France’s banking landscape is shifting as BPCE begins offering direct crypto purchases to a segment of its retail customers. The group now enables access to Bitcoin, Ether, Solana, and USDC through its regional networks. The launch signals a major step by a traditional financial institution entering an increasingly competitive digital asset sector.
Early Rollout Targets Two Million Customers
BPCE introduced the service within four regional entities, including Banque Populaire Île-de-France and Caisse d’Épargne Provence-Alpes-Côte d’Azur. These entities represent around two million customers. The group plans to introduce the service across its remaining networks during 2026. However, executives want to monitor performance before accelerating expansion.
Customers can buy or sell supported assets through the Caisse d’Épargne and Banque Populaire apps. Each user creates a dedicated digital asset account that carries a monthly fee of €2.99. Moreover, each transaction includes a 1.5% commission with a €1 minimum. Hexarq, BPCE’s crypto subsidiary, manages all related accounts.
European Banks Intensify Their Crypto Push
European banks are expanding digital asset services as more consumers seek regulated access. Fintech competition increased pressure on traditional banks. Apps like Revolut, Deblock, Bitstack, and Trade Republic attracted millions of crypto users across Europe. Consequently, major banks now view digital assets as an important retention tool.
Several institutions already moved ahead. BBVA allows Spanish customers to buy, sell, and hold Bitcoin and Ether through its app. Additionally, Santander’s digital unit Openbank added Bitcoin, Ether, Litecoin, Polygon, and Cardano with integrated trading and custody. These developments show rising confidence among banks exploring broader crypto strategies for retail clients.
BPCE Aims to Strengthen Its Retail Position
BPCE sees digital assets as a way to strengthen customer loyalty during rapid fintech disruption. Moreover, the bank expects growing interest as users seek simple crypto access through familiar platforms.
The phased rollout helps BPCE collect data and refine the service. This approach also prepares the bank for larger demand once digital asset regulations adjust across Europe.
Significantly, the move aligns with a wider trend in European banking that supports regulated access instead of external platforms. BPCE plans to position itself as a reliable and convenient gateway for everyday investors.
