Neobanks with crypto in 2026: your current account and Bitcoin in one app
Neobanks are banks without branches that run your account entirely through an app. Five of them also let you buy cryptocurrencies right next to your current account: N26, Revolut, bunq, Vivid Money and Trade Republic. We checked all five on the providers' own websites on 10 November 2026 and rated them on the same criteria: crypto offering, cost per purchase, account plans, interest on your balance, deposit protection and the app. Prices below are those for customers in Germany; they can differ in your country.
The verdict in one sentence per provider:
- Revolut (rating 4.3): the widest crypto offering with over 300 tokens, staking and withdrawals to your own wallet, plus five plans from €0 to €65 a month.
- N26 (rating 4.0): a German licensed bank with over 300 coins via Bitpanda and the simplest app, but at 1.5% per Bitcoin purchase more expensive than its rivals.
- bunq (rating 3.8): a Dutch licensed bank with over 350 coins via Kraken and the lowest percentage fee in this comparison, 0.25% on the Elite plan.
- Vivid Money (rating 3.6): over 150 coins, crypto from 0.75% with Prime and interest of up to 2%, but legally an e-money institution rather than a bank.
- Trade Republic (rating 2.9): the best interest at 2.5% on an unlimited balance and crypto for €1 per order, but only 50 coins and a spread built into the price.
The table above shows fees, licences and companies at a glance. Below we compare account plans, interest and deposit protection, explain what the numbers mean in practice, work out the cost of a €1,000 Bitcoin purchase with each provider and show from which monthly volume a paid plan pays for itself.
What is a neobank?
A neobank is a bank or financial institution that offers its services purely digitally. Instead of branches there is an app, instead of an advisor a chat. Neobanks come out of the fintech sector and are also called mobile banks, digital banks or challenger banks, because they challenge traditional banks with lower costs and faster processes. What sets them apart from classic online banks is that the smartphone is the only way in: account opening by video or ID scan within minutes, real-time notifications for every payment, sub-accounts for saving and a debit card that is ready in Apple Pay or Google Pay straight away.
For the safety of your money, the licence matters. A neobank with its own banking licence is covered by the statutory deposit guarantee of up to €100,000 per customer. Other providers work as e-money institutions or with a partner bank, and then protection applies only to the balance held at that partner bank. In this comparison N26, Trade Republic, bunq and Revolut are licensed banks in the EU, while Vivid Money is an e-money institution with a partner bank.
The five neobanks with crypto at a glance
| Neobank | Plans per month (Germany) | Crypto | Fee per crypto purchase | Interest | Deposit protection | Rating |
|---|---|---|---|---|---|---|
| Revolut | €0, €2.99, €8.99, €15.99, €65 | over 300 tokens | 1.49% to 0.49% plus spread | savings, rate depends on plan | €100,000 (Lithuania) | 4.3 |
| N26 | €0, €4.90, €9.90, €16.90 | over 300 coins (Bitpanda) | 1.5% Bitcoin, 2.5% other coins | savings, rate depends on plan | €100,000 (Germany) | 4.0 |
| bunq | €0, €3.99, €9.99, €18.99 | over 350 coins (Kraken) | 1.99% to 0.25% plus spread | up to 3.11% depending on plan | €100,000 (Netherlands) | 3.8 |
| Vivid Money | €0 (if active), €6.90, €7.90 | over 150 coins | 2.00% to 0.75%, lower with volume | 3% for two months, then up to 2% | payment account €100,000 (partner bank in France) | 3.6 |
| Trade Republic | free | 50 coins | €1 per order plus spread | 2.5% on unlimited balance | €100,000 (Germany) | 2.9 |
The rating is our editorial overall score from our reviews of each provider. It is the same on every cryptoticker.io comparison page and rates the crypto side of the app: ease of use, features, fees, stability and customer service.
What does a €1,000 Bitcoin purchase cost at a neobank?
At first sight the fees look similar, but the result differs by a factor of eight. For a single €1,000 Bitcoin purchase you pay the following fee according to the providers' price lists (as of 10 November 2026). At Revolut, bunq and Trade Republic the spread, the mark-up in the price, comes on top and is not included in the table.
| Neobank and plan | Fee rate | Fee on €1,000 |
|---|---|---|
| Trade Republic (single order) | €1 flat | €1.00 |
| Trade Republic (savings plan) | no flat fee | €0.00 |
| bunq Elite (€18.99 a month) | 0.25% | €2.50 |
| bunq Pro (€9.99 a month) | 0.49% | €4.90 |
| Revolut Ultra (€65 a month) | 0.49% | €4.90 |
| Vivid Prime (€7.90 a month) | 0.75% | €7.50 |
| bunq Core (€3.99 a month) | 0.99% | €9.90 |
| Revolut Premium and Metal | 0.99% | €9.90 |
| N26 Metal (€16.90 a month, up to €5,000 volume) | 1.0% | €10.00 |
| Vivid Plus (€6.90 a month) | 1.00% | €10.00 |
| Revolut Standard and Plus | 1.49% | €14.90 |
| N26 Standard, Smart and Go | 1.5% | €15.00 |
| bunq Free | 1.99% | €19.90 |
| Vivid Standard | 2.00% | €20.00 |
For coins other than Bitcoin, N26 charges 2.5%, 2% with Metal and 3.5% for low-liquidity coins. Revolut's rates apply up to €10,000 trading volume in 30 days and fall further above that; Vivid's depend on the previous month's volume. If you invest larger amounts regularly, a crypto exchange is usually cheaper still, at the price of not having everything in your current account.
When does a paid plan pay off?
The low rates come only with a subscription. Whether it pays off through crypto fees alone depends on how much you buy each month. The break-even point is the monthly price divided by the saving compared with the free plan:
| Switch | Saving per purchase | Pays off from monthly volume |
|---|---|---|
| bunq Free to Core (€3.99) | 1.00 percentage points | €399 |
| Vivid Standard to Prime (€7.90) | 1.25 percentage points | €632 |
| bunq Free to Pro (€9.99) | 1.50 percentage points | €666 |
| Vivid Standard to Plus (€6.90) | 1.00 percentage points | €690 |
| bunq Free to Elite (€18.99) | 1.74 percentage points | €1,091 |
| Revolut Standard to Premium (€8.99) | 0.50 percentage points | €1,798 |
| N26 Standard to Metal (€16.90) | 0.50 percentage points | €3,380 (discount ends at €5,000) |
| Revolut Standard to Ultra (€65) | 1.00 percentage points | €6,500 |
An example: if you buy €500 of Bitcoin every month, bunq Free costs €9.95 in fees, while Core costs €4.95 plus the €3.99 subscription, €8.94 in total. The smallest plan already saves money here. At N26, Metal only pays off through crypto fees from just over €3,000 a month. The plans also include other benefits such as insurance, free ATM withdrawals, more sub-accounts and higher interest, so the crypto saving is an extra rather than the only reason.
Account, IBAN, card and cash: neobanks in everyday use
All five providers issue a Visa or Mastercard debit card that works in Apple Pay and Google Pay straight away. N26, Trade Republic and Vivid Money give customers in Germany a German IBAN; under the EU SEPA rules, employers and authorities may not refuse an IBAN from another EU country. Basic plans at N26, Revolut, bunq and Trade Republic have no monthly account fee; Vivid charges €4.90 a month if you neither spend €1,000 by card nor hold €3,000. Free ATM withdrawals are limited on the basic plans, and the paid plans add withdrawals, insurance, sub-accounts and higher interest. N26, Revolut, bunq and Vivid also offer business accounts, and N26, Revolut, Vivid and Trade Republic let you invest in shares and ETFs as well.
In app ratings, Revolut (4.9 stars on the App Store, 4.8 on Google Play) and Trade Republic (4.6 and 4.5) score highly. On Trustpilot, Revolut and Vivid Money reach 4.7 stars each, bunq 3.5 and Trade Republic 3.3.
Deposit protection: how safe is your money at a neobank?
When it comes to safety, two things need to be kept apart: the balance in your account and the cryptocurrencies you buy.
Your account balance at an EU licensed bank is protected by law up to €100,000 per customer. For N26 and Trade Republic the German scheme applies, for bunq the Dutch one and for Revolut the Lithuanian one, because EU accounts are held at Revolut Bank UAB in Vilnius. Vivid Money is an e-money institution based in Luxembourg; the balance on your payment account is held at the French partner bank Natixis and protected up to €100,000 by the French guarantee fund FGDR. This does not apply to Vivid's interest products, which are shares in a money market fund held separately from the provider's assets.
Cryptocurrencies are never covered by deposit protection. They are protected by being held for you separately from the custodian's own assets by a supervised custodian: Bitpanda for N26, BitGo Europe for Trade Republic, Revolut Digital Assets Europe (licensed under the EU crypto regulation MiCA by CySEC in Cyprus) for Revolut, Kraken via Payward Europe Solutions (supervised by the Central Bank of Ireland) for bunq, and Vivid Money B.V. (licensed by the Dutch AFM) for Vivid. If you want to hold your coins yourself, you need a provider that supports wallet transfers: in this comparison that is Revolut and Trade Republic.
Wallet transfers, staking and savings plans
| Feature | Revolut | N26 | bunq | Vivid | Trade Republic |
|---|---|---|---|---|---|
| Send coins to your own wallet | yes | no | no | no, cash-out in euros | yes |
| Staking | yes | no | yes, up to 8.25% via Kraken | Crypto Earn Pocket | yes |
| Crypto savings plan | recurring buys | weekly to quarterly | round-ups into crypto | – | from €1, no flat fee |
| Minimum purchase | €1.50 | €1 | €1 | €1 | €1 |
Which neobank with crypto suits you?
- You want many altcoins and to hold your coins yourself: Revolut.
- You want a German bank and maximum simplicity: N26.
- You buy a few hundred euros' worth every month: bunq with Core or Pro, or Vivid with Prime.
- You want interest on your balance and a cheap savings plan: Trade Republic.
- You trade actively and larger amounts: a regulated crypto exchange is usually cheaper than any neobank.
Many people use two accounts: a neobank for everyday spending and small crypto purchases, and an exchange for larger sums. If you would rather buy crypto in a dedicated app, see our comparison of apps to buy Bitcoin.
How we rated the neobanks
We used the providers' price and product pages as read on 10 November 2026, including the crypto page of N26, the plans of Vivid Money, the crypto page of bunq and the interest page of Trade Republic. Each provider receives five sub-scores from 1 to 5 for ease of use, features, fees, stability and customer service; the overall rating combines them. Account prices are those for Germany.
Frequently asked questions about neobanks with crypto
What is a neobank?
A neobank is a bank or financial institution without branches that offers its account, card and banking services only through an app. Well-known neobanks in Europe include Revolut, N26, bunq, Trade Republic and Vivid Money.
Which neobanks offer cryptocurrencies?
N26 (over 300 coins via Bitpanda), Revolut (over 300 tokens), bunq (over 350 coins via Kraken), Vivid Money (over 150 coins) and Trade Republic (50 coins) let you buy crypto directly in the banking app.
Which neobank is cheapest for Bitcoin?
For a single €1,000 purchase, Trade Republic is cheapest at €1 plus spread, and its savings plans have no flat fee at all. Among the percentage models, bunq Elite leads at 0.25%. Without a subscription, Revolut charges 1.49%, N26 1.5%, bunq 1.99% and Vivid 2.00%.
Is my money safe at a neobank?
At N26, Trade Republic, bunq and Revolut your account balance is a deposit at an EU bank and protected by law up to €100,000. At Vivid Money protection applies to the payment account held at the partner bank Natixis. Cryptocurrencies are never deposits; they are held for you separately from the custodian's assets.
Can I send crypto from a neobank to my own wallet?
Yes at Revolut and Trade Republic. At N26, bunq and Vivid Money the coins stay with the custodian and can only be sold back into euros.
Conditions as of 10 November 2026, read on the providers' websites; prices may change at any time. Partner links are marked as advertising, our rating remains editorial. Cryptocurrencies are volatile and you can lose your entire investment.