EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is BANQUE DELUBAC licensed under MiCA in the European Union?
BANQUE DELUBAC's European entity (BANQUE DELUBAC ET CIE) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by France on 23 October 2025.
Verdict: BANQUE DELUBAC appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | BANQUE DELUBAC ET CIE |
|---|---|
| Home Member State | France |
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 969500A4IPKVUBH3CA90 |
| Authorised services | Custody, Exchange for funds, Exchange for crypto, Order execution, Portfolio management, Portfolio management on crypto-assets, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About BANQUE DELUBAC
Banque Delubac & Cie is a French bank rather than a consumer crypto exchange. It is an independent credit institution founded in 1924 by Maurice Delubac and headquartered in Le Cheylard, in the Ardèche region of France. Its crypto-asset activity is run through the bank itself and is aimed largely at institutional and private clients, with euro and SEPA settlement handled through its existing banking infrastructure. The bank describes itself as a pioneer crypto-friendly bank and states it was the first French bank to register as a digital-asset service provider (DASP) with the AMF, in 2022. Sources: Banque Delubac press release, Banque Delubac crypto page
On the central question, yes: the contracting legal entity is BANQUE DELUBAC ET CIE, and it is authorised as a crypto-asset service provider (CASP) under the EU's MiCA Regulation. The competent authority is the French Autorité des Marchés Financiers (AMF), and the entity appears on the AMF's CASP white list. The MiCA authorisation carries licence number N2025-004 with an authorisation date of 23 October 2025 and France as the home country. Sources: AMF CASP white list, AMF registration document
The MiCA licence covers a specific set of crypto-asset services under ESMA's classification: custody and administration of crypto-assets, exchange of crypto-assets for funds, exchange of crypto-assets for other crypto-assets, execution of orders, portfolio management, portfolio management on crypto-assets, and transfer services. Services that are not on this authorised list - for example any activity outside these defined categories - are not covered by the MiCA authorisation, even where the bank markets adjacent offerings such as staking or tokenisation on its own pages. Source: AMF CASP white list
Which crypto services is BANQUE DELUBAC authorised to offer in the EU?
Under its MiCA authorisation issued by Autorité des Marchés Financiers (AMF), BANQUE DELUBAC (BANQUE DELUBAC ET CIE) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
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Providing custody and administration of crypto-assets on behalf of clients
The exchange holds your crypto in its own wallets. Authorisation here means MiCA's segregation and insurance rules apply: client crypto-assets must be ring-fenced from the exchange's own funds.
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Exchange of crypto-assets for funds
The exchange offers crypto-to-fiat (e.g. BTC to EUR) and fiat-to-crypto conversion. Authorisation here implies MiCA's pricing transparency requirements.
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Exchange of crypto-assets for other crypto-assets
The exchange offers crypto-to-crypto trading (e.g. BTC to ETH). Required for most spot trading pairs not denominated in fiat.
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Execution of orders for crypto-assets on behalf of clients
The exchange can place orders for you on third-party venues (smart-routing). Less common in retail crypto; relevant for brokerage-style services.
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Providing transfer services for crypto-assets on behalf of clients
The exchange can move crypto between addresses on your behalf, including off-platform withdrawals. The Travel Rule applies to these transfers.
Which services is BANQUE DELUBAC not authorised to offer?
BANQUE DELUBAC's MiCA licence does not cover: Trading platform, Placing, Order R&T, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by BANQUE DELUBAC under a different regulatory framework (for example, derivatives may fall under MiFID II rather than MiCA). Source: ESMA Register, retrieved 30 June 2026.
See other MiCA-authorised exchanges by service:
Why is BANQUE DELUBAC licensed in France?
France ran one of the EU's earliest national crypto regimes, the PACTE Law DASP (Digital Asset Service Provider) registration, which gave the AMF years of pre-MiCA supervisory experience. The AMF began granting MiCA CASP authorisations in 2025-2026 and also maintains a public white list of CASPs passporting into France from other EEA states. BlockNodes SAS, the French entity behind the SwissBorg consumer brand, received its direct MiCA authorisation from the AMF in March 2026. Source: Autorité des Marchés Financiers (AMF).
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
|---|---|
| Investor compensation | Fonds de Garantie des Dépôts et de Résolution (FGDR); check directly with the AMF for crypto-asset-specific compensation scope. |
| Regulatory context | Early mover on national crypto licensing (PACTE Law) ahead of MiCA; the AMF also publishes a white list of EEA-passported CASPs. |
What does this mean for users of BANQUE DELUBAC in the EU?
If you transact through BANQUE DELUBAC's EEA-authorised entity (BANQUE DELUBAC ET CIE), the protections introduced by MiCA apply to your relationship from onwards. In practical terms this means: client crypto-assets are ring-fenced from the exchange's own funds (Article 70 MiCA), the authorised entity holds prudential capital, has formal complaint-handling procedures, and is subject to transparency obligations on fees and order execution. Source: Regulation (EU) 2023/1114.
One thing to verify yourself: the legal entity you contract with day-to-day must match the entity in the ESMA register. Some global exchanges operate multiple legal entities under one brand. Confirm in BANQUE DELUBAC's terms of service that your contracting entity is BANQUE DELUBAC ET CIE, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to BANQUE DELUBAC?
Three MiCA-authorised providers to consider. Drawn from the ESMA register, never paid placement.
| Provider | Home Member State | Authorised | Services |
|---|---|---|---|
| Alaric Securities | Bulgaria | 9 services | |
| COINHOUSE | France | 7 services | |
| GOIN | France | 7 services |
Related reading
Understand the regulatory context behind BANQUE DELUBAC's entry on the register:
Frequently asked questions about BANQUE DELUBAC and MiCA
Is BANQUE DELUBAC licensed under MiCA?
Yes. BANQUE DELUBAC appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of France.
Which EU countries can BANQUE DELUBAC serve under this licence?
A MiCA authorisation in one EEA member state permits passporting across all EEA member states, subject to a notification process to each host-state regulator.
Are my crypto-assets on BANQUE DELUBAC protected under MiCA?
MiCA introduces ring-fencing of client crypto-assets, prudential capital requirements for the authorised entity, complaint-handling obligations, and conduct rules. It does not provide a deposit-guarantee scheme equivalent to bank deposit insurance.
What's the difference between the authorised entity and the global brand?
Some global exchanges operate multiple legal entities. The MiCA authorisation applies only to the specific legal entity in the ESMA register, not to the global brand. Verify the contracting entity in BANQUE DELUBAC's terms of service.
Where can I check the official record?
The ESMA register publishes the authoritative list and updates it weekly. The direct link to BANQUE DELUBAC's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Autorité des Marchés Financiers (AMF)
- ESMA MiCA Register - BANQUE DELUBAC (BANQUE DELUBAC ET CIE)
- BANQUE DELUBAC official website
- Banque Delubac & Cie obtains MiCA approval (press release)
- AMF CASP white list - Banque Delubac et Cie
- AMF registration document - Banque Delubac et Cie
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