Postbank wants its customers to do more in its app than check balances and pay utility bills.
The Bulgarian lender, formally known as Eurobank Bulgaria AD, plans to let users buy crypto, stocks, and gold directly inside its mobile banking app. The rollout is slated for early 2027.
What Postbank is promising
The planned service covers a wide menu: stocks, exchange-traded funds (ETFs), crypto assets, commodities, and metals, gold included. ETFs, for the uninitiated, are baskets of assets that trade like a single stock, so buying one share gets you a slice of many holdings at once.
Postbank is pitching the feature around small-sum and fractional investing. Fractional investing works like buying a slice of pizza instead of the whole pie. You can own part of an expensive share or asset without paying the full sticker price.
Postbank will not build the investing engine itself. The bank says it will work with an international investment platform, though it has not named that partner.
Several other key pieces are also still unannounced. The bank has not said which specific assets will be available, what the fees will look like, or how customer holdings will be held in custody.
Postbank ranked as Bulgaria’s fourth-largest bank by assets as of June 30, 2026.
Fibank got there first, by a week
Postbank is not the only Bulgarian bank with this idea. The week before, First Investment Bank, better known as Fibank, confirmed its own plan to let customers invest in crypto assets through its My Fibank mobile app.
Fibank’s timeline is the same: early 2027. Unlike Postbank, Fibank did name its partner. It is working with Bitpanda, the Austrian investment platform.
So the scorecard currently reads like this. Fibank has a named partner and a crypto focus. Postbank has a broader asset list, a fractional-investing pitch, and a partner it is keeping under wraps for now.
Media coverage of Postbank’s plan picked up after a bank press release surfaced in mid-October 2026. Beyond that release, the bank has not shared any further operational or regulatory milestones publicly.
Why banks are moving now
Bulgarian banks are folding investment services straight into their own mobile platforms as regulatory conditions across the European Union continue to evolve.
Partnering with an established platform is the logical shortcut. A bank gets a ready-made trading and custody stack, while the platform gets access to a large pool of existing, verified customers.
What this means for customers and the market
There are still plenty of things to watch before launch. The first is the identity of Postbank’s partner, which will say a lot about the product’s depth and its crypto selection. The second is fee structure, since small-sum investors are especially sensitive to costs that can quietly eat into modest positions.
The third is custody, which determines how protected customer assets are. The fourth is timing: early 2027 is a target, and banking product launches have a habit of discovering new compliance paperwork along the way.
Disclosure: This article was edited by Kaye Quema. For more information on how we create and review content, see our Editorial Policy.