German banks in the MiCA register: 19 notifications

The ESMA register of crypto-asset service providers lists 19 German institutions with a date from 2 October 2026 and the label Article 60. They are not new crypto exchanges but banks that have notified their crypto services to the supervisor, BaFin. The best known is Deutsche Bank, with a date of 12 October. Alongside it are 16 cooperative banks (eGs, such as Volksbanken, Raiffeisenbanken, VR Banks and Sparda-Bank Baden-Württemberg), plus Openbank Deutschland and KSW Vermögensverwaltung.

This follows our piece on BingX EU and YouHodler in the MiCA register, in which seven of these German entries already appeared. Below you will find what has been added since, what a notification under Article 60 is, and what the register does not tell you.

German banks in the MiCA register in short

• 19 German entries with a date from 2 October and the label Article 60 (notification). Of these, 13 have a date up to and including 22 October, the cut-off of the file we use. The other six have a later date: 23 October (Openbank Deutschland), 30 October (Raiffeisenbank Rehling and Volksbank in der Hohen Mark) and 13, 18 and 19 November (VR Bank Lahn-Dill, Volksbank in Ostwestfalen, Volksbank Oberberg).
• Deutsche Bank Aktiengesellschaft: date 12 October 2026, supervisor BaFin, two services: custody and administration (a) and transfer (j). The passport in the file covers Germany only.
• 16 cooperative banks with one service: execution of orders (e). This is the service that fits offering the purchase and sale of crypto to their own customers.
• 106 of the 128 entries with the label Article 60 in our copy of the file have Germany as home country: more than four in five.
• A notification is not a CASP authorisation. A bank with an existing banking licence notifies its crypto services in advance; it does not have to apply for a separate authorisation.

What is a notification under Article 60?

A provider that is not a bank needs its own authorisation for crypto services (Article 59 of the MiCA Regulation; in the register this carries the label Article 63). Banks authorised under the European capital requirements rules (CRR) may, under Article 60, offer their crypto services once they have notified their supervisor. The MiCA rules still apply in full: it is a lighter route, not an exemption.

In its Merkblatt on crypto services (as of January 2025), BaFin writes that CRR credit institutions may provide all crypto services and that the bank must notify this at least 40 working days before the start, with the information from Article 60(7). That is eight weeks. BaFin speaks there of a Notifizierung (notification) and not of a Zulassung (authorisation). We follow that choice of words: for banks in this article we write "notification", not "authorisation".

What does the register say about Deutsche Bank?

In the file: an entry dated 12 October 2026, label Article 60, services a and j. That matches what CVJ.ch wrote on 19 October 2026: according to MiCAwatch, the bank is in the ESMA register for custody and transfer, for Germany only. CVJ.ch also reports the following, citing Reuters and other media:

• The first clients are companies and institutions of the Corporate Bank and the Investment Bank in Europe: businesses, asset managers, hedge funds, custodians, brokers and public bodies. Retail clients are excluded.
• At launch the assets are bitcoin, ether and the stablecoins USDC, EURC and EURAU. EURAU comes from AllUnity, a joint venture that includes DWS, the Deutsche Bank asset manager.
• According to Reuters, the bank is still "weeks" away from launch. No date has been given.
• Crypto is not covered by deposit protection.

So this is not an offer for you as a private individual. The entry in the register says something about what the bank is allowed to do, not about what it is already doing.

What do the Volksbanken and Raiffeisenbanken in the register mean?

Sixteen entries from cooperative banks with a single service, execution of orders. The pattern fits "meinKrypto", the DZ Bank platform. CoinDesk reported on 14 January 2026 that DZ Bank received approval from BaFin under MiCA at the end of December 2025 for a retail crypto platform integrated into the VR Banking App, offering bitcoin, ether, litecoin and cardano. According to that article, each Volksbank or Raiffeisenbank must itself notify BaFin before its customers can trade.

IT-Finanzmagazin wrote on 24 March 2026 that the platform was built by Atruvia and DZ Bank, that custody is with Boerse Stuttgart Digital and execution runs via EUWAX, and that VR-Bank Rottal-Inn was one of six pilot banks. The offer is for "Selbstentscheider": customers who make their own decisions, without advice.

Whether every bank in the table below uses meinKrypto is not visible in the register. It only says: notification, one service, execution of orders.

The services are the letters from the ESMA file: a custody and administration, e execution of orders, g reception and transmission of orders, i portfolio management, j transfer.

What does this mean for you as a European investor?

In Germany. If you are a customer of a Volksbank, Raiffeisenbank or Sparda-Bank, you can buy crypto through your bank as soon as it actually offers the service. Whether it does is something you find out from the bank itself; an entry in the register is not an offer. For more on the Sparkassen, read our piece on buying bitcoin at the Sparkasse.

In the Netherlands. In our copy of the file there are 28 entries with the Netherlands as home country, seven of them with the label Article 60 (including ClearBank Europe and Vivid Money). A German bank with a notification may offer its service in the file only in Germany: Deutsche Bank's passport covers Germany only. If you use a Dutch bank or exchange, check the overview of MiCA authorisations for its status.

In Belgium, France, Portugal and Poland. None of the German notifications gives a passport for your country. Belgium has two entries as home country, France 36, Portugal one and Poland none. For Belgium, France and Portugal the label is empty, so the register does not say whether they are notifications or authorisations.

In Spain. Six entries with the label Article 60 and ten with Article 63 (home country Spain, 16 entries in total).

If you want to buy crypto and are comparing providers, start with our page on promo codes and bonuses from exchanges. A bank being in the register says nothing about fees, price markups or how you get your crypto to your own wallet: ask about that beforehand.

What is not certain yet

• What the date in the file means. Six entries have a date after the 22 October cut-off. We assume it is the date from which the bank may offer the service, but the file does not say so.
• Whether the banks are already serving customers. The register says a bank may, not that it does. A start date for Deutsche Bank is not known.
• What the official source says. The ESMA website could not be opened directly from our environment at the time of writing (403). We therefore use our own copy of the ESMA file CASPS.csv, which is refreshed every week; it is as of 22 October 2026. If you count yourself, you may find a different number of entries: our file has 382 rows after merging duplicate legal entities.
• Whether Deutsche Bank itself confirms the details. The information on target group and coins comes from CVJ.ch, which relies on MiCAwatch and Reuters. We have not been able to open a press release from the bank or BaFin.

This article is not investment advice. Crypto can lose a great deal of value and you can lose your entire stake.

Frequently asked questions

Does Deutsche Bank have a MiCA authorisation?

In the ESMA register, Deutsche Bank appears with a notification under Article 60 (date 12 October 2026, supervisor BaFin, custody and transfer). That is a notification by a bank with an existing licence, not a separate CASP authorisation.

Can I buy crypto at Deutsche Bank?

According to CVJ.ch, which cites Reuters, the first clients are business customers and institutions; retail clients are excluded. A start date is not known.

What is the difference between Article 60 and Article 63 of MiCA?

Providers that are not banks need a CASP authorisation (Article 59 of MiCA; the register uses the label Article 63 for this). Article 60 is the notification by a bank or investment firm with an existing authorisation. The MiCA rules apply to both.

How soon can a bank start after a notification?

According to the BaFin Merkblatt, a bank must notify at least 40 working days before the start, eight weeks. That is a latest deadline before the start; how long it takes before a bank actually begins is not in the register.

Are all the Volksbanken in the register ready for crypto?

You cannot tell from the register. It shows a notification and one service, execution of orders. Whether the bank uses meinKrypto and serves customers is something to ask your own bank.

Sources

Read on 28 October 2026.

• ESMA: CASPS.csv, interim MiCA register, via our weekly copy, as of 22 October 2026 (the ESMA site itself returned a 403 at the time of writing).
• BaFin: Merkblatt Kryptowerte-Dienstleistungen nach MiCAR, as of January 2025, on the notification by CRR credit institutions and the 40 working days.
• CVJ.ch: Deutsche Bank will Krypto-Verwahrung binnen Wochen starten, 19 October 2026, with references to MiCAwatch and Reuters.
• CoinDesk: DZ Bank wins MiCA approval to roll out retail crypto trading in Germany, 14 January 2026.
• IT-Finanzmagazin: Atruvia und DZ-Bank: Erste Volksbanken rollen mit "meinKrypto" ein passives Kryptogeschäft aus, 24 March 2026.
• Cryptocode: MiCA register of 21 October 2026.