EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is ClearBank Europe B.V. licensed under MiCA in the European Union?
ClearBank Europe B.V.'s European entity (ClearBank Europe N.V.) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Netherlands on 3 April 2026.
Verdict: ClearBank Europe B.V. appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | ClearBank Europe N.V. |
|---|---|
| Home Member State | Netherlands |
| National Competent Authority | Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 724500EAW1MTCM9M1X68 |
| Authorised services | Order execution, Order R&T, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About ClearBank Europe B.V.
ClearBank Europe B.V. (contracting legal entity ClearBank Europe N.V.) is a business-to-business clearing bank headquartered in Amsterdam, Netherlands, not a consumer crypto exchange, custodian, broker or asset manager. It is operated by ClearBank, which provides regulated banking infrastructure and real-time payments access to fintechs, banks and digital-asset platforms through an API. ClearBank states on its site that leading brands across fintech, banking, digital assets and large corporates use this infrastructure. Source: ClearBank
According to ClearBank's own announcement and contemporaneous reporting, ClearBank Europe was established in the Netherlands in September 2024 and authorised as a bank in April 2026, and it describes itself as the first Dutch credit institution to complete MiCA notification for crypto-asset services. Rather than offering retail spot trading, custody, savings, staking or card products for general crypto-assets, the reporting indicates its crypto-asset offering is limited to regulated minting and redemption of the EURC and USDC stablecoins via Circle's platform, settled over EUR/SEPA rails. Sources: ClearBank Europe announcement, FStech
On the legal point: the entity is established in the Netherlands and its competent authority for the MiCA crypto-asset regime is the Netherlands Authority for the Financial Markets (AFM). Under MiCA, its authorisation covers a defined set of crypto-asset services - reception and transmission of orders, execution of orders, and transfer services for crypto-assets. That MiCA scope does not extend to custody and administration, operating a trading platform, exchange against funds or other crypto-assets, placement, portfolio management or advice. Anyone relying on this should confirm the current scope directly with the AFM and ESMA registers, as authorisation status can change. Source: ClearBank Europe announcement
Which crypto services is ClearBank Europe B.V. authorised to offer in the EU?
Under its MiCA authorisation issued by Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB), ClearBank Europe B.V. (ClearBank Europe N.V.) 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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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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Reception and transmission of orders for crypto-assets on behalf of clients
The exchange can receive your order and pass it to another venue for execution. Brokerage-pattern service, often paired with order execution.
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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 ClearBank Europe B.V. not authorised to offer?
ClearBank Europe B.V.'s MiCA licence does not cover: Custody, Trading platform, Exchange for funds, Exchange for crypto, Placing, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by ClearBank Europe B.V. 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 ClearBank Europe B.V. licensed in Netherlands?
The Netherlands historically had one of the strictest pre-MiCA crypto frameworks, with DNB running a stand-alone Wwft register. AFM is the MiCA-designated competent authority. Bitvavo is the dominant Dutch-licensed CASP; many global exchanges previously withdrew from the Dutch market under pre-MiCA pressure. Source: Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB).
| National Competent Authority | Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB) |
|---|---|
| Investor compensation | DSI (Dutch investor compensation scheme) cover is limited. |
| Regulatory context | Marketing rules around crypto are particularly strict; AFM has fined non-compliant promotional activity. |
What does this mean for users of ClearBank Europe B.V. in the EU?
If you transact through ClearBank Europe B.V.'s EEA-authorised entity (ClearBank Europe N.V.), 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 ClearBank Europe B.V.'s terms of service that your contracting entity is ClearBank Europe N.V., not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to ClearBank Europe B.V.?
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 | |
| OKX | Malta | 9 services | |
| Kraken | Ireland | 8 services |
Related reading
Understand the regulatory context behind ClearBank Europe B.V.'s entry on the register:
Frequently asked questions about ClearBank Europe B.V. and MiCA
Is ClearBank Europe B.V. licensed under MiCA?
Yes. ClearBank Europe B.V. appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Netherlands.
Which EU countries can ClearBank Europe B.V. 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 ClearBank Europe B.V. 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 ClearBank Europe B.V.'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 ClearBank Europe B.V.'s entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB)
- ESMA MiCA Register - ClearBank Europe B.V. (ClearBank Europe N.V.)
- ClearBank Europe B.V. official website
- ClearBank Europe becomes the first Dutch credit institution to complete MiCAR notification
- ClearBank Europe to offer digital asset services (FStech)
This page is updated weekly. Last verified . If you believe any information on this page is inaccurate, write to our contact page.