The Top 17 Best Crypto-Friendly Banks

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As digital assets gain mainstream traction, the demand for financial institutions that seamlessly integrate cryptocurrency services with traditional banking has never been higher. Whether you're an individual investor, a Web3 startup, or an institutional player, accessing reliable crypto-friendly banks is essential for managing fiat and digital assets efficiently, securely, and compliantly.

Recent milestones — such as the approval of Bitcoin ETFs, Bitcoin surpassing $70,000, and increasing adoption of stablecoins and asset tokenization — have accelerated institutional interest in crypto. This shift has pushed banks worldwide to evolve, offering services like crypto custody, staking, lending, and direct exchange integration.

Europe currently leads in crypto banking innovation, with over 60 regulated institutions offering blockchain-enabled services. The U.S. and Asia are close behind, with major financial players integrating digital assets into their offerings. In this guide, we explore the top 17 crypto-friendly banks across three continents, highlighting their key features, services, and why they stand out in the evolving digital finance landscape.

👉 Discover how top financial platforms are integrating crypto services today.

The Best 7 Crypto-Friendly Banks in Europe

Europe’s clear regulatory frameworks and innovation-driven financial ecosystem make it a global leader in crypto banking. Countries like Switzerland, Germany, and the UK host some of the most advanced crypto-integrated banks.

1. Amina Bank (formerly SEBA Bank)

Based in Switzerland and regulated by FINMA, Amina Bank is a pioneer in digital asset banking. It offers a full suite of services for individuals, institutions, and corporations, including custody, trading, lending, staking, and payment processing.

With regulated operations in Switzerland, Abu Dhabi, and Hong Kong, Amina provides a globally accessible platform built on Swiss financial standards. Its integration of fiat and crypto services makes it ideal for cross-border transactions.

Key Services:

Amina’s membership in the Swiss Bankers Association underscores its credibility and regulatory compliance.

2. Sygnum Bank

Founded in 2017 and headquartered in Zurich, Sygnum Bank is one of the first institutions globally to offer regulated banking services for digital assets. Also FINMA-regulated, Sygnum bridges traditional finance with blockchain innovation.

It was the first bank to support Internet Computer (ICP) utility tokens in custody and offers a unified platform for fiat and crypto transactions.

Key Services:

Sygnum’s asset management arm provides access to diversified crypto funds and early-stage venture opportunities.

3. Contovista

A German-based fintech regulated by BaFin, Contovista focuses on secure financial solutions for crypto businesses and individuals. While it doesn’t offer direct crypto trading, it provides essential banking infrastructure.

Key Services:

Contovista is ideal for companies needing reliable fiat rails to support their crypto operations.

4. BCB Group

Founded in London in 2017, BCB Group specializes in serving institutional clients like hedge funds, exchanges, and blockchain firms. It holds an Authorized Payment Institution license from the UK’s Financial Conduct Authority.

BCB Group excels in secure crypto transactions across 30+ digital currencies and offers robust digital asset custody.

Key Services:

Its API-driven platform ensures seamless integration with existing financial systems.

5. Bank Frick

Established in 1998 and based in Liechtenstein, Bank Frick was one of Europe’s first banks to embrace blockchain banking. It serves blockchain firms, asset managers, and fintechs globally.

With Visa and Mastercard partnerships, it issues secure debit cards and processes payments for crypto clients.

Key Services:

Bank Frick supports businesses in Europe, Singapore, Australia, and the U.S.

6. Revolut Business

Revolut Business is a global fintech platform offering multi-currency accounts and crypto exchange features. Its integration with MetaMask simplifies crypto purchases directly from the app.

Available worldwide, Revolut caters to freelancers, startups, and enterprises.

Key Services:

Its user-friendly interface makes it a top choice for non-institutional users.

7. Monzo Bank

UK-based Monzo Bank bridges traditional banking with crypto by allowing users to link their accounts to external exchanges. While it doesn’t offer direct trading, it enables seamless fund transfers.

Monzo cards can be used on major crypto platforms, enhancing spending flexibility.

Key Services:

Monzo is available only to UK residents.

The Best 7 Crypto-Friendly Banks in the United States

The U.S. crypto banking landscape is dynamic, with traditional giants like Goldman Sachs and JPMorgan embracing blockchain innovation despite regulatory complexity.

👉 See how U.S. banks are adapting to the rise of digital assets.

1. BankProv

BankProv offers full-service USD banking tailored for the crypto community. It’s a Federal Reserve member with FDIC insurance up to $250,000.

It provides crypto-backed lending and secure cash vault services via armored couriers and Bitcoin ATMs.

Key Services:

BankProv’s dedicated crypto team ensures smooth onboarding.

2. Goldman Sachs

Once skeptical of crypto, Goldman Sachs now operates a dedicated cryptocurrency trading desk. It partners with Galaxy Digital to offer Bitcoin futures and Ethereum funds (minimum $250K).

Key Services:

Goldman Sachs serves high-net-worth clients seeking regulated crypto exposure.

3. JP Morgan Chase Bank

JPMorgan Chase launched JPM Coin, a blockchain-based token for instant cross-border payments. It allows select crypto exchanges to use ACH and wire transfers for deposits/withdrawals.

It also offers a passively managed Bitcoin fund via NYDIG for wealthy clients.

Key Services:

JPMorgan exemplifies traditional finance embracing digital innovation.

4. Evolve Bank & Trust

Based in Tennessee, Evolve Bank & Trust is FDIC-insured and supports digital asset custody, lending, and payment processing.

Key Services:

Evolve is trusted by fintechs and crypto startups alike.

5. Mercury Bank

Mercury Bank is designed for startups and Web3 companies. It offers FDIC-insured accounts with up to $5 million in additional insurance coverage.

Key Services:

Its API-first approach appeals to tech-savvy businesses.

6. Ally Bank

While not a direct crypto trader, Ally Bank allows customers to link their accounts to external exchanges like Coinbase and Kraken.

Key Services:

Ally is ideal for investors who want flexibility without direct exposure.

7. Wirex Bank

Wirex operates as a hybrid fintech platform with Mastercard partnerships. Available in over 130 countries, it supports dual fiat-crypto accounts.

Key Services:

Wirex combines convenience with global accessibility.

Top 3 Crypto-Friendly Banks in Asia

Asia’s financial hubs — particularly Singapore and Japan — are rapidly adopting crypto-integrated banking models.

1. DBS Bank (Singapore)

DBS Bank, Southeast Asia’s largest bank, offers regulated custody, trading, lending, and asset management under MAS supervision.

Key Features:

DBS is a trusted choice for institutional investors in Asia.

2. Mizuho Bank (Japan)

Japan’s second-largest bank by assets, Mizuho, provides secure custody, trading, and asset management under FSA regulation.

Key Features:

Mizuho supports Japan’s growing Web3 ecosystem.

3. SBI Sumishin Net Bank (Japan)

A joint venture between SBI Holdings and Sumitomo Mitsui, this bank offers secure custody, trading, and tokenization services.

Key Features:

It’s a rising star in Japan’s digital finance space.

Essential Features of Crypto-Friendly Banks

When choosing a crypto-friendly bank, consider these must-have features:

  1. Secure asset management – Look for FINMA, MAS, or FDIC-regulated institutions.
  2. Transparent fee structures – Avoid hidden costs on transactions or withdrawals.
  3. Crypto cards & payment processing – Enable real-world spending of digital assets.
  4. API access & integration – Essential for businesses needing automation.
  5. Staking & yield opportunities – Maximize returns on idle holdings.
  6. Customer support & mobile apps – Ensure smooth user experience.

👉 Compare top banks offering integrated crypto solutions now.

Frequently Asked Questions (FAQ)

What defines a crypto-friendly bank?

A crypto-friendly bank supports cryptocurrency-related activities such as holding digital assets, facilitating exchange transactions, offering crypto-backed loans, or integrating with blockchain platforms — all within regulatory compliance.

Can I use my regular bank for crypto transactions?

Many traditional banks restrict or block crypto purchases due to risk concerns. If your bank limits such transactions, switching to a crypto-friendly bank like Mercury or Sygnum ensures seamless access.

Are crypto-friendly banks safe?

Yes — reputable ones are regulated by financial authorities (e.g., FINMA, FDIC, MAS) and offer insured deposits, secure custody (hot/cold wallets), and robust cybersecurity protocols.

Do crypto-friendly banks offer interest on deposits?

Many do. For example, Mercury offers yield through its Treasury product, while Sygnum and DBS provide staking rewards on assets like ETH and BTC.

Can businesses open accounts at crypto-friendly banks?

Absolutely. Banks like BCB Group, Revolut Business, and BankProv specialize in serving crypto startups, exchanges, and Web3 enterprises with tailored business solutions.

How do I choose the right crypto-friendly bank?

Assess your needs: Are you an individual investor or a business? Do you need custody, trading, or payment processing? Prioritize regulation, security, fees, supported currencies, and customer support when deciding.