6 BEST Crypto Wallet in Germany (Comparison 2025)

Crypto wallets securely store and manage digital assets for users in Germany’s growing crypto ecosystem. Reliable wallets empower fintech startups, retail investors, and enthusiasts. As a user, I’ve learned that choosing wallets with strong encryption and BaFin compliance is essential to avoid risks like theft, phishing, and data breaches. Poor wallet security can lead to irreversible financial damage and privacy issues. Germany’s thriving crypto landscape demands trusted, secure, and compliant wallet solutions to safely drive fintech innovation forward.

After testing 40+ platforms and spending over 100 hours in hands-on trials, this guide to the BEST Crypto Wallets Germany delivers exclusive, in-depth insights. Each wallet was handpicked for its credible design, pricing models, and usability. Read more…

Best Crypto Wallets Germany: Top Picks!

Wallet Name	Wallet Type	Supported Cryptocurrencies	Security Features	Link
Zengo	Non-custodial, Self-custody	1000+ including Bitcoin (BTC), Ethereum (ETH)	Multi-Party Computation, Keyless Recovery	Learn More
Uphold	Digital (custodial and self-custodial)	300+, including Bitcoin (BTC), XRP,	End-to-end Encryption, 2FA, Cold Storage	Learn More
Tangem	Non-custodial, Hardware (Cold Wallet)	16,000+, including Bitcoin (BTC), Ethereum (ETH)	EAL6+ Secure Chip, Hardware Isolation	Learn More
Kraken	Custodial and Non-Custodial (wallet app)	200+, including Bitcoin (BTC), Solana (SOL)	Cold Storage, 2FA, Withdrawal Whitelisting	Learn More
Binance	Custodial (Exchange), Non-custodial (App)	350+, including Bitcoin (BTC), BNB	Cold/Hot Wallet Separation, SAFU Insurance Fund	Learn More

1) Zengo

Zengo is a secure, MPC-based crypto wallet that removes seed phrase risks by splitting key shards between your device and its server. With 3-factor biometric recovery and zero hacks since 2018, it’s a trusted non-custodial option under BaFin guidelines. Zengo supports AML-D5/KYC-compliant fiat on-ramps and integrates with SEPA and PayPal, making it ideal for German users.

It’s beginner-friendly for Bitcoin buyers and also appeals to NFT and DeFi users with ClearSign firewall protection. With 1.5 M+ installs and a 4.78-star rating, it offers gas-efficient multi-chain swaps. My expert tip: Activate “Legacy Transfer” to ensure crypto inheritance if you’re inactive for 3–24 months.

Features:

• Security: Zengo is a keyless crypto wallet using a three-factor recovery system: email, cloud backup, and 3D FaceLock. Zengo Pro adds theft protection, secure vaults, inheritance support, and institutional-grade MPC security.
• Real-Time Transaction Analytics: This crypto wallet provides real-time transaction analytics with interactive breakdowns of costs, speeds, and counterparties. I recommend exporting this data for tax tracking, especially as German regulators require transparent reporting of digital asset transactions under BaFin guidelines.
• Fee Customization Controls: Zengo lets users customize Bitcoin and Ethereum fees to balance speed and cost. I saved significantly by sending during off-peak hours. For users transacting between EUR and crypto, Zengo’s interface clearly highlights real-time network congestion to help reduce unnecessary conversion costs.
• Direct Access to DeFi DApps: It enables secure access to DeFi apps through WalletConnect without exposing your keys. I suggest reviewing the ClearSign firewall prompt, especially as more German businesses integrate Web3 services into mainstream finance.
• Support for Euro-backed Stablecoins: Zengo makes it easy for German crypto enthusiasts to hold, trade, and send Euro Coin (EUROC), a stablecoin backed 1:1 by the euro. This makes it easy for German users to manage euro-denominated crypto assets securely and conveniently.
• Multiple Euro Payment Methods: German users can buy crypto using various euro-friendly payment options, including bank transfer (SEPA), credit/debit cards (Visa, Mastercard, Maestro), Apple Pay, Google Pay, and PayPal (where available). These options ensure flexibility and ease of access for purchasing cryptocurrency on Zengo.
• Support for Staking (Where Available): Zengo supports staking for select coins, showing estimated returns and lock-up periods. I’ve found it seamless to earn passive rewards. This is particularly valuable in a country where crypto gains are tax-exempt after one year of holding.

Pricing:

Zengo crypto wallet offers a free version with no fees for sending, receiving, or securely storing crypto assets. However, fees apply when buying, selling, or trading cryptocurrencies through integrated third-party services.

Visit Zengo >>

---

2) Uphold

Uphold is a hybrid crypto wallet offering “Assisted Self-Custody” via a secure Vault that stores 90% of assets in multisig cold storage. It offers easy access to over 300 cryptocurrencies, 27 fiat currencies, and precious metals. This German crypto wallet meets EU MiCA and BaFin standards, supports SEPA EUR deposits, and enables intuitive anything-to-anything swaps. With SOC-grade security, end-to-end encryption, and 24/7 monitoring, Uphold ensures continuous protection and institutional-grade reliability.

It suits beginners, alt-coin traders, and multi-asset users alike. As a regular user in Germany, I especially value its advanced memo/tag support across chains—it simplifies alt-coin trades and keeps everything compliant within the European financial system.

Features:

• Instant EUR Deposits: You can instantly deposit euros directly from German bank accounts via SEPA. This feature is crucial for German users, ensuring fast transactions and minimizing waiting times, which is especially helpful when taking advantage of volatile crypto price movements.
• Integrated Compliance With BaFin Regulations: Uphold strictly adheres to the latest German and EU laws. Its operations are transparent and regularly audited, providing a high level of trust for users in Germany who want to ensure their assets are safe and compliant with regulatory standards.
• Uphold Card (EU-Compatible): German users can apply for the Uphold Card to spend crypto or fiat directly. It supports contactless payments and works across the EU. In cities like Munich, it’s accepted at most major retailers that support Mastercard.
• Automatic Tax Reports: Uphold provides downloadable, compliant tax reports tailored for German users. These reports align with the latest German crypto tax rules, making it easier for residents to fulfill local tax obligations without hassle.
• “Anything-to-Anything” Transfers: Uphold’s standout feature is the ability to trade between any asset pair instantly. You can trade from BTC to gold, or EUR to XRP, without first converting to fiat. When I first discovered this, it simplified multi-asset management significantly and saved time compared to other wallets.

Pricing:

Uphold charges trading fees from 0.2% to 2.95%, with free SEPA deposits and standard withdrawal fees for German users. However, new account registrations from Germany are currently blocked due to regulatory restrictions. Fees vary by asset and payment method.

Visit Uphold >>

---

3) Tangem

Tangem is a non-custodial NFC hardware wallet that securely stores private keys on an EAL6+-certified Samsung chip, offering strong resistance to hacking, cloning, and physical threats. Designed to meet Germany’s strict crypto regulations, it enables full on-chain asset control without KYC or custodial risk. Mobile traders, stakers, and everyday spenders will appreciate its cold storage, battery-free design, and Visa-powered Tangem Pay.

From my experience, the second-generation tap-to-sign feature, confirming transactions only through physical tap, feels like a true breakthrough. Soon, you’ll even be able to spend crypto globally. In Germany, Tangem blends convenience, portability, and robust self-custody like no other.

Features:

• Wide Cryptocurrency support: Tangem supports 16,000+ cryptos across 85 networks. From Bitcoin to obscure altcoins, it’s impressively versatile. While using this feature, I suggest organizing assets by token type to avoid clutter, especially useful when converting euros into crypto.
• EAL6+ Certified Chip: The card uses a highly secure EAL6+ chip, the same standard used in biometric passports. It ensured unmatched protection for your crypto. I tested similar chips in banking systems and felt confident that this design meets German compliance standards.
• Offline Private Key Generation: Tangem generates private keys using a true hardware RNG inside the card. The key never leaves the chip, keeping it offline at all times. I verified this via the TÜV-like audit reports, essential for peace of mind.
• Instant NFC Transaction Signing: NFC lets you tap to sign in seconds without cables. While testing in Berlin’s cafés, I found this seamless and intuitive. You will notice transactions complete faster than with USB wallets.
• On‑App BTC/ETH History & Price Feed: No need for third‑party explorers—you get transaction history and 24‑hour price charts directly in-app. This is handy when tracking crypto-Euro performance for tax reporting.
• Seed Phrase Optionality: You can choose to use a BIP39 seed phrase or go seedless. I once imported a 12‑word seed from MetaMask for emergency recovery, trustworthy and straightforward.
• NFT: Tangem Wallet allows users to securely store, receive, and manage NFTs across blockchains like Ethereum, Solana, and Polygon, and connect to OpenSea via WalletConnect.

Pricing:

Here is the updated pricing for Tangem Wallet. But please note that prices may fluctuate due to currency rates, retailer promotions, or local taxes. Always check the specific retailer for the most accurate and up-to-date pricing.

Product	Standard Price	10% off Discounted Price (with code: SUMMER10)
2 Card Set	$54.90	$49.41
3 Card Set	$69.90	$62.91
Family Pack	$139.80	$125.82
Tangem Ring (2 cards)	$160.00	$144.00

Visit Tangem >>

---

4) Kraken

Kraken, rebranded as “Kraken powered by DLT” in Germany, is a BaFin-regulated crypto platform operating under DLT Securities GmbH and DLT Custody GmbH. It complies with strict EU KYC/AML rules, including proof-of-funds for EUR deposits over €25,000. With 95% of assets in cold storage, 2FA, withdrawal whitelisting, and early adoption of Proof-of-Reserves audits, Kraken offers institutional-grade security.

While staking and margin are limited in Germany, it supports 185+ spot markets and fee-free SEPA EUR deposits. As a seasoned user, I appreciate its instant crypto buys via Apple/Google Pay—especially with the 72-hour withdrawal lock, which adds a layer of safety. Pro traders seeking deep liquidity, secure custody, and compliance‑focused individuals are arguably Kraken’s biggest admirers.

Features:

• BaFin‑regulated custody: Kraken operates in Germany via DLT Custody GmbH, licensed by BaFin. This offers German users compliant, institutional‑grade storage of crypto assets. I witnessed firsthand how regulatory clarity boosted local trust here.
• EUR‑denominated funding: German users can deposit and withdraw in € via SEPA, Apple Pay, Google Pay, Visa, or Mastercard. This seamless integration of EUR funding makes it ideal for users across Berlin and Munich.
• Industry‑standard security suite: Kraken consistently ranks #1 in exchange security. It includes biometric auth, encryption, PGP‑signed emails, SSL, global time lock, and real‑time monitoring.
• Kraken Connect bridge: Kraken Connect (OAuth2) lets you link your exchange balance directly to your self‑custody wallet. I suggest enabling it early—it saved me time on fund transfers.
• Proof‑of‑Account API & FIX: Kraken’s API includes FIX support and detailed endpoints. I once leveraged the FIX API to auto‑sync wallet balances with German tax tools, saving hours during MiCAR‑driven filings.
• Low trading fees with maker/taker tiers: Fees as low as 0% maker / 0.10% taker; using limit and post‑only orders helps reduce costs significantly. While testing order types, I noticed selecting “post‑only” cut costs by up to 60%.

Pricing:

Kraken Wallet is free to download and use. There are no fees for opening or maintaining your account. However, trading, payment method, and small balance conversion fees may apply. Trading fees are typically 0%–0.40%, and a 3% fee applies for small conversions.

Visit Kraken >>

---

5) Binance

Binance Wallet enables seamless euro-to-crypto transactions for German users with low fees, deep liquidity, and powerful trading tools. It features AES encryption, cold storage, 2FA, address whitelisting, AI-driven monitoring, and a $1 billion SAFU fund for institutional-grade security. Regular Proof-of-Reserves audits verify 1:1 asset backing. Full KYC/AML compliance ensures alignment with BaFin, MiCA, and 5AMLD regulations.

This wallet suits active traders, DeFi users, and investors seeking secure, compliant storage. I find the “transaction tagging” tool in this Euro wallet especially useful; it helped me organize trades by tax categories under German capital-gain laws.

Features:

• Binance Web3 Wallet with MPC Security: This semi‑custodial wallet uses multi‑party computation (MPC), eliminating the need to manage seed phrases personally. You get enhanced dApp integration, swaps, and staking—all without the stress of private key custody.
• Advanced Stop‑Limit & Grid Bots: With built‑in tools like stop‑limit orders and grid bots, traders can automate buys/sells. I suggest Germans explore grid trading during sideways EUR/BTC phases in Frankfurt, since it minimizes emotional trading around local economic announcements.
• Gift‑Card “Hidden Wallet” Strategy: You can covert crypto into gift cards via Binance Pay and redeem them later, keeping funds off‑wallet and fee‑exempt. While using this feature, one thing I noticed is how it acts like a stealth DCA time capsule—ideal for German users managing volatility.
• SAFU Insurance Fund: Binance allocates ~10% of fees to its Secure Asset Fund for Users (SAFU), offering coverage if the platform is hacked. German users benefit from stronger financial safety nets, especially under informed awareness of BaFin’s regulatory expectations.
• SEPA Support for EUR Deposits: Binance supports SEPA transfers, enabling fast and free EUR deposits. Though pro users sometimes note occasional delays under German banking systems, I’ve used it extensively for smooth euro-to-crypto conversions in Berlin and Hamburg.
• Staking & Binance Earn: Earn flexible or locked interest on assets like BNB or ETH via Earn. German investors benefit from this, especially with BaFin’s interest‑related tax exemption thresholds (e.g., €256/year).

Pricing:

Binance does not charge any deposit fees for cryptocurrencies. Binance uses a maker-taker fee model for most trading activities. For spot trading, the standard fee for regular users starts at 0.1% per trade for both makers and takers. These fees can be reduced based on your 30-day trading volume and VIP tier status. By holding and using BNB (Binance Coin) to pay trading fees, you can receive up to a 25% discount on trading fees.

Visit Binance >>

---

6) Nexo

Nexo is a crypto wallet and financial platform that lets German users trade 100+ assets, earn up to 15% interest in EUR, and access crypto-backed credit lines from 2.9%. It ensures strong security with AES-256 encryption, 2FA, SOC 2 Type 2, ISO certifications, and custody partners like Fireblocks and Ledger Vault. Fully compliant with BaFin, MiCA, and Germany’s Geldwäschegesetz, it supports SEPA transfers and EUR rewards of up to 2% via the Nexo Card.

I value its address whitelisting; it gives me greater control. My SEPA transfer from Sparkasse cleared smoothly, making it a trusted EUR-based option. In Germany, Nexo caters to active traders, yield-oriented users, and those utilizing the Nexo Card for everyday transactions.

Features:

• Fixed‑Term Savings: You can lock funds for up to 12 months to secure higher yields.. You benefit from Germany’s € currency stability and earn guaranteed returns over a known period.
• Dual‑Mode Nexo Card: One card works in both debit and credit modes, shifting as you need. Spend without selling crypto, earn up to 14% interest, and get 2% crypto cashback in credit mode. The switch is seamless.
• Crypto‑Backed Credit Line: Borrow funds from 2.9% APR using crypto as collateral without triggering a taxable event. I tested this feature in Berlin, and it outperformed traditional bank loans in speed and cost. It’s compliant with Germany’s regulatory framework.
• Nexo Exchange: Swap among 100 + digital assets with cashback rewards. Recurring buy orders are supported. While testing, I noticed cashback adds up fast even with modest trades, especially in euro-denominated swaps.
• Loyalty Tier Program: Hold NEXO tokens (1–10 % of portfolio) to reach Silver, Gold, or Platinum tiers. Higher tiers unlock better interest rates, lower loan APRs, free withdrawals, and more cashback. In Germany, this helps navigate local tax efficiency.

Pricing:

Nexo charges $0.99–$1.99 swap fees for orders under $250, free above; withdrawals on Solana, Polygon, and Arbitrum are free, BTC/ETH incur network fees with some free monthly withdrawals for Platinum users; internal transfers are free, and spreads average approximately 2%.

Visit Nexo >>

Comparison between the best Crypto Wallets in Germany

Wallet	Zengo	Uphold	Tangem	Kraken	Binance
Self Custody	✔️	✔️	✔️	✔️	✔️
Staking Integration	✔️	✔️	✔️	✔️	✔️
Air-Gapped Security	❌	❌	hardware	❌	❌
Backup and Recovery	MPC recovery	✔️	card backup	✔️	✔️
Integrated Tax Reporting Tools	❌	✔️	❌	✔️	✔️

How do tax implications affect the value of Crypto in Germany (Key Tax Rules for cryptocurrency user activities)

Germany’s cryptocurrency tax rules significantly influence investment behavior and asset valuation by incentivizing long-term holding and providing specific tax exemptions.

Here are the key tax rules for cryptocurrency activities

Holding & Capital Gains

• 1-year holding period: Crypto gains are tax‑free if held over 12 months.
• Profit cap exemption: Short-term gains under €1,000/year are also tax-free; the full amount is taxable if higher.

Staking, Lending & Mining

• Income on receipt: Rewards taxed as “other income” under § 22 No. 3, at 0–45%, with a €256 annual exemption for staking.
• Holding period reset? No ten‑year rule; 1‑year still applies after staking/lending.

Token Events

• Crypto-to-crypto trades and NFT sales: Taxable if within 1 year.
• Airdrops/hard forks: If no service is provided, the sale is tax-free after 1 year.

Gifts & Donations

• Annual gift allowance: Up to €20,000 (friends) or €500,000 (spouses) tax-free.

Bottom line: You should track dates rigorously. Remember, selling or trading within a year triggers progressive income tax (up to 45% + solidarity fee). However, you will not have to pay any tax on the profits after the first year period.

FAQs

Verdict

After reviewing the top contenders in Germany’s crypto space, these three wallets emerged as the most secure, innovative, and user-friendly, as per my top picks:

• Zengo: Zengo leads with cutting-edge keyless security, biometric login, and seamless multi-asset support — ideal for German users valuing maximum safety without sacrificing usability or advanced crypto features.
• Uphold: Uphold offers an all-in-one platform for trading, holding, and spending crypto with transparent fees, euro support, and a clean interface — perfect for users wanting a regulated, multi-asset experience.
• Tangem: Tangem’s hardware wallet combines Swiss-grade security with NFC simplicity. No batteries or cables — just tap and go. It’s a great cold storage solution for long-term German crypto holders.