What Is Bitstack?
Bitstack is a regulated mobile application that makes saving Bitcoin as effortless as buying a cup of coffee. Founded in April 2021 by Alexandre Roubaud and Kabir Sethi, the Paris-based fintech company was built around one elegant idea: automate the friction out of Bitcoin investing so that anyone — regardless of financial background or technical knowledge — can accumulate Bitcoin passively over time.
At its core, Bitstack connects to your bank account and rounds up every purchase you make to the nearest euro. That spare change, instead of sitting idle, is automatically converted into Bitcoin and deposited into your in-app wallet. A €2.60 espresso becomes a €3.00 transaction, and the €0.40 difference silently stacks up as Bitcoin. Multiply that across weeks and months of daily spending, and you begin to accumulate a meaningful Bitcoin position without ever thinking about market timing, exchange platforms, or complex trading interfaces.
Since launch, Bitstack has grown into France’s leading Bitcoin savings platform, surpassing 200,000 users as of mid-2025. It has attracted backing from some of the most respected names in European venture capital and is now regulated under the strictest crypto compliance framework in the European Union.
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Who Founded Bitstack and Who Backs It?
Bitstack was co-founded by Alexandre Roubaud and Kabir Sethi, two entrepreneurs who recognized that most Europeans wanted exposure to Bitcoin but found existing platforms too complex, too risky-feeling, or too focused on active trading rather than long-term saving.
The company is headquartered in France and has grown from a small team to over thirty employees as of late 2025, with plans to recruit approximately twenty more in 2026 across compliance, technology, marketing, and customer support.
On the investment side, Bitstack has attracted an exceptional roster of backers. In December 2025, the company closed a $15 million Series A funding round led by 13books Capital. Participating investors include AG2R LA MONDIALE (one of France’s largest institutional insurers), Plug and Play Ventures, Serena, Stillmark, and Y Combinator — the prestigious Silicon Valley accelerator that has backed companies like Airbnb, Stripe, and Dropbox. This level of institutional support is not typical for a crypto startup and is an important signal of Bitstack’s credibility and long-term ambitions.
Michael McFadgen, Co-Founder and Partner at 13books Capital, stated that with this fundraising round, Bitstack enters a new dimension, positioned to cement its status as Europe’s leader in Bitcoin savings by expanding its geographic footprint and enhancing its product suite.
Is Bitstack Regulated? Is It Legitimate?
This is one of the most important questions anyone can ask about a financial platform — and on this point, Bitstack has an exceptionally strong answer.
Bitstack is registered with the Autorité des Marchés Financiers (AMF), France’s financial markets regulator. It holds full approval as a Digital Asset Service Provider (DASP) under MiCA regulation number A2025-003, granted on June 30, 2025. This makes Bitstack one of the very first French companies to obtain this approval, placing it among the pioneers of crypto compliance in Europe.
The MiCA (Markets in Crypto-Assets) regulation is the European Union’s comprehensive regulatory framework for crypto-asset services, applicable since December 30, 2024. It imposes high standards in terms of governance, transparency, security, and anti-money laundering controls. The fact that Bitstack passed this rigorous review — while many larger and more established platforms are still pending or awaiting review — is a meaningful indicator of the company’s compliance infrastructure.
Bitstack is also licensed as an agent of Xpollens, an electronic money institution authorized by the ACPR (France’s banking supervisor, the Autorité de Contrôle Prudentiel et de Résolution). This licensing structure means that Bitstack’s euro-denominated financial activities are governed by the same framework that applies to traditional banks and payment institutions.
To put this plainly: Bitstack is not a scam. It is one of the most thoroughly regulated Bitcoin savings platforms available to European consumers today. Bitstack operates with full legal authorization from France’s two main financial regulators, has passed the EU’s landmark crypto compliance review, and is backed by institutional investors with reputational stakes in the platform’s legitimate operation.
How Does Bitstack Work? A Step-by-Step Breakdown
Step 1: Create Your Account
Getting started takes only a few minutes. You download the Bitstack app (available on both iOS and Android), create an account with your email address, and complete a standard identity verification process as required by KYC (Know Your Customer) regulations.
Step 2: Link Your Bank Account
Bitstack connects to your existing bank account via secure open banking protocols that adhere to the highest banking security standards in France and across Europe. You do not need to transfer funds upfront. Bitstack simply reads your transaction history to calculate roundups and withdraws the accumulated spare change on a weekly basis.
Step 3: Choose Your Savings Method
Bitstack offers three core ways to save in Bitcoin:
Automatic Roundups: Every time you make a purchase, Bitstack rounds the amount up to the nearest euro and saves the difference in Bitcoin. For example, a grocery purchase of €23.70 would be rounded to €24.00, and the €0.30 difference is added to your weekly Bitcoin accumulation. At the end of each week, all the roundups are collected from your bank account in a single withdrawal and converted into Bitcoin for your in-app wallet. You can also activate a multiplier — 2x, 3x, or more — if you want to accelerate your savings beyond standard roundups.
Recurring Buys (DCA): You can schedule automatic Bitcoin purchases — daily, weekly, or monthly — for any amount you choose, starting from as little as €1. This approach mirrors the dollar-cost averaging (DCA) strategy, which involves making regular purchases regardless of the current price. DCA is widely considered one of the most sensible long-term investment strategies because it smooths out the impact of Bitcoin’s price volatility over time.
One-Time Instant Buys: You can also purchase Bitcoin manually at any time with a minimum of €1, paid by card.
Step 4: Watch Your Bitcoin Accumulate
Once your settings are in place, Bitstack handles everything automatically. You receive real-time notifications of transactions and can track your Bitcoin balance, transaction history, and savings progress through the app dashboard at any time.
Step 5: Sell or Withdraw When You’re Ready
You remain in full control of your Bitcoin at all times. You can sell your Bitcoin at any point and have the proceeds transferred to your bank account. You can also transfer Bitcoin to an external wallet — a hardware wallet or a self-custody address — at zero fee (standard speed transfers), though priority and rush transfers carry small additional charges.
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The Bitstack Visa Debit Card and Stackback Program
One of the most significant product developments at Bitstack is the launch of Europe’s first Bitcoin rewards Visa debit card. This card combines everyday banking functionality with automated Bitcoin accumulation in ways that go beyond the app alone.
The card launched in beta on January 13, 2026, initially available to the first 5,000 users on the waitlist, with broader rollout planned throughout 2026.
Real-Time Fee-Free Roundups
Every purchase made with the Bitstack Visa card automatically rounds up to the nearest euro in real time, with no fees applied to the roundup itself. This is an improvement over the app’s standard roundup mechanism, which batches weekly.
Stackback: Up to 1% Bitcoin Cashback
The Stackback program allows users to earn up to 1% back in Bitcoin on all euro spending at any merchant, with no cap on rewards. This is described as a first in Europe for a Bitcoin-focused debit card. Whether you’re paying at a supermarket, a restaurant, or an online retailer, every transaction earns you a percentage of Bitcoin back.
Euro Account with French IBAN
Alongside the card, Bitstack offers a euro account with a French IBAN. This allows users to receive salary payments, bank transfers, or other income directly into their Bitstack account — and optionally convert part or all of it into Bitcoin automatically.
Zero Fees on Bitcoin Transactions via the Card
Bitstack card users benefit from 0% fees on their Bitcoin purchases and sales, making it an especially attractive option for those who trade or rebalance regularly.
Bitstack Pricing and Fees: What Does It Actually Cost?
Bitstack’s fee structure is transparent and competitive, particularly for a platform targeting long-term Bitcoin savers rather than active traders.
Trading Fees (Sliding Scale): Bitstack charges a fee when you buy or sell Bitcoin. The fee starts at 1.49% and decreases based on your trading volume over the previous 30 days. If your purchases and sales exceed €250 in a 30-day window, the fee drops to 0.99%, and it continues decreasing with higher volumes, going as low as 0.49%. There is a minimum fee of €0.29 on card purchases. Notably, the fee reduction is immediate — if a single transaction pushes you to the next tier, the reduced rate applies to that very transaction.
Spread: In addition to the explicit fee, Bitstack may apply a spread on the exchange rate used to price Bitcoin transactions. This spread ranges from 0% to 1% depending on market conditions and is displayed on the trade confirmation screen before any transaction is completed. This is standard practice for consumer-facing crypto platforms.
Withdrawal to External Wallets: Standard Bitcoin transfers to an external wallet are free. Priority transfers (completed within 10 minutes) and Rush transfers (completed within 2 hours) carry small additional fees.
Roundup Fees: The roundup mechanism itself does not carry a separate fee structure beyond the standard Bitcoin purchase fee applied to each weekly collection.
Foreign Currency Spending: With the Bitstack card, you can spend up to €1,000 per month in foreign currencies with no additional exchange fee. Beyond that threshold, an approximately 1% exchange fee applies.
No Monthly Subscription: There is no monthly account fee, no subscription charge, and no hidden costs for maintaining your account. Fees are only charged when transactions occur.
How Does Bitstack Keep Your Bitcoin Safe?
Security is a legitimate concern for any platform that holds digital assets on your behalf. Bitstack addresses this through several layers of protection.
Cold Storage: Bitstack uses a secure cold storage solution to hold customer Bitcoin. Cold storage means the private keys controlling the Bitcoin are kept offline, making them inaccessible to remote hackers. This is the same standard used by major institutional crypto custodians.
Multi-Signature Architecture: Bitstack employs a multi-signature key scheme, which requires multiple independent authorizations before any Bitcoin can be moved. This eliminates single points of failure and makes unauthorized transfers mathematically impractical.
BitGo Custody: For institutional-grade custody, Bitstack uses BitGo Europe GmbH — one of the world’s most respected digital asset custodians, which also provides custody services for major exchanges and institutional funds. BitGo Europe is itself a regulated Digital Asset Service Provider.
Real-Time Transaction Alerts and Fraud Monitoring: The Bitstack Visa card and app both include real-time transaction notifications and fraud detection systems that monitor for unusual activity.
Open Banking Security: The bank account connection uses PSD2-compliant open banking protocols, which means Bitstack can read your transaction data without ever accessing your banking credentials. Your bank login details are never shared with Bitstack.
Regulatory Oversight: As a MiCA-licensed entity under the AMF, Bitstack is subject to ongoing supervisory oversight that requires it to maintain minimum capital reserves, separate customer assets from company assets, and follow strict anti-money laundering procedures.
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What Are Bitstack’s Pros and Cons?
Advantages
Simplicity and Automation: Bitstack removes the decision fatigue from Bitcoin investing. You set your preferences once and the app does the rest. There is no need to monitor prices, choose entry points, or log into an exchange.
Regulatory Confidence: Few crypto platforms in Europe can claim the same regulatory standing as Bitstack. Its MiCA license, AMF registration, and ACPR-licensed payment infrastructure provide genuine peace of mind for users who are cautious about the regulatory risks of crypto platforms.
Backed by Institutional Investors: The involvement of Y Combinator, AG2R LA MONDIALE, and 13books Capital in Bitstack’s funding is a strong signal of the platform’s long-term legitimacy and financial stability.
Low Entry Point: Bitcoin purchases start from €1. Roundups can be as small as a few cents. This makes Bitstack genuinely accessible to people who cannot afford or do not want to commit large sums to Bitcoin.
DCA is Smart Investing: Bitstack’s core mechanism — regular, automated Bitcoin purchases regardless of price — is one of the most evidence-based approaches to long-term crypto investment. By removing the temptation to time the market, users benefit from averaged cost over time.
Visa Card with Stackback: The combination of a Visa debit card, real-time roundups, 0% trading fees, and up to 1% Bitcoin cashback creates an ecosystem where simply living your life generates ongoing Bitcoin accumulation.
Transparency: Fees are shown clearly on confirmation screens before any transaction is completed. There is no fine print hiding unexpected charges.
Human Customer Support: Bitstack offers in-app chat support with a human team, which is not universal in the crypto space.
Limitations
Bitcoin Only: Bitstack does not support other cryptocurrencies. If you are interested in Ethereum, altcoins, or DeFi products, Bitstack is not the platform for you. It is deliberately and exclusively focused on Bitcoin.
Euro Withdrawals Only: Bitcoin sold on Bitstack can only be withdrawn as euros to a bank account. Direct conversion to stablecoins or other crypto assets is not supported.
Geographic Availability: While Bitstack has expanded to a dozen European countries including Germany, Spain, Italy, and the Netherlands, it is not available globally. Users outside Europe cannot currently access the platform.
Card Still Rolling Out: The Bitstack Visa card launched in a limited beta in January 2026. Full availability across all supported countries may take additional time throughout 2026.
Bitcoin Volatility Risk: This is not specific to Bitstack but is inherent to any Bitcoin savings product. Bitcoin’s price can fall substantially, and users who need short-term liquidity may find themselves withdrawing at a loss. Bitstack is best suited to users with a long time horizon.
How Does Bitstack Compare to Its Competitors?
Bitstack operates in a growing European market for retail crypto savings, but its focus and positioning distinguish it clearly from alternatives.
Revolut: Revolut offers crypto buying and selling as one feature within a broad financial super-app. However, it does not offer automatic roundups dedicated to Bitcoin accumulation, nor does it provide a MiCA-licensed, Bitcoin-first savings philosophy. Revolut’s crypto features are supplementary; Bitstack’s entire product is built around Bitcoin.
Bitpanda: Bitpanda is a Vienna-based exchange that supports multiple assets and has a larger product range. It is a genuine competitor on the exchange side, but it lacks Bitstack’s distinctive roundup and passive-savings mechanics and the Stackback rewards program.
MoonPay: MoonPay is primarily a fiat-to-crypto payment gateway used for purchasing crypto quickly. It is not a savings platform and does not offer automation, DCA scheduling, or a savings-first product design.
Traditional Savings Accounts: The European Central Bank has reported that prices in the euro area rose 23.4% between October 2020 and 2025, reflecting a significant erosion of purchasing power. Bitcoin, with a fixed supply cap of 21 million units, offers an alternative store of value that many users consider a hedge against this monetary debasement. While bank savings accounts may offer modest interest, they do not provide the same asymmetric return potential that Bitcoin advocates argue the asset offers over long periods.
What distinguishes Bitstack most clearly is its combination of regulatory standing, product simplicity, and exclusive Bitcoin focus. It is not trying to be all things to all crypto users. It is trying to be the best and easiest way for Europeans to save in Bitcoin over the long term — and it is succeeding at that specific mission.
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Who Is Bitstack Best Suited For?
Bitstack is an ideal platform for the following types of users:
Bitcoin Beginners: If you have been curious about Bitcoin but found exchange platforms overwhelming, Bitstack removes every barrier. You do not need to understand wallets, private keys, or order books to use it. You link your bank account and let the automation work.
Long-Term Savers: Bitstack is not a trading platform. It is a savings tool. Users who believe in Bitcoin’s long-term value proposition and want to accumulate it steadily over years will find Bitstack perfectly aligned with their approach.
Passive Investors: If you want Bitcoin exposure without any active management, the roundup and DCA features handle everything for you. Many users report that they essentially forget the app is running and are pleasantly surprised by how much they have accumulated after several months.
Budget-Conscious Investors: Starting from €1, with no monthly subscription fees and fees only charged on transactions, Bitstack is accessible to people who cannot afford to invest large amounts at once. Saving €5–€20 per week through roundups is a realistic starting point.
Everyday Spenders Looking for Rewards: With the Stackback program on the Visa card, people who spend money anyway can now earn Bitcoin back on every euro they spend. This is an appealing proposition for anyone who wants to participate in Bitcoin without carving out a separate investment budget.
What Do Real Users Say About Bitstack?
Customer feedback on Trustpilot reflects generally positive sentiment, with over 1,100 reviews and a notable proportion of users praising the platform’s simplicity, ease of setup, and effective automation. Common phrases in positive reviews include descriptions of the app as intuitive, describing the onboarding experience as taking less than five minutes, and expressing surprise at how much Bitcoin they had accumulated without noticing.
Negative reviews tend to focus on customer support response times during periods of high demand and occasional difficulties with bank account connections for certain European banking providers. These are operational challenges common to any fintech platform and do not appear to reflect systemic problems.
The overall picture from user reviews is of a platform that delivers on its core promise: making Bitcoin savings genuinely automatic and accessible for everyday people.
Bitstack’s Expansion Plans for 2026 and Beyond
Bitstack’s $15 million Series A funding is earmarked for two primary objectives: geographic expansion and product development.
On the geographic side, Bitstack is deepening its presence across a dozen European markets where it already operates and plans to expand further, with fully localized content and user experiences tailored to each country’s language, banking infrastructure, and regulatory environment.
On the product side, the priorities for 2026 include the full rollout of the Visa debit card with Stackback rewards, the expansion of the French IBAN euro account feature, and further investment in the compliance and technical infrastructure needed to support a growing pan-European user base. The company plans to grow its team from thirty to approximately fifty people over the course of the year.
The MiCA license, approved in June 2025, provides Bitstack with the legal foundation for a European passport — meaning the regulatory approval obtained in France is recognized across all EU member states. This significantly reduces the time and cost of entering new markets compared to seeking individual country-by-country approvals.
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Frequently Asked Questions About Bitstack
Is Bitstack safe to use? Yes. Bitstack is regulated by the AMF, holds a MiCA license as a Digital Asset Service Provider, stores Bitcoin in cold storage via BitGo Europe, and uses multi-signature security architecture. It is one of the most thoroughly regulated Bitcoin platforms available to European consumers.
Is Bitstack available outside Europe? Currently, Bitstack is available in a dozen European countries. It is not available in the United States, United Kingdom, or outside the EU/EEA at this time. The 2026 expansion roadmap focuses on deepening European coverage.
Can Bitstack lose my Bitcoin? Bitstack uses institutional custody via BitGo and cold storage. However, no investment is without risk. Regulatory protections under MiCA require Bitstack to segregate customer assets from company assets, meaning your Bitcoin is ring-fenced even in the event of business difficulties. That said, Bitcoin itself carries market risk, and the value of your holdings will fluctuate with Bitcoin’s price.
What is the minimum investment on Bitstack? You can buy Bitcoin with as little as €1 by card. Roundups start from the nearest euro cent of spare change from any transaction, meaning contributions can be just a few cents at a time.
Does Bitstack support other cryptocurrencies? No. Bitstack is exclusively focused on Bitcoin. It does not support Ethereum, stablecoins, or altcoins.
How do I withdraw my Bitcoin from Bitstack? You can transfer Bitcoin to an external wallet at zero fee (standard speed) or sell it and withdraw euros to your bank account. There is no lock-in period — your funds are accessible at any time.
What happens to my Bitcoin if Bitstack ceases to operate? Under MiCA regulations, Bitstack is required to maintain customer assets separately from its own operational funds. In the event of insolvency, regulated procedures apply for the return of customer assets. This is a significantly stronger protection than is offered by many unregulated crypto platforms.
Is Bitstack good for DCA (dollar-cost averaging)? Yes. Bitstack’s recurring buy feature was explicitly designed for DCA. You can schedule automated Bitcoin purchases at daily, weekly, or monthly intervals for any amount you choose, which is the textbook definition of a DCA strategy.
Final Verdict: Is Bitstack a Scam or a Smart Investment Tool?
Bitstack is unequivocally not a scam. It is a legitimate, regulated, venture-backed financial technology company operating under some of the most rigorous compliance standards available in Europe.
Whether it is a smart investment tool depends on what you believe about Bitcoin. Bitstack does not promise guaranteed returns, and it does not attempt to. Bitcoin’s price is volatile, and anyone accumulating Bitcoin should understand that its value can fall as well as rise. Bitstack is not a get-rich-quick scheme; it is a patient, automated savings mechanism for people who believe in Bitcoin’s long-term value.
If you are that person — someone who believes that owning even a small amount of Bitcoin makes sense as part of a diversified savings approach, and who wants to do so with the minimum possible friction — Bitstack is arguably the best-designed platform available in Europe for that purpose.
Its roundup mechanism is clever and genuinely passive. Its DCA infrastructure is robust and easy to configure. Its fee structure is transparent and reasonably competitive. Its regulatory standing is exemplary. Its institutional backing is credible. And its new Visa card with Stackback rewards creates a compelling everyday use case that turns normal spending into Bitcoin accumulation.
For European consumers who have been waiting for a Bitcoin savings product that combines simplicity, security, and regulatory legitimacy, Bitstack in 2026 makes a compelling case for why the wait is over.
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