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bunq Crypto

bunq B.V. (distributeur) ; services crypto fournis par Kraken (Payward Europe Solutions Limited, via Kraken Embed) · Ireland
Key points
Official sourceUnclaimedMiCA-licensed · Ireland

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Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇮🇪 Ireland
Founding date
2012
Team size
250-4999
Number of customers
≈ 20 000 000
Trustpilot
3,5/5 (18937 reviews) →

Regulation

Regulatory licences
MiCA licence
Licensing authority
Central Bank of Ireland, agrément MiCA de Kraken (Payward Europe Solutions)
Registered services
  • Custody
  • Order execution
  • Portfolio management
  • Placement
  • Reception and transmission of orders
  • Transfer of crypto-assets
  • Crypto/crypto exchange
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 07/11/2026

bunq Crypto is the crypto offering built into the app of the Dutch neobank bunq. Customers can buy, sell and swap more than 350 cryptocurrencies from €1 from their euro account, with a commission that depends on their bunq plan (from 1,99 % on Free to 0,25 % on Elite). Execution and custody are provided by Kraken, through its Kraken Embed solution and its Irish MiCA authorisation.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingInstant verification (KYC) : not disclosed

Available cryptos: 350

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, bunq Crypto suits some use cases more than others.

Minimum deposit: €1Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €1. Mandatory custody: no withdrawal to a personal wallet.

Available across the whole European Economic Area.

03How much it costs

Deposit
SEPA transfer0 %
Trading
1,99 %
spread not quantifiable
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Service commission on every purchase, sale or swap, depending on the bunq plan (Free 1,99 %, Core 0,99 %, Pro 0,49 %, Elite 0,25 %). The displayed price includes this commission and a spread (buy/sell gap) that bunq does not quantify. The rate depends on the subscription, not on volume. Simple-buy fee entered at the rate of the free plan (1,99 %).

Fee source: https://help.bunq.com/articles/crypto-faq · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Crypto-assets held by Kraken (MiCA-authorised partner). bunq provides the interface, onboarding and customer relationship, and Kraken carries out its own identity check when the wallet is opened.

05What to know before you start

Commission depends on the bunq subscription, namely 1,99 % on Free, 0,99 % on Core, 0,49 % on Pro and 0,25 % on Elite, plus a spread included in the price.
Purchases only from a euro account.
The "Safety Shield" feature, enabled by default, holds the proceeds of a sale for 24 hours before they reach the account.
No transfer of crypto to an external wallet.
Staking is provided by another company of the Kraken group and is not regulated (according to bunq).
No incident linked to bunq Crypto identified as at 07/11/2026. Recurring Trustpilot reviews mention account blocks ("Safety Mode") and heavily automated support.

Compensation transparency: affiliate partnership with bunq Crypto: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is bunq Crypto licensed under MiCA?

Yes. bunq B.V. (distributeur) ; services crypto fournis par Kraken (Payward Europe Solutions Limited, via Kraken Embed) is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Central Bank of Ireland, agrément MiCA de Kraken (Payward Europe Solutions), Ireland. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on bunq Crypto?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1,99 €, spread included and network fees excluded (Uncrypt €100 index). The platform states that a variable spread is added to this cost, without publishing its amount. Fees checked on 07/11/2026 against the official fee schedule.

How many cryptos can you buy on bunq Crypto?

350 crypto-assets are available on bunq Crypto.

What is the minimum deposit on bunq Crypto?

The minimum deposit is 1 €.

Can you withdraw your crypto from bunq Crypto to your own wallet?

No, bunq Crypto does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on bunq Crypto?

Yes, bunq Crypto offers staking.

Can you schedule recurring purchases (DCA) on bunq Crypto?

No, bunq Crypto does not offer scheduled recurring purchases (DCA).