Europe’s Second Neobank Opens The Door To Crypto For Everyone

On Monday, April 29, some people must have spit out their espresso. The neobank Bunq, known for its flashy colors and nomadic expat clientele, just made a splashy entry into the crypto world. The timing is spot-on: according to an in-house study, 65 % of Europeans want a single app to manage banking, savings, and crypto. With Kraken as a built-in option, Bunq might well become the long-awaited super app.

Bunq Crypto, the missing tool in the arsenal

An account in five minutes, 300 cryptos available, bank-grade security, and a polished interface: Bunq made a strong move. At a time when users are fed up with juggling apps, wallets, and sketchy bitcoin exchanges, Bunq offers a one-stop shop for everything.

Our users had long been waiting for a simple, secure, and transparent way to invest in digital assets.

Ali Niknam, CEO of Bunq

As of April 29, customers in six European countries (France, Belgium, Spain, Ireland, Italy, Netherlands) have had access to this new feature, with plans to expand across the European Economic Area, the United States, and the United Kingdom.

While some competitors are still tinkering, Bunq relies on Kraken, one of the crypto sector’s heavyweights, to ensure reliable transactions. A partnership that brings both security and reassurance, just as crypto regulation is becoming more transparent.

“We now feel confident enough to offer this to the public,” says Niknam. So there are no more excuses not to jump into Bitcoin or Ether.

A well-executed offensive backed by economic success

Bunq isn’t playing the crypto card on a whim. The neobank is riding two consecutive years of profit, posting a net income of €85.3 million in 2024 (+65%). Even better, it now boasts 17 million users across Europe, a figure driven by a strategy clearly tailored for digital nomads and banking globetrotters.

Its partnership with Kraken is just the beginning. At the same time, Bunq has applied for a broker-dealer license in the United States — the first step in a two-phase strategy. The idea? Start by offering stock and Bitcoin ETF investments to Americans, then secure a full banking license by the end of 2025.

And it doesn’t stop there. The Bunq mobile app now also features bunq Deals, Pocket Money, eSIM, cashback on both personal and business expenses… The toolkit is becoming formidable. As a true conductor, Ali Niknam sums it up:

Our users live international lives; they need a global bank.

Crypto in all this? A central piece in a strategy where user experience comes first.

The “all-in-one” bet is already catching the competition’s eye

Bunq is stepping forward openly, partly because the timing is right. Integrating crypto into banking services is no longer a pipe dream. Revolut made its move back in late 2024. But Bunq takes the concept further: everything is designed to make access to this still-murky universe as simple as possible. One number says it all: over 50% of Europeans interested in crypto find existing platforms too complicated.

By allowing users to buy BTC or SOL without leaving their banking app, Bunq is betting on the trust effect. Regulation becomes an ally, not a barrier. More importantly, this offer comes just as Kraken, its partner, is also preparing to go public in 2026. A winning double strategy?

From the user side, the idea of a unified platform is appealing. Combining services — banking, savings, investing, crypto — fits a logic of optimizing time, energy… and profitability. Bunq aims to seize this momentum. All wrapped in a colorful, fluid, intuitive interface. A bank without a counter, but not without vision.

With its “crypto at the swipe of a finger” solution, Bunq isn’t just following the trend — it’s embedding it into its DNA. But to set this new standard, it will have to break through a symbolic barrier: long-term trust, much like some users have built with bitcoin. The next challenge? The public’s natural resistance to banking innovations, and that 65% figure mentioned this weekend, which still needs to turn into real adoption.