Buy Bitcoin with N26

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & BaFin registers · How we verify · Report an error

Very crypto-friendly.

Crypto Compatibility Score: 82/100 (Excellent)

Score Breakdown:

  • Payment methods: 30/35 pts — fast deposit rails available
  • Bank transfer reliability: 23/25 pts
  • Limits: 12/20 pts
  • Cost: 10/10 pts
  • Evidence: 7/10 pts

Supported payment methods: sepa, sepa-instant

Last verified:

Quick Verdict

N26 lets you buy Bitcoin directly through N26 Crypto. For more coins or better pricing, you can also use SEPA Instant to fund a separate BaFin-registered exchange.

  • [✓]

    Can you buy Bitcoin in the app?

    Yes, via N26 Crypto

  • [✓]

    Can you fund an exchange?

    Yes, using SEPA Instant

  • [›]

    Best funding method

    SEPA Instant

  • [!]

    Potential issue

    In-app spreads can be higher than specialist platforms

Top Exchanges for N26

Step-by-step guide to buying Bitcoin with N26

N26 users can fund a BaFin licensed exchange using SEPA Ãœberweisung, with the Verwendungszweck matching the deposit reference. Follow along to get set up.

  1. Decide: N26 Crypto or a BaFin-licensed exchange
    N26 Crypto is in-app convenience; SEPA funding to an external platform can offer different pricing and features.
  2. Create your account
    Set up N26 and secure it with app authentication and two factor where available.
  3. Complete identity verification
    Finish N26 verification, and complete exchange verification if you use an external platform.
  4. For external funding, copy SEPA details
    If using an external platform, copy IBAN, BIC, and Verwendungszweck from the SEPA deposit instructions.
  5. Buy in-app or send SEPA from N26
    For N26 Crypto, open Explore then Crypto and place your buy; for external funding, tap Send then Bank transfer, add the IBAN, and include the Verwendungszweck exactly.
  6. Wait for funds to arrive
    N26 Crypto is immediate after purchase confirmation; SEPA Instant can be seconds if supported, while standard SEPA is often 1 business day.
  7. Purchase Bitcoin
    Buy BTC in-app or on the external platform once the deposit is credited.
  8. Secure your Bitcoin
    Note that in-app crypto products can restrict withdrawals, so use an external platform if you need wallet withdrawals.

[!] Troubleshooting

  • If using N26 Crypto, remember withdrawals to external wallets may be limited by the product's design, so plan for sell-back to EUR if needed.
  • For external funding, use SEPA Instant when available and keep the reference exact in the Verwendungszweck field.
  • If a transfer is delayed, check N26 transfer status in-app before resending.

Frequently Asked Questions

Can I buy Bitcoin with N26?

Yes, and N26 is different because it offers in app crypto trading through N26 Crypto powered by Bitpanda. If you prefer full exchange features, you can also fund external platforms using SEPA transfers from the N26 app. Check transfer limits before a large first deposit and start with a small test payment when adding a new recipient.

Should I use N26 Crypto or fund an external exchange instead?

N26 Crypto is convenient for buying and selling inside the app. If you want advanced order types, broader asset coverage, or deeper liquidity, funding an external exchange by SEPA transfer is usually a better fit. Choose based on whether you want simplicity in N26 or full exchange tooling.

What is N26 Instant transfer limit and how does it affect SEPA Instant deposits?

N26 publishes explicit transfer limits, including Instant transfer limits. Those limits can cap a single deposit even if your account balance is higher. If you need to move more than the Instant limit, use standard SEPA or split the deposit into multiple payments.

Does N26 require a payment reference for SEPA deposits?

It depends on the platform. Many exchanges require a payment reference to assign the deposit to your account, especially when they use pooled bank accounts. The safest rule is to follow the deposit screen exactly and treat the reference like an identifier, not a memo.

Why did N26 pause my first transfer to a crypto platform even though it was a SEPA payment?

First payments to a new recipient can be screened for fraud risk, especially when the amount is unusual for your account. This can look like a block even when N26 is simply applying extra checks. Try a smaller test transfer, then repeat with the full amount after it clears.

Is card purchase or bank transfer more reliable for crypto funding from N26?

Bank transfer is usually more consistent. Card payments can be declined with limited detail. SEPA transfers are easier to troubleshoot because you can verify IBAN, beneficiary, and reference fields.

Evidence & Verification

This page references 4 sources: N26 Crypto, N26 Transfer Limits, Bitpanda SEPA Reference. Information was compiled from official sources and user reports.

Sources:

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.