10 Best Exchanges To Buy Crypto And Bitcoin In Germany

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Updated April 1, 2025

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Review, compare and select from the list of top Exchanges to Buy Crypto and Bitcoin in Germany based on this review:

Germany is one of those countries that recognize licensed cryptocurrency exchanges and wallet providers as part of the financial services industry, although there is no specific crypto use regulation.

The German Banking Act also allows banks to custody crypto. Therefore, Buying Bitcoin in Germany through a bank, credit cards, debit cards, and electronic payment methods is easier than in many countries.

This tutorial discusses top platforms where you can buy Bitcoin in Germany, their features, and how to do it.

Exchanges to Buy Crypto and Bitcoin

Fact-Check:

Close to 25% of Germans owned digital assets at a retail level by 2019. That is 5.5 million out of Germany’s 46.05 million adults.
At the same time, 87% of Germans were informed of what crypto is.

Pro-Tips:

It is not illegal to own, trade, or purchase goods and services with cryptocurrency in Germany.
Owning or staking crypto for ten years in Germany, making profits of less than €600, regardless of the duration of ownership of crypto.

How to Safely Buy Bitcoin in Germany

Buying Bitcoin in Germany depends on the crypto exchange from which to buy. In most cases, it involves the following:

Step 1: Research on a crypto exchange, platform, or brokerage

Brokers are most appropriate when using credit cards and bank transfers, but they charge higher fees than ordinary exchanges. They have higher maximum buying limits and are more appropriate for over-the-counter purchases.
Crypto exchanges: Most of them allow you to buy Bitcoin using other cryptocurrencies. Most have KYC procedures for those willing to buy huge amounts of Bitcoin. Some allow fiat deposits and electronic payment methods. Some exchanges have over-the-counter desks you can use.
Peer-to-peer crypto exchanges: These allow for using more payment methods, including locally available ones in Germany. They are more preferable when you want to buy Bitcoin immediately with fiat although they are more costly. The terms are more flexible since you are buying from a peer.
Over-the-counter brokers in Germany: These are most appropriate for buying €50,000 or more worth of Bitcoin. It may not be safe or convenient to buy such an amount on ordinary exchanges or peer-to-peer platforms. OTCs offer better processes and faster processing times for large volume purchases.

Be sure to confirm exchange security, whether or not scammy, and legitimacy. Confirm the fees, customer support, and reputation.

Step 2: Sign up with the exchange and/create a wallet address

Step 3: Buy Bitcoins

=>> Contact us to suggest a listing here.

Terms Apply: Please read all the details and terms carefully on the below Crypto platforms before investing. Cryptoassets are highly volatile. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.

List of Exchanges to Buy Crypto and Bitcoin

Here is the list of popular exchanges to safely buy Bitcoin in Germany:

Tangem
Zengo
NAGA
Binance
Kraken
Bitcoin.de
Swapzone
CoinSmart
Coinmama
WhiteBIT
Bity
Coinbase
CEX.io
Paybis
Bitstamp
Crypto.com
OKX

Comparison of Platforms to Buy Bitcoin in Germany

Exchanges	Minimum trade/deposit	Fees	Our rating
Tangem	€25	Buying: Up to 3.95%*. Sending crypto to Tangem wallet: Blockchain fee/Gas fee.	5/5
Zengo	1. No minimum for deposit. 2. Minimum trade as low as $30, depending on payment method	Bank transfer: Spread + processing + gateway fee is 1.99-2.29%. For credit card: Spread + processing fee 3.75% and gateway fee is 1.99%.	4.7/5
NAGA	$50 or $250	Spreads of just 0.1 pips. $5 withdrawal fees. 3 monthly inactivity fees are $20. Rollover, swap fees, and other fees may apply.	5/5
Binance	$10	Based on the 30-day trading volume of user. It is in the range of 0.02% to 0.10%.	5/5
Kraken	1 USD	Maker fee 0.16% for $0-$50000 tier to 0.02% for $5000,001-$10000000 tier and a taker fee of between 0.26% and 0.12 for same tiers.	4.5/5
Bitcoin.de	$10	0.5% charged on both seller and buyer. 0.4% fee applies for express trading. No withdrawal fees beyond	5/5
Swapzone	None.	Spreads which vary from crypto to crypto. Mining fees also apply.	4.5/5
CoinSmart	$10000 for wire & $500 for bank draft.	0.2% for the Canadian dollar and crypto pairs. $0.4% for non-Bitcoin trading.	5/5
Coinmama	$50 to buy & $200 to sell	Up to 5.9% to buy & 2.9% to sell.	4.5/5
WhiteBIT	0.0005 BTC or equivalents.	Up to 4% deposit fees for credit and debit cards (3% for RUB; 0,7% for UAH; 2.7% and 4.5% others, depending on the fiat currency). Margin trading fee – 0.098%. Withdrawal fees are 0.7%-4%.	4.5/5
Bity	10 Euros.	3.5 – 8%	4.7/5
Coinbase	$10.	Taker fee from 0.50% to 0.04% and maker fee between 0.50% and 0.00% depending on amount.	4.7/5
CEX	$20.	0.10-0.25% maker fees; 0-0.16% taker fee.	4.5/5

Review of the platforms to safely buy Bitcoin in Germany:

#1) Tangem

Best for convenience and top-notch security, this cold wallet where you can also buy, sell, and swap.

Tangem is not a crypto exchange but something better. Tangem’s hardware wallet is unique in its simplicity and security. This cold crypto wallet allows users to buy, swap, and stake, and access DeFi and dApps. With Tangem, users can enjoy full self-custody with or without a seed phrase.

Tangem Express—an inbuilt crypto exchange aggregator—allows users to exchange crypto at the best rates on the market. It has integrated OKX DEX, Changelly, ChangeNow, and 1INCH.

Through third-party services like Mercuryo, Tangem allows you to buy cryptocurrencies through bank transfers, credit cards, debit cards, ApplePay, and Google Pay.

Buy Bitcoin in Tangem in Germany:

Step 1: Order the Tangem Wallet from the official website, resellers, or e-commerce platforms like Amazon.

Step 2: Download the iOS/Android Tangem app. Continue to set up the wallet by following the information on the screen.

To recover your wallet you will have to create backups with additional cards in the Wallet set. These backups are equal with the main wallet and all share the same uncompromisable private key.

Step 2: On the Tangem homepage, Tap Manage Tokens and add any cryptocurrency you want to manage/store. Bitcoin is already on the homepage by default. To buy any crypto, tap on it to go to the token page. Tap the Buy button. A tab from Mercuryo will open. Enter the amount you want to pay and tap Buy. Choose your payment method and then proceed to pay.

After payment is processed and complete, your Bitcoins will be sent directly to your Tangem Wallet. Some purchasing methods such as Apple Pay, debit cards, and credit cards are instant and others are not.

Minimum deposit: Mercuryo allows you to buy with a minimum of €25 .
Trading fees: Buying: Up to 3.95%*. Sending crypto to Tangem wallet: Blockchain fee/Gas fee.

Tangem Wallet features:

Buy fiat via bank transfers, credit/debit cards, and Apple Pay/ Google Pay.. Send, receive, hold, and withdraw cryptocurrencies and fiat through bank transfers.
Swap one cryptocurrency for another seamlessly within the wallet.
Available on Android and iOS for mobile use.
Monitor crypto balances within the wallet.
Native staking

Visit Tangem Website >>

#2) Zengo

Best for ultimate security, all in one, wallet where you can also buy and swap.

Zengo multichain keyless crypto wallet allows users to buy, swap, and stake on 120+ cryptocurrencies. Zengo’s keyless MPC technology empowers anyone to own and control their crypto wallet (without giving rights of control to custodial wallets) while easily trading it, earning passive income from it, and using third-party crypto Dapps.

Further Reading => Most Popular Crypto Coins to Stake

Zengo allows you to buy cryptocurrencies through bank transfers, credit cards, debit cards, ApplePay, and Google Pay.

Buy Bitcoin on Zengo in Germany:

Step 1: Download the iOS/Android Zengo app. Continue to set up the wallet by entering your email and verifying it.

To recover your wallet you will need to set up the 3D FaceLock verification and save your recovery file on iCloud/Google Drive/ DropBox. This recovery file is NOT a private or a secret share and is useless to a hacker.

Step 2: From the Zengo home page, the cryptocurrencies listed are shown. Scroll to your preferred crypto. Tap or swap the crypto to buy, and from the menu, tap Buy. Choose the payment method, enter the amount and other details, and proceed to buy.

Some purchasing methods such as Apple Pay, debit cards, and credit cards are instant and others are not. If buying through MoonPay, you will need to sign up on the platform in the proceeding steps once you select that option.

Minimum deposit: Moonpay allows you to buy with a minimum of $30.

Trading fees: Bank transfer: Spread + processing + gateway fee is 1.99-2.29%. For credit card Spread+processing fee 3.75% and gateway fee is 1.99%.

Zengo Pro: While Zengo Essentials continues to be offered for free, upgrading to Zengo Pro unlocks a suite of premium security features for as low as $16.67 a month.

Legacy Transfer: Grant a beneficiary access to your digital assets in case of death or prolonged absence with a feature inspired by traditional inheritance systems. This is the market’s first and only self-custodial tool supporting this functionality.
Asset Withdrawal Protection: Prevent unauthorized withdrawals with 3D FaceLock biometric verification.
Advanced Web3 Firewall: Real-time risk assessments and alerts that protect you against Web3 attacks.
Priority 24/7 Support: typically a response time of under 3 minutes, supporting 180 languages.

Visit Zengo Website >>

#3) NAGA

Best for auto copy trading.

NAGA is an auto investment platform that allows users to trade crypto with bots. It has an innovative auto-copy social trading feature that lets a trader automatically copy trades of other pro traders on the platform. This lets users automate the crypto trading process even with little programming or trading skills and with improved surety of earning a profit.

To auto-copy, simply sort out the traders’ performance by profit on crypto and proceed. The platform lets users trade 40+ cryptocurrencies including Bitcoin, Ethereum, Litecoin, Dash, Bitcoin Cash, etc — without any trading volume limit.

Customers can also store or hold crypto, monitor their trading histories, or transfer to other users. Besides, the platform, however, also allows trading of 95+ total instruments including CFDs, stocks, and others using proprietary expert trading platforms like MT4 and MT5.

Buying Bitcoin on NAGA:

Users can register and verify accounts for free.
Deposit at least $50 using a credit card, bank wire transfer, Sofort, Neteller, Skrill, Giropay, EPS, Ideal, p24,
Bitcoin Cash, Litecoin, Dash, Ethereum, and Naga coin.
Click or tap on the Markets tab, select Bitcoin, then the Buy option. Enter the amount to trade and proceed to submit the trade. Here you buy Bitcoin CFDs.
Use Nagax – a crypto exchange owned by NAGA – to buy, receive, and hold or send BTC with fiat.
You can trade with margins of up to 1,000 at NAGA.

Minimal deposit: $50 or $250

Trading fees: Spreads of just 0.1 pips. $5 withdrawal fees. 3 monthly inactivity fees are $20. Rollover, swap fees, and other fees may apply.

Visit NAGA Website>>

#4) Binance

Best for detailed charting and price speculation.

Binance cryptocurrency exchange packs in features like own token that can pay lesser gas fees when buying crypto on the platform, own blockchain for hosting dApps and other services, APIs, charting tools, mobile apps, over 40 fiat currencies, and support for 300 cryptos.

Binance also offers derivatives and supports multiple deposit methods (SEPA, bank transfers, PayID, SWIFT, Western Union, Revolut, crypto, debit cards, credit cards) for those who want to buy cryptocurrencies on the platform.

Also Read => Pionex Dual Investment Vs. Binance Vs. Matrixport

However, crypto derivatives and future products are unavailable in Germany since Binance received warnings from the country’s financial regulator BaFin.

Buying Bitcoin on Binance:

Sign up and log in to your account. Verify the account by submitting documents.
Click the buy now button on the home page. Choose crypto to buy and fiat to pay with, select payment method, or choose to pay with a new card and enter card details.
Before buying, you can head over to the account’s profile and configure the payment method – debit/credit card, etc. Continue and verify payment.
Crypto appears in the spot wallet account instantly.

Minimal deposit/trade: $10

Trading fees: Depends on a user’s 30-days trading volume – ranges from 0.02% to 0.10%. additional costs apply for debit card purchases — 3% to 4.5% and $15 per U.S. wire transfer.

Suggested Reading => Best Binance Trading Bots in 2022

Visit Binance Website >>

#5) Kraken

Best for margin and futures trading.

Kraken is one of the top cryptocurrency exchanges by trading volumes and is tried and tested since launching in 2011. On the exchange, you can trade over 60 coins, stake, or loan out coins for additional earnings. It also offers margin trading and futures trading. On the exchange, you can buy Bitcoin instantly with fiat through the Kraken’s Instant Buy interface, for 2%.

Kraken boasts top-notch security and is the best exchange in that regard. It is also more preferable for advanced speculative trading.

Minimum trade/deposit: 1 USD

Trading fees: Maker fee 0.16% for $0 – $50,000 tier to 0.02% for $5,000,001 – $10,000,000 tier and a taker fee of between 0.26% and 0.12% for same tiers.

Visit Kraken Website >>

#6) Bitcoin.de

Best for peer-to-peer trading.

Describing itself as Germany’s first and biggest Bitcoin market, the website lets users buy and sell the cryptocurrency against Euro. You can also trade Bitcoin Cash, Bitcoin Gold, Ethereum, Bitcoin SV, Litecoin, XRP, and recently added Doge. The platform allows you to trade directly with other verified users.

Buyers and sellers create sale and purchase offers at their preferred prices and wait for clients to respond. To buy Bitcoin in Germany, you must have a verifiable phone number, email address, and bank account. Fidor Bank account owners have the advantage of accelerated payments for both purchasing and selling cryptocurrencies on Bitcoin.de.

The problem is there is no real-time trading, so prices are bound to change before order completion.

Steps to buying Bitcoin on Bitcoin.de:

Visit the website and select Marketplace.
Enter the amount of Bitcoin to buy or sell and the price.
Click login and create a purchase request. You will be directed to log in or creation of an account.
Send crypto to account.

Minimum trade/deposit: $10.

Trading fees: 0.5% charged on both seller and buyer. 0.4% fee applies for express trading. No withdrawal fees.

Visit Bitcoin.de Website >>

#7) Swapzone

Best for crypto exchange services comparison based on exchange rates, customer rating, and transaction times.

Swapzone lets users find the best cryptocurrency trading, exchange, or swapping rates from across multiple crypto exchanges. The aggregator helps users to compare rates across 15+ exchanges and trading platforms without ever needing to register on each of them to do the comparisons. Hence, it makes it easier and quicker for traders to find offers that see them reducing spending on cryptocurrency.

By entering a trade query regarding the cryptocurrency they want to buy or sell against a fiat of choice, traders get offers drawn from different exchanges (the user also sees the user rating, expected transaction time, and exchange rate for each of the offers listed). The exchange supports buying and selling of 1000+ cryptos and stablecoins with 20+ fiat national currencies.

Steps for buying Bitcoin on Swapzone in Germany:

a) Click or tap the Buy/Sell by fiat button on the home page and select the fiat currency you will send to spend in buying the crypto. Choose the Euro from the drop-down menu on the right under Send menu to buy Bitcoin via bank and credit/debit cards in Germany. Enter the amount to spend.

Select BTC on the drop-down menu on the right, under the Get up to menu. Once you enter the amount of Euro to spend, it will show the amount of BTC to receive. You can also start by entering the amount of BTC you need to determine the amount of Euro it will cost.

b) The platform presents you with a list of offers available as per your trade query entries. Choose your offer as per desired criteria (exchange rate, user rating, and expected transaction time). Click or tap Buy button against an offer to proceed to buy.

In the next screen, enter the BTC wallet address to which to receive crypto, and email (optional). you can tap the Don’t have a wallet yet? button to see information on how to create one as well as links to main BTC or crypto wallet providers. Click or tap that you agree to the terms and receive the emails. and click/tap Proceed to exchange.

c) It will direct you to the exchange payout page where you need to register with the exchange where the order is sourced and see details on where and how to make the payment. You can log in on the exchange to see the progress of your order. The crypto is sent to your wallet once the payment is confirmed. Otherwise, your money should be refunded.

Minimum deposit: None. Depends on the availability of offers.

Fees: 0% swap and exchange fees.

Visit Swapzone Website >>

#8) CoinSmart

Best for instant Bitcoin buying for both beginners and pro traders.

Based in Toronto, the exchange lets users around the world, including Germany to purchase Bitcoin and other over 10 cryptocurrencies. In Germany, you can fund your account and buy Bitcoin through e-Transfer, Credit & Debit Card, and Bank Wire methods. Debit card purchases are instant while bank wire, Interac, and draft are completed the same day.

It also hosts an OTC desk for those doing large purchases and a crypto learning hub.

Buying Bitcoin on CoinSmart:

Sign up and verify with the phone, email, and maybe ID, selfie, and utility bill copies. You can also use the mobile app to buy.
Deposit fiat from the account section. You configure the method selected and then use it to buy.
Buy crypto from the market by entering the amount to buy and selecting the payment method.
The crypto appears in the hosted wallet.

Minimum trade/deposit: $10,000 for wire and $500 for bank draft.

Trading fees: 0.2% for Canadian dollar and crypto pairs. Otherwise, you pay $0.4% for non-Bitcoin trading. Plus deposit fee for debit card (up to 6%), bank draft (0%), wire (0% for $2,000+ and 1.5% for $100-$1999), and Interac e-transfer (fee same as bank draft).

Visit CoinSmart Website >>

#9) Coinmama

Best for no fiat deposit fees, and non-hosted crypto purchases.

Coinmama allows users to buy 10 cryptocurrencies without fees on deposits or withdrawals. Although it lets users pay with a credit card, WIFT bank transfer (for US customers), debit card, or Apple Pay, you cannot pay using crypto.

It does not host wallets, which means you cannot store fiat or crypto there. There also is no mobile wallet. The Tel Aviv company is also available in 188 countries, including Germany.

Buy Bitcoin on Coinmama in Germany:

Register an account, log in, and get verified (with ID or passport) for purchases.
Click on the buy button and select Bitcoin. Choose the amount to buy, select the package, enter fiat amount or crypto amount to buy, provide wallet address, pay by selecting the “Go to Payment” button, and the crypto is sent to the address. Bank transfers take 1-2 business days.

Minimum deposit/trade: $50 to buy and $200 to sell.

Trading fees: Up to 5.9% to buy; 2.9% to sell. Users can have fees reduced by 12.5% if they buy $5,000 and 25% if they buy $50,000 or more over 90 days.

Visit Coinmama Website >>

#10) WhiteBIT

Best for margin trading, and fiat-crypto conversions.

WhiteBIT cryptocurrency exchange is based in Ukraine but also provides crypto trading services internationally, therefore covering Germany and the entire of Europe.

In fact, those in Germany can trade euros and USD for crypto and stablecoins. Furthermore, traders in Germany can buy and sell crypto on the platform through Mastercard, Visa, Perfect Money, and other payment methods. The WhiteBT website information is also provided in Deutsche among many other languages to which it can be translated.

That said, crypto traders can leverage WhiteBIT’s expert services to buy or actively trade crypto in Germany, participate in crypto lending services, margin trading, pay crypto for goods and services and receive crypto payments for goods and services in stores, trade crypto futures, and list their crypto token on the platform.

They can also trade on the WhiteBIT’s peer-to-peer DEX, invest in the WBT token, or seek crypto institutional services provided by the platform (including custody, lending, trading via APIs, hedge investments, liquidity sourcing, etc.).

Buying crypto and BTC on WhiteBIT in Germany

Step 1: Visit the website or download the mobile apps. Click or tap the Sign Up button, register, and verify (log into the account and click or tap on Account Settings then Verification and upload required documents).

Step 2: Deposit money or crypto in your wallet using the aforementioned payment methods or others that are supported by the platform in Germany. Click or tap Balances when logged in and choose Total or Margin. Find the currency to deposit. Select the payment method or network, copy the deposit address, enter the amount, and click/tap the Request button.

Using Checkout.com, select Visa/Mastercard, enter card details, enter names, and confirm the payments.

After depositing, transfer the funds from the Main to the Trading account by clicking or tapping the Transfer button opposite the desired currency in the Main balance section.

Visit the Quick Exchange option on the Trading section to trade crypto for other or national currencies.

Select the Spot option on the Trading section to trade crypto for another, either instantly or via speculative methods.

The Buy Crypto option on the Balance page allows customers to use the Utorg payment system to buy crypto for state currencies USD and TRY directly from Mastercard and Visa.

Minimum deposit/trade: 0.0005 BTC or equivalents in other cryptos.

Fees: 3.5% deposit fees for EURO and USD. 1.5% for Checkout.com Visa and Mastercard transactions. Advcash is between 1.5 to 2% while NixMoney is 1%. The trading fee is 0.1% for makers and takers.

Visit WhiteBIT Website >>

#11) Bity

Best for OTC, cash purchases via ATMs, instant swaps.

Bity is a Switzerland-based crypto gateway and ATM operator established in 2014. It facilitates the trading of BTC, ETH, and USDC cryptocurrencies with EUR and CHF fiat pairs. Today, it is available in 98 countries, including Germany.

Besides allowing crypto to fiat conversions and back, the Swiss-regulated (Swiss Financial Market Supervisory Authority FINMA) and KPMG audited firm also offers OTC desks (to facilitate instant swaps at better rates), affiliate schemes, API services, crypto ATMs (available in Zurich Hardbrucke, Lausanne, Geneva, Neuchatel, Zurich Hauptbahnhof, and Montreux), and bill payment facilities online.

Steps to sell and buy Bitcoin on Bity:

Register for an account on the website. Verification is not needed for small traders of 1000 CHF crypto worth daily or yearly to 100,000 CHF yearly, but a must for higher limits.
Submit ID and phone number on profile for verification if needed. Advanced verified accounts have a daily/single transactional limit of 100,000 CHF worth of crypto (or 5BTC or 150 ETH).
AML verification to expert account status raises single/daily transactional limit to 500,000 CHF or 5 BTC or 150 ETC.
After login, select fiat currency to exchange, then the crypto desired to purchase. Select crypto wallet or proceed without. Fill in banking information, crypto address, and email. The order is placed.
Send payment indicated to their bank, and the order is completed after they receive payment.

Minimum purchase/deposit: 10 Euros or the dollar equivalent.

Transaction fees: 3.5 – 8%.

#12) Coinbase

Best for beginners, pros, and institutional investors.

Coinbase, alongside Gemini, are by far the two largest dedicated cryptocurrency exchanges in the United States, serving millions of users. But Gemini is not available in Germany.

Coinbase users in the country can instantly buy Bitcoin with PayPal or Sofort Bank account and receive it in 1 to 3 days. Other options supported include instant purchases with 3D Secure Credit Card and debit and credit cards.

Coinbase was awarded an operational crypto custody license by the German Federal Financial Supervisory Authority (BaFin) this year. The exchange announced the award of the license in June this year. For this reason, it offers custody and trading services even to institutional clients in the country.

Steps for buying Bitcoin on Coinbase in Germany:

a) Register or login to your Coinbase account.

b) Deposit fiat via accepted methods. This may need account verification and configuring bank and online payment accounts to Coinbase.

c) Select payment methods from the settings page, then debit card, enter card information. The system applies small temporal debits on the card, which you can find on the statement, and enter the amounts on the debit confirmation page on Coinbase to verify the card.

With PayPal, configure your account by selecting PayPal as the payment method, then log in to your PayPal account to configure.

With Sofort bank account, ensure the name of the two accounts match. Then verify the Coinbase account. Go to Portfolio, then Euro wallet, and select deposit. Initiate a SEPA transfer denominated in Euros only from your bank account. Include the reference number to ensure the deposit will be associated with your Coinbase account.

It is advisable to first initiate a €6 first as a verification deposit. Include the unique reference code without spaces or additional text. The account is verified for deposit and withdrawals once this deposit completes and reflects on your Coinbase account.

d) Choose the buy page on Coinbase, enter the amount to buy, select a card with which to pay for crypto, then click buy.

e) The amount is deposited in the account.

Suggested Reading =>> Use debit and credit cards to buy on Coinbase.

Minimum deposit: $10.

Fees: Taker fee of between 0.50% for trades between $0 – 10,000 tier and 0.04% for $2 billion+ tier. Maker fee is between 0.50% and 0.00% for the same tiers. Plus deposit fee of €0.15 for SEPA accounts or $10 for wire transfers.

Flat fees — $0.99 for below $10 to $2.99 for transactions under $200. 0.50% to buy or sell below $10,000 in value.

#13) CEX.io

Best for staking and margin trading.

CEX.io says it has over 4,000,000 customers using its services globally. Through it, customers can buy Bitcoin and other cryptocurrencies for staking and margin trading still on the platform. It also offers crypto-backed loans to traders. It supports credit card, VISA, PCI, and MasterCard payments.

It is registered with the FinCEN in the United States and as Money Services Businesses in the United Kingdom. Hence, users should be verified, after which they can deposit up to $3,000 and withdraw up to $10,000 daily. With a debit or credit card, you can directly open the buy/sell page, enter the amount, then enter card details and verify the account. The purchase is instant.

Steps to Buy Bitcoin on CEX.io:

Register on the platform.
Add or configure payment method – credit card, etc.
Go to market (Buy/Sell page) and enter the amount desired for purchasing. It will show fees to pay.
Select the kind or order – limit, spot, etc and place a buy order or buy instantly.
Click buy. The amount is deposited to the account wallet.

Minimum deposit: $20.

Trading fees: 0.10-0.25% maker fees; 0-0.16% taker fee

#14) Paybis

Best for instant verifications and payouts.

Founded in 2014, the crypto platform lets you buy Bitcoin online in over 180 countries, Germany included. It lets you buy over 10 cryptocurrencies using over 45 fiat currencies. Besides, you can pay through Skrill, bank transfer, credit card, Neteller, Bitcoin, and debit card. The non-custodian platform requires account identity verification.

Besides buying, you can sell Bitcoin back to cash and receive it via the methods above. Card buying is limited to $20,000 per week or $50,000 for a month. Bank transfers are advisable for large purchases, although they take 1 and 3 business days. That too is capped at €200,000 per week or USD equivalent at the time of purchase.

Buy Bitcoin on Paybis:

Create an account and verify identity with email. Phone, selfie, and handwritten declaration. Selfie and handwritten declarations are necessary for those using credit or debit cards.
From the buy widget on the default home page, enter the fiat amount you want to spend and they will reveal the amount of BTC you receive. Select payment method.
On paying, the crypto is deposited into your wallet.

Minimum deposit/trade: $50 for all except $60 for debit/credit card.

Trading fees: Trading fee is 0.1% and 1% plus deposit fee of between 0.99% and 4.95% depending on payment method. Debit/credit card — 2.95%, Skrill 4.95%, Neteller 2.95%, Bank transfer 0.99%.

#15) Bitstamp

Best for low-fee trading, advanced charting, and order types.

Bitstamp is also available for traders in Germany, allowing them to purchase 73+ cryptocurrencies using USD, Euro, and other fiat currencies, as well as swap crypto for another instantly on the platform. With fiat, you can buy crypto instantly depending on the method (SEPA, credit, and debit cards). Others will take time. The exchange allows you to deposit, hold, send, and receive cryptocurrencies.

For traders, you can trade crypto with price speculation using advanced charting and signals derived from TradingView. The crypto trading platform can also be used for staking Ethereum and Algorand.

With a credit card or debit card, you can buy up to $2500 or Euro/GBP per day. The minimum purchase is $25. Furthermore, customers in Germany can use Bitstamp to withdraw their money from the platform to the bank. (maximum of $50,000 per transaction). The platform also has a specific institutional product for crypto trading brokers, neo banks, fintech, banks, hedge funds, prop traders, family offices, and aggregators.

Buying Bitcoin on Bitstamp.net

Open a free account at Bitstamp.net.
Click or tap on the Deposit feature and proceed to deposit fiat using your preferred methods. You can choose credit cards or other deposit methods. Enter the amount to deposit.
Tap or click Trade on the app or Market on the web app to place an order. Select the order type from the “Order Type” drop menu. Enter the amount to buy and proceed to purchase.

Minimum deposit: $10.

Trading fees: 0.00% – 0.50% per exchange transaction depending on your 30-day transactional volume. Deposit and withdrawal fees vary per method.

#16) Crypto.com

Best for high stakers or for holding crypto.

Crypto.com lets users not only buy and sell crypto in Germany but also use a tax calculator to compute complicated crypto taxes at no extra cost.

It offers 8% cash-back on all crypto when spending via the Visa card, up to 14.5% interest earnings on crypto, and instant loans that have no deadlines. The crypto exchange supports 250+ cryptocurrencies which can be bought with 20+ fiat currencies.

Features:

Android and iOS app
Margin trading
Derivatives trading
Get paid for goods and services in crypto.
Price widgets, hosted wallets, learning materials, and guides.

#17) OKX

Best for advanced spot and futures trading with high margins.

OKX is available and licensed for trading in Germany. Therefore, anyone in Germany can trade the offer of 300 crypto coins listed for trading on OKX as well as the derivatives products including options and futures for Bitcoin, Ethereum, and EOS. For instant purchasing of Bitcoin, traders can use ordinary Mastercard and Visa bank credit and debit cards, and including deposit methods like bank transfers, Sofort, iDeal, Klarna, among others.

They can also use the P2P marketplace on OKX to trade using local additional fiat purchases and payment methods.

OKX also offers additional investment options for crypto users in Germany including staking; lending; buying, selling, and collecting NFTs; etc. OKX also hosts a blockchain and platform token known as OKB which users and traders can leverage to reduce transaction fees when buying and selling crypto on OKX active crypto market.

Steps to Buy Bitcoin on OKX:

Step 1: Sign up on the exchange or mobile app and verify the account.

Step 2: Fund the account with a minimum of $5. You can vary the deposit minimum depending on what and how much you want to buy and invest. OKX also offers detailed guidelines and material on each of its products, benefits, and challenges and therefore you can do your research before trading or investing.

There are multiple deposit methods available on OKX including the ones listed above. You can buy Bitcoin using other cryptos that you can first deposit on the exchange. To deposit crypto, click or tap an asset or use the Assets>Deposit functionality on your account when logged in. You must transfer the deposited crypto from the funding to the trading account to spend it on buying Bitcoin or trading.

Step 3: Click or tap the Buy Crypto button on the menu. Select the payment method (choose the P2P marketplace to buy or sell with other users). Choose BTC. When using the Buy Crypto option, enter the amount of fiat to spend in the purchase or the amount of crypto to buy. Proceed to finalize the trade.

When using the P2P option, select the user to trade with after selecting BTC and follow the on-screen instructions.

Minimum deposit: $5.

Frequently Asked Questions

Is cryptocurrency legal in Germany?

Bitcoin and cryptocurrencies are treated as private money by taxation regulators — German Federal Central Tax Office or Bundeszentralamt für Steuern (BZSt). That means it is not a property, legal tender, or foreign currency.

Where can I buy Bitcoin from Germany?

Bitcoin.de, Bity, CEX.io, eToro, and Coinbase, are some of the exchanges and platforms on which to buy crypto in Germany. They are secure and allow purchases with bank accounts and credit cards.

How can I avoid paying tax on cryptocurrency in Germany?

There are legal ways of avoiding paying tax for your crypto. For instance, holding it for over one year. Owning it for one year exempts you from taxation regardless of the profit obtained from selling afterward. To benefit from cryptocurrency tax exemption on staked tokens, the coins and tokens must be staked for 10 years after purchase.
Cryptocurrency sales of profit below €600 at any time are exempt from taxation in Germany. Otherwise, ordinary crypto transactions are subject to Income Taxes in Germany.

Is Binance legal in Germany?

Germany has finally announced a ban on Binance in 2021. As a result, the exchange is no longer offering futures and derivative products in the country. However, citizens can still open accounts on the exchange and trade regular crypto products and services. Otherwise, banking institutions are allowed to sell and store Bitcoin in Germany.

Can I buy Bitcoin with PayPal in Germany?

Yes, for instance, Paxful, LocalBitcoins, and LocalCryptos support the purchase of Bitcoin in over 300 ways, including banks and PayPal.

Which Bitcoin wallet is best in Germany?

Nexo, which operates in Germany, lets you earn interest on supported crypto. Crypto.com, Coinbase wallet, ZenGo, Exodus, Blockchain.com, Gemini, CoinCircle are other wallets you can operate safely in Germany.

Conclusion

This tutorial teaches how to safely buy Bitcoin in Germany (2022), including in renowned crypto exchanges and brokers. Germany’s crypto owners and traders do not pay taxes if the crypto is owned for 10 years or more and the profit from trading is €600.

For peer to peer trades at low cost and instant transactions through Fidor bank accounts. Bity is advisable for large OTC purchases that are also secure, as are Coinbase and eToro. The latter also works for those who want to diversify in stocks, forex, and other financial products all on one platform.