EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is Swissquote licensed under MiCA in the European Union?
Swissquote's European entity (Swissquote Bank Europe SA) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Luxembourg on 24 April 2026.
Verdict: Swissquote appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | Swissquote Bank Europe SA |
|---|---|
| Home Member State | Luxembourg |
| National Competent Authority | Commission de Surveillance du Secteur Financier (CSSF) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 549300M2IHOB9P5WE714 |
| Authorised services | Custody, Order execution, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About Swissquote
Swissquote is a regulated online banking and trading service, and its crypto-asset activity in the EU is operated through Swissquote Bank Europe SA, a bank headquartered in Luxembourg and supervised by the Commission de Surveillance du Secteur Financier (CSSF). It is part of Swissquote Group, a Swiss financial group that research describes as having been founded in 1996. This is a bank offering, not a standalone consumer crypto exchange. Sources: Swissquote Luxembourg, CSSF CASP register
On the crypto side, the research summary reports that Swissquote offers multi-asset crypto access (cited as around 41 cryptocurrencies, so not Bitcoin-only) with direct spot trading of actual crypto from a Swissquote wallet, rather than derivatives only. The research does not confirm staking, a savings or recurring-buy product, EUR/SEPA-specific details, or a dedicated crypto card, so those are not claimed here; the Swissquote Mastercard shown on the bank's site is a debit card and is not described in the data as a crypto card. Sources: Swissquote crypto products, Swissquote Luxembourg
On the legal question, the MiCA-relevant contracting entity is Swissquote Bank Europe SA, authorised in Luxembourg under CSSF supervision as a crypto-asset service provider. The registered service list it is recorded against covers custody and administration of crypto-assets, execution of orders for crypto-assets, and transfer services for crypto-assets on behalf of clients. That authorisation does not extend to MiCA services outside this list, such as operating a trading platform, placing crypto-assets, exchange against funds or other crypto-assets as a listed service, advice, or portfolio management, none of which appear in the recorded scope. Sources: CSSF CASP register, AMF white list
Which crypto services is Swissquote authorised to offer in the EU?
Under its MiCA authorisation issued by Commission de Surveillance du Secteur Financier (CSSF), Swissquote (Swissquote Bank Europe SA) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
-
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.
-
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.
-
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 Swissquote not authorised to offer?
Swissquote'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 Swissquote 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 Swissquote licensed in Luxembourg?
Luxembourg's CSSF is known for institutional finance regulation and offers a credible base for exchanges aiming at the institutional segment. Coinbase and Bitstamp both selected Luxembourg for their MiCA hub. Source: Commission de Surveillance du Secteur Financier (CSSF).
| National Competent Authority | Commission de Surveillance du Secteur Financier (CSSF) |
|---|---|
| Investor compensation | AGDL covers eligible deposits up to €100,000. |
| Regulatory context | Reputation as a stable, institutional-grade EU venue. |
What does this mean for users of Swissquote in the EU?
If you transact through Swissquote's EEA-authorised entity (Swissquote Bank Europe SA), 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 Swissquote's terms of service that your contracting entity is Swissquote Bank Europe SA, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to Swissquote?
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 Swissquote's entry on the register:
Frequently asked questions about Swissquote and MiCA
Is Swissquote licensed under MiCA?
Yes. Swissquote appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Luxembourg.
Which EU countries can Swissquote 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 Swissquote 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 Swissquote'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 Swissquote's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Commission de Surveillance du Secteur Financier (CSSF)
- ESMA MiCA Register - Swissquote (Swissquote Bank Europe SA)
- Swissquote official website
- Swissquote crypto products (Luxembourg)
- CSSF crypto-asset service providers register
- AMF white list - Swissquote Bank Europe SA
This page is updated weekly. Last verified . If you believe any information on this page is inaccurate, write to our contact page.