Swissquote Bank Europe

Swissquote Bank Europe SA · Luxembourg

Key points

Public sourceMiCA-licensed · Luxembourg

Source

Official registry listing →
verified on 03/07/2026

Licence / register

Registre ESMA · notification 24/04/2026

Authority · date

Commission de Surveillance du Secteur Financier (CSSF)
24/04/2026

Services covered

3 / 10

€100 index

≈ 2,00 €

Summary

01At a glanceRegulatory status: MiCA-licensed or not, since when→02Services & featuresWhat the app actually offers, as badges→03Who it's forLong-term holding, scheduled savings, active trading→04How much it costsTransfer, card, spread and withdrawal, in euros→05Security & custodyWhere your funds are, what recourse you have→06What to know before you startSpecifics, anomalies and affiliation→

01At a glance

Swissquote Bank Europe is MiCA-licensed by Commission de Surveillance du Secteur Financier (CSSF) (Luxembourg), notified on 24/04/2026, via Swissquote Bank Europe SA. This licence is valid across the whole European Union, including France.

Source: official registry listing · verified on 03/07/2026

Banque suisse fondée en 1996 à Gland par Marc Bürki et Paolo Buzzi, cotée en Bourse suisse depuis 2000. Propose actions, ETF, obligations et cryptomonnaies au sein d'une même plateforme, avec une entité luxembourgeoise pour l'Union européenne.

02Services & features

Concrete product features, distinct from the legal scope of the licence (block 01): generated from structured data, never hand-written.

Withdrawal to personal wallet possibleSimple purchase (Simple-Buy)Integrated walletAutomatic DCAStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC)

Available cryptos: 52

03Who it's for

As a bank or neobroker, Swissquote Bank Europe suits some use cases more than others. What the collected data shows, never a recommendation:

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.

04How much it costs

What the pricing page doesn't say: the spread is not published. Figures marked ≈ are our estimates, pending our own test-purchase measurements.

Entrée	Virement : ● 0 %🔗 Carte : ● 0 %🔗
Trading	Achat : ◐ 1 % (spread 1 % inclus)🔗
Tenue de compte	non chiffré
Sortie	non disponible

● published · ◐ estimated (spread not published, measured or estimated by Uncrypt) · ○ not available. 🔗 = link to the official pricing page and verification date for this cell.

Example: for €100 invested in BTC by bank transfer, you pay approximately €2,00 in fees (estimated spread included), or 2,00% of the amount. Simulate your case →

Fee source: https://www.swissquote.com/en-lu/private/trade/pricing/cryptocurrencies · verified on 02/08/2026

05Security & custody

Non communiqué à ce jour.

06What to know before you start

Banque suisse traditionnelle (FINMA, garantie 100 000 CHF) qui intègre la crypto comme classe d'actifs parmi d'autres (actions, ETF, fonds, options/futures) dans le même compte bancaire luxembourgeois — vraie approche multi-actifs patrimoniale. ⚠️ Dispose de SA PROPRE infrastructure crypto, NE délègue PAS à Bitpanda (contrairement à N26). Frais de garde crypto fondus dans le frais de garde standard depuis 2025. Staking avec 20 % de commission.

Preuve de réserves : non vérifiée. Grille exacte des paliers maker/taker par volume (seul le palier de base ~1 % sous 6000$/mois est confirmé, les paliers supérieurs non collectés dans le détail).

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).