As cryptocurrencies are increasingly used and the line between traditional finance and crypto currencies becomes more and more blurred, some applications stand out by offering a hybrid banking experience. This is the case with Deblock, an all-in-one solution that aims to blend the simplicity of a checking account with the power of a crypto wallet.
But what is Deblock really worth, this next-generation neobank? Between a multi-currency account, a virtual card and digital asset management, Deblock promises to reconcile the best of two worlds that were originally opposed. Discover in this article our opinion on Deblock, its features, 2026 pricing, its advantages and limits, as well as our take on Deblock’s offering.
Deblock, what is it? History and key figures 2026
Founded in October 2022, Deblock is a French fintech innovator aiming to redefine money management in the digital era. Based in Lille, the company Deblock now brings together more than 60 employees from 12 different nationalities to serve over 300,000 clients. Its hallmark is offering an account that combines traditional banking services with a non-custodial crypto wallet, to guarantee users full control of their assets, safe from financial crises or government fund freezes.
The founding team of Deblock comprises experts from renowned fintechs such as Jean Meyer (ex-Revolut, head of crypto), Mario Eguiluz (ex-Ledger, head of technology), Adriana Restrepo (ex-Revolut Bank, head of operations) and Aaron Beck (ex-Revolut, head of payments). This elite quartet embodies a clear vision, that of a bank account of the future, secure, easy to use, and designed for the world of digital assets.
Deblock holds a CASP – MiCA license (n° A2025-001) and is registered as an Electronic Money Institution by the ACPR (Bank Code: CIB 17748), which strengthens its legitimacy and regulatory compliance.
In 2025, Deblock became the first French company licensed under MiCA at the European level. This new authorization notably enables Deblock to offer its services in all EU countries.
Deblock continues to innovate, unveiling in 2025 the first LED metal bank card with a luminous and innovative design, offering up to 1% cashback to transform every payment into a rewarding experience.
In 2025, the young French fintech Deblock continued to advance at an impressive pace: in barely nine months, Deblock rose from about 100,000 to 300,000 users, and now aims for the milestone of one million customers within the next six months.
To support this growth, Deblock recently completed a €30 million fundraising round from renowned investors, including SpeedInvest and Commerzbank, joined by several other sector-known funds. This new step is expected to allow Deblock to accelerate the achievement of its main objective: to set up the first fully on-chain bank, i.e., a banking infrastructure built entirely on the blockchain.
In early 2026, Deblock launched Wallet Import, a non-custodial solution linking bank accounts and external crypto wallets for instant euro/crypto conversions, without intermediaries.
Avis Deblock : what is Deblock’s offer in 2026 ?
Deblock offers an innovative package that combines a multi-currency current account with a non-custodial crypto wallet, all accessible from a single mobile app.
Multi-currency account and Deblock IBAN
The Deblock account allows users to easily manage several currencies from a single interface. Specifically, it is a multi-currency account that supports the euro and other fiat currencies, thus facilitating international transactions without juggling between multiple accounts or platforms.
Each user has a personal IBAN, enabling them to send and receive SEPA transfers (including instant transfers) with ease, just like with a traditional bank. This feature makes Deblock particularly relevant for nomad workers, expatriates, or anyone who moves between crypto and fiat currency.
The goal is simple: to provide a smooth bridge between the traditional banking world and digital assets, without compromising on ease of use or regulatory compliance.
Deblock Visa Card
With its Visa card, Deblock allows users to spend their funds as easily as with a traditional card, with the key difference being that the card can be funded in either euros or cryptocurrencies. Directly connected to the app, this Visa card supports Apple Pay and Google Pay, enabling contactless payments in stores, online, or in mobile apps, wherever Visa is accepted.
One of the major advantages of this card is the automatic conversion of cryptos to euros at the moment of payment, with full transparency about the exchange rate used. It also allows the generation of new virtual cards for single-use online purchases, ideal for securing online transactions and preventing card fraud.
The Deblock Visa card is fully customizable in design for customers on the Premium or Native plans.
On the benefits side, users enjoy up to 1% cashback for Premium and Native users. It’s a clever way to monetize daily spending. Moreover, all transactions are tracked in real time, with instant notifications, spending caps, and full control from the app.
Deblock has launched a LED metal bank card with a futuristic design that lights up at each payment, without a battery. Combining style, technology and rewards, it offers up to 1% cashback on all expenditures.
More than a simple payment method, the Deblock card embodies the fintech’s aim to make the banking experience both innovative, rewarding and elegant.
Wallet Crypto (non-custodial) Deblock
Deblock’s crypto wallet stands out for its non-custodial nature, meaning that each user remains the sole holder of their private key, the true key to their assets on the blockchain.
In other words, Deblock does not store your cryptocurrencies, nor your private keys, and you are the sole owner of your funds, the only master of their security. This model offers a fundamental advantage over custodial wallets (managed by centralized crypto platforms). Thus, even in the event of Deblock’s bankruptcy or hacking, your assets remain safe on the blockchain, untouched by third parties.
Deblock’s crypto wallet enables receiving, sending, storing, and exchanging multiple cryptocurrencies directly from the app, with a clear and intuitive interface. It’s an ideal tool for those who want exposure to crypto while maintaining full sovereignty over their digital holdings.
However, this autonomy has a downside: if you lose your private key or recovery phrase, there is no way to recover your funds. This therefore requires heightened vigilance and good organization to secure access.
In conclusion, Deblock offers a powerful and secure crypto wallet, designed for users who want to combine freedom, transparency and responsibility in their crypto management.
Deblock Wallet Import
Deblock offers with Wallet Import an evolution designed primarily to simplify daily cryptocurrency management.
Until now, investors typically had to juggle several tools: a bank account for euros, a crypto exchange platform for conversions, and one or more personal wallets to store their assets. This arrangement, not very fluid, complicated everyday operations.
With Wallet Import, Deblock allows directly connecting external wallets to its interface, to perform euro-crypto conversions without going through a centralized exchange.
Funds are credited or debited directly from the wallet chosen by the user. The solution relies on a non-custodial architecture.
In a stricter regulatory context, notably with the arrival of the European DAC8 directive, Deblock emphasizes an approach that favors asset control, privacy, and a clearer experience for crypto investors.
What are Deblock’s 2026 fees ?
Deblock offers three distinct pricing plans, designed to fit the needs and usage of each user: Standard, Premium and Native.
Deblock Standard Plan
The Deblock Standard plan is completely free and already includes a wide range of services: SEPA transfers and instant transfers free of charge, receipt of transfers, compatibility with Google Pay and Apple Pay, multi-currency accounts, and free peer-to-peer (P2P) payments.
The standard Deblock offer also allows currency exchanges without fees up to €1,000 per month, access to a physical bank card, a virtual card, and up to 3 one-time-use numbers to secure online payments.
Cash withdrawals are free up to €100 per month, with an overall monthly withdrawal limit of €15,000. On the crypto side, purchases, sales and exchanges incur a 1.99% fee.
Deblock Premium Plan
The Deblock Premium plan, at €14.99 per month (or €120 per year), includes all the benefits of the Standard plan, with expanded features: unlimited fee-free currency exchanges, international transfer fees reduced by 50%, express delivery of the bank card included, and the physical card becomes customizable with your NFTs.
Users can obtain up to 10 virtual cards and have an unlimited number of one-time-use numbers. Free cash withdrawals rise to €1,000 per month, with a maximum monthly cap of €30,000.
Additionally, the Deblock Premium plan offers up to 1% cashback, crypto buying and selling fees reduced to 0.49%, and no fees on crypto exchanges within the same blockchain (0.49% for cross-blockchain exchanges).
Deblock Native Plan
Finally, the Native Deblock plan is reserved for members holding a Deblock NFT. It includes all the advantages of the Premium plan, with even more privileges: international transfer fees reduced by 100%, and all fees associated with crypto transactions are free (buy, sell, exchange, etc.).
The Deblock Native plan is the most comprehensive of Deblock’s offerings, designed for native crypto users looking to combine freedom, performance and savings.
Marc’s comment:
It is worth noting that with all three Deblock plans, you can automatically convert a portion of your salary into crypto for free.
Deblock Review: what are the advantages and disadvantages of the Deblock App ?
Deblock draws interest for its goal of reconciling traditional finance and cryptocurrencies within a single mobile app. But the offering presents both strengths and limitations worth knowing before diving in.
What are the advantages of Deblock ?
- Checking account with a French IBAN and multi-currency management
- Non-custodial crypto wallet: you remain the owner of your private keys
- Attractive cashback (up to 1% depending on the plan)
- Fee-free currency exchanges up to €1,000/month (or unlimited depending on the plan)
What are the disadvantages of Deblock ?
- Managing private keys entails full responsibility (loss = irrecoverable funds)
- Crypto fees still high on the free plan (1.99%)
- The Native plan requires purchasing a NFT to access
- Few investment options or advanced DeFi features at the moment
Deblock Review: who is Deblock’s offer for ?
Deblock’s offering is primarily aimed at people who want to detach themselves from the traditional banking system without giving up the convenience of everyday ease. In other words, it is perfectly suited for those who want to “debank” themselves while continuing to benefit from essential services such as an IBAN, a payment card, or multi-currency management.
Deblock is also an ideal solution for users who are interested in crypto, whether beginners or more experienced. Thanks to its integrated non-custodial wallet and intuitive interface, the app allows you to start using cryptocurrencies in everyday life, whether to pay, exchange, invest, or simply become familiar with the blockchain universe.
In conclusion, Deblock targets a new generation of users seeking financial freedom, technological autonomy, and ease of use.
Our view on Deblock
We were attracted by Deblock’s hybrid approach, combining in a single application what is usually found in two distinct realms: a payment app with a Visa card on one side, and a non-custodial crypto wallet on the other. Where many apps merely offer a payment card backed by a simple euro account, or conversely, a crypto wallet without a seamless bridge to fiat currency, Deblock succeeds in reconciling the two worlds coherently.
The integration of a French IBAN, support for SEPA transfers (both standard and instant), the attractive cashback, multi-currency management, and one-time-use virtual cards all enrich an already well-thought-out offer. We also commend the non-custodial wallet approach, which guarantees the user full ownership of their cryptos—a bold choice that likely wasn’t easy to implement, but is fully aligned with the founding principles of blockchain.
Of course, this autonomy implies greater responsibility, especially regarding private key management, but for a tech-savvy audience or those wishing to take back control of their finances, Deblock offers a complete, modern and secure experience. Add to that transparent pricing, an ergonomic interface, and a future-oriented vision. Deblock stands as a serious solution for anyone looking to break away from the beaten path of traditional finance, without sacrificing simplicity or security.
Deblock customer reviews
On TrustPilot, Deblock has collected more than 2,465 user reviews, with an average rating of 3.9 out of 5. Among the positive reviews, many highlight the efficiency and ease of use of the Deblock app.
However, some negative Deblock reviews point to Deblock’s compliance with European financial regulation, a frequent concern in the crypto world where some users view regulatory constraints unfavorably. Other users express dissatisfaction with Deblock’s customer support, sometimes deemed slow.
How to open an account with Deblock ?
Opening a Deblock account is a quick, 100% online process that takes only a few minutes. Here are the steps to follow :
- Download the Deblock app, available for free on iOS and Android.
- Create a user account by providing your email address and choosing a secure password.
- Verify your identity, in accordance with European regulatory requirements (KYC), by uploading a valid identification document (ID card, passport or driving license) and taking a confirmation selfie.
- Enter your personal information (name, address, date of birth, etc.) to finalize your profile.
- Once your account is validated, you will have access to your personal IBAN, your non-custodial crypto wallet and you can order your virtual or physical bank card.
The process is smooth and fully doable from the app. The first month of subscription is free to allow new users to freely test Deblock’s services.
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