Bitcoin Investment in Germany: Retail Access Expands Amidst Market Volatility

FRANKFURT, 3 February 2026 – The German cryptocurrency landscape is witnessing a significant shift as traditional banking institutions integrate digital assets despite a period of intense market correction. While Bitcoin (BTC) has retreated from its 2025 record highs, the infrastructure for German investors to “kaufen” (buy) and trade has become more robust through regulated financial channels.

ING Germany Lowers Barriers to Entry

In a landmark move for the German retail sector, ING Germany has officially rolled out cryptocurrency Exchange-Traded Products (ETPs). This development allows investors to gain exposure to Bitcoin, Ethereum, and Solana directly through their existing brokerage accounts. By treating these assets as regular securities, the bank provides a familiar environment for retail investors, bypassing the need for external digital wallets or unregulated exchanges.

This institutional adoption coincides with the full implementation of the Markets in Crypto-Assets (MiCA) regulation across the European Union. MiCA has provided the legal certainty required for major German banks to offer “banking-grade” crypto services, effectively replacing the more volatile “cowboy finance” era of previous years.

Market Performance and Technical Outlook

As of 3 February 2026, Bitcoin is navigating a challenging technical environment. After reaching a historic peak of over €116,000 ($126,000) in late 2025, the asset has entered a significant cooling-off period. Recent data shows BTC trading in the region of €72,500 to €73,000 ($78,500), marking a 10-month low during the previous 24-hour cycle.

Analysts suggest that the current “crypto winter” is being driven by tighter financial conditions and institutional de-risking. In the United States, spot Bitcoin ETFs recorded net withdrawals of approximately €1.48 billion ($1.6 billion) this month, reflecting a broader trend of capital outflows from risk-on assets.

Key Market Indicators: February 2026

Regulatory Oversight and Security

The Federal Financial Supervisory Authority (BaFin) remains vigilant regarding the stability of the German financial system. In a recent press conference on 28 January 2026, BaFin highlighted the risks associated with digital asset volatility. Furthermore, security remains a priority; recent audits of Bitpanda’s German subsidiary flagged information security concerns, which the exchange has since stated are being addressed. For German investors, the focus has shifted from speculative gains to the security of the underlying platforms and compliance with EU-wide standards.

Frequently Asked Questions

Is it legal to buy Bitcoin in Germany?

Yes, buying Bitcoin is legal in Germany. The market is regulated under the EU’s MiCA framework and supervised locally by BaFin. Investors can purchase BTC through specialized exchanges or increasingly through traditional banks like ING Germany via ETPs.

How is Bitcoin taxed in Germany?

In Germany, Bitcoin is treated as a private asset. If you hold your Bitcoin for more than one year before selling, the capital gains are currently tax-free. If sold within a year, gains exceeding the €600 threshold (subject to specific annual limits) are taxed at your personal income tax rate.

What is the safest way to buy Bitcoin in Frankfurt?

The safest method is using BaFin-regulated platforms or traditional German banks that offer crypto securities. This ensures that the provider adheres to strict capital requirements and consumer protection laws.