French Banking Giant BPCE Rolls Out Crypto Trading Across Mobile Apps

A Major French Bank Steps Into Digital Assets

French banking group BPCE has started offering crypto trading inside its mobile banking apps, marking a first among major European banks. The rollout began on December 8, 2025, and gives customers direct access to digital assets without using outside exchanges.

Early Rollout Reaches Two Million Users

BPCE activated the feature for users of Banque Populaire and Caisse d’Épargne. These customers can now buy and sell cryptocurrencies such as Bitcoin, Ethereum, Solana and USD Coin. The bank routed all trades through Hexarq, its crypto-focused subsidiary, so users do not need separate wallets or third party platforms.

The bank plans to expand access through 2026. About two million people can use the service today. BPCE expects the feature to reach nearly twelve million retail clients across its full network once the rollout is complete.

How the New Crypto Service Works

The in-app trading system aims to simplify crypto investing for everyday users.

Key features include:

• A built in trading interface available inside existing banking apps
• A monthly fee of €2.99
• A 1.5 percent commission on each trade with a minimum charge

This setup creates a familiar environment for customers who may feel uncertain about using external exchanges. It also shows how traditional banks are adapting as digital assets become a bigger part of personal finance.

What This Means for the Crypto Market

BPCE’s move signals a shift in the banking world. More institutions now view cryptocurrency as a long term component of financial services rather than a short lived trend. Furthermore, the bank’s size and reputation could encourage broader adoption among consumers who have stayed cautious.

Regulators and industry observers will watch closely as the rollout expands. The success of BPCE’s strategy may influence whether other major European banks decide to launch similar services.