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Some argue that finance is starting to feel a bit like the tech world when smartphones were first introduced: rapid change, new players on the scene, and an explosion of interest from casual observers and industry veterans alike.
Crypto-friendly banks fit right into that narrative. They take the familiar banking model and juice it up with digital assets, on-chain services, and a willingness to explore new forms of value.
In 2025, we’re past the point of “Will crypto go mainstream?” and well into “How can financial institutions harness crypto in a user-friendly way?”
This guide spotlights those institutions—across the United States, Europe, the UK, Asia-Pacific, and beyond—that have stepped up, acquired the needed licenses, and built real infrastructure to support cryptocurrencies alongside traditional services.
We’ll examine their compliance strategies, risk management frameworks, and the unique services they offer—without burying you in generic definitions.
If you already know your NFT from your DeFi, you’ll appreciate a straight-to-the-point look at the banks enabling secure, practical bridges between crypto assets and conventional finance.
Just like video-streaming services revolutionized TV consumption, crypto-friendly banks are quietly re-shaping how businesses and individuals interact with digital currencies.
Let’s peel back the curtain on these financial institutions that support crypto beyond lip service, and see which ones are worth your time.
Why Crypto-Friendly Banks Matter
If you’ve ever watched a major esports tournament sponsored by a mainstream brand, you’ve seen how a once-niche pastime can mature into a multibillion-dollar enterprise when the right infrastructure steps in.
Crypto-friendly banks illustrate a similar phenomenon in the financial industry—providing serious scaffolding for what was once considered the “wild west” of digital currencies.
These banks make everyday banking tasks—like payroll, wire transfers, and secure custody—seamless for crypto businesses.
They also protect individual investors who want the convenience of moving between fiat and digital assets without the headache of dealing with third-party exchanges or hidden fees.
Beyond the convenience, these institutions bring regulatory rigor, thorough risk management, and transaction monitoring to the table, helping ensure that crypto investments remain on the straight and narrow.
In short, they aren’t just an upgrade to checking accounts; they’re the connecting tissue that lets established companies and scrappy startups confidently stake their claim in the blockchain world—whether that involves token sales, yield farming, or offering digital asset services to clients.
By bridging compliance frameworks with crypto-savvy platforms, these banks help shape a modern financial reality that feels more aligned with how people actually transact, save, and invest today.
Key Considerations for Choosing a Crypto-Friendly Bank
Regulatory Compliance and Risk Management
Contrary to any lingering notions of a “wild west,” most reputable crypto banks today operate under robust legal frameworks.
In Europe, for instance, the Markets in Crypto-Assets (MiCA) regulation is paving the way for standardized oversight and consumer protection across EU member states.
This regulation sets guidelines around custody, capital requirements, and transparency for crypto-focused financial entities—whether they’re offering custodial wallets or facilitating digital asset trades.
Banks embracing MiCA must meet strict anti-money-laundering (AML) guidelines and capital adequacy rules, ensuring they have the reserves and processes to protect users. Similar frameworks exist in the United States, United Kingdom, and Asia, though the precise rules differ.
For you, it means added peace of mind: a crypto-friendly bank that’s aligned with MiCA or its equivalent is less likely to abruptly freeze accounts or shut down services due to non-compliance. And if your business relies on continuous crypto transactions, that consistency can be a life-saver.
Services, Fees, and Accessibility
For many, the main incentive to use a crypto-friendly bank is convenience: integrated fiat-to-crypto channels, dedicated OTC desks, or specialized business accounts. But don’t forget the fine print: monthly fees, transaction fees, and potential balance requirements vary widely.
Some banks might waive fees if you stake a certain amount of digital assets or maintain high fiat balances. Others keep signups easy but limit daily transaction amounts or charge extra for cross-border payments.
Map out exactly what services you need—like debit cards, fiat rails to specific exchanges, or multi-currency support—so you don’t get stuck paying for niche features you’ll never actually use.
Security Features
Cold storage solutions, multi-signature wallets, insured custodial services—these aren’t just buzzwords; they’re the bedrock of a bank’s trustworthiness in the crypto realm. If the bank offers FDIC insurance coverage for your fiat but leaves your digital assets entirely at your own risk, that’s a gap to note.
Top-tier institutions often provide robust security that goes beyond standard passwords and PINs—think biometric logins and real-time fraud alerts. In an industry no stranger to exchange hacks, bulletproof security measures are a must for both institutional players and individual investors.
Best Crypto-Friendly Banks in the United States
JPMorgan Chase
Once seen as a holdout on crypto, JPMorgan Chase has since taken the bull by the horns—quite literally. By developing its own blockchain-based settlement platform, Onyx, and issuing JPM Coin, the bank shows a serious commitment to digital asset infrastructure.
Institutional clients especially benefit from research on the crypto market, plus the option to incorporate Bitcoin ETFs into wealth portfolios. JPMorgan’s pivot underscores that when a major U.S. bank decides to support crypto services, it can reshape expectations for the entire sector.
Customers Bank
Customers Bank ascended from a regional institution to a premier choice for crypto businesses through its CBIT token, enabling real-time USD payments. This setup offers instant settlements and minimal friction for large-volume traders on exchanges like Coinbase.
If you rely on daily liquidity in fiat without waiting for standard banking hours, Customers Bank delivers a level of agility that more traditional institutions often struggle to match.
Evolve Bank & Trust
Evolve Bank & Trust emphasizes a developer-friendly approach, providing API-based integrations for startups and established crypto platforms.
If you’ve used an app that transitions smoothly between crypto and cash, there’s a good chance Evolve’s infrastructure powered it. FDIC insurance coverage for fiat deposits adds to the peace of mind, while its digital asset custody solutions help businesses stay compliant in the United States.
Mercury
Mercury caters to fast-scaling tech startups, including those venturing into DeFi or NFTs. With sub-accounts, virtual IBANs, and a user-friendly interface, it appeals to founders who value a streamlined experience.
While Mercury may not have the legacy name of JPMorgan, its modern services speak to a new wave of entrepreneurs seeking clarity on fees and swift onboarding.
Ally Bank
For crypto enthusiasts who simply want to hook up their bank account to an exchange, Ally Bank provides a reliable option. While it doesn’t offer a dedicated crypto division, it supports transactions with well-known exchanges and even allows indirect exposure to crypto ETFs.
Ally’s established reputation in online banking and responsive customer support make it a practical choice among U.S. banks accepting cryptocurrency deposits.
Best Crypto-Friendly Banks in Europe
SEBA Bank (Switzerland)
Within Switzerland—often viewed as a crypto trailblazer—SEBA Bank stands out for bridging digital asset services with traditional finance. SEBA provides integrated accounts that handle both crypto and fiat currencies under the watchful eye of Swiss regulators.
Aside from supporting mainstream coins, it offers staking options, tokenization services, and institutional-grade custody. Anyone eyeing Switzerland’s evolving MiCA alignment can find comfort in SEBA’s thorough approach to compliance, especially if they’re looking to manage a broader portfolio involving assets beyond just Bitcoin.
SolarisBank (Germany)
SolarisBank brings a modular, tech-centric twist to Europe’s banking sector, positioning itself as an infrastructure provider for fintechs and crypto exchanges. Rather than focusing on retail customers directly, SolarisBank partners with businesses needing everything from KYC solutions to digital asset wallets.
Whether you’re running a crypto startup or simply prefer a bank that “gets” digital finance, SolarisBank’s open-API environment makes integration relatively seamless. It also benefits from Germany’s supportive stance on blockchain innovation, ensuring the banking services remain robust and compliant.
Bank Frick (Liechtenstein)
Bank Frick’s reputation in Liechtenstein’s financial industry is built on its early adoption of blockchain banking services. It caters to institutional clients and sophisticated investors, providing direct market access for crypto trading, plus secure custody of digital assets.
If you’re exploring options for staking or dealing with larger volumes, Bank Frick’s emphasis on regulatory compliance—rooted in Liechtenstein’s friendly yet strictly supervised environment—can be a major selling point.
Clear Junction (UK-based, Europe-wide)
Though headquartered in the UK, Clear Junction operates across Europe, facilitating cross-border payments for crypto exchanges, remittance operators, and other businesses handling digital currencies.
It focuses on helping companies integrate fiat gateways quickly, cutting down on bureaucratic overhead. With a presence in over 180 countries, Clear Junction’s streamlined approach to transaction monitoring and risk assessment has made it a go-to partner for businesses needing real-time settlement in multiple jurisdictions.
Januar (Denmark)
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As one of the newer entrants, Januar aims to serve crypto businesses and startups that might otherwise struggle with “de-banking.” It’s a licensed payment institute rather than a full-fledged bank, but that focus allows it to offer specialized bank accounts that handle both crypto and fiat with fewer roadblocks.
Based in Denmark, Januar champions transparency and a regulatory-first approach, aligning with the EU’s MiCA-driven ambitions for safer, more standardized digital asset operations.
Best Crypto-Friendly Banks in the United Kingdom
Revolut
Revolut has become a fixture in the UK’s digital banking sector, notably for its in-app crypto purchases. Users can effortlessly buy and sell major cryptocurrencies—like Bitcoin and Ethereum—alongside regular fiat.
Over time, Revolut has rolled out features such as the option to withdraw crypto to external wallets, reinforcing its image as a challenger bank open to blockchain tech. While it’s not a specialized crypto exchange, Revolut’s balance of convenience, speed, and modern app design resonates with individuals who want to dip into digital assets without juggling multiple platforms.
Monzo
Monzo markets itself primarily as an easy-to-use app-based bank, but it doesn’t shy away from crypto transactions. Instead of blanketing them with heavy restrictions, Monzo selectively flags high-risk platforms or suspicious activities.
That said, it doesn’t provide its own crypto services, so you won’t find a native trading feature. Still, Monzo’s open stance can be appealing for those who want a bank that won’t penalize them for occasional crypto purchases or withdrawals. Think of it as a neutral zone—reliable enough for day-to-day spending, yet permissive for linking to crypto exchanges.
Lloyds Banking Group
While Lloyds is an established name tied more to traditional finance, it has carved out room for crypto-related debit card transactions, provided they’re done through recognized channels. However, the institution blocks credit card purchases of cryptocurrencies—part of its broader strategy to shield customers from potential debt pitfalls.
For crypto enthusiasts who rely primarily on debit payments, Lloyds remains a pragmatic, mainstream option. The group’s cautious approach to crypto signals it’s not anti-innovation; it just wants to manage consumer risk, especially for those who might not fully grasp the volatility of digital assets.
Best Crypto-Friendly Banks in Asia-Pacific
DBS Bank (Singapore)
DBS Bank leans into blockchain and tokenization more than most of its regional peers. Already known as a heavyweight in Southeast Asia, DBS has a regulated crypto exchange under its umbrella, letting institutional clients tap into tokenized securities and other digital asset services.
It’s a far cry from mere “buy and sell” crypto offerings—DBS provides a holistic suite spanning trading, custody, and even fractional ownership of certain tokenized assets. For businesses in Singapore seeking a stable partner with top-notch compliance, DBS hits the mark.
SBI Sumishin Net Bank (Japan)
Formed through a collaboration between SBI Holdings and Sumitomo Mitsui Trust Bank, SBI Sumishin Net Bank stands at the intersection of traditional banking and a crypto-friendly approach unique to Japan’s regulatory environment.
From crypto trading facilities to yield-generating products, the bank offers a variety of ways for users to engage with digital assets while staying on the right side of local rules. Its alignment with Japan’s broader push for blockchain adoption means SBI Sumishin Net Bank often has an edge in rolling out innovative services, all while keeping compliance front and center.
Global and Cross-Border Solutions
Fiat Republic
Fiat Republic acts as a layer between crypto businesses and the traditional financial system, aggregating multiple banking providers so companies don’t have to negotiate individual partnerships. Its core mission is to eliminate the dreaded “de-banking” issue, where legitimate crypto ventures struggle to maintain stable fiat channels.
By offering unified compliance and risk management, Fiat Republic saves startups from drowning in red tape. If you’re looking to handle cross-border transactions across the eurozone, the UK, or the United States, this platform can integrate seamlessly into your existing infrastructure—making fiat-to-crypto conversions far smoother.
BCB Group
BCB Group is another heavyweight catering to institutional clients, large exchanges, and OTC desks. It provides liquidity, settlement networks, and specialized payment rails in multiple fiat currencies. Regulated by the UK’s Financial Conduct Authority (FCA), BCB Group prides itself on bridging gaps between crypto markets and established banking networks.
Its BLINC network, in particular, enables near-instant settlements among participants, which can be critical for high-volume traders or businesses that need 24/7 operational continuity.
For firms aiming to build a global footprint, having BCB Group’s multi-jurisdictional setup can expedite everything from compliance checks to cross-border fund transfers.
The Road Ahead: How Crypto-Friendly Banks Will Evolve
Even if you primarily trade on decentralized platforms or store your digital assets offline, banks remain a linchpin for those moments when fiat meets crypto.
Their established payment networks, regulatory oversight, and customer protections help tame some of the volatility that still characterizes blockchain markets.
Soon, expect the gap between decentralized finance (DeFi) and traditional finance (TradFi) to shrink, as banks roll out direct staking services, explore tokenized assets, and investigate on-chain lending initiatives.
Legislation—like MiCA in Europe—continues to refine how banks handle crypto, shaping everything from custody protocols to mandatory disclosure rules. Institutions that remain agile and open to innovation will likely set the standard for compliance, security, and user-friendly tools.
By choosing a bank that aligns with your specific needs—be it institutional lending or personal digital asset management—you’ll be positioned to seize new opportunities in a financial world that increasingly blends traditional banking with blockchain-driven innovations.
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