How to Buy Crypto with La Banque Postale
- France’s national PSAN crypto registration expired on July 1, 2026, replaced entirely by MiCA CASP authorization.
- Platforms still operating without CASP authorization now face criminal penalties in France, up to two years in prison and a €30,000 fine.
- La Banque Postale still doesn’t offer crypto directly, so buying crypto still means transferring euros to an outside exchange like eToro.
The regulatory term this guide used to lean on doesn’t exist anymore in any meaningful sense. PSAN, the French national registration that crypto platforms held under the 2019 PACTE law, stopped being a valid basis for operating on July 1, 2026.
The AMF now recognizes only full MiCA CASP authorization, and any platform still trading on old PSAN status after that date is, per the AMF’s own warning, expected to wind down its French operations or face real penalties, up to two years in prison and a €30,000 fine under the Monetary and Financial Code.
Can You Buy Crypto Through La Banque Postale?
Not directly. La Banque Postale doesn’t offer crypto trading itself. Customers transfer euros to a separately regulated exchange, and the bank places no special restriction on that transfer.
Step-by-Step Guide on How to Buy Crypto with La Banque Postale
Register on eToro.
Sign up on eToro’s site and complete the account creation process.
Complete identity verification.
eToro requires you to provide a government-issued ID and show proof of address for KYC purposes.
Deposit euros from La Banque Postale.
Use a SEPA transfer or a card payment linked to your La Banque Postale account. It’s worth comparing current sign-up offers before funding an account for the first time.
Confirm funds have cleared.
SEPA transfers typically settle within one business day.
Buy the asset.
Search for the crypto coin, enter an amount, and confirm.
Is eToro Actually Authorized Under the New Rules?
Yes. eToro’s European entity holds full MiCA CASP authorization from Cyprus’s CySEC, granted in February 2025, well ahead of France’s July 2026 deadline. That authorization passports across the EU and EEA, France included, and is checkable directly on ESMA’s public CASP register.
About La Banque Postale
La Banque Postale is a major French retail bank built on the postal network’s financial services history, offering checking accounts, savings products and consumer loans to millions of customers across France. It remains one of the country’s larger retail banking groups, with a mobile banking presence alongside its traditional branch network.
Conclusion
The mechanics of buying crypto with a La Banque Postale account haven’t changed, fund an outside exchange, same as before. What changed is the checklist for picking that exchange. PSAN status is no longer a valid credential, and confirming full MiCA CASP authorization is now the only way to know a platform is actually operating within French law.
FAQs
Can I buy crypto directly through La Banque Postale?
No. La Banque Postale doesn’t sell crypto directly. You can transfer euros to a regulated exchange like eToro to buy crypto there.
What happened to France’s PSAN registration?
It expired as a valid basis for operating on July 1, 2026. Platforms now need full MiCA CASP authorization, and the AMF has said unauthorized providers must wind down their French operations.
What happens if an exchange keeps operating without CASP authorization?
Under French law, unauthorized providers face penalties including up to two years in prison and a €30,000 fine. That is alongside AMF enforcement action.
Does La Banque Postale partner with any crypto exchange?
No. It has no formal partnership with any platform. It permits euro transfers to regulated exchanges without blocking them.
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