mobile apps for Android and iOS. This makes CEX.IO a reliable choice for users who want a smooth, mobile-first crypto experience.
Can I buy USDT with N26?
Yes. N26 customers can buy USDT on CEX.IO. After completing verification on CEX.IO, simply add your N26 Mastercard to your account and purchase USDT instantly. You can also explore more than 300 supported digital assets for a broader crypto experience.
What should I do if a crypto transaction fails?
If a crypto transaction fails, first confirm that your N26 card details and available balance are correct. Then check for any security prompts in your CEX.IO account. If the issue persists, please reach out to our Support Team with the transaction ID so we can review it and assist you in completing your purchase.