Data as of Q4 2026
Buy bitcoin in Germany
As of Q4 2026, the cheapest buy route on the Virtuse Fee Index at €100/month is 21bitcoin (Auto-Invest plan): 0% variable fee, €0 annual fee drag. Tax usually arises only when you sell or swap later; exemption in Germany: 0% after a 1-year holding period (private-sale exemption). Virtuse never holds your keys.
Local currency: EUR. The table shows the partners’ EUR-denominated fees from the Stacking Strategist schedule as of Q4 2026.
Ranked buy routes at €100/month
| Rank | Partner | Method | Variable fee | Annual fee drag | Speed |
|---|---|---|---|---|---|
| 1 | 21bitcoin | Auto-Invest plan | 0% | €0 | Automated |
| 2 | ByBit EU | Spot trading | 0.25% | €3 | Same day |
| 3 | Kraken | Pro trading | 0.8% | €10 | Same day |
Annual fee drag uses the live Stacking Strategist formula: a percentage of each purchase plus any listed monthly subscription.
Tax in Germany
Gain tax: Up to 45% income tax (progressive). Exemption: 0% after a 1-year holding period (private-sale exemption).
Read the dedicated guide: Bitcoin tax in Germany.
FAQ
What is the cheapest way to buy bitcoin in Germany as of Q4 2026?
On the Virtuse Fee Index, 21bitcoin (Auto-Invest plan) has the lowest annual fee drag at €100/month: a 0% variable fee and €0 a year. Rankings use the published partner fee schedule, not spreads or currency conversion.
Does buying bitcoin trigger tax in Germany?
No. In this overview, tax arises when you sell or swap (a disposal), not when you buy. Exemption in Germany: 0% after a 1-year holding period (private-sale exemption). Indicative 2026 overview, not tax advice.
Are these fees the full cost of buying?
No. The index ranks the percentage fee plus any listed monthly subscription from the Stacking Strategist fee schedule. Spreads and network (miner) fees are not included.
Does Virtuse execute the buy?
No. Virtuse never holds your keys. You complete KYC on the partner platform and buy there.