EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is DZ BANK AG Deutsche Zentral-Genossenschaftsbank licensed under MiCA in the European Union?
DZ BANK AG Deutsche Zentral-Genossenschaftsbank's European entity (DZ BANK AG Deutsche Zentral-Genossenschaftsbank) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Germany on 23 December 2025.
Verdict: DZ BANK AG Deutsche Zentral-Genossenschaftsbank appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | DZ BANK AG Deutsche Zentral-Genossenschaftsbank |
|---|---|
| Home Member State | Germany |
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 529900HNOAA1KXQJUQ27 |
| Authorised services | Custody, Order execution, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About DZ BANK AG Deutsche Zentral-Genossenschaftsbank
DZ BANK AG Deutsche Zentral-Genossenschaftsbank is a bank, not a consumer crypto exchange. It describes itself as the central institution (Spitzeninstitut) of Germany's cooperative banking network, the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, and as the central bank for around 700 cooperative banks in Germany that mostly own it. The research also describes it as one of Germany's leading banks and its second-largest lender, headquartered in Frankfurt am Main and tracing its founding to 1872. Sources: dzbank.de, meinKrypto / MiCA report
According to the research, DZ BANK offers crypto services through a regulated digital-asset platform called meinKrypto, made available to customers of the cooperative banks rather than as a standalone retail exchange. The platform is reported to be multi-asset, supporting Bitcoin, Ether, Litecoin and Cardano at launch, and to provide custody and spot trading (buy, sell and hold) with EUR/SEPA integration through the cooperative banking app ecosystem. The same research states it does not offer savings, recurring-buy (DCA), staking or card products. It reports that DZ BANK acts as central operator, with technical custody by Stuttgart Stock Exchange Digital and trade execution by EUWAX AG, and the interface developed by Atruvia. Source: meinKrypto rollout report
On the legal point: the contracting entity is DZ BANK AG Deutsche Zentral-Genossenschaftsbank, established in Germany and supervised by the Federal Financial Supervisory Authority (BaFin). The research reports that DZ BANK received its MiCA crypto-asset service provider (CASP) authorisation from BaFin in December 2025, bringing it within the EU MiCA framework. Under that authorisation it is registered for the services of custody, order execution and transfer services. The MiCA licence covers those activities and does not, on this record, extend to other crypto-asset services such as advice, portfolio management or operating a trading platform. Sources: Bitcoin Magazine, BaFin MiCA report
Which crypto services is DZ BANK AG Deutsche Zentral-Genossenschaftsbank authorised to offer in the EU?
Under its MiCA authorisation issued by Federal Financial Supervisory Authority (BaFin), DZ BANK AG Deutsche Zentral-Genossenschaftsbank (DZ BANK AG Deutsche Zentral-Genossenschaftsbank) 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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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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank not authorised to offer?
DZ BANK AG Deutsche Zentral-Genossenschaftsbank's MiCA licence does not cover: Trading platform, Exchange for funds, Exchange for crypto, Placing, Order R&T, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by DZ BANK AG Deutsche Zentral-Genossenschaftsbank 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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank licensed in Germany?
Germany's BaFin runs a strict, banking-style authorisation model. Trade Republic, which already held a German banking licence, was authorised in April 2025. BaFin previously refused Binance's German licence application in 2023, leading Binance to withdraw from the German market. Source: Federal Financial Supervisory Authority (BaFin).
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
|---|---|
| Investor compensation | EdW (compensation scheme for securities firms) plus bank-deposit cover where applicable. |
| Regulatory context | BaFin's banking-style scrutiny is the highest barrier among MiCA NCAs. |
What does this mean for users of DZ BANK AG Deutsche Zentral-Genossenschaftsbank in the EU?
If you transact through DZ BANK AG Deutsche Zentral-Genossenschaftsbank's EEA-authorised entity (DZ BANK AG Deutsche Zentral-Genossenschaftsbank), 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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank's terms of service that your contracting entity is DZ BANK AG Deutsche Zentral-Genossenschaftsbank, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to DZ BANK AG Deutsche Zentral-Genossenschaftsbank?
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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank's entry on the register:
Frequently asked questions about DZ BANK AG Deutsche Zentral-Genossenschaftsbank and MiCA
Is DZ BANK AG Deutsche Zentral-Genossenschaftsbank licensed under MiCA?
Yes. DZ BANK AG Deutsche Zentral-Genossenschaftsbank appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Germany.
Which EU countries can DZ BANK AG Deutsche Zentral-Genossenschaftsbank 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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank 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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank'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 DZ BANK AG Deutsche Zentral-Genossenschaftsbank's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Federal Financial Supervisory Authority (BaFin)
- ESMA MiCA Register - DZ BANK AG Deutsche Zentral-Genossenschaftsbank (DZ BANK AG Deutsche Zentral-Genossenschaftsbank)
- DZ BANK AG Deutsche Zentral-Genossenschaftsbank official website
- DZ BANK meinKrypto and BaFin MiCA approval report
- DZ BANK prepares crypto trading rollout (Bitcoin Magazine)
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