21bitcoin

The offer

21bitcoin is a Bitcoin appGlossaryBitcoin appA smartphone app you can use to buy, save and often also store bitcoin. The key difference: some apps hold the bitcoin for you, others give you your own keys from the start.On the learning path: Stage 4 · Step 1 – Ways to get Bitcoin →In the glossary →× from FIOR Digital GmbH in Salzburg. You buy, sell and save only Bitcoin there.^[1] Its target markets are Germany and Austria; for users in Germany, the app tracks the tax holding periodGlossaryHolding period (speculation period)In Germany, the gain from selling privately held bitcoin is tax-free if more than one year passes between purchase and sale (§ 23 EStG, as of September 2026). Each purchase has its own holding period.On the learning path: Stage 6 · Step 3 – Bitcoin & tax →In the glossary →×.^[3] If you live elsewhere, check before signing up whether 21bitcoin accepts customers from your country.

Costs (as of September 2026)

• Savings planGlossarySavings plan (Bitcoin savings plan)Automatically buying bitcoin at fixed intervals with a fixed amount, for example $50 a month. A savings plan takes the question of the right moment off your hands, but doesn’t promise a higher return.On the learning path: Stage 4 · Step 4 – Setting up a savings plan →In the glossary →× (‘Auto-Invest’): buys regularly from your euro balance, from €10 per purchase. For the first 7 days, each purchase costs 0.99% according to the fees page (0.79% with a referral code), or the instant-buy fee of 1.49% according to the help centre; the app shows which applies before you confirm. From day 8 it is 0% for as long as the plan stays active.^[1],[2] If you save by standing order straight from your bank account, each purchase costs 0.99%.^[2]
• Instant buy (‘Smash Buy’): 1.49%, or 1.29% with a referral code; limit order 1.49%; each from €10.^[1],[2]
• Selling: 1.49%.^[1]
• Euros: deposits €0, withdrawals €1. There is no fee for the account or custody.^[1]
• Withdrawal to your own wallet: a flat 1,000 sats, regardless of how busy the network is; minimum 0.0001 BTC.^[1] For scale: $1 is currently about 1,169 sats.

How to compare costs between providers: Understanding fees.

Licence and custody

Austria’s Financial Market Authority (FMA) authorised 21bitcoin as a crypto-asset service provider (CASPGlossaryCASP (crypto-asset service provider)A company that professionally provides crypto-asset services to customers – such as trading, exchange, custody or transfers. In the EU, every CASP needs an authorisation under MiCA.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →×) under MiCAGlossaryMiCA (Markets in Crypto-Assets Regulation)The EU regulation on markets in crypto-assets. Since 30 December 2024, exchanges, brokers and custodians in the EU have needed authorisation; the last transitional period ended on 1 July 2026. MiCA regulates providers, not Bitcoin itself.On the learning path: Stage 4 · Step 2 – Choosing a provider →In the glossary →× on 27 November 2025 – for custody, exchange for money and transfers, and via passporting across the entire EEA.^[4],[5] What that means is explained in MiCA & regulation.

The bitcoin you buy are held by the provider at first – 21bitcoin is then your custodianGlossaryCustodian (custodial)A provider such as an exchange or app that holds the private keys for you. Convenient, because support can help if you lose your password – but you don’t hold the bitcoin yourself and depend on the provider paying out.On the learning path: Stage 5 · Step 1 – Understanding custody →In the glossary →×. On the technical side, BitGo Europe holds the keys to the cold wallets. According to 21bitcoin, BitGo’s custody infrastructure is insured for up to $250 million under the current terms – in total, not per customer.^[6],[3]

Withdrawing to your own wallet

You can withdraw at any time or set up an automatic transfer: once your balance reaches a bitcoin limit you choose, the app sends it to your wallet. If you store your wallet’s xpubGlossaryxpub (extended public key)An extended public key from which all the addresses of a wallet account can be calculated. Nobody can spend bitcoin with it – but anyone who knows it can see your entire account history.In the glossary →×, the app derives fresh addresses from it.^[6] This way you move to self-custodyGlossarySelf-custodyYou hold the private keys to your bitcoin yourself – in your own wallet rather than with a provider. Nobody can freeze your bitcoin. But nobody can help you if you lose your seed phrase and keys.On the learning path: Stage 5 · Step 1 – Understanding custody →In the glossary →× gradually. Step by step: Your first withdrawal to your own wallet.

Data leak in August 2026

On 28 August 2026, attackers read data from 21bitcoin’s support system. They used a stolen access key belonging to Canny, an external feedback tool connected to that system. Depending on the person, the data included name, email address, phone number, date of birth, account status, in some cases the balance at the time, and the subject of earlier support requests. According to 21bitcoin, customers’ funds, transaction data, passwords, 2FA codes, home addresses and identity documents were not affected.^[7]

The risk for customers is targeted phishingGlossaryPhishingFraud using fake emails, text messages, websites or calls that look like genuine exchanges, wallet makers or banks. The goal is your passwords, 2FA codes – and above all your seed phrase.On the learning path: Stage 6 · Step 2 – Spotting scams →In the glossary →×: convincing emails, text messages or calls in 21bitcoin’s name, possibly referring to a real support request. 21bitcoin never asks for your password or 2FA code. Since 2 September 2026, genuine emails contain a personal security code, which you can find in the app under Profile → Security → Email Security.^[7] How to recognise fraud: Spotting & avoiding scams.