EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is Volksbank Raiffeisenbank Würzburg eG licensed under MiCA in the European Union?
Volksbank Raiffeisenbank Würzburg eG's European entity (Volksbank Raiffeisenbank Würzburg 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 17 December 2025.
Verdict: Volksbank Raiffeisenbank Würzburg eG appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | Volksbank Raiffeisenbank Würzburg eG |
|---|---|
| Home Member State | Germany |
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 529900YT5VCRYQ5WI821 |
| Authorised services | Order execution |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About Volksbank Raiffeisenbank Würzburg eG
Volksbank Raiffeisenbank Würzburg eG is a German cooperative bank (eingetragene Genossenschaft), not a consumer crypto exchange, custodian or asset manager. Its main business is everyday retail banking - current accounts, payments and savings - and members hold cooperative shares rather than paying a club fee. Research indicates the bank was founded on 13 February 1913 and is headquartered in Würzburg, Germany. Sources: vr-bank-wuerzburg.de, Wikipedia
On crypto, the bank does not run its own exchange. Research describes a service called 'meinKrypto', offered through the bank's VR-BankingApp, that lets customers trade a small set of crypto-assets - reported as Bitcoin, Ethereum, Litecoin and Cardano - on a spot basis only, with trades settled through a clearing account (Verrechnungskonto) held at the bank. According to the research, the service has no custody, savings/DCA, staking or card features of its own, and crypto custody is provided by a partner, Boerse Stuttgart Digital Custody GmbH, with Börse Stuttgart as the trading venue. Sources: vr-bank-wuerzburg.de crypto page, Platow press report
On the legal question: the contracting legal entity is Volksbank Raiffeisenbank Würzburg eG, a credit institution supervised in Germany by the Federal Financial Supervisory Authority (BaFin). Under MiCA, the ESMA register lists this entity as authorised for one crypto-asset service - order execution (executing orders for crypto-assets on behalf of clients). That single permission is what the MiCA authorisation covers; it does not, on the ESMA services list, extend to other MiCA services such as custody and administration, exchange of crypto-assets, portfolio management, advice, or operating a trading platform - those functions, where present in the meinKrypto offering, are performed by partners. Source: vr-bank-wuerzburg.de imprint
Which crypto services is Volksbank Raiffeisenbank Würzburg eG authorised to offer in the EU?
Under its MiCA authorisation issued by Federal Financial Supervisory Authority (BaFin), Volksbank Raiffeisenbank Würzburg eG (Volksbank Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg eG not authorised to offer?
Volksbank Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg eG in the EU?
If you transact through Volksbank Raiffeisenbank Würzburg eG's EEA-authorised entity (Volksbank Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg eG's terms of service that your contracting entity is Volksbank Raiffeisenbank Würzburg eG, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to Volksbank Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg eG's entry on the register:
Frequently asked questions about Volksbank Raiffeisenbank Würzburg eG and MiCA
Is Volksbank Raiffeisenbank Würzburg eG licensed under MiCA?
Yes. Volksbank Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg 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 Raiffeisenbank Würzburg eG (Volksbank Raiffeisenbank Würzburg eG)
- Volksbank Raiffeisenbank Würzburg eG official website
- Volksbank Raiffeisenbank Würzburg eG - crypto trading (meinKrypto) page
- Volksbank Raiffeisenbank Würzburg eG - Impressum (legal form, address, BaFin)
- Platow - VR-Bank Würzburg rolls out meinKrypto
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