Buy & understand Bitcoin

Yes. You can deposit existing Bitcoin from your own wallet or another platform directly to your 21bitcoin account.

You can find your personal Bitcoin deposit address in the 21bitcoin app. Simply send your Bitcoin to this address, and they will be credited to your account once confirmed on the Bitcoin network.

In short: In Austria, yes, completely automatically. In Germany and the rest of the world, we support you with ready-made reports, but you are responsible for filing the actual tax return yourself.

🇦🇹 Austria

Yes, 21bitcoin simplifies tax compliance. Since January 1, 2024, Austrian crypto brokers are legally obliged to automatically deduct capital gains tax (KESt) – and that's exactly what we do for you. For profits from the sale of Bitcoin, we withhold the 27.5% KESt and remit it directly to the tax authorities. You don't have to declare your Bitcoin profits yourself in your tax return and don't have to worry about anything.⁠⁠⁠⁠​

🇩🇪 Germany

In Germany, we do not automatically deduct any taxes – this is not legally mandated here. However, we make filing your tax return as easy as possible for you: With a single click, you can export your account statement and your complete transaction history as a PDF or CSV. Good to know regarding German law: Profits are tax-free after a holding period of more than one year (§ 23 EStG). If you sell earlier, profits are subject to your personal income tax rate, provided the tax-free allowance of €1,000 per year is exceeded.⁠⁠⁠⁠​

🌍 Rest of the World

Outside of Austria, we do not automatically deduct any local taxes. However, you can always access your account statements and tax reports (PDF & CSV) for any period, which you can use for your tax declaration according to the respective national rules.⁠⁠​

Note: This information is for general guidance only and does not constitute tax advice. For your individual situation, please consult a tax advisor.

21bitcoin is designed with multi-layered security:

• 🏛️ Regulated & licensed: 21bitcoin is operated by FIOR Digital GmbH and is authorized as a Crypto Asset Service Provider under MiCAR by the Austrian Financial Market Authority (FMA). We are headquartered and regulated within the EU—no offshore structures.
• 🔒 Professional custody: Your Bitcoin are held using a combination of hot, warm, and cold wallets. For the technical custody of cold wallet keys, 21bitcoin partners with BitGo Europe as a MiCAR-regulated sub-custodian. Customer Bitcoin are clearly assigned to each individual customer, strictly segregated from 21bitcoin’s own holdings, and never used for our own purposes. The BitGo custody infrastructure is covered by insurance of up to $250 million, subject to the respective insurance terms.
• 🏦 Your Euros at a real bank: For your Euro deposits, you receive your own virtual IBAN at VR Bank Bayern Mitte, a regulated German cooperative bank. This ensures your Euro infrastructure is handled by an established bank in Germany.

Additionally, you can transfer your Bitcoin to your own wallet at any time and take full control of your private keys. And because 21bitcoin exclusively offers Bitcoin, you are not exposed to the additional risks associated with altcoins or speculative tokens.

Both models describe who controls the private keys of your Bitcoin. With 21bitcoin, you don't have to choose; you get the best of both worlds.

At 21bitcoin: By default, your Bitcoin are held in insured custody (1:1 with BitGo, $250M covered). However, you can withdraw them to your own wallet at any time and thus switch to full self-custody. This way, you combine institutional security with complete self-determination; you decide.

21bitcoin is our Bitcoin platform for retail customers to buy, sell, and store Bitcoin.

21private is designed for private clients with larger Bitcoin holdings or transaction volumes, offering personalized support, OTC execution, and customized terms.

21business is intended for companies that want to buy or hold Bitcoin for business purposes or utilize related Bitcoin services.

21bitcoin offers a cost-efficient and transparent fee structure starting at 0.79%. Fees vary depending on purchase and account type. 21bitcoin charges no monthly account fees, no administration fees, no deposit fees, no Bitcoin custody fees and no account opening fees. See our fees & benefits page for more information.

21bitcoin is licensed by the Financial Market Authority FMA Austria as a crypto asset service provider according to MiCAR.

21bitcoin focuses exclusively on Bitcoin. This allows us to align our technology, security architecture, and product development with a single network—rather than offering hundreds of cryptocurrencies and tokens.

Bitcoin is based on an open network with a transparently defined maximum supply of 21 million bitcoin.