Bleap
Bleap
A non-custodial (self-custody via account abstraction) crypto neobank with 0% FX, up to €400 of ATM withdrawals per month, 2% cashback in USDC, 8% APY and an IBAN. However cashback is capped at 10 USDC per month and the project is run by a small team.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato |
| Multi-currency | Yes · 3 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | Free |
| Interest on balance | 8% |
| ATM withdrawal | not declared |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | EEA · 31+ countries |
| Regulator | Polish Register on Virtual Currencies Business Activity |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | VASP registration (Poland) In adeguamento |
Plans & pricing
Strengths
- 0% FX + €400 ATM/month + 2% cashback USDC + 8% APY + IBAN.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Cashback cappato a 10 USDC/month; team small.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (In adeguamento): reporting to authorities and freezes on order.
Verdict
The package is strong for the ordinary user: 0% FX, up to €400/month of ATM withdrawals, 2% USDC cashback, 8% APY and an IBAN. The B tier, more than the rating, reflects the real limits, namely cashback capped at 10 USDC per month and a small team behind a Polish registration still "adjusting", with no bank-grade deposit guarantee.
A mixed picture through this lens: it is non-custodial (self-custody via account abstraction), so funds stay in the user's wallet until spending, but full KYC verifies identity from the start and the Mastercard rail remains a regulated one. Good on custody, weaker on anonymity and censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Bleap a real bank?
Bleap is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Bleap?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Bleap support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Bleap support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Bleap?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Monthly fee · SEPA fee · +12 Data verified on Jul 11, 2026
- coininterestrate.com Custodial · Payment network · Italia disponibile Data verified on Jul 11, 2026
- opencryptocards.com Custodial · Supported stablecoins · Kyc · Regioni · +2 Data verified on Jul 11, 2026
- banklist.co Staking richiesto · Cashback Data verified on Jun 14, 2026
Show 4 more sources
- pitchbook.com Company type · Investors · Valuation Data verified on Jun 14, 2026
- spendnode.io ATM fees · ATM limits · FX markup Data verified on Jun 14, 2026
- theblock.co Founders · IBAN countries · Valuation Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026