What to know : ING Deutschland, Germany's largest retail bank, now lets customers buy crypto exchange-traded products tracking bitcoin, ether and solana directly through its ING-DiBa Direct Depot securities accounts. The crypto-backed products, issued by firms such as 21Shares, Bitwise and VanEck, are pitched as an easy way to gain digital-asset exposure without managing wallets or private keys. These crypto products receive the same German tax treatment as directly held bitcoin.
ING Deutschland, Germany's largest retail bank, now lets customers buy crypto products tracking bitcoin , ether , and solana right from their bank-linked securities accounts.
These products are real crypto-backed exchange-traded products issued by heavyweights like 21Shares, Bitwise and VanEck, the bank's website says, adding that these alternative investment vehicles mirror coin moves and trade on legit exchnages via the bank's Direct Depot setup. The Depot is a securities account offered by ING-DiBa, allowing users to trade stocks, ETFs, and funds and designed for online, self-directed investors.
The website describes these crypto ETFs as easy on-ramp that plug right into your everyday banking while bypassing hassles of using wallets or keys.
The new offering underscores the growing demand for digital assets, with everyday investors shrugging off bitcoin's wild price swings for long-term bets. Deutsche Bank's research shows Germany's retail crypto adoption hit 9% in 2025—trailing the U.S.'s 12%
Martijn Rozemuller, CEO of VanEck Europe, said the cooperation with ING Deutschland offers a low-threshold access access to crypto investments.
"Many investors want a solution that fits into existing depot structures and at the same time convinces with transparent costs. That's exactly what this partnership stands for—it brings crypto exposure to where investors already invest: in their securities account," he said, according to the translated version of the press release.
Note that these crypto products get the same tax breaks in Germany as owning bitcoin outright: hold over a year and gains doge capital gains tax.
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