Overview

• On June 30, 2025, the DSGV’s Gesamtvorstand under Ulrich Reuter approved regulated Bitcoin and Ether trading for Sparkassen customers via Dekabank.
• Sparkassen will refrain from marketing or advising on crypto investments, stressing their speculative nature and the possibility of total loss.
• Customers will access self-directed trades through the Sparkasse app, where they must acknowledge transparent warnings about volatility and risk.
• The move follows a late-2024 Volksbanken pilot and neobanks’ established offerings from N26 to Revolut alongside new EU MiCAR rules setting supervisory standards.
• Bitcoin’s price has surged 77 percent over the past year, fueling retail demand and prompting traditional banks to adapt.