Crypto wallets securely store and manage digital assets for users in Germany’s growing crypto ecosystem. Reliable wallets empower fintech startups, retail investors, and enthusiasts. Choosing wallets with strong encryption and BaFin compliance is essential to avoid risks like theft, phishing, and data breaches. Germany’s thriving crypto landscape demands trusted, secure, and compliant wallet solutions to safely drive fintech innovation forward.
After extensive testing, this guide delivers exclusive insights into the best crypto wallets in Germany. Each wallet was handpicked for its credible design, pricing models, and usability.
Best Crypto Wallets Germany: Top Picks!
| Wallet Name | Wallet Type | Supported Cryptocurrencies | Security Features |
|---|---|---|---|
| Zengo | Non-custodial | 380+ (BTC, ETH, etc.) | Multi-Party Computation, Keyless Recovery |
| Uphold | Hybrid | 300+ (BTC, XRP, etc.) | End-to-end Encryption, 2FA, Cold Storage |
| Tangem | Hardware (Cold Wallet) | 16,000+ (BTC, ETH, etc.) | EAL6+ Secure Chip, NFC Tap-to-Sign |
| Kraken | Custodial & Non-custodial | 200+ (BTC, SOL, etc.) | Cold Storage, 2FA, Proof-of-Reserves |
| Binance | Exchange & App | 350+ (BTC, BNB, etc.) | SAFU Fund, Cold/Hot Wallet Separation |
👉 Compare all wallets side-by-side
1) Zengo
Zengo is a secure, MPC-based crypto wallet that removes seed phrase risks by splitting key shards between your device and its server. With biometric recovery and zero hacks since 2018, it’s a trusted non-custodial option under BaFin guidelines. Ideal for German users, Zengo supports SEPA and PayPal integrations.
Key Features:
- Keyless security with 3-factor biometric recovery
- Euro-backed stablecoin (EUROC) support
- Gas-efficient multi-chain swaps
- ClearSign firewall for DeFi/NFT protection
Pros:
✅ Free version for sending/receiving crypto
✅ Real-time transaction analytics
✅ Beginner-friendly tutorials for German users
Cons:
❌ Identity checks required for large transfers
Pricing: Free (fees apply for trading/buying crypto).
2) Uphold
Uphold offers "Assisted Self-Custody" with 90% of assets in multisig cold storage. It supports 300+ cryptocurrencies, EUR deposits via SEPA, and complies with EU MiCA and BaFin standards.
Key Features:
- Instant EUR deposits
- Uphold Card (EU-compatible)
- Automatic tax reports for German regulations
Pros:
✅ Transparent fee structure
✅ "Anything-to-Anything" trading
✅ SOC-grade security
Cons:
❌ Currently unavailable for new German users
Pricing: Trading fees from 0.2%–2.95%.
3) Tangem
Tangem is an NFC hardware wallet with EAL6+ certified security. Its battery-free design and tap-to-sign feature make it perfect for German users seeking portable cold storage.
Key Features:
- Offline private key generation
- Supports 6,000+ cryptos
- Seed phrase optional
Pros:
✅ Zero key-leak vulnerabilities
✅ No annual fees
✅ Inheritance planning tools
Cons:
❌ Requires NFC-enabled phone
Pricing: Starts at $49.41 (2-card set).
FAQ
1. Are crypto wallets legal in Germany?
Yes, provided they comply with BaFin regulations. Non-custodial wallets like Zengo and Tangem are fully compliant.
2. How are crypto taxes handled in Germany?
- Gains tax-free after 1-year holding.
- Short-term gains under €1,000/year are exempt.
3. Which wallet is best for beginners?
Zengo’s keyless design and in-app tutorials make it ideal for new users.
Verdict
Top Picks for Germany in 2025:
- Zengo – Best for security and ease of use.
- Uphold – Best for multi-asset trading.
- Tangem – Best hardware wallet for cold storage.