Earn interest in BTC
Your Euro balance at 21bitcoin earns daily interest. You receive interest monthly - optionally in Bitcoin at no extra cost*.
¹Die Volksbank Raiffeisenbank Bayern Mitte eG gewährt die Zinsen; 21bitcoin gibt sie weiter und tauscht sie auf Wunsch in Bitcoin um. Variabler Zinssatz. Investments bergen risks.
*Interest is provided by Volksbank Raiffeisenbank Bayern Mitte eG; 21bitcoin passes it on and converts it to Bitcoin upon request. Variable interest rate. Investments involve .
1.21% interest p.a. on your balance
Free interest credit & conversion
We pass the interest from our partner bank on to you in full. The automatic conversion of your interest into Bitcoin is also free of charge.
Extra Bitcoin every month
Choose automatic Bitcoin conversion and stack extra sats with every monthly interest payment. Alternatively, you can keep your interest in euros.
Your funds remain available
Your euros remain available for Bitcoin purchases, savings plans, limit orders & withdrawals. No fixed terms or minimum balance required.
Your Euros are generating Bitcoin
Your Euro balance, which is already waiting for your next savings plan or limit order purchase, is now working for you and stacking sats. You receive 1.21% p.a. on your Euro balance.
How much Bitcoin bonus is in your balance?
Depending on your balance, holding period, and purchase volume, these credits can partially or fully offset your trading fees.
Get started in 3 steps
Deposit EUR for free
Deposit 24/7 in seconds for free - available immediately.
Generate interest
Confirm on the main screen of the 21bitcoin app that you would like to earn interest.
Earn interest
Choose whether you would like to receive interest in BTC or EUR.
A partnership that goes further
Bitcoin meets banking: Together with Volksbank Raiffeisenbank Bayern Mitte eG, we combine first-class bitcoin services with the euro infrastructure of an established German bank.
Bank interest that turns into Bitcoin
Bank interest
Volksbank Raiffeisenbank Bayern Mitte eG provides the interest.
We pass on interest 1:1
21bitcoin passes the interest on to you in full and, if you wish, handles the free conversion into Bitcoin.
No crypto interest strategy
To generate interest, neither your Bitcoin nor your Euro balance is lent out or used for DeFi or crypto trading strategies.
FAQ
Your Euro balance earns interest. We credit your interest in Euros and, if you wish, automatically convert it into Bitcoin.
You currently earn 1.21% interest per year on your euro balance, before taxes. The interest rate is variable and subject to change.
As an eligible customer, you can activate the interest feature in the 21bitcoin app. Deposit euros and choose whether you would like to receive your interest in euros or bitcoin.
No. Transferring your interest is free of charge. There are also no fees for the optional conversion into Bitcoin.
No. There is no minimum amount and no fixed commitment. Your euro balance remains available at all times.
Yes. Euro balances held for open limit orders or Auto-Invest plans also earn interest.
Volksbank Raiffeisenbank Bayern Mitte eG provides the interest. 21bitcoin passes it on to you.
No. Neither your Bitcoin nor your euro balance are lent out for this purpose. No crypto lending or DeFi strategies are used.
The interest feature is currently available to private customers in Germany and Austria. You can activate it directly in the 21bitcoin app.
If you activate the interest feature by 8:00 PM CET, interest will begin accruing on the same day. If activated later, it will start the following day. Interest is earned on your available euro balance.
Yes. You can change your payout method in the 21bitcoin app at any time. Your new selection will apply to the next interest payout.
The interest rate is variable and may rise or fall. We will notify you directly in the 21bitcoin app of any changes.
Your 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, your Euro interest will be automatically converted into Bitcoin free of charge.
Our partner bank currently withholds 26.375% of interest as German capital gains tax, including the solidarity surcharge. You will be credited with the remaining amount.
This deduction does not automatically fulfill your tax obligations in your country of residence. If you are a tax resident of Austria, you must include your interest income in your tax return.
The respective tax regulations apply in other countries. Whether German tax can be credited or refunded depends on the applicable rules and any potential double taxation agreement. You are responsible for any necessary declarations and potential applications.
Disclaimer
21bitcoin does not provide tax advice.
Volksbank Raiffeisenbank Bayern Mitte eG provides the interest; 21bitcoin passes it on and converts it into Bitcoin upon request. Variable interest rate. Investments involve risks.
Interest is subject to German capital gains tax withheld by the credit institution (capital gains tax plus solidarity surcharge, currently totaling 26.375%). Church tax is not withheld. The credit to the customer is made after the withheld taxes have been deducted. The customer is solely responsible for the tax treatment of the forwarded interest, including any potential crediting or refund of the withheld tax.
Everything for your Bitcoin
Buy Bitcoin instantly from €10
Simple, secure & MiCAR-regulated. Service fee 1.29–1.49%, no network fees on purchases, available 24/7 & withdrawable to your own wallet at any time.
Save in Bitcoin with a 0% service fee
Build your Bitcoin holdings over the long term without needing to time the market. The standard fee of 1.29% applies for the first week – from the 8th day onwards, you pay a 0% service fee permanently.
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What our customers say
Buying Bitcoin—as easy and transparent as online banking.
