New: Bandec Metal now with 3% cashback on all spending — Get yours →
New Bandec Metal · 3% cashback + travel insurance

Private banking for
the digital era.
Now with crypto.

One licensed account for multi-currency, crypto custody, investing and premium cards. Move money globally, grow wealth intelligently, and enjoy concierge-grade support — all from a single app.

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★★★★★
4.9 rating from 47,320 clients across 42 countries
EUR / USD
1.0847 ↑ 0.24%
BTC · Custody
$67,290 ↑ 2.1%
Portfolio YTD
+18.4% ↑
Good morning
Marcus Bertolini
MB
Total balance
€128,449.60
+ €2,148.30 · this month
Send
Receive
Swap
Invest
RecentSee all
BTC Purchase
Today · 10:24
−€2,500
Salary · Deloitte SA
Yesterday
+€8,240
Apple · Subscription
Yesterday
−€24.99
As mentioned in
FORBES The Financial Times Bloomberg Business Insider TechCrunch The Economist WIRED
Products

One account. Every financial tool
you'll ever need.

From daily banking to institutional-grade crypto custody, everything is unified in one licensed platform — no third-party apps, no hidden intermediaries.

Crypto custody with bank-grade security.

Buy, sell and hold Bitcoin, Ethereum and 60+ other assets — insured, audited and MiCA-compliant. Your keys, your coins, our infrastructure.

Multi-currency IBAN

Hold 30+ currencies. Get a European IBAN, US routing number and UK sort code — all in one account.

Instant transfers

SEPA Instant in under 10 seconds. SWIFT delivered same-day at interbank rates.

Investing, simplified.

Stocks, ETFs and thematic portfolios — from $1. No commission, no minimums.

+18.4%
YTD portfolio

Insured deposits

Up to €200k protected by EU deposit guarantee schemes.

Metal card, unlimited perks.

3% cashback on all spending, unlimited FX conversions, worldwide travel insurance and airport lounge access in 1,300+ cities.

2.4M+
Active clients across 42 countries
€8.2B
Assets under management
99.99%
Platform uptime, past 12 months
4.9/5
Average rating across App Store & Play
Crypto

Own crypto without the chaos.

Trade Bitcoin, Ethereum and 60+ leading assets straight from your Bandec account. Institutional custody, cold storage, and a security posture built for the next decade.

  • MiCA-regulated custody in EU jurisdictions
  • Cold storage with multi-signature architecture
  • Instant conversion between fiat and crypto
  • Full tax reporting exportable to your accountant
Explore crypto
Crypto trading
MiCA licensed · CASP Certified Fully regulated across the European Union
Wealth

Build wealth on autopilot.

Choose from expert-curated portfolios, thematic ETFs or build your own from thousands of stocks — all with zero-commission trading and fractional shares from $1.

  • Zero-commission trading on all stocks and ETFs
  • Automated recurring investing from any amount
  • Dividend reinvestment and tax-loss harvesting
  • Direct access to US, EU and UK markets
Start investing
Investment analytics
Zero commissions · Real-time execution Best-in-class routing across 15 exchanges
Bandec Metal

A card that pays you back.

Real 316-grade stainless steel. Real 3% cashback on every purchase. Real global concierge service — because your money should work as hard as you do.

  • 3% cashback on all spending, paid weekly
  • Unlimited fee-free FX in 180+ countries
  • Comprehensive travel & medical insurance
  • Priority Pass access to 1,300+ VIP lounges
Order Metal · €16.99/mo
Metal card
3% cashback · Weekly payouts Instantly credited to your main account
Pricing

Straightforward plans.
No hidden fees.

Pick the plan that fits your life. Upgrade or downgrade any time — no penalties, no lock-ins.

Features
Standard
Premium
Metal
Monthly fee
Free
€9.99
€16.99
Fee-free FX (monthly)
€1,000
€10,000
Unlimited
Free ATM withdrawals
€200/mo
€400/mo
€800/mo
Cashback rewards
—
✓ 1%
✓ 3%
Priority Pass lounges
—
—
✓ Unlimited
Travel & medical insurance
—
✓ Basic
✓ Premium
Crypto trading
✓
✓
✓
Dedicated relationship manager
—
—
✓
World network
Global

Bank without borders.

Send, receive, and spend in 42 countries with local IBANs, routing numbers and sort codes. One account, worldwide.

🇩🇪 Germany · SEPA IBAN
🇺🇸 United States · ACH/Wire
🇬🇧 United Kingdom · Faster Payments
🇨🇭 Switzerland · SIC
🇸🇬 Singapore · FAST
🇦🇪 UAE · IBAN + Wire
Loved by clients

The most trusted name
in digital private banking.

★★★★★

"Bandec replaced three separate apps for me — my daily bank, my brokerage, and my crypto exchange. The Metal card alone pays for itself twice over in cashback."

Isabella Fontana
Managing Partner · Milan
★★★★★

"Instant SEPA transfers to 14 currencies. Rates match Wise. Support answered in 40 seconds at 2am. Absolutely elite."

Marcus Bergström
Founder · Stockholm
★★★★★

"Finally a bank that treats crypto as first-class. Buy, hold, and spend without ever leaving the app."

David Klein
Software Engineer · Berlin
★★★★★

"The onboarding was under 5 minutes. Verified, funded, and moving money the same afternoon. Unreal experience."

Sofia Nikolaou
Consultant · Athens
★★★★★

"Metal card + Priority Pass = travel game-changer. Insurance saved me €4k last winter in Sapporo."

Thomas Ashcroft
Product Lead · London
Security

Bank-grade security. Zero compromise.

Your money and data are protected by the same infrastructure trusted by global tier-1 banks.

  • Biometric authentication

    Face ID, fingerprint and hardware security keys. No passwords to leak.

  • End-to-end encryption

    Every request encrypted with TLS 1.3 and AES-256. Zero-knowledge architecture.

  • 24/7 fraud monitoring

    ML models scan every transaction in real-time to detect anomalies before they hurt.

  • Segregated custody

    Client funds held separately from corporate assets in tier-1 European custodians.

EU Deposit Guarantee
up to €200,000
PCI DSS Level 1
certified since 2019
ISO 27001
audited annually
MiCA Compliant
CASP licensed
SOC 2 Type II
continuous compliance
GDPR
full data sovereignty
FAQ

Questions, answered.

Can't find what you're looking for? Our team responds in under 60 seconds, 24/7.

Contact support
How long does account opening take?+
Under 5 minutes from your phone. All you need is a government-issued ID and a selfie for biometric verification. Your virtual card activates instantly, and the physical card ships within 3 business days.
Is Bandec a real bank?+
Yes. Bandec operates under a full European banking license and is regulated by EU financial authorities. Deposits are protected under the EU Deposit Guarantee Scheme up to €200,000 per client.
How is my crypto held?+
All crypto assets are stored in institutional-grade cold storage with multi-signature architecture, held by tier-1 licensed custodians. Bandec is MiCA-compliant and holds a Crypto-Asset Service Provider (CASP) license.
Are there hidden fees?+
No. All fees are transparently listed in your account. We do not charge margin on FX conversions, and there are no monthly or maintenance fees on the Standard plan — ever.
Can I use Bandec while traveling?+
Yes, in 180+ countries. Premium and Metal plans include fee-free FX up to €10,000/month and unlimited respectively, plus international travel insurance and Priority Pass lounge access with Metal.
What if I want to close my account?+
You can close your account any time from the app, with no fees or penalties. Funds are transferred to your linked external account within one business day.
Get started

Your money. Reimagined.

Open a Bandec account in 5 minutes. Free forever on our Standard plan — no card required.

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Fully licensed · Insured deposits · Zero hidden fees