bitstack review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bitstack is a euro first bitcoin app for savers who want regulated self custody and euros back on demand, with no notice period before a sale settles. It lists 1 coin and runs on a no monthly fee model, so it is a focused holding account rather than a broad exchange.
Key facts
- Best for
- A single coin euro account for holding bitcoin, with on demand access and no monthly fee.
- Taker fee
- 0.49% to 1.49%↗
- Coins listed
- 1↗
- Regulators
- Autorité des Marchés Financiers, Autorité des Marchés Financiers (AMF)↗
- Fiat deposit methods
- Card, Bank, SEPA↗
- Withdrawal fee
- 0 EUR for standard Bitcoin transfers↗
- Derivatives
- No↗
- Exchange type
- Cex↗
- Legal entity
- BITSTACK DIGITAL ASSETS SAS↗
- Headquarters
- France↗
- Founded
- 2021↗
- Support channels
- Help-centre, Chat↗
- Features
- Custodial
- Official website
- bitstack-app.com
Savings
Crypto wallets
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- The account is €0 and standard bitcoin transfers come at 0 EUR for standard Bitcoin transfers.
- Access on demand with no notice period, selling bitcoin for euros back to the linked bank account or sending it to an external wallet.
- Custody sits with the customer, with self custody through a mobile wallet.
- Regulated by Autorité des Marchés Financiers and Autorité des Marchés Financiers (AMF), with euro balances covered under EU DGS up to EUR 100,000.
Cons
- Only 1 coin is listed and no derivatives are offered, so it suits holding rather than active trading.
- Support runs on help centre and chat only, with no phone line listed.
Who it suits
- Euro zone savers who want to hold bitcoin in their own custody and cash out to a linked bank account without a notice period.
- People who put a regulated euro platform and deposit protection above a wide coin list.
- First time bitcoin buyers who want a simple mobile app rather than a trading terminal.
Who should look elsewhere
- Traders dealing often, who should weigh eToro at 1% against bitstack's 0.49% to 1.49%.
- Anyone after a crypto earn product, since Vivid Plus charges 2.25%.
- Existing bunq customers comparing dealing costs, where bunq runs 0.25% to 1.99%.
How bitstack compares
8.6 vs 9.5
8.6 vs 9.3
8.6 vs 9.4
8.6 vs 9.4
8.6 vs 8.5
8.6 vs 9.4
8.6 vs 8.7
8.6 vs 9.2A single taker fee of 1% suits anyone who prefers one flat rate.
8.6 vs 9.4
8.6 vs 8.7
8.6 vs 9.3
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.2
8.6 vs 9.0
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8.6 vs 8.3
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8.6 vs 9.4
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8.6 vs 9.2
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8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.5
8.6 vs 8.4- 8.6 vs 8.0
Where bitstack is available
- Licence in France
- Autorité des Marchés Financiers (A2025-003), checked September 26, 2026
- Licence in France
- Autorité des Marchés Financiers (AMF) (MiCA CASP 894500RKZ3TVTPIF7V84), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, Greece, Croatia, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
How much does it cost to keep a Bitstack account?+
The account itself is €0 and the app costs €0, so holding costs nothing. What you pay for is trading, with taker fees of 0.49% to 1.49%, plus anything outside standard bitcoin transfers, which are 0 EUR for standard Bitcoin transfers.
How do Bitstack's trading fees compare?+
Taker fees on the easy access account are 0.49% to 1.49%, above the 0.25% median across the site. bunq charges 0.25% to 1.99%, eToro 1% and Vivid Plus 2.25%. Frequent dealing is where the gap bites.
Is Bitstack regulated?+
Yes. The Autorite des Marches Financiers appears as the regulator on the licences held, including A2025-003 and MiCA CASP 894500RKZ3TVTPIF7V84. The operating entity is BITSTACK DIGITAL ASSETS SAS, based in France and founded in 2021.
What protection do I get on euro deposits?+
Euro balances are covered by EU DGS up to EUR 100,000, which protects the fiat side of the account if a bank fails. Bitcoin held on the platform is not a deposit, so that cover does not extend to your coins.
How do I deposit euros and get money out?+
Fiat in by card, bank and sepa, with a minimum deposit of €1. Out, access is on demand with no notice period: you can sell bitcoin for euros back to the linked bank account, or send bitcoin to an external wallet.
Which coins can I buy on Bitstack?+
Bitcoin only: 1 coin is listed and 1 coin is supported, so this is a single asset app rather than a broad exchange. If you want a wide market, eToro is the comparison worth making, with a taker fee of 1%.
Who holds my bitcoin?+
You do. Custody is recorded as self custody, delivered through a mobile wallet on a cex setup rather than a decentralised exchange. That matters for anyone who wants their own keys rather than an exchange balance.
How do I get help from Bitstack?+
Support runs on help centre and chat, so questions are answered in the help centre or by chat. No phone line is listed, which matters if you would rather talk a problem through, so check the help centre first.
What are the risks of holding bitcoin here?+
Bitcoin prices can fall sharply, and retail losses across the site run at 70.15%, with most results between 65.75% and 74.5%. Deposit cover protects euros rather than the value of your coins, and no derivatives are offered to magnify a move.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=FR”
- bitstack-app.com checked September 26, 2026
Backs: Coins supported, Custody, Derivatives, Exchange type, Features, Price, Regulators, Wallet type
“Bitcoin savings application”
- bitstack-app.com/pricing checked September 26, 2026
Backs: Coins listed, Fiat deposit methods, Taker fee, Withdrawal fee
“Bitcoin only — The platform specializes exclusively in Bitcoin investments and transactions”
- help.bitstack-app.com/fr checked September 26, 2026
Backs: Support channels
“Centre d'Aide with support categories; Customer support available”
- tech.eu/2025/12/02/bitstack-lands-15m-to-build-europes-bi... checked September 26, 2026
Backs: Founded
“Paris-based fintech founded in April 2021 by Alexandre Roubaud (CEO) and Kabir Sethi (CTO)”
- bitstack-app.com checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection, Minimum deposit
“You can sell your bitcoins for euros and get them back in your linked bank account, or send your bitcoins to your external wallet.”
- bitstack-app.com/en/pricing checked September 26, 2026
Backs: Pricing model, Monthly fee
“Standard - Save in Bitcoin at your own pace, with no subscription. Free - Subscription price (in euros) €0 / month”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
bitstack
A single coin euro account for holding bitcoin, with on demand access and no monthly fee.