Crypto at Sparkasse and Volksbank: the Costs

Anyone buying bitcoin through a Sparkasse or a Volksbank pays twice: a commission, and a spread on top of it. At Volksbank Raiffeisenbank Wuerzburg the commission stands at 1.5 percent per purchase and per sale, according to its schedule of prices and services for crypto asset trading, with the gap between the buying and the selling price coming on top. The Sparkassen start from mid-October with a flat order fee of 99 cents, likewise plus a spread. On the banks’ own product pages, that figure is as a rule nowhere to be found.

This is not a supposition. On September 6, 2026, cryptoticker.io retrieved and evaluated the crypto product pages of 41 cooperative banks. Seven of those pages were reachable and advertised the offering. Not one of them carried a percentage or a euro amount. Exactly one linked directly to the price schedule.

Commission and spread: what your bank charges for a crypto purchase

Two kinds of cost meet in a crypto purchase made through your own bank, and they work differently.

The commission is the fee the bank charges for executing your order. It appears in the schedule of prices and services, it is quantified, and it shows up on your statement as a separate item. At the Wuerzburg cooperative bank it amounts to 1.5 percent of the order volume.