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Swissquote Bank Europe

Swissquote Bank Europe SA · Luxembourg
Key points
Official sourceUnclaimedMiCA-licensed · LuxembourgCFD
🌐 Website
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
🇱🇺 Luxembourg
Founding date
1999
Team size
250-4999
Number of customers
≈ 1 200 000
Trustpilot
3,5/5 →

Regulation

Regulatory licences
MiCA licence, notified on 24/04/2026
Licensing authority
Commission de Surveillance du Secteur Financier (CSSF)
Registered services
  • Custody
  • Order execution
  • Transfer of crypto-assets
Register consulted
Consult the register → · verified on 03/07/2026

Swissquote Bank Europe is the European arm of the Swiss banking group Swissquote, specialising in online investment. From a single platform, clients can access shares, ETFs, bonds and crypto-assets, with a crypto offer based on real holding. The bank also offers staking, transfers to an external wallet, a card linked to crypto-assets and services for professional and institutional clients.

02Services & Accessibility

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

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 40

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a CFD broker (no real holding), Swissquote Bank Europe suits some use cases more than others.

Minimum deposit: €1 000Mobile appWithdrawal to personal wallet possibleAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €1 000. Withdrawal to a personal wallet possible.

Available across the whole European Union.

03How much it costs

Deposit
SEPA transfer0 %
Card0,5 %

+ 0,95 % currency conversion

Trading
1 %
order book
Holding
Commission withheld on staking:20 %
Exit
EUR withdrawal0 €

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

Swissquote Bank Europe: crypto commission by order amount: 1 % up to 9 999 €, 0,75 % from 10 000 to 49 999 €, 0,50 % from 50 000 €. No minimum commission published. Trading account custody: 0 €. Staking: Swissquote takes 20 % of rewards. Incoming transfer: free; SEPA withdrawal: free; other outgoing transfers: 10 €. Deposit by personal card issued in the SEPA area: 0,5 %; non-SEPA or corporate card: 2,9 %. Crypto withdrawals: schedule by asset, for example BTC 10 USD.

Fee source: https://www.swissquote.com/en-lu/private/trade/pricing/cryptocurrencies · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

In-house custody: full-service bank, offering crypto trading since 2021 and custodian services for digital-asset investment funds since 2023.

05What to know before you start

European multi-asset bank + real spot crypto + staking + Mastercard allowing payments in BTC/ETH/XRP + professional/institutional accounts. The crypto infrastructure is developed by Swissquote (SQX) and not outsourced to Bitpanda. The offer combines retail, wealth management and institutional services.

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

06Frequently asked questions

Is Swissquote Bank Europe licensed under MiCA?

Yes. Swissquote Bank Europe SA is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Commission de Surveillance du Secteur Financier (CSSF), Luxembourg. Notification to the ESMA register: 24/04/2026. 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 Swissquote Bank Europe?

For €100 of bitcoin bought by SEPA transfer, the total cost is 1 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on Swissquote Bank Europe?

40 crypto-assets are available on Swissquote Bank Europe.

What is the minimum deposit on Swissquote Bank Europe?

The minimum deposit is 1 000 €.

Can you withdraw your crypto from Swissquote Bank Europe to your own wallet?

Yes, Swissquote Bank Europe lets you withdraw your crypto-assets to a personal wallet.

Can you stake crypto on Swissquote Bank Europe?

Yes, Swissquote Bank Europe offers staking. The platform keeps a 20 % commission on rewards.

Can you schedule recurring purchases (DCA) on Swissquote Bank Europe?

No, Swissquote Bank Europe does not offer scheduled recurring purchases (DCA).