Key Takeaways
- • Postbank, Bulgaria's No. 4 bank, plans to let customers invest in crypto, stocks, ETFs, commodities and metals directly through its mobile app starting early 2027, according to the bank.
- • The planned service will be delivered through a partnership with an international investment platform that Postbank has not yet named.
- • Postbank will support small-ticket investments and fractional purchases of certain assets, extending access to global markets within its everyday banking app.
- • Postbank reported 71% year-on-year growth in app payment volumes in the first nine months of 2026, with transactions up nearly 47% and active mobile banking users up 32%.
- • Competing Bulgarian lender Fibank is pursuing a similar crypto offering with Bitpanda, signaling a broader push by local banks into digital asset access.
Summary
Postbank, the fourth-largest bank in Bulgaria, plans to add investment functionality to its mobile app in early 2027, allowing customers to buy crypto assets, stocks, exchange-traded funds, commodities and metals without leaving the banking platform, the bank said this week. According to Postbank, the service will be delivered through a partnership with an international investment platform, which the bank has not yet identified. Through this arrangement, customers will gain access to thousands of international companies as well as gold and other metals alongside digital assets.
The planned offering is designed to support smaller investment amounts and fractional purchases of certain assets. Postbank positions the feature as a way for customers to access global markets through the same application they use for routine banking. Publisher coverage notes that the bank operates under the Eurobank Bulgaria umbrella while using the Postbank brand.
The initiative follows strong growth in Postbank's digital channels. The bank reported that payment volumes through its app rose 71% year-on-year in the first nine months of 2026, transaction numbers increased nearly 47%, and active mobile banking users climbed 32%. Customers now use the app more than 20 times per month on average. The bank has also added parking payments, personalized lifestyle offers and shared-bill payments through its ONE wallet, and plans an AI assistant, a version of the app for users under 18, and an updated digital lending process as it seeks to position the app as an integrated personal finance platform.
Postbank's plan parallels a move by First Investment Bank (Fibank), which is partnering with Bitpanda to integrate crypto investing into its My Fibank app with a similar early 2027 timeline, according to publisher reports. Bitpanda Enterprise will provide the crypto asset services, and Fibank has been described as the first Bulgarian bank to offer such access within its banking app. Together, the two announcements point to a growing trend among regional lenders of embedding investment products into retail banking channels.
The planned offering is designed to support smaller investment amounts and fractional purchases of certain assets. Postbank positions the feature as a way for customers to access global markets through the same application they use for routine banking. Publisher coverage notes that the bank operates under the Eurobank Bulgaria umbrella while using the Postbank brand.
The initiative follows strong growth in Postbank's digital channels. The bank reported that payment volumes through its app rose 71% year-on-year in the first nine months of 2026, transaction numbers increased nearly 47%, and active mobile banking users climbed 32%. Customers now use the app more than 20 times per month on average. The bank has also added parking payments, personalized lifestyle offers and shared-bill payments through its ONE wallet, and plans an AI assistant, a version of the app for users under 18, and an updated digital lending process as it seeks to position the app as an integrated personal finance platform.
Postbank's plan parallels a move by First Investment Bank (Fibank), which is partnering with Bitpanda to integrate crypto investing into its My Fibank app with a similar early 2027 timeline, according to publisher reports. Bitpanda Enterprise will provide the crypto asset services, and Fibank has been described as the first Bulgarian bank to offer such access within its banking app. Together, the two announcements point to a growing trend among regional lenders of embedding investment products into retail banking channels.
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