TLDR
BPCEs retail banks in France and GoTyme Bank in the Philippines currently let customers buy Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) inside their banking apps, per recent launches (BPCE rollout, GoTyme announcement).
- BPCE enables BTC, ETH, SOL, and USDC trading via Banque Populaire and Caisse dpargne apps, expanding from 2 million toward 12 million clients by 2026 (CoinDesk).
- GoTyme Bank added in?app crypto for 6.5 million users, supporting 11 assets including BTC, ETH, and SOL (Yahoo Finance).
- Other European banks offer crypto access (assets vary), with BBVA, Santanders Openbank, and Raiffeisen cited alongside BPCEs move (CoinDesk).
Deep Dive
1. BPCE Launch
BPCE (Frances second?largest banking group) is rolling out crypto trading in its Banque Populaire and Caisse dpargne apps, initially to around 2 million customers, with plans to reach its 12 million retail base in 2026 (CoinDesk). Supported assets are BTC, ETH, SOL, and USDC, held via a dedicated digital asset account managed by Hexarq, with a 2.99 monthly fee and 1.5% trading commission (Yahoo Finance).
BPCEs phased rollout begins with four regional banks and is being monitored for performance before wider expansion. This bank?integrated model removes the need for external exchanges or wallets (Cointelegraph).
Bank?native access reduces friction and consolidates custody in a familiar institution, but fees and asset availability are set by the bank and may differ from crypto?first platforms.
2. GoTyme Bank Access
GoTyme Bank (Philippines) launched in?app crypto trading for its 6.5 million users, offering 11 assets including BTC, ETH, and SOL. The service emphasizes beginner?friendly flows and integrates purchase conversion from PHP to USD (Yahoo Finance).
GoTymes approach targets retail adoption with simple onboarding, while planning regional expansion that could extend access beyond the Philippines, subject to local rules (Yahoo Finance).
For retail users in supported regions, GoTyme provides a straightforward way to hold major crypto assets within a regulated banking app, with trade?offs on fees and feature depth versus specialist exchanges.
3. Wider Context in Europe
BPCEs move sits within a broader European trend of bank?integrated crypto services. BBVA, Santanders Openbank, and Raiffeisen have been cited for offering crypto access, though supported coins vary by institution and may not always include SOL (CoinDesk).
This competition with fintechs (for example Revolut) is pushing traditional banks to expand crypto offerings to retain younger customers (NewsBTC).
Availability depends on your country and bank. If you bank in France or the Philippines, these options are live; elsewhere, check your banks current supported asset list.
Conclusion
If your goal is bank?integrated access to BTC, ETH, and SOL, BPCE (France) and GoTyme Bank (Philippines) currently provide it in their retail apps. The broader European banking landscape is moving toward similar offerings, but supported assets and fees differ by institution. For practical access, confirm your local banks asset list and cost structure, and weigh convenience against platform features and custody preferences.
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