Best crypto exchange in Germany (2026)
In Germany you can buy crypto from a neobroker, from a Börse Stuttgart app or from a European exchange, and all six here hold a MiCA licence. They differ on fees, on savings plans and on whether you can move your coins out. Here is how they compare, and which one fits what you want to do.
None of the exchanges on this page pay us. Disclosure.
Quick picks
Best for small savings plans
Trade Republic
Crypto savings plans from €1 with no order fee, and €1 per one-off buy. Since November 2025 you can send about 50 coins to your own wallet.
Lowest trading fees
Bitvavo
0.15% to 0.25% per trade, free SEPA deposits and withdrawals, over 400 markets and savings plans from €5.
Most coins
Bitpanda
Over 650 crypto assets plus stocks and ETFs, a published 0.99% fee on Bitcoin and savings plans from €10.
From Börse Stuttgart
Bison
No order fee, savings plans from one cent and a German company behind it. You pay through the spread instead, around 1.25% on Bitcoin.
Good all-rounder
Kraken
Free SEPA deposits, a simple app at 1% and Kraken Pro from 0.40% when you want an order book.
Low fees on a big exchange
Coinbase
Coinbase Advanced charges 0.25% to 0.50% per trade in the EU since September 2026, and euros go in and out by SEPA for free.
Side by side
| Exchange | Deposit euros | Withdraw euros | Simple buy | Order book | Savings plan | Coins | MiCA licence |
|---|---|---|---|---|---|---|---|
| Trade Republic | Bank transfer, free; card free the first time, then 1% | Bank transfer | €1 per order plus spread | None | From €1, no fee | About 50 | BaFin, Germany |
| Bitvavo | SEPA, free; card or PayPal 1% | SEPA, free | Pays the order book fee | 0.15% maker, 0.25% taker | Daily to monthly, from €5 | 400+ | AFM, Netherlands |
| Bitpanda | SEPA, free | SEPA, free | 0.99% Bitcoin, 1.49% most others | Fusion: 0.25% | Weekly, every two weeks or monthly, from €10 | 650+ | FMA, Austria |
| Bison | SEPA or SEPA Instant, free; card 2.49% | Free | No fee; spread about 1.25% on Bitcoin and Ether, 1.75% others | None | Weekly, monthly or quarterly, from €0.01 | 68+ | BaFin, Germany |
| Kraken | SEPA or SEPA Instant, free | SEPA, €1 | 1% plus spread | Kraken Pro: 0.40% maker, 0.80% taker | Yes, 1% | 200+ | Central Bank of Ireland |
| Coinbase | SEPA, free | SEPA, free | Spread plus a fee, shown before you confirm | Advanced: 0.25% maker, 0.50% taker | Weekly, twice a month or monthly | Hundreds | CSSF, Luxembourg |
Order book fees are for the lowest volume tier. Simple buys also carry a spread, the gap between the buy price and the market price, except at Bitpanda, which quotes one all-in price. Trade Republic does not publish its crypto spread; Bison publishes an average. Checked on each exchange’s site or price list on Oct 31, 2026.
Each exchange in more detail
Trade Republic
Trade Republic is a Berlin neobroker and bank with a MiCA licence from BaFin. A one-off crypto buy costs €1 per order, from €10 to €10,000, plus a spread it does not publish. Crypto savings plans start at €1 and have no order fee, which makes small monthly amounts cheap.
Since November 2025 it has a crypto wallet: you can send and receive about 50 coins, with only the network fee to pay. Your crypto is held by BitGo Europe.
Bitvavo
Bitvavo, from Amsterdam, is licensed under MiCA by the Dutch AFM. It has the lowest fees here for small volumes: 0.15% for orders that wait in the book and 0.25% for orders that fill at once. SEPA deposits and withdrawals are free; cards and PayPal cost 1%.
It lists over 400 euro markets, and you can withdraw your coins to your own wallet. Savings plans run daily, weekly, every two weeks or monthly from €5, at the normal trading fee.
Bitpanda
Bitpanda, from Vienna, is licensed under MiCA by Austria’s FMA. Buying costs a published 0.99% for Bitcoin and stablecoins and 1.49% for most other coins, all in one price with no separate spread. Euros go in and out by SEPA for free.
It has the widest range here, over 650 crypto assets, plus stocks, ETFs and metals in the same app. Savings plans run weekly, every two weeks or monthly from €10. Bitpanda Fusion, its trading screen, charges a flat 0.25%.
Bison
Bison is the crypto app of Börse Stuttgart, the stock exchange group; your coins are held by Boerse Stuttgart Digital Custody, licensed under MiCA by BaFin. There is no order fee: Bison earns on the spread, which averages 1.25% for Bitcoin and Ether and 1.75% for other coins.
Savings plans start at one cent and run weekly, monthly or quarterly. It has over 68 coins, and you can withdraw them to your own wallet 24 hours after buying.
Kraken
Kraken is licensed under MiCA in Ireland. Euro deposits by SEPA and SEPA Instant are free; a SEPA withdrawal costs €1. It lists over 200 coins.
The Kraken app charges 1% for instant and recurring buys, plus a spread. Kraken Pro, with the same account, has an order book from 0.40% maker and 0.80% taker for small volumes.
Coinbase
Coinbase is licensed under MiCA in Luxembourg. Euros go in and out by SEPA for free. The simple buy screen charges a spread plus a fee that it shows before you confirm but does not publish as a percentage.
Coinbase Advanced, in the same account, is much cheaper: since 16 September 2026 it charges 0.25% to 0.50% per trade for the lowest volumes in the EU, with no spread. Recurring buys can be weekly, twice a month or monthly.
How to buy your first Bitcoin in Germany
- Create an account and verify your identity with your ID card or passport. It usually takes a few minutes.
- Send euros by SEPA transfer from your bank. With SEPA Instant they arrive in seconds where the exchange accepts it.
- Buy Bitcoin, or set up a savings plan so you invest the same amount every week or month.
- Once the amount is more than you would be comfortable losing, move it to a wallet you control.
See what weekly buying would have returned
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Is crypto regulated in Germany?
Yes. Germany applies MiCA, the EU’s crypto law, and BaFin supervises it. Only companies licensed in Germany or in another EU country may serve customers here, and all six on this page are. Binance has no MiCA licence anywhere in the EU. You can look any company up in BaFin’s or ESMA’s register.
A licence means the exchange must keep your crypto separate from its own and follow EU rules, but crypto is not covered by deposit insurance.
Taxes
Today, crypto you sell after holding it for more than a year is tax-free. Sell sooner and the gain is taxed at your personal income tax rate, unless all your private sale gains for the year stay under €1,000. Staking does not extend the one-year period. A draft from the finance ministry, not yet approved by the cabinet in October 2026, would tax crypto bought from 1 January 2027 at a flat 25% plus solidarity surcharge, however long you hold it; crypto bought before then would keep today’s rules. Since January 2026 exchanges across the EU report their users’ crypto to the tax office under DAC8. Keep a record of every buy and sell and ask a tax adviser before filing.
Questions
Which crypto exchange is best in Germany?
It depends on how you buy. For small monthly savings plans, Trade Republic (from €1, no fee) or Bison (from one cent). For the lowest trading fees, Bitvavo at 0.15% to 0.25%. For the most coins, Bitpanda with over 650.
Which is the cheapest way to buy Bitcoin in Germany?
A Trade Republic savings plan has no order fee, only the spread. For one-off buys, Bitvavo charges 0.15% to 0.25% and Coinbase Advanced 0.25% to 0.50%. Bitpanda publishes 0.99% for Bitcoin with no extra spread.
Is crypto tax-free in Germany after one year?
Yes, as of October 2026: gains on crypto held for more than a year are tax-free. A draft reform would end this for crypto bought from 2027, but it is not law yet.
Can I move my coins out of Trade Republic or Bison?
Yes. Trade Republic has let you send about 50 coins to your own wallet since November 2025, and Bison lets you withdraw coins 24 hours after buying them.