Buy bitcoin at the Sparkasse: costs and process

Buying Bitcoin through a Sparkasse has been available since October 19, 2026 via the Sparkasse app, using DekaBank’s crypto offering. Each order costs a flat 0.99 euros plus a markup on the market price, which DekaBank does not disclose. Custody and delivery are free, but transfers are limited to addresses of authorized crypto service providers, not to a personal wallet. There is no minimum order, and the maximum is 250,000 euros per transaction. Rollout is staggered, with each Sparkasse deciding when to start; about 30 to 40 institutions are expected monthly.