Eurobank Bulgaria, operating as Postbank, announced plans to integrate cryptocurrency, stocks, ETFs, commodities, and precious metals into its Postbank App by early 2027. The bank will partner with an unnamed international investment platform to provide the service.
Postbank's move reflects a broader trend among European financial institutions adopting white-label partnerships with regulated platforms to offer crypto access. Deutsche Bank is launching Bitcoin and Ethereum custody services in Germany and Asia by 2027, while BNY Mellon expanded through a MiCA-registered European custody entity.
The rollout follows a similar initiative by Bulgaria's First Investment Bank (Fibank), which partnered with Austrian platform Bitpanda Enterprise in early October 2026 to embed crypto investing into its My Fibank app for over one million customers. Bitpanda Enterprise Global Head Nadeem Ladki stated that digital assets are becoming part of mainstream finance, with banks playing a central role in that shift. Fibank CEO Nikola Bakalov emphasized that innovation is vital to keeping pace with evolving customer habits.
German cooperative banks began offering comparable services through existing accounts, powered by DZ Bank, which secured MiCA approval to offer Bitcoin and Cardano trading to institutional and retail clients. Standard Chartered launched direct Bitcoin and Ethereum trading through bank accounts.
Postbank reported 71% payment growth and 32% more active users in the first nine months of 2026, indicating strong mobile platform engagement among its customer base.
The regulatory framework enabling these moves stems from MiCA's bank-friendly licensing rules, which allow regulated platforms to supply crypto infrastructure while banks provide distribution channels and customer trust.
However, meaningful risks remain. Neither service is live yet, and crypto assets held inside banking apps fall outside traditional deposit guarantee schemes. Postbank has not disclosed its platform partner, limiting independent verification of the service's scope. Fees, asset selection, and user experience will ultimately determine whether mainstream retail adoption follows.
