Users in France, Spain, Italy and Poland say they got emails: deposits are off and accounts close on Dec 31. Binance confirmed the closures but has not published a country list.

From Nov 29, leftover balances pay 0.025% a month, min 10 USDC. Under $40,000 that's a flat 10 USDC, so on $1,000 it's 1% a month.

All four had a local Binance registration. It lapsed on Jul 1 when the MiCA transition ended, and Binance holds no MiCA licence in any of the 30 EEA countries.

Elsewhere in the EU, an offshore entity serves clients, and Binance tells them no action is needed. Coinbase, Kraken, OKX, Bybit and KuCoin hold MiCA licences.