Is N26 MiCA-licensed?
Status checked on 2 August 2026 against the official ESMA register
Yes, N26 has a current MiCA register entry supervised by BaFin in Germany, dated May 2025. The facts table states the legal route when verified. The German neobank holds a BaFin MiCA authorisation from May 2025 for the reception and transmission of orders. N26 offers crypto services in its app.
Practical effect: The named EEA entity is supervised for the services in its current MiCA register entry. Conduct and disclosure rules apply. Safeguarding and custody liability depend on the service and the entity that holds the assets or funds. You can escalate complaints to BaFin.
Read what a CASP licence covers, or compare tracked licensed exchanges on register facts.
At a glance
- Supervising or reporting authority
- BaFin
- Registered EEA entity
- N26 Bank SE
- Home state in register
- Germany
- MiCA register route
- Current entry with no separate route classification
- Register entry date
- May 2025
- EEA passporting
- Eligible under Article 65. Notified host states not verified
- Exchange type
- Fintech
- MiCA services
- 1/10
MiCA service scope in the register · 1 of 10
The MiCA register records specific crypto-asset services. N26's recorded scope includes:
- Reception and transmission
Common questions
Who regulates N26 in the EU?
N26 has a current MiCA register entry with no separate legal-route classification in our curated entry in Germany, dated May 2025. BaFin supervises the entry. The registered entity is N26 Bank SE. The ESMA register is the source of truth for the current entity and service scope.
Can N26 serve customers across the whole EEA?
N26 is eligible to use MiCA's host-state notification route for the services in its home entry. We have not verified which host states or services were notified, so the home entry is not evidence of live coverage in every EEA country.
Does MiCA protect my funds on N26?
MiCA applies conduct and disclosure rules to the registered EEA entity for the recorded service. Safeguarding duties depend on which service and entity hold client crypto-assets or funds. Article 75 covers custody liability for attributable loss and caps that liability. MiCA does not provide a deposit guarantee, and crypto-assets can lose value.
How do I verify N26's licence myself?
Search the official ESMA CASP register for N26 Bank SE. National regulators update the records each week. Use the official register as the authoritative source.
