Buy bitcoin with Apple Pay in Germany
- Status
- Legal
- Currency
- Euro (EUR)
- Takes Apple Pay
- 2 exchanges
- Last reviewed
- 2026-08-12
2 of the exchanges we recommend in Germany take Apple Pay for funding bitcoin purchases. It is one of several rails in use here; the full picture is in the Germany guide.
What is Apple Pay?
Apple Pay is not a payment rail of its own. It is a wallet from Apple that stores your existing Visa, Mastercard or other card and hands the merchant a device specific number and a one time code instead of your real card number. The payment clears over the same card network and is authorised by the same bank, so funding an exchange with Apple Pay is funding it with your card. Apple lists supported countries and regions across Europe, Asia Pacific, the Middle East, Latin America, Africa and North America, but each bank decides whether its own cards can be added.
- Speed
- Instant, because it is an ordinary card authorisation approved in a second or two, exactly as fast as tapping the underlying card.
- Cost
- Apple states that it charges no fee when you pay with Apple Pay in stores, online or in apps, so your cost is whatever the underlying card costs, including any cash advance treatment by the issuer.
- Limits
- Apple Pay adds no ceiling of its own, so your card issuer's per transaction and daily limits apply unchanged, and the card must be from a participating bank in a supported country.
Exchanges that take Apple Pay in Germany
Ranked as in our Germany guide. Every payment method shown is verified for this exact exchange and country pairing.
- 2Bitpanda4.4
Austria's regulated broker with three MiCAR licenses, built for European savers who fund by SEPA.
- Fees
- Bitcoin buys show no separate commission; the cost sits in a premium built into the quoted price. SEPA deposits are free, card deposits carry a fee.
- KYC
- Required
- Pay with
- SEPA transfer, SEPA Instant, Credit or debit card, Apple Pay, Google Pay
- 7Binance4.2
The largest crypto exchange by volume: the deepest bitcoin liquidity anywhere, the lowest headline spot fee of any major platform, and quarterly proof of reserves, under a settled US case and an independent monitor.
- Fees
- Spot trading starts at 0.1% maker and taker, with a 25% discount for paying fees in BNB. Card purchases and instant buys cost more because a spread and processing fee are added.
- KYC
- Required
- Pay with
- SEPA transfer, SEPA Instant, Credit or debit card, Sofort, Klarna, Apple Pay, Google Pay
Buy on BinanceRead the Binance reviewReferral link: signing up is credited to us and may earn a commission, at no extra cost to you.
See the full how-to-buy guide for GermanyEverything about buying bitcoin with Apple Pay
Watch: how to choose an exchange
We have not filmed a walkthrough for Germany yet, so this is our general one, from our YouTube channel @dontgetrekt. It also sits on the home page, next to the country search it starts from.
Do you need a VPN?
A VPN hides which sites you visit from the network you are on and from your internet provider, which is worth having when you move money over a connection you do not control. It does not get you past an exchange's identity checks: every platform we list verifies who you are no matter where you connect from.
If you want one, the strongest records on our list belong to NordVPN (6 independent no-logs audits, the most of any service we review), Windscribe (its no-logs claim tested in the real world 3 times) and Proton VPN (the most audited service with a free tier).
Other ways to pay in Germany
Apple Pay in other countries
Austria
Belgium
Bosnia and Herzegovina
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Greece
Hungary
Iceland
Ireland
Isle of Man
Italy
Jersey
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Switzerland
Vatican CityFrequently asked questions
Which exchanges accept Apple Pay in Germany?
Of the 7 exchanges we recommend in Germany, Bitpanda and Binance accept Apple Pay for funding purchases.
Is buying bitcoin with Apple Pay legal in Germany?
Bitcoin is fully legal in Germany. Exchanges serving German customers need authorisation under the EU's MiCA regulation, supervised nationally by BaFin, and Germany was among the first countries to issue MiCA licences in 2025. German tax law is unusually favourable to patient holders: gains on bitcoin held for more than one year are tax-free for private individuals, a treatment confirmed by the Federal Ministry of Finance in its 2022 guidance and reaffirmed in its March 2025 update.
How long does an Apple Pay deposit take?
Instant, because it is an ordinary card authorisation approved in a second or two, exactly as fast as tapping the underlying card. That is the rail itself; an exchange may hold a first deposit for longer while it verifies your account.
What does it cost to buy bitcoin with Apple Pay?
Apple states that it charges no fee when you pay with Apple Pay in stores, online or in apps, so your cost is whatever the underlying card costs, including any cash advance treatment by the issuer. Any fee the exchange adds on top is separate, and is shown per exchange above.