eumicaESMA data

N26

Fintechn26.com

Is N26 MiCA-licensed?

Yes: Licensed in Germany (BaFin) since May 2025

Licensed

Status definitions

Licensed
Current MiCA register entry (Article 63 authorisation or an eligible Article 60 route).
Pending
Application filed or publicly committed. No current register entry yet.
Restricted
No current entry, and the firm is restricting or withdrawing services for EEA users.
Not licensed
No current MiCA authorisation, including firms whose transitional period ended.
Out of scope
Protocol model that may fall under MiCA Recital 22. Scope is fact-specific.
Unclear
We could not match a current register entry from public sources.
Current MiCA register entry (Article 63 authorisation or an eligible Article 60 route).

Checked 14 Oct 2026 against the ESMA register (snapshot 6 Oct 2026)

N26 register record

Registered EEA entity
N26 Bank SE
LEI
529900JB9XYZ8E87N345GLEIF issued
Supervising or reporting authority
BaFinFederal Financial Supervisory Authority (BaFin)
Home state in register
DE Germany
Authorised
MiCA services
1 of 10
EEA passporting
Notified in 6 host states
Exchange type
Fintech
Last verified
Against the ESMA snapshot of 6 Oct 2026

1 of 10 services authorised

Art. 3(1)(16)
  • CustodyNot held
  • Trading platformNot held
  • Exchange crypto/fiatNot held
  • Exchange crypto/cryptoNot held
  • Execution of ordersNot held
  • PlacingNot held
  • Reception and transmissionAuthorised
  • AdviceNot held
  • Portfolio managementNot held
  • Transfer servicesNot held

Available in 7 of 30 states

Art. 65

Home state plus 6 host states notified under Article 65.

  1. Austria, passported
  2. Belgium, passported
  3. Bulgaria, not passported
  4. Croatia, not passported
  5. Cyprus, not passported
  6. Czechia, not passported
  7. Denmark, not passported
  8. Estonia, not passported
  9. Finland, not passported
  10. France, passported
  11. Germany, home state
  12. Greece, not passported
  13. Hungary, not passported
  14. Iceland, not passported
  15. Ireland, passported
  16. Italy, not passported
  17. Latvia, not passported
  18. Liechtenstein, not passported
  19. Lithuania, not passported
  20. Luxembourg, not passported
  21. Malta, not passported
  22. Netherlands, not passported
  23. Norway, not passported
  24. Poland, not passported
  25. Portugal, passported
  26. Romania, not passported
  27. Slovakia, not passported
  28. Slovenia, not passported
  29. Spain, passported
  30. Sweden, not passported
  • Home DE
  • Passported 6
  • Not notified 23

N26 MiCA status in detail

Yes, N26 has a current MiCA register entry supervised by BaFin in Germany, dated May 2025. 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.

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?

ESMA's register lists 6 host member states for the services in N26's home entry. The list records notifications to host regulators. It is not evidence that every service is live in each country, so check the contracting entity for your 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.

Back to the full register

EU MiCA is an independent tracker. ESMA and national regulators do not operate this site. The content is for information only and does not provide legal, financial or investment advice. Crypto-assets involve high risk. Users must be aged 18 or older.

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