EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is KUTXABANK licensed under MiCA in the European Union?
KUTXABANK's European entity (KUTXABANK S.A.) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Spain on 27 March 2026.
Verdict: KUTXABANK appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | KUTXABANK S.A. |
|---|---|
| Home Member State | Spain |
| National Competent Authority | |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 549300U4LIZV0REEQQ46 |
| Authorised services | Custody, Order R&T, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About KUTXABANK
KUTXABANK, S.A. is a Spanish regional bank, not a consumer crypto exchange, custodian-only firm or asset manager. Research describes it as a retail and business bank headquartered in Bilbao, in the Basque Country of Spain, established in 1990 (originally as Bilbao Bizkaia Kutxa) and operated by the Kutxabank Group's own management. Because it is a credit institution, its euro and SEPA payment capability comes from its existing banking licence rather than from a separate crypto authorisation. Sources: TheBanks.eu bank profile, Kutxabank
On the legal question: the contracting entity is KUTXABANK, S.A., and its competent authority for crypto-asset services is Spain's Comisión Nacional del Mercado de Valores (CNMV), with the bank also under the oversight of Banco de España. Research indicates the bank was authorised on 27 March 2026 under Article 60 of MiCA - the route that lets an existing credit institution notify and provide crypto-asset services under its banking licence, rather than being registered as a standalone crypto-asset service provider (CASP). KUTXABANK, S.A. appears in the CNMV register of crypto-asset service providers. Sources: CNMV CASP register, TheBanks.eu
The MiCA authorisation covers a defined set of services from the ESMA classification: custody and administration of crypto-assets on behalf of clients, reception and transmission of orders, and transfer services for crypto-assets. It does not, on the basis of this listing, extend to operating a trading platform, exchanging crypto for funds or for other crypto-assets, placing crypto-assets, or providing advice or portfolio management - those services are not part of the authorised set shown here. Reporting summarised in the research suggests Kutxabank intends to offer custody, purchase and sale of multiple crypto-assets, but spot trading, savings or DCA, staking and card products are not confirmed. Sources: CNMV CASP register, TradingView report
Which crypto services is KUTXABANK authorised to offer in the EU?
Under its MiCA authorisation issued by Spain, KUTXABANK (KUTXABANK S.A.) 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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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 KUTXABANK not authorised to offer?
KUTXABANK's MiCA licence does not cover: Trading platform, Exchange for funds, Exchange for crypto, Order execution, Placing, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by KUTXABANK 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:
What does this mean for users of KUTXABANK in the EU?
If you transact through KUTXABANK's EEA-authorised entity (KUTXABANK S.A.), 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 KUTXABANK's terms of service that your contracting entity is KUTXABANK S.A., not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to KUTXABANK?
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 KUTXABANK's entry on the register:
Frequently asked questions about KUTXABANK and MiCA
Is KUTXABANK licensed under MiCA?
Yes. KUTXABANK appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Spain.
Which EU countries can KUTXABANK 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 KUTXABANK 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 KUTXABANK'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 KUTXABANK's entry is on this page under 'Sources'.
Sources
This page is updated weekly. Last verified . If you believe any information on this page is inaccurate, write to our contact page.