Bulgaria's Postbank to Add Crypto, Stocks and Metals Investing to Mobile App in Early 2027
Key Takeaways
- •Postbank plans to launch in-app investing in cryptocurrencies, stocks, ETFs, commodities, and metals in early 2027 through a partnership with an international investment platform whose identity has not been disclosed.
- •The planned service will support investing with smaller amounts and fractional purchases of certain assets, granting customers access to thousands of international companies along with gold and other metals.
- •Postbank's app payment volumes rose 71% year-on-year in the first nine months of 2026, while transaction numbers grew nearly 47% and active mobile banking users increased 32%.
- •The bank's future roadmap includes an AI assistant, a separate app for users under 18, and an updated digital lending process as it seeks to make the app an integrated personal finance platform.
- •The planned offering follows the EU's Markets in Crypto-Assets Regulation (MiCA), fully applicable since the end of 2024, which created a single authorization regime allowing licensed firms to offer crypto services across the bloc.
Postbank, Bulgaria's No. 4 bank, plans to let customers invest in cryptocurrencies, stocks, exchange-traded funds (ETFs), commodities and metals directly through its mobile app starting in early 2027, the bank announced this week.
The offering will be delivered through a partnership with an international investment platform whose identity Postbank has not yet disclosed. According to an announcement posted on the bank's website, customers will be able to invest in thousands of international companies and access gold and other metals alongside digital assets.
Postbank said the planned service will support investing with smaller amounts and fractional purchases of certain assets, allowing customers to reach global markets through the same app they use for everyday banking.
Digital banking momentum
The move follows a sustained rise in Postbank's digital usage. Payment volumes processed through the app rose 71% year-on-year in the first nine months of 2026, the bank reported. Transaction numbers increased nearly 47% over the same period, while active mobile banking users climbed 32%. Customers now use the app more than 20 times a month on average, Postbank noted.
The bank has also expanded the app beyond core banking, adding features such as parking payments, personalized lifestyle offers and shared-bill payments through its ONE wallet. The planned investment offering extends that expansion, placing stocks, ETFs, commodities, metals and crypto in the same application customers already open more than 20 times a month.
Roadmap
Future developments outlined by Postbank include an AI assistant, a separate app designed for users under 18 and an updated digital lending process, as the bank seeks to turn its mobile application into an integrated platform for managing personal finances. Postbank has yet to name the international platform it will partner with, one of the key details still to be confirmed before the early-2027 launch.
Postbank operates as the consumer brand of Eurobank Bulgaria AD, a member of Greece-based Eurobank Group. The planned crypto offering comes as European banks gain a clearer regulatory footing for digital-asset services under the EU's Markets in Crypto-Assets Regulation (MiCA), which has been fully applicable across the bloc since the end of 2024. The regulation created a single EU-wide authorization regime for crypto-asset service providers, meaning a firm licensed in one member state can offer those services across the bloc.
