EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is VR-Bank Rottal-Inn eG licensed under MiCA in the European Union?
VR-Bank Rottal-Inn eG's European entity (VR-Bank Rottal-Inn 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 16 December 2025.
Verdict: VR-Bank Rottal-Inn eG appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | VR-Bank Rottal-Inn eG |
|---|---|
| Home Member State | Germany |
| National Competent Authority | Federal Financial Supervisory Authority (BaFin) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 529900APX10RF2PBTB22 |
| Authorised services | Order execution |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About VR-Bank Rottal-Inn eG
VR-Bank Rottal-Inn eG is a German cooperative bank (Genossenschaftsbank), not a consumer crypto-asset exchange. It is owned by its members through cooperative shares and serves private and business customers in the Rottal-Inn district of Lower Bavaria. Its own website markets traditional banking products - current accounts such as the VR-OnlineKonto Plus, fixed-term deposits (Festgeld), loans, building-savings contracts and payment cards - and does not advertise any retail crypto-asset product such as Bitcoin or multi-asset spot trading, custody, savings/DCA, staking or a crypto card. Source: vrbk.de
On the legal point, the contracting entity is VR-Bank Rottal-Inn eG, a credit institution established under German law and supervised in Germany. The competent authority recorded for it is the Federal Financial Supervisory Authority (BaFin). Under the EU Markets in Crypto-Assets Regulation (MiCA), the only crypto-asset service recorded for this entity in the source data is order execution. The record does not list other MiCA services such as custody and administration, operating a trading platform, exchange of crypto-assets, portfolio management, transfer services, placing or advice - so any authorisation here would cover order execution only, not those wider activities. Source: MiCA CASP register entry
This entry should be read with caution. Independent research found no crypto-asset service offered to the public by VR-Bank Rottal-Inn eG and noted that the bank's official communications describe only conventional banking, with some third-party registry data appearing to misattribute crypto services and even a different national regulator to it. As a result, the practical answer to whether VR-Bank Rottal-Inn eG operates as a MiCA-licensed crypto service for consumers is: it does not market one. Anyone relying on a MiCA status for this institution should verify the current entry directly against BaFin and the official ESMA MiCA register before acting. Sources: vrbk.de, MiCA CASP register entry
Which crypto services is VR-Bank Rottal-Inn eG authorised to offer in the EU?
Under its MiCA authorisation issued by Federal Financial Supervisory Authority (BaFin), VR-Bank Rottal-Inn eG (VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn eG not authorised to offer?
VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn eG in the EU?
If you transact through VR-Bank Rottal-Inn eG's EEA-authorised entity (VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn eG's terms of service that your contracting entity is VR-Bank Rottal-Inn eG, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn eG's entry on the register:
Frequently asked questions about VR-Bank Rottal-Inn eG and MiCA
Is VR-Bank Rottal-Inn eG licensed under MiCA?
Yes. VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn 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 VR-Bank Rottal-Inn eG'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.