EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is Raiffeisenbank Kreis Kelheim eG licensed under MiCA in the European Union?
Raiffeisenbank Kreis Kelheim eG's European entity (Raiffeisenbank Kreis Kelheim eG) 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 13 May 2026.
Verdict: Raiffeisenbank Kreis Kelheim eG appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | Raiffeisenbank Kreis Kelheim eG |
|---|---|
| Home Member State | Germany |
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 529900UYTAE51VW2TG15 |
| Authorised services | Order execution |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About Raiffeisenbank Kreis Kelheim eG
Raiffeisenbank Kreis Kelheim eG is a German cooperative retail bank (Genossenschaftsbank), not a consumer crypto exchange. It is owned by its member-shareholders and operates as part of the German cooperative banking network associated with the DZ Bank group, with its headquarters in Kelheim, Germany. Its public business is traditional retail banking - current and savings accounts, loans, payment cards and home-finance products - rather than crypto-asset trading or custody. Sources: rbkk.de, Wikipedia: Raiffeisenbank Kreis Kelheim
On the licensing question, the contracting legal entity is Raiffeisenbank Kreis Kelheim eG, supervised in Germany by the Federal Financial Supervisory Authority (BaFin). Under the EU Markets in Crypto-Assets Regulation (MiCA), the ESMA register lists the entity as authorised for a single crypto-asset service: order execution (execution of orders for crypto-assets on behalf of clients). It is not listed for other MiCA services such as crypto custody, operating a trading platform, exchange of crypto-assets for funds, portfolio management, or providing transfer or advice services. Source: rbkk.de legal notices
Available research does not show any retail crypto product - no spot trading, custody wallet, savings or staking, and no crypto card offering - marketed on the bank's website, which presents banking and financing themes only. So while the MiCA authorisation for order execution is a regulated permission held by the legal entity, it should not be read as a consumer-facing crypto exchange or custody service. The narrow ESMA listing is what the licence covers; everything beyond order execution it does not. Sources: rbkk.de, thebanks.eu bank profile
Which crypto services is Raiffeisenbank Kreis Kelheim eG authorised to offer in the EU?
Under its MiCA authorisation issued by Federal Financial Supervisory Authority (BaFin), Raiffeisenbank Kreis Kelheim eG (Raiffeisenbank Kreis Kelheim eG) 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.
Which services is Raiffeisenbank Kreis Kelheim eG not authorised to offer?
Raiffeisenbank Kreis Kelheim eG's MiCA licence does not cover: Custody, Trading platform, Exchange for funds, Exchange for crypto, Placing, Order R&T, Advice, Portfolio mgmt, Transfer services. These services may still be offered by other authorised providers, or by Raiffeisenbank Kreis Kelheim eG 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 Raiffeisenbank Kreis Kelheim eG 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 Raiffeisenbank Kreis Kelheim eG in the EU?
If you transact through Raiffeisenbank Kreis Kelheim eG's EEA-authorised entity (Raiffeisenbank Kreis Kelheim eG), 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 Raiffeisenbank Kreis Kelheim eG's terms of service that your contracting entity is Raiffeisenbank Kreis Kelheim eG, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to Raiffeisenbank Kreis Kelheim eG?
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 Raiffeisenbank Kreis Kelheim eG's entry on the register:
Frequently asked questions about Raiffeisenbank Kreis Kelheim eG and MiCA
Is Raiffeisenbank Kreis Kelheim eG licensed under MiCA?
Yes. Raiffeisenbank Kreis Kelheim eG 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 Raiffeisenbank Kreis Kelheim eG 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 Raiffeisenbank Kreis Kelheim eG 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 Raiffeisenbank Kreis Kelheim eG'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 Raiffeisenbank Kreis Kelheim eG's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Federal Financial Supervisory Authority (BaFin)
- ESMA MiCA Register - Raiffeisenbank Kreis Kelheim eG (Raiffeisenbank Kreis Kelheim eG)
- Raiffeisenbank Kreis Kelheim eG official website
- Raiffeisenbank Kreis Kelheim eG - official website
- Raiffeisenbank Kreis Kelheim eG - legal notices
- Raiffeisenbank Kreis Kelheim - bank profile (thebanks.eu)
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