BPCE Set to Launch In-app Crypto Trading for Retail Clients

BPCE, a leading French bank, is getting ready to offer crypto trading to its retail clients. With this one, BPCE is set to become one of the first major traditional banks in Europe to provide direct access to digital assets

This move marks a big step in bridging conventional banking and the growing world of cryptocurrencies.

BPCE Plans Gradual Rollout Across Regional Banks

As announced, the service will initially be available to customers of four regional banks. This includes Banque Populaire Île-de-France and Caisse d’Épargne Provence-Alpes-Côte d’Azur, reaching around two million people

BPCE plans to expand crypto trading gradually across its remaining 25 regional entities through 2026. Once fully rolled out, the service will be accessible to all 12 million retail customers of the group.

The bank will manage crypto transactions through a dedicated digital asset account inside its mobile apps. Customers will be able to buy and sell Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and USDC directly from the apps

BPCE pointed out that users will not need external exchanges or third-party wallets to carry out transactions. However, a monthly fee of €2.99 will apply, along with a 1.5% commission per trade, with a minimum charge of just over €1.

BPCE Offers Crypto Trading Amid New French Tax Plans

The move coincides with recent developments in French law. Lawmakers approved an amendment last month to extend the wealth tax to cover unproductive assets, including digital currencies

Under the amendment, individuals holding more than $2.3 million in these assets would face a new flat 1% tax. The proposal still requires Senate approval as part of the 2026 budget before it becomes law.

By introducing crypto trading within its existing banking apps, BPCE aims to make digital assets more accessible to its large retail base while monitoring the service carefully during its initial rollout

Global Banks Expand into Crypto Trading Services

BPCE’s decision comes amid rising competition between traditional banks and fintech platforms. Companies such as Revolut, Deblock, Bitstack, and Trade Republic, are already offering crypto services to retail clients

Several European banks have also begun integrating crypto offerings. Banking giant BBVA allows Spanish clients to trade and hold Bitcoin and Ethereum within its app

Similarly, Santander’s digital platform Openbank provides access to five cryptocurrencies. Also, Raiffeisen Bank’s Vienna unit recently partnered with Bitpanda to bring crypto services to its customers.

Meanwhile, this trend is not only limited to Europe. In the U.S., banks like Silvergate, Signature Bank, SoFi are offering crypto trading services to their clients. Similar moves are also happening in parts of Asia, Africa, and Latin America, as traditional banks worldwide gradually embrace digital assets.

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