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Exchanges13 November 2026

Buy bitcoin through your bank: ING, Rabobank, ABN AMRO, bunq

In the Netherlands, ING, Rabobank and ABN AMRO only sell exchange-traded products that track bitcoin. bunq sells real bitcoin via Kraken. Costs compared.

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If you live in the Netherlands and want to buy bitcoin from your own bank, the three big banks will sell you something other than bitcoin. ING, Rabobank and ABN AMRO only offer exchange-traded products that track the bitcoin price: an ETN or an ETP. You buy them through your investment account, after passing a knowledge test, and only while the stock exchange is open. You never own the bitcoin itself. Real bitcoin in a banking app is available in the Netherlands from bunq, which works with Kraken to offer it.

Buying bitcoin through your bank in short

  • ING: four crypto ETNs and one bitcoin ETP through Zelf op de Beurs, €1.00 + 0.10% per transaction (maximum €150).
  • Rabobank: one iShares bitcoin ETP through Rabo Zelf Beleggen, €5 + 0.05% per transaction (maximum €150), plus product costs and a basic service fee.
  • ABN AMRO: crypto ETPs through Zelf Beleggen Plus, at the rate for ETFs outside the core range.
  • At all three: a knowledge test first, trading on the stock exchange, and you do not own any bitcoin.
  • Real bitcoin in the app: bunq (trading and custody by Kraken), from €1, with fees from 0.25% per transaction.
  • No crypto found in the investment offering of ASN Bank and Knab.

ETN or ETP: what are you actually buying from the bank?

An ETN (exchange-traded note) or ETP (exchange-traded product) is a security that trades on a stock exchange and tracks the price of a cryptocurrency. When bitcoin rises, the product rises with it; when bitcoin falls, so does the product. The issuer buys and holds the bitcoin; you buy a share of that product.

Rabobank puts it bluntly: ‘Bij aankoop van het Bitcoin-ETP ben je geen eigenaar van Bitcoin’ (when you buy the Bitcoin ETP, you are not the owner of Bitcoin) and ‘Jij hebt geen recht op die Bitcoins’ (you have no right to those Bitcoins). ABN AMRO says the same in different words: ‘Je belegt via de beurs en bezit de cryptovaluta niet zelf’ (you invest via the stock exchange and do not own the cryptocurrency yourself).

That has three practical consequences:

  1. Only during exchange hours. Bitcoin trades around the clock; an ETN or ETP only trades while the exchange is open. ING and Rabobank point this out themselves.
  2. No wallet of your own. You cannot send the bitcoin to your own wallet. At ING, however, you can transfer the product to an investment account outside ING, if the receiving party accepts it.
  3. A knowledge test first. Crypto ETNs and ETPs count as complex products. Without passing the test, you cannot buy them (ABN AMRO) or you get a warning that the product is not suitable for you (Rabobank).

ING: four crypto ETNs and one ETP through Zelf op de Beurs

ING writes: ‘Bij ING kan je uitsluitend indirect, via Crypto ETN's, in cryptovaluta beleggen’ (at ING you can only invest in cryptocurrency indirectly, through crypto ETNs). You need a Zelf op de Beurs account linked to your ING current account. If you have not yet taken the knowledge test for ‘Complexe Trackers’ (complex trackers) and ‘Crypto ETN's’, you take it first. If you fail, you can retake it.

ING's list contains five products, four ETNs from WisdomTree and one ETP from iShares:

ProductCoinISIN
WisdomTree Physical Bitcoin ETNBitcoinGB00BJYDH287
iShares Bitcoin ETPBitcoinXS2940466316
WisdomTree Physical XRPXRPGB00BRXHQ425
WisdomTree Physical Ethereum ETNEthereumGB00BJYDH394
WisdomTree Physical SolanaSolanaGB00BNGJ9G01

The costs are the same as for shares: €1.00 + 0.10% per transaction for orders below €300,000, with a maximum of €150. ING rates the risk of these products as ‘zeer groot’ (very high): 6 or 7 on a scale of 7.

Rabobank: one bitcoin ETP through Rabo Zelf Beleggen

Rabobank offers one product: the iShares Bitcoin ETP, only through Rabo Zelf Beleggen and without advice. Rabobank first asks the knowledge and experience questions required by law. If you do not pass, you get a warning that the product is not suitable; you can try again.

The costs according to Rabobank:

  • Transaction costs: €5 + 0.05% of the value of your purchase or sale, maximum €150.
  • Product costs: 0.15% a year, included in the price. From 1 January 2027 this rises to 0.25%.
  • Basic service fee: 0.06% per quarter of your average invested assets, minimum €5. The percentage falls as your assets grow.

A worked example: if you buy €1,000 of the bitcoin ETP, you pay €5 + €0.50 = €5.50 in transaction costs. If you later sell for the same amount, that is another €5.50. On top of that come the product costs in the price and the basic service fee on all your invested assets, with a minimum of €5 per quarter.

ABN AMRO: crypto ETPs through Zelf Beleggen Plus

ABN AMRO sells crypto ETPs through Zelf Beleggen Plus. You need ‘een succesvol afgerond kennisexamen over exchange traded notes en certificaten’ (a successfully completed knowledge exam on exchange-traded notes and certificates). On costs, the bank writes that they are ‘hetzelfde als de kosten voor ETF's buiten het basisassortiment van Zelf Beleggen Plus’ (the same as the costs for ETFs outside the Zelf Beleggen Plus core range); the amount is in the Zelf Beleggen Plus rate card. Exactly which crypto ETPs are available is not stated on the public product page.

ASN Bank and Knab: no crypto found

We found no crypto and no crypto ETN in the investment offering of ASN Bank and Knab. Knab offers private customers managed investing in two of its own funds, where you do not pick any securities yourself.

Real bitcoin in a banking or broker app

If you want bitcoin that is really yours, you end up with a provider holding a MiCA licence or notification. Three you can use in the Netherlands from a banking or broker app:

  • bunq. ‘Kraken zorgt voor handel en bewaring; bunq geeft je veilige toegang via de app’ (Kraken handles trading and custody; bunq gives you secure access through the app). You can start from €1, with fees from 0.25% per transaction; the exact fee depends on your subscription. Crypto trading runs through Payward Europe Solutions Limited (Kraken), which has held a MiCA licence from the Central Bank of Ireland since 25 June 2025, also covering the Netherlands. On staking, Kraken keeps 30% of the rewards as commission. What Kraken itself costs and what its drawbacks are is covered in our Kraken review.
  • Trade Republic. Trade Republic launched its Crypto Wallet in the Netherlands on 14 November 2025. According to the press release, all crypto is ‘veilig bewaard in cold wallets door BitGo Europe GmbH’ (stored securely in cold wallets by BitGo Europe GmbH). Trade Republic Bank has been listed in the register with a notification from BaFin since 28 April 2025, for custody and order execution, also covering the Netherlands.
  • Revolut. Revolut Digital Assets (Europe) Ltd has held a MiCA licence from the Cypriot regulator CySEC since 20 October 2025, also covering the Netherlands.

You can look up any provider yourself in our register of MiCA licences: it shows the regulator, the services and the countries.

With iDEAL at a crypto exchange

The quickest route from your bank account to bitcoin is still an iDEAL deposit at a crypto exchange. At Bitvavo, which has held a MiCA licence from the AFM since 26 June 2025, a deposit with iDEAL | Wero is free up to €50,000. How such a purchase works step by step is explained in our guide how to buy bitcoin in 5 steps.

Do the banks block payments to crypto exchanges? We found no public block or limit for private customers at ING, Rabobank, ABN AMRO or Knab. Rabobank only states, for business accounts, that the bank pays ‘extra’ attention to fraud and money laundering in payments to crypto service providers, and Knab does not accept crypto trading as a business activity.

ETN at the bank or real bitcoin: which suits you?

ETN/ETP at ING, Rabobank, ABN AMROBitcoin at bunq, Trade Republic, Revolut or a crypto exchange
What you owna security that tracks the pricethe bitcoin itself (held by the provider)
Tradingonly during exchange hoursaround the clock
Knowledge testyesno
To your own walletnodepends on the provider
Supervisionsecurities rules through your bankMiCA licence or notification

An ETN suits anyone who wants to keep everything in one place and does not want to manage a wallet. If you want to send bitcoin, hold it yourself or trade outside exchange hours, you need real bitcoin. Either way, the price can fall sharply and you can lose your money. How crypto is taxed in the Netherlands and the rest of Europe is set out in our overview of crypto tax in Europe.

What is not certain yet

  • DEGIRO. flatexDEGIRO Bank has been listed in the register with a notification from BaFin since 4 April 2025, for executing crypto orders, also covering the Netherlands. We could not check which coins and costs DEGIRO offers on 12 and 13 November 2026: the DEGIRO website was unavailable.
  • Costs at Revolut and Trade Republic. We could not check their crypto fees ourselves on an official page. Before you buy, check in the app what you pay in total, including any spread.
  • ABN AMRO. The exact list of crypto ETPs and the amount per transaction are only in the rate card and the investment environment.
  • Rabobank is raising its product costs on 1 January 2027 from 0.15% to 0.25% a year.

This article is not investment advice. Crypto can fall sharply in value and you can lose everything you put in.

Frequently asked questions

Can I buy bitcoin at ING?

Not the bitcoin itself. Through Zelf op de Beurs, ING offers two bitcoin products (WisdomTree Physical Bitcoin ETN and iShares Bitcoin ETP), plus ETNs on XRP, Ethereum and Solana. You pay €1.00 + 0.10% per transaction.

Can I buy bitcoin at Rabobank?

Rabobank only sells the iShares Bitcoin ETP, through Rabo Zelf Beleggen. It does not make you the owner of any bitcoin. Transaction costs are €5 + 0.05%, maximum €150.

Can I buy bitcoin at ABN AMRO?

ABN AMRO sells crypto ETPs through Zelf Beleggen Plus, after a knowledge exam. You do not own the cryptocurrency yourself.

Which bank sells real bitcoin in the Netherlands?

Among the Dutch banks, only bunq; trading and custody are handled by Kraken (Payward Europe Solutions Limited, with a MiCA licence from the Central Bank of Ireland). Trade Republic, a German bank, and Revolut also sell real bitcoin in the Netherlands.

Is a bitcoin ETN safer than bitcoin?

You run the same price risk. The difference lies in who holds the coins and what you own: with an ETN, the issuer holds the bitcoin and you hold a security; at a crypto exchange, the exchange holds bitcoin in your name. ING rates the risk of its crypto ETNs at 6 or 7 on a scale of 7.

Sources

Read on 12 and 13 November 2026.

Prices of the coins in this article

Mid-market price from CoinGecko in euros, updated at 10:40 UTC.All 20 prices