Coinhouse exchange profile

Coinhouse combines euro-funded crypto purchases, sales and conversions with custodial accounts and optional investment services. Its French homepage reports more than 800,000 individual and business investors supported since 2014. This is a cumulative company claim; it does not measure people trading in a recent month. The site offers assets including bitcoin, ether, SOL and euro- or dollar-linked tokens, but trading eligibility is broader than the external-transfer list.[1]

A separate September 2026 company announcement claims more than 100,000 active accounts, without defining the activity period. No comparable independently verified exchange-turnover series was established for this profile. Coinhouse is consequently described here as a sizeable European crypto dealer and custodian, rather than assigned an invented global volume rank.[32]

Recurring-purchase terms permit one schedule per asset and authorise future purchases at the price and charges then applicable. Changing the amount, frequency, asset or payment method requires cancelling and recreating the instruction under those terms. Insufficient funds defer a purchase to the next cycle; an expired card or blocked Euro Account can cancel the schedule. Closing the browser does not revoke that continuing authorisation. Completed purchases remain completed when a schedule is stopped.[5]

The execution policy accommodates specific durable instructions, including price limits. A self-service central order book, retail API and particular stop-order menu were not established.[2]

For a hypothetical full year, Investor’s annual commitment is 12 × €9.90 = €118.80. Twelve separate €29 monthly payments total €348: a €229.20 difference in subscription expenditure. The annual choice creates a longer commitment; this calculation makes no assumption about trading savings or investment returns.[7]

Example: a hypothetical €1,000 individual Euro Account purchase commission basis gives 0.99% + €0.12 = €10.02, excluding spread and subscription.[6]

Subscription terms provide automatic renewal for the same commitment period. Cancellation through the account or a written request takes effect at the commitment’s end; closing the trading account does not create a pro-rata subscription refund. Unpaid subscription charges can restrict the account. The monthly billing equivalent of an annual plan should therefore not be read as a right to leave after one month.[8]

The Euro Account gives eligible customers a personal French IBAN. Activation requires a transfer of at least €1 from a bank account in the same name; the first receipt can trigger a review described as normally taking 24–72 hours. The inspected activation guide addresses French residents, so the availability of this facility should be confirmed separately from eligibility for the crypto account.[9]

Generate the current deposit address for each incoming transfer rather than assuming a previous address remains suitable. Withdrawals require confirmation on a trusted device. The transfer guide allows account-specific fraud restrictions and technical, network or risk-review delays; normally automatic processing is not a fixed completion guarantee.[10]

Sale proceeds go to the Euro Account or the customer’s designated bank. September terms allow up to seven business days for the bank route, with technical, force-majeure and incomplete-information exceptions. Selling crypto and recovering cash are separate steps.[11]

The Euro Account has its own contract with Coinhouse Payment Solutions. It requires an eligible adult with a validated crypto account; closing the payment account does not automatically establish closure of every crypto service. Card purchases are a route for buying crypto and should not be confused with an unrestricted card-funded cash balance.[29][3]

Coinhouse’s help centre refers to MMA operational insurance, but the inspected material does not establish the current policy limit, exclusions, deductible or an individual customer’s entitlement. It is insufficient to describe each customer’s portfolio as fully insured. The AMF separately explains that the French deposit guarantee fund does not cover crypto assets lost when a platform fails.[13][14]

Reinstalling the application or changing security details can require renewed device enrolment. The inspected recovery instructions do not establish one universal withdrawal hold duration after every security change. Restoring access and clearing any separate transaction review are different events.[17]

The September privacy policy describes automated compliance decisions and profiling during the relationship. It provides for human review where an automated decision materially affects the customer. This is a compliance mechanism; it does not establish an AI agent authorised to choose investments or trade the account.[20]

Twelve months without a login can trigger account restriction or closure under September terms. That condition is distinct from a recurring dormant-account fee, not identified in the ordinary tariff. The general fifteen-calendar-day termination notice has exceptions; it is not guaranteed before every restriction.[11]

The execution policy provides for operational notices during disruption. A guaranteed emergency telephone dealing service at the last displayed price was not established. Support can investigate; reopening the screen does not confirm execution.[2]

AMF mediation is an amicable process rather than a guaranteed damages award. The official request route is the AMF’s online mediation form or the Médiateur de l’AMF, 17 place de la Bourse, 75002 Paris. Its own prerequisite and deadline guidance is used here rather than extending the waiting period merely because a firm has already replied.[23]

Keep both the trading export and the payment statements when reconciling purchases, sales and funding. Their availability does not mean Coinhouse has filed a customer’s tax return or reconciled transfers made through unrelated wallets.[25][26]

September terms separately cite payment-institution number 17998 for certain electronic-money-token transfers. This was not independently matched to a current ACPR register entry and is not recorded as a verified permission. It differs from the subsidiary’s agent number.[11]

The AMF explains that the French transition for legacy PSAN registrations ended on 1 July 2026. Coinhouse’s current CASP authorisation is therefore the relevant verified crypto-service status. Authorisation defines the permitted services; it does not certify an investment’s value, provide a universal capital guarantee or automatically establish availability in every country.[14]

The business began in 2014 as La Maison du Bitcoin. Its own history records the move to the Coinhouse name and independence from Ledger in 2018. These are part of one continuing brand history for coverage purposes, not additional exchange profiles. The history also discusses a separate custody company; that historical reference should not replace the contracting party named in current retail terms.[30]

The legal notice places Coinhouse SAS at 14 avenue de l’Opéra in Paris and identifies Nicolas Louvet as president. Its capital is stated as €210,000. Those corporate details are distinct from customer assets and do not measure the resources available to meet every customer claim.[28]

On 27 August 2026, Coinhouse announced that it had taken over Tilvest’s activities and teams, extending discretionary crypto portfolio management and distribution through wealth advisers. The announcement described approximately 500 adviser partners. It does not establish that an existing self-directed account automatically became a managed portfolio or that ordinary app use grants an adviser continuing trading authority.[31]

September’s Spiko integration adds access from €1 to treasury-fund products, including a euro fund managed by Amundi and euro- and dollar-denominated Treasury-bill funds managed by Twenty First Capital. Returns vary and capital can fall. These fund units are separate from a euro cash balance, a stablecoin and a staked token.[32]

General terms allocate fund execution and the unit-holder relationship to Spiko. Coinhouse supplies technical access without holding the units. The fund documents, currency and redemption mechanics govern those investments separately from crypto dealing.[11]

Operator

Coinhouse SAS

Exchange model

Centralised

Service scope

Quoted crypto dealing, custody and optional recurring or managed services.

Client types

Retail clients; Professional clients; Institutional clients

Pricing publication

Public pricing

Other names

La Maison du Bitcoin

Headquarters

Paris, France

Covered jurisdictions

France

Pricing scope

Published transaction, subscription and transfer charges.

Funding scope

Euro bank or eligible card purchases; restricted crypto transfer networks.

Custody and asset handling

Coinhouse holds private keys and internal client ownership records.

Client eligibility

Verified eligible individuals and European businesses; payment-account availability is separately scoped.

Support

Email, telephone and written complaints; eligible AMF mediation.

Authorisation and registration scope

Coinhouse SAS holds AMF MiCA CASP authorisation A2026-013.

Exchange metadata checked 20 Oct 2026Source 1Source 27Source 12Source 28

Staking is an explicit additional instruction with provider and blockchain exposure. The terms describe Coinhouse charges averaging 0–2% of the amount staked, but do not make that an immutable rate for every asset or option. Consult the specific displayed net reward and exit period; a headline annual percentage is not a guaranteed euro return.[33]

Recurring purchases, a discretionary mandate and an AI trading agent confer different authority. The documented recurring service continues until its schedule is cancelled; Tilvest’s managed service requires its own mandate. No customer-facing AI trading authority or retail API permission matrix was established from the inspected service materials. Logging out is not a reliable way to revoke a previously accepted continuing instruction.[5][31]