Bitstack exchange profile

Bitstack is organised around buying and accumulating Bitcoin, then selling it for euros or transferring it elsewhere. The customer-facing quote is supplied through the platform. Bitstack says it sources Bitcoin from several verified counterparties; a customer does not thereby acquire a direct exchange membership with those venues.[32]

For a hypothetical €20 base purchase, the 30% Smart increase produces €26 when its condition applies. This raises the amount committed by €6; it does not establish a better execution price or investment return.[20]

The retained November 2025 execution policy describes own-capital interposition, possible aggregation and Bitstamp as a selected venue. Its historical licensing appendix should not be used as a current Bitstamp permission check. The operational Bitcoin guide now describes multiple sources, so this older document is not a complete live venue list.[40]

The commercial policy describes a variable price margin of 0.01%–1%, in addition to commission. It quotes Plus at €2.99 monthly or €29.99 annually. Standard card production and delivery total €14.97 (€9.99 + €4.98); monthly Plus waives delivery, while annual Plus includes one card. Some help copy says €14.98, so the purchase confirmation resolves that small published discrepancy.[4]

A €100 commission basis at the 1.50% Standard tier produces €1.50 commission; direct card funding adds €0.70, for €2.20 before the price margin. This is a hypothetical fee calculation, not a quote for the Bitcoin received.[17]

The pricing policy dated 1 September still states a €0.29 minimum on card purchases.[34]

The commercial policy dated 31 August removes purchase minima generally.[4]

The current fee guide explicitly removes the minimum for cash-account-funded purchases. The direct-card minimum therefore remains inconsistent across the documents; the confirmation matters for small purchases.[17]

The network share depends on transaction data size, not simply the amount of Bitcoin. The older pricing-policy wording describes Priority as up to 30 minutes and Standard as free without its small-transfer qualification. The current withdrawal guide provides the more specific operational conditions; neither timetable is a guaranteed confirmation deadline.[34][23]

Cash withdrawals use a beneficiary name and IBAN with in-app confirmation. Instant payout depends on the receiving bank; otherwise the guide allows up to two business days. If the cash account is enabled, Bitcoin sale proceeds first become its euro balance, so selling and transferring to an external bank are distinct steps.[27][13]

Purchase limits run over seven days and differ by payment method. The account-limits screen gives the applicable amount. An increase can require recent address and source-of-funds evidence plus a tax notice; first-time filers can use specified bank statements. No single public ceiling should be applied to every user.[18]

The custody policy names BitGo Europe GmbH as sub-custodian. Bitstack controls the means of access and records individual entitlements in its client ledger; client assets are segregated from its own holdings. These arrangements are custodial even when a user can request an external transfer. The policy also describes return of assets following a request, termination or cessation, subject to its conditions.[39]

Bitstack describes offline storage, multiple-signature approval and limited hot-wallet balances. It says it does not lend customer Bitcoin to generate interest. No quantified, customer-specific Bitcoin insurance entitlement was established from the inspected security materials.[32]

The euro account has a different protection structure. Bitstack says Xpollens safeguards the money at BPCE and describes FGDR protection up to €100,000 if that deposit-taking bank fails. Safeguarding addresses separation from Xpollens’s own funds; this statement is not a Bitcoin loss guarantee or proof of protection against every account fraud.[35]

The app-availability guide lists Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Portugal, Spain and Switzerland. It excludes the UK and notes that the Swiss Android Play Store distribution is unavailable. Store availability alone does not confirm approval for each financial product.[6]

The compliance guide separately states an EU/EEA residency requirement, which does not fully reconcile with Monaco and Switzerland in the availability list. Applicants in those locations need confirmation of their actual service eligibility. The cash-account opening guide is explicit: it is currently limited to French residents.[15][25]

Use the in-app chat, or [email protected] when access is lost. Published hours are Monday–Friday 08:00–22:00 and weekends 09:00–20:00, labelled CET by the guide. The service uses automated assistance with human escalation and does not provide telephone support. No separate emergency trade-execution desk was established.[9]

For a delayed Bitcoin withdrawal, inspect Activity for the transaction identifier and its explorer link. Bitstack treats two confirmations as final in this guide; if no identifier appears after 24 hours, it directs the user to support. A missing identifier and a broadcast transaction awaiting confirmation are different stages of the process.[24]

The AMF entry identifies BITSTACK DIGITAL ASSETS SAS, RCS 899 125 090, under CASP licence A2025-003 granted on 30 June 2025. Its five listed services cover custody, fiat/crypto and crypto/crypto exchange, execution and transfers. The register’s grant date is used here rather than the 2 July date appearing in some company documents.[5]

The ESMA register retrieved for this review also lists the entity and those five services, without an authorisation-end date. Its cross-border entries describe regulatory scope; they are not a promise that every app feature or payment account is available in every listed country.[38]

Alexandre Roubaud’s March update describes the business he co-founded with Kabir and reports a US$15 million December 2025 financing round. Its card beta numbers and shareholder campaign describe that earlier stage; they should not replace the current account-opening and pricing guides.[2]

Operator

BITSTACK DIGITAL ASSETS SAS

Exchange model

Centralised

Service scope

Bitcoin purchases, sales, recurring saving and transfers.

Client types

Retail clients

Pricing publication

Public pricing

Covered jurisdictions

France

Pricing scope

Standard volume tiers or a paid Plus plan; spread and payment charges also apply.

Funding scope

EUR bank and card funding; Bitcoin mainnet.

Custody and asset handling

Custodial Bitcoin account with external-wallet withdrawals.

Client eligibility

Verified adults in supported countries; cash account currently France-only.

Support

In-app chat and email, with published daily support hours.

Authorisation and registration scope

French AMF CASP licence A2025-003.

Exchange metadata checked 20 Oct 2026Source 1Source 5Source 17

Standard earns 0.1% on eligible settled card spending, increasing to 1% within the allowance; Plus uses 0.15% and 1.5%. After the allowance, the base rate resumes. Rewards are Bitcoin, with a one-satoshi minimum. Cash, transfers, account funding, gambling, financial payments, taxes and securities purchases are excluded. Initial-card qualification uses a separate introductory rule.[29]

Illustration: €150 of qualifying prior-month saving gives €350 of enhanced-rate spending. On €1,050 of eligible purchases, the theoretical reward is €4.20 on Standard or €6.30 on Plus, before Bitcoin conversion and transaction rounding.[29]

Referral rewards require signup through the unique link, verification, €100 of Bitcoin saved within 30 days and an active recurring or round-up plan. The friend receives €5 in Bitcoin; the referrer receives a random €10–€200, with up to 50 referrals per calendar year. Fraud, duplicate accounts and prohibited paid promotion can disqualify rewards. Once validated, stopping the plan does not claw back the reward. The public guide does not give the probability of each prize.[16]

The terms also describe Boost: a separate Spiko Finance fund investment accessed through an eligible cash account, with a €1 minimum and additional onboarding. Returns vary through fund value; capital can fall and FGDR does not cover the investment. A current rate and complete in-app availability were not established. The same terms list two additional Smart profiles, +50% and +100%, beyond the help guide’s three; availability should be checked in the app.[3]

The saving controls examined are user-configured schedules and price rules. The reviewed product, execution and help documentation did not establish an AI investment mandate, copy-trading service or a public customer API permission matrix. Disconnecting a bank-data connection does not itself document cancellation of separately configured recurring purchases. Use each plan’s own stop control.[19][40]