BCB Group

E-money or payment institution · London, United Kingdom

BCB Group is a London payments firm that runs fiat and digital asset accounts for crypto exchanges, brokers, liquidity providers and payment companies. It is not a bank: BCB Payments Limited is an FCA authorised payment institution, BCB Payments (Europe) SASU is an e-money institution licensed by the French ACPR, and BCB Markets (Europe) SASU is registered with the AMF as a digital asset service provider. Its BLINC network settles transfers between members in real time around the clock at no fee, and had processed USD 200 billion by its fifth anniversary in 2025. Payment accounts cover more than 30 currencies, with Faster Payments and CHAPS for sterling, SEPA Instant and T2 for euro, and Fedwire for dollars. The company says it moves more than USD 5.5 billion a month and handled more than USD 230 billion of transactions in 2025.

Legal name: BCB Group Holdings Limited
Regulated by: FCA (UK, payment services), ACPR (France, e-money), AMF (France, digital asset service provider), VQF SRO recognised by FINMA (Switzerland), FINTRAC (Canada, foreign money services business)
Licence confirmed: yes, on a regulator's own list
Established: 2017
Website: www.bcbgroup.com

Scores, 0 to 10

9.5Off-ramp: crypto to fiat in a business account

Converting crypto and stablecoins to fiat for exchanges and brokers is its core business, with instant 24/7 settlement over BLINC in eight fiat currencies for over 100 institutional clients in 2026. · source

9.0Crypto-friendly bank

Serving digital asset firms is the core business, with exchanges, liquidity providers and brokerages named as target industries and an AMF digital asset service provider registration (E2024-112) behind it. · source

9.0On-ramp: buy crypto with fiat

Built for crypto businesses: fiat payment accounts in over 30 currencies, virtual IBANs with instant SEPA and an OTC desk, serving exchanges such as Bitstamp, Crypto.com, Gemini and Kraken. · source

9.0Stablecoins (USDC, USDT and others)

USDC send, receive and conversion for businesses, stablecoin issuers as BLINC members, and a beneficiary institution role in Circle Payments Network for USD, GBP and EUR payouts since April 2026. · source

8.0High-risk verticals (iGaming, cannabis, adult, forex)

iGaming and regulated CFD and FX brokers are named target industries with dedicated pages, and the risk appetite statement reserves zero appetite only for unlicensed money service businesses and prohibited jurisdictions. · source

7.5Bitcoin

Business clients can trade, hold and transfer BTC through its OTC desk and custody product, under an AMF DASP registration rather than a MiCA or banking licence. · source

7.0Europe (EU, EEA, Switzerland)

BCB Payments (Europe) SASU is an ACPR-licensed e-money institution (number 735745) offering EUR wallets with SEPA Instant and virtual IBANs, and BCB Markets (Switzerland) Sarl is a VQF member, but there is no EU bank licence. · source

7.0Fintech companies that need a partner bank

Named client types include fintechs, marketplaces and platforms, remittance providers, global payroll and payment service providers, served with virtual IBANs and rail access, though unregulated money service businesses are refused outright. · source

7.0Ethereum

ETH trading, custody and transfers are available to business clients; no staking or wider token custody for companies is listed on its product pages checked in September 2026. · source

6.5United Kingdom

BCB Payments Limited has been an FCA authorised payment institution since July 2018 under firm reference 807377 with sterling accounts on Faster Payments and CHAPS, but it is not a bank and sells only to institutional clients. · source

6.5Crypto wallet and custody for a business

Companies get crypto accounts and custody alongside fiat through BCB Markets (Europe), registered as a DASP with the AMF since 2024, but no MiCA CASP authorisation or banking licence appeared on its licence page in September 2026. · source

6.0Cross-border payments, FX and multi-currency accounts

Payment accounts run in more than 30 currencies over SWIFT with local rails for GBP, EUR, USD, AUD and CHF, and over 20 deliverable currencies trade by OTC order or RFQ, but no FX margin is published. Multi-currency accounts in more than 30 currencies come with virtual IBANs, a client console, a web API and daily ISO 20022 statement files, but there is no cash pooling, lending or hedging beyond spot trading. · source

5.0Lowest fees

BLINC transfers inside the network carry no fee, but BCB publishes no price list and its FY2024 accounts describe revenue from setup fees, subscription and minimum fees, and transaction fees. · source

5.0Customer satisfaction

The Trustpilot profile for bcbgroup.com holds zero reviews and is closed for new ones, so the only public feedback is named client quotes from Bitstamp, SwissBorg and DLT Finance on BCB's own site. · source

5.0Foreign-owned & non-resident companies

BCB serves businesses across regions with no residency requirement but publishes a list of 22 prohibited jurisdictions, and every product page routes to a contact form rather than an online application. · source

5.0Accept crypto payments

Businesses can send, receive and convert USDC and other crypto payments inside the BCB platform, and since April 2026 BCB receives Circle Payments Network stablecoin payments and settles them in USD, GBP or EUR, but it offers no merchant checkout. · source

4.5Best interest on business balances

Stablecoin Earn pays yield on USDC, USDT and EURC through a money market fund vault run by an FCA-regulated manager, but no rate is published and interest on safeguarded fiat balances is booked as BCB revenue. · source

4.0Financial strength & stability

BCB is unrated and holds no banking licence; its UK entity had GBP 6.13 million of equity at 31 December 2024, and the directors flagged that going-concern forecasts carry significant uncertainty. · source

3.5Fast digital onboarding

There is no online application: every product page routes to a contact form or demo booking, and BCB describes a high-touch onboarding and compliance review by its own teams. · source

3.0Canada

BCB Payments Limited and BCB Payments (Europe) SASU were registered as Foreign Money Service Businesses with FINTRAC in February 2026, but BCB has no Canadian entity and does not publish Interac or Lynx access. · source

3.0Online businesses: e-commerce and SaaS

Marketplaces and platforms are listed as served industries and unlimited client-specific virtual IBANs reconcile incoming collections automatically, but BCB offers no card acquiring and no chargeback handling. BCB names fintechs, marketplaces, remittance providers, iGaming, regulated CFD and FX brokers and digital asset businesses as the clients it serves and offers no accounting or Stripe integrations for a software company. · source

2.0Startups & VC-backed companies

There is no startup product, no lending and no self-serve signup; onboarding is a manual compliance review aimed at regulated firms, exchanges and brokers. · source

1.0Trade, manufacturing & import-export

The product set is payment accounts, BLINC settlement, virtual IBANs, trading and stablecoin yield, with no letters of credit, guarantees or supply-chain finance. · source

1.0Business cards (Visa, Mastercard)

The payment accounts page lists SWIFT, SEPA, local rails, virtual IBANs, a client console and an API and no card product. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.