EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is RENTA 4 licensed under MiCA in the European Union?
RENTA 4's European entity (RENTA 4 BANCO 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 21 November 2025.
Verdict: RENTA 4 appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | RENTA 4 BANCO S.A. |
|---|---|
| Home Member State | Spain |
| National Competent Authority | |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 213800IMKAUV5KW28586 |
| Authorised services | Custody, Order R&T, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About RENTA 4
Renta 4 is the consumer brand of Renta 4 Banco S.A., a Spanish bank and investment firm, not a standalone crypto exchange. According to its own website, the firm has roughly 40 years of history as 'a different kind of bank' built around investment, offering investment funds, private-equity products and AI-managed portfolios alongside its newer crypto offering. Independent research describes it as a Madrid-headquartered bank and asset manager founded in 1986, operating wealth management, brokerage and corporate advisory services. Sources: r4.com, TheBanks.eu
On the crypto side, Renta 4 states on its site that clients can diversify their portfolio by 'investing in Bitcoin, Ethereum and Solana with a Spanish bank specialised in investment', bringing crypto into the same account as its other products. Reporting on the launch describes a unit branded Renta 4 Digital Assets that offers spot purchase, sale and custody of crypto-assets in EUR; the same coverage cites a 0.65% trading fee and a 0.25% annual custody fee, with no savings, staking or card product mentioned. Sources: Renta 4 crypto page, Democrata
On the regulatory question, the contracting legal entity is Renta 4 Banco S.A., supervised in Spain by the Comisión Nacional del Mercado de Valores (CNMV). Under MiCA, the ESMA register records authorisation for the custody and administration of crypto-assets on behalf of clients, the reception and transmission of orders for crypto-assets, and the provision of transfer services for crypto-assets. That licence covers those three services; it does not, on this record, extend to other MiCA services such as operating a trading platform, exchanging crypto-assets for funds or other crypto-assets as a principal, or placement and advice. Sources: CNMV entity record, TheBanks.eu
Which crypto services is RENTA 4 authorised to offer in the EU?
Under its MiCA authorisation issued by Spain, RENTA 4 (RENTA 4 BANCO 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 RENTA 4 not authorised to offer?
RENTA 4'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 RENTA 4 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 RENTA 4 in the EU?
If you transact through RENTA 4's EEA-authorised entity (RENTA 4 BANCO 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 RENTA 4's terms of service that your contracting entity is RENTA 4 BANCO S.A., not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to RENTA 4?
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 RENTA 4's entry on the register:
Frequently asked questions about RENTA 4 and MiCA
Is RENTA 4 licensed under MiCA?
Yes. RENTA 4 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 RENTA 4 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 RENTA 4 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 RENTA 4'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 RENTA 4'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.