This article analyzes how to buy Bitcoin and crypto with Fortuneo Banque. Customers of Fortuneo can still acquire digital assets by moving money to MiCA-regulated exchanges even if the bank does not provide direct trading of cryptocurrencies.
Here, I discuss investing in Bitcoin, Ethereum, and other cryptocurrencies through your Fortuneo account, explaining how to do so in a secure and effective manner.
All About Fortuneo Banque
Fortuneo Banque is an online bank and a member of the Crédit Mutuel Arkéa group. It offers current accounts and saving accounts, stock investments through a PEA or brokerage account, life insurance, personal and mortgage loans.
Banks and investment companies regulations are both applicable, and Fortuneo has approximately 1.2 Million clients, Arkéa group has over 5 million customers in France.
It aims to provide everyday banking at a more cost-effective model compared to typical banking institutions.
It offers clients lower fees and combines through one portal on the everyday banking and investing platforms to streamline the customer experience.
How To Buy Bitcoin & Crypto With Fortuneo Banque
Even though Fortuneo Banque does not allow for direct purchases of cryptocurrency, you can still fund a trusted exchange like Binance. Here’s how:
Create Accounts: Open your Fortuneo Banque account and a Binance account.
Deposit Funds: Transfer euros from your Fortuneo account to Binance via SEPA transfer. Transfers usually take 1–2 business days.
Buy Crypto: Once your funds arrive, select Bitcoin or any other cryptocurrency of your choice on Binance and place a buy order.
Secure Your Crypto: Store your crypto in a secure wallet. You can use either Binance’s wallet or an external cold wallet.
This is how you can combine the crypto trading with banking for convenience and safety.
Can I Buy Bitcoin with Fortuneo Banque?
Fortuneo Banque does not offer direct trading of crypto currencies on its online or mobile banking services.
Customers who wish to buy Bitcoin must transfer funds to a French exchange regulated under MiCA and registered with the Autorité des marchés financiers (AMF).
Customers can make payments using SEPA transfers from France and the EU, SWIFT payments, and, for some exchanges, deposits with Fortuneo debit or credit cards.
After the payment is processed, customers can buy Bitcoin, Ethereum, and a range of other digital assets in full compliance with French and EU regulations.
Customers can exchange the regulated crypto trading platforms for the excellent crypto trading balances offered by Fortuneo.
Fees and Deposit Limits for Fortuneo Customers
Before clients at Fortuneo move funds, they must check eToro’s fees and limits:
- Deposits: There’s a €50 minimum free SEPA transfer in euros, and Fortuneo debit and credit card euro deposits are free. For non euro deposits, there’s a 0.5% conversion fee.
- Withdrawals: There’s a €5 fee for every withdrawal and funds will be automatically sent back to the Fortuneo account or card used to make the initial deposit.
- Limits: Monthly volumes can be higher for higher tiers than verified accounts which can transfer over €100,000 a day.
- Trading: There’s no commission for trading, but there’s a ~1% spread for crypto trades.
Overall, the fee structure shows eToro is cost-effective for Fortuneo users compared to higher fee and card deposit charge platforms like Coinbase.
Fortuneo Banque Cryptocurrency Policy
Fortuneo Banque does not offer clients direct crypto trading services and does not include crypto assets in its offerings.
Clients wanting to purchase crypto assets must go through Digital Asset Service Providers (DASPs) registered with the AMF or providers licensed to operate as Crypto Asset Service Providers (CASPs) under the EU MiCA regulations.
As of December 2024, MiCA regulations replaced national regulations, thereby granting CASPs passporting rights across the EU. France’s 2019 PACTE law laid the groundwork for the DASP regime, incorporating client asset segregation, and AML and CFT regulations.
These provisions enhance client protection and legal certainty. Clients of Fortuneo Banque can acquire licensed providers to purchase and hold crypto assets like Bitcoin and Ethereum.
Best Alternative Exchanges for Fortuneo Customers
Kraken
As a MiCA-regulated and AMF-registered exchange, Kraken is most suitable for Fortuneo users. Kraken facilitates SEPA/IBAN transfers and also accepts debit/credit cards, Apple Pay, Google Pay and PayPal.
It has over 350 cryptocurrencies and offers low trading fees (0.16% maker and 0.26% taker, with access to the advanced Kraken Pro trading platform).
Kraken provides transparency and security thanks to Independently audited Proof-of-Reserve, advanced security, and strong regulatory compliance.
Bybit
Bybit is a top-tier global player in crypto derivatives and spot trading exchanges, with over 74 million users, accepting SEPA, debit/credit cards, SWIFT, Apple Pay and Google Pay for Fortuneo users.
It has over 2000 digital assets, with spot trading fees from 0.1%. In compliance with MiCA/AMF, Bybit offers advanced trading tools, VIP discounts, and high liquidity, ensuring safe and secure trading in Europe, making it an in-demand exchange for crypto traders.
Coinbase
Coinbase is one of the most renowned exchanges and one of the most regulated under MiCA and is completely available to clients of Fortuneo Banque in France.
It accepts SEPA transfers and payments via debit and credit cards, Apple Pay and Google Pay. Customers may obtain more than 200 cryptocurrencies, stake, and mint rewards in Coinbase accounts.
Coinbase is fully compliant with EU regulations, offers one of the best security infrastructures and is at the same time simple enough to be used by clients with little experience and professionals.
Conclsuion
In conclsuion While Fortuneo Banque doesn’t offer direct crypto trading, clients can easily buy Bitcoin and other digital assets by transferring funds to MiCA-regulated exchanges such as eToro, Kraken, Bybit, or Coinbase.
These platforms meet EU and French regulations bringing Fortuneo clients a safe, clear, and affordable approach to crypto investments.
FAQ
Can I buy Bitcoin directly through Fortuneo Banque?
No, Fortuneo Banque does not support direct crypto trading or wallets.
How can I buy crypto using my Fortuneo account?
Transfer funds to a MiCA-regulated exchange like eToro, Kraken, Bybit, or Coinbase.
Are SEPA transfers from Fortuneo accepted on crypto exchanges?
Yes, SEPA transfers are the most common and cost-effective deposit method.
Does Fortuneo charge fees for crypto transfers?
Fortuneo generally offers free SEPA transfers in euros within the EU.
Which exchanges are compatible with Fortuneo Banque?
Popular options include eToro, Kraken, Bybit, and Coinbase—all MiCA-compliant.
