Buy Bitcoin in Germany – from €10

You can buy Bitcoin on regulated Bitcoin platforms and cryptocurrency exchanges. When choosing one, pay particular attention to regulation, transparent fees, secure custody, and whether you can withdraw your purchased Bitcoin to your own wallet.

At 21bitcoin, you can buy real Bitcoin starting from €10. You can deposit euros via SEPA or SEPA Instant and then either leave your Bitcoin in custody or hold them yourself in your own wallet.

Yes. As soon as you have Euro funds available in your 21bitcoin account, you can buy Bitcoin around the clock – 24 hours a day, seven days a week, including weekends and outside of standard banking hours.

With SEPA Instant, you can usually deposit money from participating banks within seconds and then buy Bitcoin immediately.

Yes. At 21bitcoin, you can use a SEPA Instant or real-time bank transfer for this. With supported banks, your euro balance is usually available within a few seconds—even at night, on weekends, and on public holidays. 21bitcoin does not charge any additional fees for euro deposits.

SEPA Instant should not be confused with the former Klarna payment method "SOFORT." More about Instant deposits via SEPA Instant.

With the Bitcoin savings plan from 21bitcoin, you can make automatic Bitcoin purchases with a 0% service fee starting from the eighth day. There are also no fees for euro deposits, account maintenance, or storing your Bitcoin.

In contrast, direct purchases via Smash Buy incur a service fee of 1.29% or 1.49%, depending on your plan. The applicable costs are clearly displayed before you complete your purchase.

Fees depend on how you buy Bitcoin. For direct purchases via Smash Buy, the service fee is 1.29% or 1.49%, depending on your plan. Automatic purchases via the Bitcoin savings plan are available with a 0% service fee starting from the eighth day.

There are no additional Bitcoin network fees for the purchase itself. Withdrawing to an external Bitcoin wallet costs a flat fee of 1,000 sats at 21bitcoin. You can find all the details in the 21bitcoin fee schedule.

Yes. At 21bitcoin, you buy real Bitcoin, not CFDs or other derivatives that merely track the price performance of Bitcoin.

You can store your Bitcoin with 21bitcoin or transfer them to your own Bitcoin wallet at any time. This allows you to decide for yourself whether to use a professional custody service or keep your Bitcoin in self-custody.

Yes. With Non-Custodial Mode, you buy Bitcoin directly to your own Bitcoin wallet or hardware wallet – with no intermediate steps.

Alternatively, you can buy your Bitcoin through 21bitcoin first and use the Auto Wallet Transfer to automate withdrawals: as soon as a Bitcoin amount you have specified is reached, your Bitcoin will be automatically sent to your own wallet.

No. You don't need your own Bitcoin wallet to buy Bitcoin on 21bitcoin.

You can keep your Bitcoin with 21bitcoin for now and decide later if you want to transfer them to your own wallet. If you prefer to store your Bitcoin yourself, you can use a hardware wallet, for example.

Yes. 21bitcoin is available in Germany and is notified for the provision of crypto-asset services in accordance with Art. 65 MiCAR – viewable in the BaFin company database. You can buy Bitcoin starting at €10 and deposit euros via SEPA or SEPA Instant.

Your euro account with a personal IBAN is provided by the German VR Bank Bayern Mitte. You can either keep your purchased Bitcoin in custody or withdraw them to your own wallet.

Yes. 21bitcoin is an Austrian Bitcoin provider with MiCAR authorization from the Austrian Financial Market Authority (FMA). You can buy Bitcoin starting from €10 via SEPA or SEPA Instant.

In addition to buying Bitcoin directly, you have access to an automated Bitcoin savings plan and limit orders at your desired price available.

Yes. With 21bitcoin, you can buy Bitcoin starting from as little as €10. You don't have to buy a whole Bitcoin.

A Bitcoin is divisible into 100 million smaller units, known as Satoshis or sats. This means you can invest small euro amounts regardless of the current Bitcoin price.

Once your purchase is complete, your Bitcoin will be available directly in your 21bitcoin account. You can then choose to keep them there or transfer them to your own Bitcoin wallet.

With SEPA Instant, you can usually deposit the required Euro balance from supported banks within a few seconds.

Yes. 21bitcoin is regulated under the European Markets in Crypto-Assets Regulation (MiCAR).

When you buy through 21bitcoin, you receive real Bitcoin that is held 1:1. Euro balances are held in a secure account at the German VR Bank Bayern Mitte.

When you buy directly, you own actual Bitcoin and can transfer them to your own wallet. With a Bitcoin ETF or ETP, on the other hand, you hold a security that tracks the performance of Bitcoin or may be backed by Bitcoin.

Two differences are particularly relevant:

Ongoing costs:
Bitcoin ETFs and ETPs generally charge an annual product or management fee. These costs are incurred on an ongoing basis and reduce returns over the long term. Bitcoin itself has no annual management fee. However, fees may apply when buying, selling, or making transactions.

Taxes in Germany:
Gains from directly held Bitcoin can generally be tax-free for private individuals after a holding period of more than one year (§ 23 EStG). With Bitcoin ETFs and ETPs, however, the tax treatment depends on the specific legal structure of the product. Certain Bitcoin ETPs may also fall under § 23 EStG and can therefore be sold tax-free after the one-year holding period has expired. Other products may be treated as capital investments under § 20 EStG and be subject to capital gains tax.

If you want to store Bitcoin yourself and send it directly via the Bitcoin network, you need actual Bitcoin. ETFs and ETPs, by contrast, are primarily suitable for investors who want to gain exposure to Bitcoin through a traditional brokerage account.

Note: This does not constitute tax advice. Tax treatment depends on the specific product and your individual situation.

Pay particular attention to regulation, transparent total costs, secure custody, and whether the provider sells actual Bitcoin and allows withdrawals to your own wallet.

Bitcoin is subject to significant price volatility. Therefore, only invest money you can afford to lose, and make sure to inform yourself about the tax regulations applicable to your place of residence.

No. Buying Bitcoin does not trigger a tax event in Germany. Generally, only selling or exchanging Bitcoin is relevant for tax purposes: gains from privately held Bitcoin are tax-free after a holding period of one year. If you sell within one year, gains remain tax-free up to an exemption limit of €1,000 per year.

The holding period tracker in the 21bitcoin app shows you when your Bitcoin reach the one-year holding period. The details depend on your personal situation. Learn more: Bitcoin & Taxes in Germany.

For Bitcoin acquired on or after March 1, 2021, realized gains in Austria are generally subject to a special tax rate of 27.5% – regardless of the holding period.

Bitcoin acquired on or before February 28, 2021, are generally considered legacy assets and are subject to different tax rules. Gains from the sale of such legacy assets may be tax-free under certain conditions.

You can find more information on this in our Bitcoin tax guide for Austria.

Note: This information does not constitute tax advice. Your individual tax situation is the deciding factor.