.avif)
Your Bitcoin savings plan is set up. Your next limit order is waiting for the right price. The euro balance for it is ready in your 21bitcoin account. From now on, even this waiting time can contribute to your Bitcoin holdings.
With the Bitcoin Bonus you receive 1.21% p.a. interest on your euro balance*. If you wish, your interest can be automatically and fee-free converted into Bitcoin every month. Your balance remains available for your purchases and withdrawals at all times.
This is how you collect extra sats with the money that is already waiting for your next Bitcoin purchase.
Why we are introducing the Bitcoin Bonus
Those who buy Bitcoin regularly often have already deposited euros for their next purchases. Perhaps you want to fund your savings plan for the coming weeks. Or maybe you have set a target price and are waiting for your limit order to be executed.
This balance already has a purpose. With the Bitcoin Bonus, it gains an additional benefit: as long as it sits in your 21bitcoin account, it can earn interest once activated.
For us, this is part of fair Bitcoin saving. With Auto-Invest we made regular purchases fee-free from the eighth day onwards. With the Bitcoin Bonus, we are now also including the time between your deposit and your purchase.
Your benefits at a glance
- 1.21% p.a.: Your euro balance earns interest after activation. The interest rate is variable and applies before taxes.
- Additional Bitcoin every month: Have your interest converted into Bitcoin automatically and without any conversion fees.
- Your balance remains available: Continue to use it for instant purchases, Auto-Invest, limit orders, or withdrawals.
- No fixed term: Stay flexible and deactivate the feature whenever you like.
- It’s your choice: Receive your interest in euros or bitcoin. You can change your selection at any time for the next payout.
Your savings plan buys - your euro balance earns
You deposit euros regularly so that your auto-invest can be executed reliably. A portion of these funds remains in your account until the next purchase.
This is exactly where the Bitcoin Bonus complements your savings plan: your remaining euro balance earns interest. If you have chosen to convert to bitcoin, you will receive additional sats with your monthly interest credit.
From the eighth day of your active auto-invest order, savings plan purchases are subject to 0% trading fees . At the same time, your available euro balance can earn interest. You can find the current terms in our fee schedule.
You maintain your usual savings rhythm and receive an additional contribution to your bitcoin holdings.
Waiting for your target price can also pay off
With a limit order you set the price at which you want to buy bitcoin. The euro balance allocated for this purpose remains available until that price is reached.
With the Bitcoin Bonus enabled, these funds are also taken into account. You can stick to your target price while earning interest in the meantime. Once your order is executed, the funds are available for the purchase as usual.
Your buying strategy remains flexible. The time until your purchase can earn you extra sats.
Can the interest offset your trading fees?
When buying Bitcoin, what matters is how much of your money remains after Bitcoin fees. The Bitcoin Bonus adds a return to this calculation: interest on your available Euro balance.
Depending on your average balance, holding period, and purchase volume, your interest credits can partially or fully offset any purchase fees.
For example: With an average €10,000 Euro balance over one year and a consistent annual interest rate of 1.21%, you would earn €121 in interest before taxes, excluding compound interest. After the current German tax deduction of 26.375%, you are left with €89.09.
For comparison: For an instant purchase of €1,000 , the purchase fee with a referral code at 1.29% is €12.90. In this example, the interest exceeds this individual purchase fee by €76.19.
The purchase fee is still charged, but it is offset by the interest credits you earn. You can see how this works for your own balance and planned purchases here:
Bank interest that turns into Bitcoin
The Bitcoin Bonus is powered by our partnership with Volksbank Raiffeisenbank Bayern Mitte eG. Your Euro balance is held there, separate from 21bitcoin's own assets. The partner bank provides the interest, which we pass on to you 1:1 with no margin added .
Interest is earned on your Euro balance. Your existing Bitcoin is not lent out for this purpose.
Interest is calculated daily and credited at the beginning of the following calendar month after tax deduction. If you have chosen to receive your payout in Bitcoin, the Euro interest credit is automatically converted into Bitcoin at the current market price. We charge no feefor this.
This turns your interest payments into a regular increase in sats—without you having to make an additional purchase every month.
Get more out of your Bitcoin savings
With Auto-Invest, you buy regularly. With limit orders, you set your target price. Now, with the Bitcoin Bonus, the Euro balance you keep ready for these purchases also contributes to your Bitcoin savings.
You remain in control of when and how you buy. We ensure that these features work together seamlessly: from your deposited Euros to your next purchase, right through to the additional sats earned from your interest.
Activate your Bitcoin Bonus now
At launch, the Bitcoin Bonus is available to private customers in Germany and Austria .
Open the 21bitcoin app and tap "Activate interest". There, you will find the current interest rate and the terms and conditions. Then, choose whether you would like to keep your interest in Euros or have it automatically converted into Bitcoin.
Already planning your next purchase? Let your euro balance earn Sats in the meantime.
Marketing communication from FIOR Digital GmbH (21bitcoin). *Interest on euro balances is provided by Volksbank Raiffeisenbank Bayern Mitte eG and passed on by 21bitcoin. The interest rate is variable and subject to change. The EUR balance is intended for the use of crypto asset services and not as an investment. If a Bitcoin withdrawal is selected, the euro interest credit will be converted into Bitcoin. Bitcoin is subject to significant price fluctuations; losses are possible. German tax deduction does not automatically fulfill tax obligations in the country of residence. 21bitcoin does not provide investment, legal, or tax advice.
.webp)
