What is the Bitcoin Bonus?
With BTC bonus, you can put your EUR balance to work for you in the 21bitcoin app and, if you wish, automatically convert the interest into Bitcoin.
💡 Here’s how it works: Interest is credited to your EUR balance in EUR by our partner bank. Optionally, you can have each interest payment automatically converted to BTC. Your Bitcoin balance itself does not earn interest.
BTC interest is optional and free: You decide for yourself whether to participate, and you can disable the feature at any time.
How Interest Works
Your EUR balance earns interest. Your EUR balance is held in trust at our partner bank. The bank pays interest on this balance at a variable interest rate.
Interest accrues daily, based on your average EUR balance for the month.
Monthly payment. At the beginning of the following month, the interest is credited to your EUR balance in EUR.
Optional: Conversion to BTC. If you have enabled automatic conversion, each interest payment is converted to Bitcoin immediately afterward.
How to enable Interest
Open the 21bitcoin app and tap the “Activate Interest” card on the home screen
Review the terms and conditions: current interest rate, payout frequency, tax information, and source of the interest
Confirm the terms and conditions.
Optional: Toggle the “Automatically convert to BTC” switch.
ℹ️ Participation is voluntary (opt-in)
Your EUR balance will start earning interest as soon as you activate the feature (by 8:00 p.m. CET on the same day, or the following day if activated later).
Payout in EUR
By default, you receive your interest in EUR:
Payments are made monthly to your EUR balance in the app.
You’ll see each payment listed as a separate entry titled “EUR Interest Received” in your activity history.
The paid-out balance is available to you immediately: to spend, save, or withdraw.
Automatic Conversion to BTC
When the “Automatically Convert to BTC” toggle is enabled, each interest payment is automatically converted to Bitcoin immediately after it is credited in EUR:
The conversion takes place as an automatic buy order at the current market price.
The purchased Bitcoin will then be deposited into your 21bitcoin wallet—just like any other purchase.
You can enable or disable the toggle at any time in the settings. The change will take effect starting with your next payout.
Interest Rate & Calculation
The interest rate is a variable annual interest rate (p.a.) set by our partner bank and is subject to change. You can view the current interest rate in the app at any time.
Interest is calculated on your average monthly EUR balance using the German 30/360 interest calculation method.
You can find all the details about the calculation in the article “Average EUR Balance & Interest Calculation (30/360).”
Interest in your Activities
Depending on your settings, you'll see one or two entries per month in your activity overview:
Position | When? | Content |
EUR Interest Received | Always | Interest Amount in EUR, Payment Date |
Automatically Converted to BTC | Only if conversion is enabled | EUR Amount Invested, BTC Received, Exchange Rate |
In the overview, you can also see how much you've earned in total so far and when your next payment is expected.
Taxes
21bitcoin does not provide tax advice. Interest on your EUR balance is considered investment income and may be subject to tax. The interest is subject to German capital gains tax withheld by the financial institution (capital gains tax plus the solidarity surcharge, currently totaling 26.375%). Church tax is not withheld. The amount credited to the customer is the amount remaining after the withheld taxes have been deducted.
The customer is solely responsible for the tax treatment of the forwarded interest, including any credit or refund of withholding tax.
The optional conversion to BTC is a standard Bitcoin purchase—the usual tax rules of your tax jurisdiction apply to the purchased Bitcoin.
Disable Interest
You can turn off interest at any time:
Open the Interest Overview in the app
Tap “Deactivate”
Confirm the deactivation
Any interest that has already accrued and been received will, of course, remain in your account. No further interest will accrue after deactivation.
FAQ
Do my Bitcoins earn interest? No. Interest is earned exclusively on your EUR balance at our partner bank. Your Bitcoins are not lent out and remain safely stored. Optionally, you can have the EUR interest automatically converted to BTC—hence the name “BTC interest.”
How much does it cost to participate? Participation is free. There are also no purchase fees for the optional conversion to BTC.
Can the interest rate change? Yes. The interest rate is variable and depends on our partner bank and market conditions. You can view any changes in the app at any time.
What happens with very small amounts? If the calculated interest amount is less than €0.01, no payment will be made that month.
Disclaimer
Interest is earned on your EUR balance at our partner bank and passed on to you in full; 21bitcoin does not pay interest on your balance itself and does not retain any portion of the interest. The interest rate is variable and subject to change; there is no guarantee of future interest income.
The optional automatic conversion to BTC is a buy order at the prevailing market price and does not constitute a price guarantee. Investing in Bitcoin involves risks. The value of your Bitcoin may rise or fall.
Please familiarize yourself with how this feature works and the associated risks before activating it.