21bitcoin is a European Bitcoin-only platform, licensed as a Crypto Asset Service Provider under MiCAR by Austria's Finanzmarktaufsicht (FMA).
Does 21bitcoin have a MiCA licence?
✓ Authorised · MiCA CASPYes. 21bitcoin (legal entity FIOR Digital GmbH) holds a MiCA crypto-asset service provider (CASP) authorisation — regulated by Financial Market Authority (FMA) in Austria, listed in the official ESMA register. Through MiCA passporting it may legally serve clients across the EU/EEA (30 countries).
Licensed crypto services (3)
Where you can use 21bitcoin · EU/EEA passporting (30)
A MiCA authorisation passports across the whole EU/EEA, so 21bitcoin may legally serve clients in:
21bitcoin is still building its public rating profile. Recent media coverage is largely positive, led by "21bitcoin expands into new markets with local licences".
In the media
Sample21bitcoin expands into new markets with local licences
The Verge · 2d ago
The fintech confirmed it has secured regulatory approval to operate in additional countries, deepening its European and global footprint.
21bitcoin partners on new payments feature
Reuters · 2w ago
21bitcoin announced a partnership to broaden its payments capabilities, as competition among neobanks intensifies.
21bitcoin reports strong customer growth as revenue climbs
Financial Times · 3w ago
21bitcoin said active customers rose sharply over the past year, with the company pointing to new markets and product launches as key drivers.
Regulators scrutinise 21bitcoin over compliance controls
Sifted · 4w ago
Authorities are reviewing 21bitcoin's anti-fraud and onboarding processes, part of broader oversight of fast-growing digital banks.
21bitcoin launches new premium plan and rewards
Financial Times · 4w ago
21bitcoin unveiled an updated subscription tier, adding perks aimed at frequent travellers and higher-balance customers.
Latest from social
SampleProud to share that 21bitcoin has been recognised for product innovation this year. This is just the beginning.
Travelling this summer? Spend abroad with no hidden fees and real exchange rates.
Behind every feature is a team obsessed with the details. A look at how 21bitcoin ships.
New in the 21bitcoin app: a faster, cleaner way to manage your money. Update to the latest version to try it.
What people are saying
SampleSwitched to 21bitcoin and honestly not looking back. The fee transparency alone is worth it.
Mixed feelings on 21bitcoin lately — love the product, but the latest update changed a flow I relied on.
If you're comparing neobanks in 2026, 21bitcoin keeps coming up in every conversation I have.
If you're comparing neobanks in 2026, 21bitcoin keeps coming up in every conversation I have.
Mixed feelings on 21bitcoin lately — love the product, but the latest update changed a flow I relied on.
Company
About 21bitcoin
21bitcoin is a Bitcoin-focused investment platform based in Europe offering instant SEPA deposits, savings plans, limit orders and secure BTC custody. It is regulated as a Crypto Asset Service Provider under MiCAR by the Austrian Financial Market Authority (FMA) and works with VR Bank Bayern Mitte, a German cooperative bank that is also a shareholder. The company focuses exclusively on Bitcoin, offering education alongside its products.
Frequently asked questions
Does 21bitcoin have a MiCA licence?
Yes. 21bitcoin (legal entity FIOR Digital GmbH) holds a MiCA crypto-asset service provider (CASP) authorisation, regulated by Financial Market Authority (FMA) in Austria and listed in the official ESMA register.
Who regulates 21bitcoin in the EU?
21bitcoin's EU activity is authorised and supervised by Financial Market Authority (FMA), its home national competent authority under MiCA.
Which crypto services is 21bitcoin licensed for?
Under MiCA, 21bitcoin is authorised for: Custody & administration of crypto-assets, Exchange of crypto-assets for funds, Transfer services for crypto-assets.
In which countries can I legally use 21bitcoin?
A MiCA authorisation passports across the whole EU/EEA, so 21bitcoin may legally serve clients in all 30 EU/EEA member states.
Is 21bitcoin in the ESMA register?
Yes. FIOR Digital GmbH appears in ESMA's official register of authorised MiCA crypto-asset service providers, recorded under Financial Market Authority (FMA).
Is a MiCA licence the same as a CASP licence?
Yes. MiCA (MiCAR) is the EU regulation; a CASP (crypto-asset service provider) is a firm it licenses. "MiCA register", "CASP register" and "ESMA register" all refer to the same official list.
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.