Germans Can Now Buy Bitcoin Directly From Their Bank Accounts
A major shift is unfolding in Europe’s financial system and it’s happening quietly inside everyday bank accounts. Germany’s largest retail bank is now allowing millions of customers to buy bitcoin and other major cryptocurrencies directly through their regular investment accounts.
ING Deutschland has opened access to crypto-backed exchange traded products that track bitcoin, ether and solana. These products can be purchased inside the bank’s existing securities accounts, the same place customers already trade stocks, ETFs and funds. No separate crypto exchange. No digital wallets. No private keys to manage.
For everyday investors, this changes the experience completely. Buying crypto no longer feels like stepping outside the traditional financial system. It now sits alongside familiar investments, inside a regulated bank environment, using tools people already trust.
These products are backed by real digital assets and are issued by well-known global firms such as 21Shares, Bitwise and VanEck. Prices move in line with the underlying cryptocurrencies, but the handling stays firmly within the banking system. Trades settle like other securities and custody is managed professionally behind the scenes.
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One detail stands out and it matters. In Germany, these products receive the same tax treatment as holding bitcoin directly. If held for more than one year, gains are currently tax free under German rules. That alone could significantly influence long term investor behavior.
This move reflects a broader trend. Retail crypto adoption in Germany has been rising steadily, with millions already exposed to digital assets. What ING is doing now is lowering the barrier even further, turning crypto into a mainstream option rather than a niche experiment.
It also signals something larger for the global banking industry. Traditional banks once kept crypto at arm’s length. Now, they are integrating it into core investment offerings. Not as speculation on the fringes, but as part of standard portfolio access.
For crypto markets, this could mean deeper participation, steadier inflows and greater legitimacy in the eyes of cautious investors. For regulators, it shows how digital assets can exist within existing financial frameworks rather than outside them.
And for everyday savers, it raises a simple but powerful question. If buying bitcoin becomes as easy as buying a stock, how many more people will step in.
This is one development worth watching closely. Stay with us as global finance continues to reshape itself and as the line between traditional banking and digital assets keeps getting thinner.
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