EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is Volksbank Mittlerer Schwarzwald eG licensed under MiCA in the European Union?
Volksbank Mittlerer Schwarzwald eG's European entity (Volksbank Mittlerer Schwarzwald 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 5 November 2025.
Verdict: Volksbank Mittlerer Schwarzwald eG appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | Volksbank Mittlerer Schwarzwald eG |
|---|---|
| Home Member State | Germany |
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 5299009A1SAL2URXG283 |
| Authorised services | Order execution |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About Volksbank Mittlerer Schwarzwald eG
Volksbank Mittlerer Schwarzwald eG is a German cooperative bank (Genossenschaftsbank), not a standalone consumer crypto exchange. It is structured as a member-owned cooperative and operates a full retail banking offering - current accounts, cards, membership dividends and banking apps - from its base in Germany. Any crypto-asset activity sits inside this regulated bank rather than as a separate exchange brand. Sources: voba-msw.de, thebanks.eu
On the MiCA question: the contracting legal entity is Volksbank Mittlerer Schwarzwald eG, supervised in Germany by the Federal Financial Supervisory Authority (BaFin). The crypto-asset service it is recorded as authorised to provide is limited to order execution (execution of orders for crypto-assets on behalf of clients). It is not listed for other MiCA services such as custody and administration of crypto-assets, operation of a trading platform, exchange against funds, portfolio management or advice - so the licence should be read as covering order execution only, not a full-service exchange permission. Source: thebanks.eu
Public research indicates the bank's consumer-facing crypto service is Bitcoin-only, covering buying, selling and secure custody (wallet storage), with no savings, staking or crypto card reported for the product; SEPA is supported for the fiat banking side. The same sources describe custody being delivered through a regulated partner (Tangany GmbH) and trading access via Digital Investment Solutions GmbH in Munich. These operational details come from third-party research and the bank's own pre-contractual documents, and should be confirmed against the bank directly before relying on them. Sources: voba-msw.de Bitcoin custody, finban.io
Which crypto services is Volksbank Mittlerer Schwarzwald eG authorised to offer in the EU?
Under its MiCA authorisation issued by Federal Financial Supervisory Authority (BaFin), Volksbank Mittlerer Schwarzwald eG (Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald eG not authorised to offer?
Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald eG in the EU?
If you transact through Volksbank Mittlerer Schwarzwald eG's EEA-authorised entity (Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald eG's terms of service that your contracting entity is Volksbank Mittlerer Schwarzwald eG, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald eG's entry on the register:
Frequently asked questions about Volksbank Mittlerer Schwarzwald eG and MiCA
Is Volksbank Mittlerer Schwarzwald eG licensed under MiCA?
Yes. Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 Volksbank Mittlerer Schwarzwald 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 - Volksbank Mittlerer Schwarzwald eG (Volksbank Mittlerer Schwarzwald eG)
- Volksbank Mittlerer Schwarzwald eG official website
- Volksbank Mittlerer Schwarzwald eG - bank and MiCA register entry
- Volksbank Mittlerer Schwarzwald eG - Bitcoin custody product page
- Volksbank Mittlerer Schwarzwald eG - bank profile
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