Bit2Me exchange profile: services, fees, custody and eligibility

Bit2Me is a Spanish crypto platform serving individuals and businesses through a connected suite. Its main retail routes are Wallet for straightforward purchases and sales, and Pro for advanced orders. The website advertises more than 300 crypto assets across the wider offering. A listed asset does not establish that every trading pair, transfer network or ancillary product is available to every account.[1]

Pro’s September 2026 terms describe external execution or transmission to an intermediary and expressly exclude matching customers’ buying and selling interests. Its advanced interface does not establish a multilateral trading venue operated by Bit2Me.[2]

The execution policy considers price and total costs alongside speed, probability of execution and settlement, order size, custody conditions and technical risks. Orders can be handled through venues or intermediaries. Its obligation is to take sufficient measures to seek the best result under the policy; it does not guarantee the best observable price on every individual trade. This distinction matters when comparing a displayed reference price with the completed transaction.[4]

For swaps up to €20, the help page offers a price guaranteed for ten seconds. Above €20, execution can differ from the displayed proforma. A €1,000 fee base at 0.95% means €9.50 operational commission before any payment charge or embedded spread. A loyalty fee reduction does not by itself establish a zero-cost trade.[5]

This schedule covers crypto/EUR and crypto/stablecoin pairs such as BTC/USDC. Stablecoin-base pairs have a separate 0% maker / 0.01% taker schedule through €1 billion volume and do not advance the standard tier. Space Center discounts reach 50%; corporate terms differ. At the entry tier, €1,000 traded costs €5 maker or €6 taker before execution-price differences. Pro tools and Wallet–Pro transfers are free; internal transfers are instant.[6]

Compare routes using the amount actually received after purchase, funding and withdrawal costs. An order that adds liquidity can have a different charge from one that executes immediately, and a quoted price can already contain a margin. The lowest advertised high-volume rate is not the ordinary starting rate. For larger negotiated trades, request the complete OTC quote and settlement terms before comparing it with a retail commission percentage.[4][30]

For a EUR bank deposit, generate the bank details from the account, then instruct the transfer from the bank. The reference code allows Bit2Me to allocate the payment. The sending account holder must match the verified customer; evidence can be requested for a shared bank account. Keep the transfer receipt and the reference used until the funds have been credited.[8]

The timing guide identifies instant deposits through Unnax or Clear Junction where the sending bank supports the route and the reference is correct. Standard bank transfers usually take 24–48 business hours, affected by bank cut-offs and holidays. An instant-payment label does not remove identification or reconciliation checks. If a payment is missing, support asks for transfer evidence rather than a second payment.[9]

SEPA withdrawals go to a bank account in the customer’s own name. The payout instruction records the destination country, IBAN and amount before confirmation. The published funding table lists no general maximum for several bank and blockchain routes, but this is not a promise that any amount will pass without account, banking or compliance checks.[10][7]

Transfers require sender and recipient data, with ownership checks for self-hosted transfers above €1,000. Incomplete information can prevent processing even after a blockchain transaction confirms.[2]

Ordinary custody uses Bit2Me or sub-custodian omnibus addresses, separate from firm assets. Reconciled records establish individual holdings. The terms prohibit reuse without separate express instructions and exclude client assets from the firm’s insolvency estate. Shared-account shortfalls can nevertheless be allocated proportionally, subject to liability rules. Individual blockchain custody is unavailable; positions are established by internal records, not a block explorer.[2]

EUR balances are pooled in designated client accounts at banks or other authorised providers, separate from company money. The terms say these balances earn no interest and are not bank deposits covered by deposit guarantees.[2]

Bit2Me’s security page refers to Ledger Vault insurance. The linked 2022 insurance summary describes pooled platform crime cover of up to US$150 million, including specified private-key theft and internal-collusion events. That is not US$150 million allocated to each Bit2Me customer, and the summary does not establish coverage for every loss, market decline or platform failure. Coverage depends on the insured event, exclusions, aggregate limit and the applicable policy. The linked overview is also not a current customer-specific insurance certificate.[12]

The published risk disclosures state that crypto holdings do not have bank-deposit or investor-compensation protection. That limitation sits alongside the custody contract and security controls; a regulatory permission does not convert crypto into an insured bank deposit. Earn lending and collateralised borrowing also require separate analysis because the customer’s asset rights change under those product agreements.[13]

Bit2Me publishes a country-by-country service matrix rather than one uniform worldwide entitlement. The number of available services differs by residence: examples in the matrix include Germany, Austria, Argentina, Australia and Andorra. Account acceptance, fiat access and individual product access therefore need separate checks. A globally accessible website or app download does not establish that a resident can open an account or use a particular service.[14]

Automated checks can finish within minutes, while the registration FAQ gives up to 48 business hours for manual verification as an estimate. Requests for additional material appear in the verification workflow and must be completed through the designated form. A pending check is different from an accepted account: the applicant may need to correct the document or supply further information before service access is enabled.[16]

Applicants under 18, residents of unsupported countries and sanctioned persons or entities can be refused. The helpdesk states that verification is not completed by simply emailing documents or appearing in person. These restrictions concern the customer as well as the document: an otherwise valid ID does not override a prohibited residence or sanctions result.[17]

Business onboarding requires incorporation documents, identification of directors and beneficial owners, and source-of-funds evidence. The business page describes activation in under 24 hours when documentation is complete and accepted; this is conditional, not a guaranteed deadline. It states that opening a business account has no minimum operating volume, while OTC thresholds are confirmed separately. Corporate authorisation, permissions for staff and the payout destination should be established before operational funds are transferred.[29]

The support page offers assistance in at least seven languages and a ticket-response target of 24–48 working hours. Telephone hours are printed as 09:00–20:00 CET; users outside Spain should check the relevant regional contact and actual local time. A support-response target is not a promise that a blocked withdrawal or an account investigation will finish within that interval.[18]

If ordinary support does not resolve the matter, submit a free formal complaint identifying the customer, contact details, affected service, dates, relevant account or transactions, requested remedy and supporting documents. Postal claims can go to SAC Bit2Me, Apartado de correos 8092, 12006 Castellón de la Plana, Spain. The guidance allows up to two months for handling, with notice of exceptional delays. A dissatisfied customer, or one without a decision after that period, can refer the matter to the CNMV within the stated one-year referral limit.[19]

The complaints regulations state a one-year period from the event for filing the original complaint and separate the customer-service function from commercial departments. A decision binds Bit2Me but does not prevent the customer from pursuing other available remedies. Card and e-money disputes can follow the separate payment provider’s process; the Pecunia terms specify 15 working days for payment complaints, with an exceptional final-response limit of one month.[20][28]

The current CNMV list identifies Bitcoinforme, S.L. (Bit2Me) and records 31 October 2025 as the start of services. Listed categories cover custody, exchange against funds and other crypto assets, execution, placement, reception/transmission of orders and transfers. The list does not establish operation of a multilateral customer-matching venue. Bit2Me separately dates the authorisation resolution to 28 July 2025; the resolution date and the listed start date describe different events.[21][22]

The company’s current website also states that Bitcoinforme is a Banco de España payment institution, code 6947, listed on 15 July 2026 for transfer execution. That statement is attributed to the company: the linked register application did not expose an inspectable entry in this review. Payment scope is separate from the CNMV crypto permission and from each ancillary product contract.[1]

Bit2Me’s February 2026 company report describes a business founded in Spain in 2014 by Leif Ferreira and Andrei Manuel. It reports €5.346 billion in transaction volume and more than 1.3 million clients at the end of 2025. These are company-reported historical totals, not independently measured current daily exchange volume or active-trader counts. They support its significance as a Spanish and European platform without establishing a precise global rank.[23]

The same report describes a €30 million funding round led by Tether in 2025, with Bankinter and other investors subsequently participating. Financing and client numbers describe company development, rather than assets available to reimburse account holders. The corporate structure also includes specialised businesses, so group announcements should be checked against the exact operator named in the customer agreement.[23]

The newer Earn agreement gives Bitcoinforme’s registered address as C/ Germán Bernácer 69, 03203 Elche, Alicante, Spain. This differs from the formal complaint postal box; the two addresses serve different purposes.[24]

Operator

Bitcoinforme, S.L.

Exchange model

Centralised

Service scope

Wallet brokerage, Pro execution/order transmission, business and OTC services.

Client types

Retail clients; Professional clients; Institutional clients

Pricing publication

Public and quoted pricing

Headquarters

Spain

Pricing scope

Public Wallet and Pro schedules; embedded spread, payment charges, networks and negotiated OTC terms vary.

Funding scope

EUR banking, supported direct payment methods, crypto transfers and internal Pay.

Custody and asset handling

Shared client wallets with internal allocations; lending and collateral products have different terms.

Client eligibility

Verified adults and accepted businesses; residence, document and product restrictions apply.

Support

Multilingual support, telephone and tickets; formal customer-service complaint route.

Authorisation and registration scope

CNMV-listed MiCA crypto services. Payment-institution disclosure is attributed to the company; card and Earn contracts are separate.

Exchange metadata checked 20 Oct 2026Source 22Source 4Source 14Source 2Source 7Source 18Source 21Source 1Source 17Source 6Source 23

The Earn lending terms last updated 30 June 2026 make Bitcoinforme the borrower. The customer transfers ownership of crypto and receives a contractual claim for equivalent assets plus agreed interest. The initial loan lasts 18 months and renews, but early repayment can be requested. The document estimates one to five business days for return, allowing reasonable operational, security or technical extensions; interest stops on the requested amount when redemption is requested. This arrangement changes the customer’s exposure from custody to a loan to the company.[24]

Another public Earn agreement names Devteam Ireland Limited. Public coexistence of these documents does not prove that every account has migrated to one provider. The accepted agreement and the actual product shown in the account determine the counterparty. An Earn label should not be used as shorthand for segregated custody or guaranteed staking income.[25]

Bit2Me Loan offers stablecoin borrowing in EURC or USDC against supported crypto collateral. The product page describes liquidation at 85% loan-to-value and a liquidation charge of 2% of outstanding principal, with a €100-equivalent minimum. Collateral falling in value can raise the loan-to-value ratio even when the debt is unchanged. Check the asset-specific borrowing limit, interest, collateral balance and liquidation rules together; the advertised collateral maximum is not a promise that a loan can remain outstanding at that level indefinitely.[26]

Card refunds have their own cost: the schedule charges 0.95% for a purchase refund to a linked crypto wallet and 0% for a euro-wallet refund. Card spending also has count limits of 20 transactions a day, 200 a month and 700 a year, plus a €200,000 annual value ceiling. These limits aggregate the user’s physical and virtual cards.[27]

The card fee page contains inconsistent daily/monthly ATM-limit summaries. Confirm the available cash limit in the app before relying on a withdrawal amount. A virtual card cannot make an ATM withdrawal. Card complaints and payment rights follow the separate provider agreement.[27][28]

Recurring purchases start at €1 and can run daily, weekly or monthly. The amount is set in euros rather than fixed crypto units. The current product page says monthly instructions for days 28–31 execute on the first day of the following month. Changes require cancellation and a new plan; an insufficient balance also cancels the instruction. The facility automates purchases but does not guarantee the average price or remove trading and payment costs.[31]

The OTC desk quotes a firm price for an agreed volume and arranges settlement in crypto or euros. The minimum is confirmed by a manager rather than published as one universal amount. Ask for the quote’s validity period, the counterparty, settlement timing, receiving account and full net proceeds. A negotiated commitment applies to the specified trade; the marketing promise of no slippage should not be extended to ordinary Wallet or Pro orders.[30]

The corporate suite also markets payment collections, stablecoin treasury, supplier payments, APIs, multi-user approvals and exportable records. These require a defined business setup and service scope. A single company onboarding process can be the starting point for several modules, but the operating permissions, contractual costs and controls for each module still need to be established.[29]