Deblock review: a crypto account from France, but is it a bank?

Deblock is a French account with a Visa card and a crypto wallet whose keys you hold, and legally it is an electronic money institution, not a bank. The supervisor ACPR lists it under code 17748, and the AMF authorised it as a crypto-asset service provider under MiCA on May 23, 2025. According to its pricing page (as of November 4, 2026), buying crypto costs 1.99 percent on the free plan and 0.49 percent on the Premium subscription. At €100 a month, that comes to €23.88 a year versus €125.88 including the subscription. For this guide we analysed the pricing page, the supervisory registers and user ratings. Our Bitcoin savings plan comparison covers pure savings plans.

Deblock at a glance: the key figures

• The AMF lists Deblock SAS under number A2025-001, authorised on May 23, 2025.
• The Standard plan is free; Premium costs €10 a month when paid annually, otherwise €14.99 (as of November 4, 2026).
• Buying, selling and swapping crypto costs 1.99 percent on Standard and 0.49 percent on Premium (as of November 4, 2026).
• According to the app description, Deblock pays 2 percent interest on euro balances, 4 percent with a subscription, a variable gross rate dated April 1, 2026.
• According to the app description, more than 200 crypto assets on 10 blockchains are available (as of November 4, 2026).
• In the French App Store, Deblock is rated 4.7 out of 5 stars from 30,855 ratings (as of November 4, 2026).

What is Deblock? Account, Visa card and self-custody wallet

Deblock combines an everyday account with an IBAN, salary deposits and SEPA instant transfers with a crypto wallet. The app is run by Deblock SAS, based in Lille. There is a dedicated website for Germany, and ESMA's MiCA register lists the country among the states where the authorisation applies.

The difference from most crypto apps lies in custody. According to the app description, Deblock can neither freeze nor move your coins, and the recovery phrase can be exported to another wallet at any time. That also makes you responsible for the phrase. On top come swaps between coins, including across blockchains, rounding up card payments into Bitcoin, and physical precious metals from €1.

Is Deblock a bank? An e-money institution with a MiCA licence

Not in the legal sense. According to its legal notice, Deblock is authorised by the French supervisor ACPR as an electronic money institution, code 17748. Such institutions must segregate or safeguard their customers' funds, as the joint information service of the supervisor and the Banque de France explains. Deblock itself speaks of segregated euro holdings.

For the crypto side, Deblock SAS appears on the AMF list under number A2025-001 of May 23, 2025, with three services: exchange for funds, exchange for other crypto assets and execution of orders. Custody is not on the list, in line with the self-custody model (as of November 4, 2026).

Deblock fees: Standard and Premium compared

The pricing page and the fee schedule (valid from October 13, 2026) give these figures (as of November 4, 2026). SEPA transfers, instant transfers and Apple Pay or Google Pay are free on both plans.

The pricing page also lists converting part of your salary into crypto as free. Deblock states the interest rates in the app description and on its homepage. The fee schedule lists Native as a third plan: free if you have held a Deblock NFT in your wallet for at least 30 days, and with no fee on buying, selling and swapping crypto.

Deblock costs worked out: €100 a month in crypto

The calculation assumes twelve purchases of €100 each, €1,200 a year in total, at the rates of November 4, 2026. It counts the stated fees and the subscription.

On purchases alone, Premium pays off only late. The gap of 1.50 percentage points has to recoup €120 of subscription, which happens from €8,000 of annual purchases, or about €667 a month.

The picture changes if you hold a balance permanently. At today's rates, Standard and Premium differ by 2 percentage points of interest. To offset the €102 gap from the table, you need an average balance of about €5,100 over the year. The rates are variable, so the calculation only holds at today's levels and before tax.

Deblock interest: what is behind the 4 percent

The French homepage advertises 4 percent on the account, uncapped, paid daily and guaranteed until at least 2027. The footnote on the same page cites a variable gross rate dated April 1, 2026 for customers on the Premium and Natif plans. The app description cites 2 percent without a subscription and, for vaults, up to 5 percent in euros and 8 percent in dollars, also variable (as of November 4, 2026).

Worth knowing: the footnote also says that access to decentralised finance services does not fall under the MiCA regulation and runs through Techblock Ltd. The AMF authorisation mentioned above therefore does not cover this part. If the website and the contract documents differ, the legal notice says the contract documents prevail, so read them before using the service.

Deblock reviews from other users: high marks across all sources

The ratings sit close together (as of November 4, 2026):

The most recent comments are positive too. The 100 newest written reviews in the French App Store date from the eight days between October 26 and November 2, 2026 and average 4.8 stars: 92 with five stars, 4 with one. 33 comments praise the ease of use. Fees come up three times, customer service four times.

Who Deblock suits: an everyday account with your own crypto wallet

Deblock suits users who want their account, card and coins in one place and prefer to hold the keys themselves. The euro side is free, and so are transfers. If you swap often or hold a large balance, the Premium subscription offers the lower rate and more cards.

For a pure Bitcoin savings plan of €100 a month, the figures below show cheaper routes. If you would rather not keep your phrase yourself, a custodial provider is a better fit. Our overview of crypto credit cards compares cards linked to crypto.

Deblock alternatives: Bitstack, SwissBorg and regulated exchanges

The same calculation over twelve €100 purchases gives different results for the two French-licensed competitors. The table shows the stated fees according to Bitstack's subscription page (as of November 4, 2026) and SwissBorg's pricing policy (as of October 8, 2026), each on the free plan and excluding spreads.

If you prefer a traditional exchange, take a look at Kraken or Coinbase. Our comparison of regulated crypto exchanges shows further exchanges with an EU licence.

For tax in Germany, the purchase date and holding period of each purchase count, and even a swap between coins can be treated as a sale. Our crypto tax calculator works out what is due. This section is not tax advice.

Deblock verdict: Standard is enough up to about €667 a month in purchases

Deblock offers a free everyday account with a card and a wallet whose keys stay with you, supervised by the ACPR and the AMF. For buying crypto, the Standard plan at 1.99 percent is more expensive than pure savings apps; the Premium subscription lowers the rate to 0.49 percent and pays off on purchases alone only from about €667 a month. According to the footnote, the 4 percent rate is variable and gross, and MiCA does not govern the access to decentralised finance services that the same footnote mentions.

Crypto assets are highly volatile, and a total loss of your stake is possible. This guide is neither investment advice nor a recommendation to buy.

(As of November 4, 2026. This article is not investment advice. Prices and fee structures change; check the terms with the provider before you buy.)