Overview

• German clients can now buy, sell and hold Bitcoin, Ether, Litecoin, Polygon and Cardano directly within their Openbank investment accounts.
• Openbank sets a 1.49% trading fee with a €1 minimum per transaction and charges no custody fees for holding digital assets.
• The service is described as fully aligned with the EU’s MiCA framework, applying bank-standard identity checks and investor protections.
• Santander says the rollout to Spain is planned in the coming weeks, with broader EU availability targeted later this year.
• Openbank plans to add more tokens and introduce crypto-to-crypto conversions as European banks race to offer regulated retail crypto access.