Understand & buy Bitcoin
From your first purchase to long-term Bitcoin wealth – simple, with real people by your side & a German bank in the background.
Ready in 5min · Investments involve risks
100,000+ people in Europe trust 21bitcoin
Why 21bitcoin?
Focus, not a casino
Buy Bitcoin without the crypto complexity – as easy as online banking. We help you understand Bitcoin.
Custody or self-custody
Receive Bitcoin, store them professionally, or automatically send them to your own hardware wallet at any time.
Real people are here for you
Support via live chat & email – based in Germany. Average response time under 15 minutes.
Everything for your Bitcoin
Buy Bitcoin instantly from €10
Simple, secure & MiCAR-regulated. Service fee 1.29–1.49%, no network fees on purchases, available 24/7 & withdrawable to your own wallet at any time.
Save in Bitcoin with 0% service fee
Build your Bitcoin holdings over time without needing to time the market. A standard fee of 1.29% applies for the first week, followed by a permanent 0% service fee from day 8 onwards.
Receive, send & store Bitcoin
Bitcoin wallet at 21bitcoin: Deposit BTC, store it securely, or use auto-transfer to your self-custody wallet – for just 1,000 sats per transaction.
Professional security. Full autonomy
MiCAR CASP license
Audited and licensed by the Austrian Financial Market Authority (FMA). Based and regulated in the EU – no offshore structures.
Your personal IBAN at a German bank
Your euro balance is held in your own virtual IBAN at VR Bank Bayern Mitte, a regulated German cooperative bank – not at an anonymous exchange.
Professional BTC custody
Your Bitcoin are held 1:1 and are never lent out. For the technical custody of cold wallet keys, 21bitcoin partners with BitGo Europe. BitGo's custody infrastructure is insured for up to $250 million under current insurance terms.
Get started in 5 minutes
Create account
Download the app and register in just 5 minutes.
Deposit funds
Deposit funds 24/7 in seconds for free – available immediately.
Buy Bitcoin
Buy, sell, receive, or send Bitcoin - simple & secure.
A Bitcoin partner for every need
From your first €10 to long-term Bitcoin wealth – one provider.
21bitcoin
Simple · personal support · Professional custody & self-custody
- ✓ Ready in 5 minutes
- ✓ Savings plan from 0%
21private
Dedicated account manager · OTC rates from €100k
- ✓ From €100,000
- ✓ Personal support
21business
Talk to our team about larger purchases and custom requirements.
- ✓ Personalized setup consultation
- ✓ Dedicated account manager
What our customers say
Buying Bitcoin—as easy and transparent as online banking.
Join the 100,000+ people using 21bitcoin
FAQ
Yes. 21bitcoin is operated by FIOR Digital GmbH and is authorized as a Crypto Asset Service Provider (CASP) by the Austrian Financial Market Authority (FMA) in accordance with the EU regulation MiCAR.
MiCAR is a uniform EU regulation: A license granted in one EU member state generally applies throughout the entire European Economic Area via so-called EU passporting – this includes Germany. Ongoing supervision is carried out by the FMA as the authority of the home country; the German BaFin is notified as part of the passporting procedure.
View entry in the BaFin company database →
Also relevant for German customers: Your euro balance is held via a dedicated virtual IBAN at the VR Bank Bayern Mitte, a regulated German cooperative bank.
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 Austria 🇦🇹, 21bitcoin automatically deducts capital gains tax on taxable Bitcoin profits, provided the legal requirements are met. For Bitcoin acquired from March 1, 2021 onwards, the special tax rate of 27.5% generally applies. Bitcoin acquired up to and including February 28, 2021 are generally considered legacy assets and may be subject to different tax treatment.
In Germany 🇩🇪, no taxes are automatically deducted. Instead, 21bitcoin supports you with transaction histories, account statements, and a holding period tracker.
Learn more about Bitcoin & taxes →
Note: This information does not constitute tax advice.
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.
Automatic purchases with the Bitcoin savings plan are available from the 8th day with a 0% service fee . For direct purchases via Smash Buy, a service fee of 1.29% or 1.49% applies depending on your plan, while limit orders cost 1.49%. Euro deposits, account maintenance, and Bitcoin custody are €0.
You can see the applicable costs transparently in the app before every purchase.
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.
