Buying bitcoin at a Sparkasse has been possible since October 19, 2026 directly in the Sparkasse app, through the crypto offering of DekaBank. Every order costs 0.99 euros, on top of which comes a mark-up on the market price that DekaBank does not state in figures. Custody and delivery are free of charge, but the coins can only be transferred to addresses of authorised crypto service providers, not to a wallet of your own. Whether your Sparkasse is already taking part is for it to decide: the roll-out is proceeding step by step.
Who benefits from going through their own bank, and when an exchange is cheaper, depends above all on the amount. The flat fee of 0.99 euros is expensive on small purchases and almost meaningless on large ones. This guide explains the process, the costs, custody and tax, and works out the amount from which the Sparkasse keeps pace with the large exchanges on fees. How the exchanges differ among themselves is shown by our comparison of providers for buying bitcoin, with prices per exchange.
Buying bitcoin at the Sparkasse: how the purchase works in the Sparkasse app
The purchase begins in the Sparkasse app, which many...
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