The symbolic surpassing of $ 100,000 by Bitcoin pushed the total capitalization of cryptocurrency beyond 3,000 billion euros. Carried by this momentum, the neobank bunq deployed Bunq Cryptoa crypto tab that rubs shoulders with ordinary current accounts. The service has been available since April 29, 2025 in six European countries (France, Ireland, Netherlands, Spain, Italy and Belgium), Germany to follow later in the year.
In short
- Bunq launches the crypto in its banking app.
- Simplified purchase of 350+ cryptos via Kraken.
- EUROS DEPOSTS Upset up to € 100,000.
By placing the crypto in its general public banking interface, Bunq promises a single connection for euros, savings areas, Mastercard cards And digital assets. Liquidity and conservation are provided by Kraken, one of the oldest exchanges in the sector, while Bunq remains the establishment holder of the accounts. This structure means that the Dutch deposits for the protection of deposits – up to € 100,000 – apply to the Fiat component of each transaction.
How Bunq Crypto works
From the user's point of view, the process is deliberately refined. After the identity verification, which, according to Bunq, always lasts less than a minute, the investor selects a crypto, between the desired amount and slides a button to buy one of the more than 350 cryptocurrencies listed. The amount of a sale is temporarily locked by a SAFETY SHIELD For twenty-four hours, in order to thwart impulsive withdrawals and fraud.
The costs are proportional to the subscription: the free, free formula, takes 1.99 % per trade; The Elite plan at € 18.99 per month brings this rate to 0.25 %. Bunq also offers a bonus of € 10 in Bitcoin to the first 10,000 users who buy at least € 100 in crypto.
The request for an all-in-one dashboard
A survey commissioned by BUNQ early 2025 reveals that 65 % of European citizens would prefer to manage daily payments, savings and crypto investments in a single app. More than half of the respondents describe existing exchanges as too complex or insufficiently safe.
Beyond Crypto functionality
The release of the “crypto function” has been integrated into the vast Update 28 of the bank. In addition to the crypto exchange function, Bunq introduced:
- Bunq Dealswhich incorporates permanent discounts of partners such as LEGO and Expedia in the apps screen of the app;
- Pocket Moneyan automatic allocation tool for children's accounts;
- An option esim integrated for travelers needing data without a classic SIM card;
- A functionality cashback offering up to 1 % on purchases for professional accounts (this feature already offered up to 2 % of cashback for personal accounts).
Little practical guide
L'Opening of a BUNQ account Always start with a selfie and the scanning of the passport or the identity card. Once approved, the user supplies his account by separate transfer or debit card, navigate to the Crypto tab, chooses an asset – Bitcoin and Ethereum logically dominate volumes – then confirms. BUNQ announces an average first purchase period of around sixty seconds, including the financing stage. Real -time price alerts can be activated from the same screen, and specific expenditure ceilings can be defined in the menu Smart Shield.
The advantages – and the limits
For private investors wishing to practice DCA or quickly react to market movements, the crypto gateway integrated into the bank removes the friction of the transfer of money between establishments. Conservation, however, remains entrusted to a third party; Cryptos cannot (not yet) be removed to an external wallet.
“” “As a bank, we have great experience in detecting scams and we use advanced technologies such as AI to ensure the safety of our users. By integrating cryptocurrencies into our platform, we will be even more effective in identifying suspicious activities. Each portfolio will be fully protected, offering users a simple and sure way to start investing in cryptocurrencies.»
The bonus of € 10 in bitcoin (which we receive when we buy 100 euros in cryptocurrencies) adds an additional advantage, but it is capped at 10,000 activations and reserved for residents of the six launch markets.
Disclaimer: Cryptocurrency trading has a risk of capital loss. Bunq Crypto is “propelled by Kraken”. Offer limited to residents of France, Ireland, the Netherlands, Spain, Italy and Belgium. Bonus of € 10 in BTC reserved for the first 10,000 users who buy at least € 100 in crypto. Spreads and processing costs can be applied according to the plan. This is not an investment or crypto-active advice. The purchase, sale or exchange of cryptocurrencies includes risks of partial or total capital loss. Virtual currency, real risks. In crypto alone the risk is
guaranteed.
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