The financial landscape has radically transformed recently, with cryptocurrency steadily moving from the fringes into mainstream banking. Crypto-friendly banks have emerged to meet this growing demand, creating new possibilities for consumers and businesses.
In 2025, we’re no longer asking whether crypto will go mainstream but how financial institutions can effectively integrate digital assets into their service offerings.
These innovative banks are enhancing the familiar banking model with digital assets, on-chain services, and creative approaches to value creation.
With the help of this guide, I will share details about what makes these institutions stand out, their unique features, geographical coverage, and their specific services to bridge the gap between traditional finance and the exciting world of digital currencies.
Popular Crypto-Friendly Banks (2025)
Here’s a comprehensive overview of the top crypto-friendly banks in 2025, with their service locations.
These institutions represent the leading options for individuals and businesses looking to bridge traditional banking with digital asset services.
| Bank Name | Service Locations |
|---|---|
| Revolut | USA, EEA, Australia, Singapore, Japan, Switzerland, UK |
| JPMorgan Chase | USA, UK |
| Mercury | Global (focus on USA) |
| Ally Bank | USA |
| Juno | Global |
| Wirex | Global (130+ countries) |
| Monzo | UK |
| AMINA Bank | Europe |
| Bank Frick | Europe |
| DBS Bank | Singapore/Asia |
| SBI Sumishin Net Bank | Japan |
| Mizuho Bank | Japan |
Read on to know what makes these banks the most crypto-friendly banks in the world!
What Is a Crypto-Friendly Bank?
A crypto-friendly bank provides services that bridge traditional banking with cryptocurrency operations.
Unlike conventional banks that may restrict or outright block crypto-related transactions, these institutions actively support digital asset activities through various means.
Crypto-friendly banks typically fall into several categories:
- Traditional banks with crypto licenses that offer services for both fiat and crypto assets
- Crypto-native banks providing comprehensive cryptocurrency services
- Digital-only banks with crypto licenses supporting various digital asset features
- FinTech platforms enabling seamless cross-platform transactions
- Financial superapps offering integrated service coverage across multiple providers
The main difference distinction between traditional and crypto-friendly banks lies in their transaction processing methods.
While conventional banks rely on systems like SWIFT for international transfers (often slow and costly), crypto-friendly institutions leverage blockchain technology to achieve greater speed, transparency, and affordability.
Why Choosing a Crypto-Friendly Bank Matter
For individuals and businesses operating in the cryptocurrency space, having access to banking services that embrace rather than resist digital assets is crucial.
These institutions provide numerous benefits:
- Seamless integration between fiat and digital currencies
- Regulatory compliance and proper risk management
- Protection for individual investors moving between traditional and crypto assets
- Essential infrastructure for crypto businesses, including payroll, wire transfers, and custody services
- Lower transaction costs and faster processing times
- Specialized services tailored to cryptocurrency users and blockchain companies
Top 12 Crypto-Friendly Banks – Globally
The most comprehensive and up-to-date guide to leading financial institutions that seamlessly bridge traditional banking with cryptocurrency services across different regions worldwide.
1. Revolut
| Feature | Details |
|---|---|
| Service Locations | USA, EEA, Australia, Singapore, Japan, Switzerland, UK |
| Number of Users | 30+ million |
| Supported Cryptocurrencies | BTC, ETH, USDT, and 210+ others |
Revolut is a UK-based fintech company that has transformed digital banking with integrated cryptocurrency services. Users can seamlessly buy, sell, and hold over 210 cryptocurrencies alongside traditional currencies.
The platform offers competitive exchange rates with an intuitive interface that appeals to both crypto novices and experienced traders.
Revolut’s cryptocurrency vaults allow users to accumulate digital assets over time while maintaining access to standard banking features.
Top Benefits:
- User-friendly interface for easy crypto buying and selling
- Multi-currency support in both fiat and crypto
- Integrated secure crypto exchange with competitive rates
- Personal and business debit cards linked to crypto accounts
- Price alerts and automated trading features like auto-exchange at specific rates
2. Wirex
| Feature | Details |
|---|---|
| Service Locations | Global (130+ countries) |
| Number of Users | 5+ million |
| Supported Cryptocurrencies | 250+ crypto assets |
Wirex bridges traditional finance and cryptocurrency with Mastercard-supported payment solutions.
Though not technically a bank, Wirex has established itself as a significant player in the crypto-friendly financial services sector.
Users can deposit or purchase both fiat and cryptocurrencies to their accounts and make everyday payments via their Wirex debit card, enabling seamless integration of digital assets into daily financial activities.
Top Benefits:
- Web3-based free accounts with zero currency exchange fees
- Secure debit card service with up to 8% cashback for card payments
- Native WXT token that unlocks DeFi opportunities
- Staking options with competitive yields
- Free ATM withdrawals across a network of partner locations
3. Juno
| Feature | Details |
|---|---|
| Service Locations | Global |
| Number of Users | 300,000+ in USA |
| Supported Cryptocurrencies | BTC, ETH, SOL, LTC, Polygon, and more |
Juno offers a comprehensive crypto-friendly banking platform designed specifically for individuals and businesses in the blockchain space.
The platform enables users to open separate crypto accounts, apply for crypto-backed loans, stake their digital assets for generous yields, and conduct trading activities.
A standout feature is their debit card that links to both fiat and crypto accounts, allowing flexible payments with any currency type.
Top Benefits:
- Smart Treasury savings account for stablecoin holders
- AI/ML technology for personalized financial insights
- Comprehensive suite of financial services including lending and borrowing
- Strategic partnerships with leading blockchain projects
- Option to receive paychecks directly in cryptocurrency
4. Mercury
| Feature | Details |
|---|---|
| Service Locations | USA (global services available) |
| Number of Users | 100,000+ |
| Supported Cryptocurrencies | Support for transfers to exchanges trading major cryptocurrencies |
Mercury positions itself as the premier banking solution for Web3 companies and crypto startups.
While not directly holding cryptocurrencies, Mercury imposes no restrictions on crypto purchases through accounts and facilitates seamless transfers to major exchanges.
Its business-focused approach includes sub-accounts with virtual IBANs, API connectivity, and enhanced FDIC insurance through its Vault product, making it ideal for growing blockchain ventures.
Top Benefits:
- No monthly maintenance fees or minimum balance requirements
- FDIC insurance up to $5 million through the Vault product
- Attractive yields on larger balances via Mercury Treasury
- Unrestricted crypto purchases and transfers to exchanges
- Specialized business banking tools for tech startups
5. Monzo
| Feature | Details |
|---|---|
| Service Locations | UK |
| Number of Users | 7.5 million |
| Supported Cryptocurrencies | 250+ via Coinbase |
Monzo, a pioneer in UK digital banking, has embraced the crypto revolution with an open approach to cryptocurrency transactions.
While not offering direct crypto trading, Monzo allows customers to use their accounts with cryptocurrency exchanges without unnecessary restrictions.
The bank enables users to monitor their cryptocurrency holdings alongside regular banking transactions and supports faster payments to crypto platforms.
Top Benefits:
- Partnership with FCA-licensed Coinbase for secure transactions
- User-friendly mobile app with intuitive interface
- Support for faster payments to cryptocurrency exchanges
- No penalties for crypto purchases or withdrawals
- Ability to monitor crypto holdings within the main banking app
6. JP Morgan Chase
| Feature | Details |
|---|---|
| Service Locations | USA, UK |
| Number of Users | 60+ million |
| Supported Cryptocurrencies | BTC, ETH, XRP, SHIB and others |
JP Morgan Chase has evolved from initial crypto skepticism to become a leader in institutional crypto services. The bank now offers Kinexys, a comprehensive blockchain infrastructure that reimagines transferring money, assets, and financial information.
Its Onyx platform has expanded into four key solutions: Digital Assets for tokenization, Digital Payments for near real-time cross-border transactions, Liink for secure information exchange, and Labs for blockchain innovation support.
JP Morgan is setting industry standards with over $1.5 trillion in transaction volume since inception.
Top Benefits:
- Tokenized investment solutions through Kinexys Digital Assets
- 24/7 near real-time cross-border payment capabilities
- Secure peer-to-peer network for institutional data sharing
- Strong regulatory compliance with bank-grade security
- Industry-leading blockchain research and development through Kinexys Labs
7. Ally Bank
| Feature | Details |
|---|---|
| Service Locations | USA |
| Number of Users | 11+ million |
| Supported Cryptocurrencies | 260+ cryptocurrencies via Coinbase |
Ally Bank stands as one of America’s most crypto-friendly traditional banks, though it doesn’t offer direct trading features.
Its partnership with Coinbase provides users with convenient access to a secure crypto exchange for trading hundreds of cryptocurrencies.
As one of the highest-rated online banks in the USA, Ally combines traditional banking services with openness to digital asset activities.
Top Benefits:
- FDIC-insured with higher APYs than most traditional banks
- Free access to 43,000+ ATMs nationwide
- Seamless connection to Coinbase for crypto trading
- Access to crypto trusts, ETFs, and stocks
- Availability of Bitcoin futures for more sophisticated investors
8. Cash App
| Feature | Details |
|---|---|
| Service Locations | USA, UK |
| Number of Users | Not disclosed |
| Supported Cryptocurrencies | Bitcoin |
Cash App has transformed from a peer-to-peer payment service into a comprehensive financial platform with Bitcoin integration.
Users can obtain a Cash App debit card, receive direct deposits, and easily buy, sell, and withdraw Bitcoin directly to personal wallets.
The platform’s simple interface makes it particularly accessible for crypto beginners while offering the security of a regulated financial service.
Top Benefits:
- Seamless Bitcoin buying, selling, and withdrawal capabilities
- Direct deposit support for receiving paychecks
- Cash App debit card for everyday spending
- No monthly fees for basic services
- Ability to deposit and withdraw Bitcoin to and from personal wallets
9. AMINA Bank (formerly SEBA Bank)
| Feature | Details |
|---|---|
| Service Locations | Europe |
| Number of Users | Not disclosed |
| Supported Cryptocurrencies | BTC, ETH, and 15+ more assets |
AMINA Bank (formerly SEBA Bank) stands out in Switzerland’s pioneering crypto environment as one of Europe’s first licensed crypto banks.
Founded in 2018 and headquartered in Zug, this FINMA-licensed institution provides integrated accounts handling both crypto and fiat under strict regulatory oversight.
The bank offers institutional-grade custody alongside innovative services like NFT custody and crypto-backed loans.
Top Benefits:
- Comprehensive range of crypto services including storage, trading, and staking
- Ability to use crypto assets as collateral for secured loans
- Secure NFT custody service unique among European banks
- Stringent adherence to EU regulations and compliance standards
- Selected by the Swiss government to test national CBDC integration
10. DBS Bank
| Feature | Details |
|---|---|
| Service Locations | Singapore/Asia |
| Number of Users | Not disclosed |
| Supported Cryptocurrencies | USDT, USDC, TUSD |
DBS Bank leads Southeast Asia’s crypto banking sector with a regulated exchange under its umbrella.
The Singapore-based institution provides institutional clients access to tokenized securities and comprehensive digital asset services.
As a member of the Monetary Authority in Singapore (MAS) and the Association of Banks in Singapore (ABS), DBS offers a holistic suite spanning trading, custody, and tokenization services with top-tier compliance.
Top Benefits:
- Institutional-grade trading platform for digital assets
- Proprietary custody solution for secure asset storage
- Advanced tokenization services for traditional assets
- Crypto lending capabilities for institutional clients
- Strong regulatory standing with key financial authorities
11. Bank Frick
| Feature | Details |
|---|---|
| Service Locations | Europe |
| Number of Users | Not disclosed |
| Supported Cryptocurrencies | BTC, ETH, ETC, XRP, LTC, XLM, QTUM, XEM, and 10+ more |
Bank Frick has built its reputation in Liechtenstein’s financial sector through early adoption of blockchain banking services.
Founded in 1998, it became the first European bank to provide regulated access to crypto assets for professional market participants in 2018.
The institution caters primarily to institutional clients and sophisticated investors with direct market access for crypto trading and secure custody solutions.
Top Benefits:
- Blockchain banking services fully compliant with European regulations
- Secure custody of both fiat and crypto assets
- Advanced cryptocurrency trading features for institutions
- 24/7 support service for clients (Pulse)
- Cryptocurrency staking services on proof-of-stake networks
12. SBI Sumishin Net Bank
| Feature | Details |
|---|---|
| Service Locations | Japan |
| Number of Users | 6+ million |
| Supported Cryptocurrencies | USDT, USDC, BUSD |
SBI Sumishin Net Bank is a partnership between SBI Holdings and Sumitomo Mitsui Banking Corporation, becoming one of Asia’s most significant crypto banks.
This Tokyo-based institution operates at the intersection of traditional banking and Japan’s unique crypto regulatory environment.
Regulated by the FSA and a member of the Federation of Bankers Associations of Japan, it offers diverse digital asset services with assets securely stored in GMO Trust’s custody.
Top Benefits:
- Advanced tokenization services for various assets
- Secure digital asset custody compliant with Japanese regulations
- Comprehensive crypto lending capabilities
- Single user-friendly application for all banking operations
- Full internet-only banking services with end-to-end solutions
Note: Offerings from these institutions can change rapidly due to evolving regulations and market conditions. Readers are encouraged to conduct their due diligence before selecting a crypto-friendly bank.
Key Considerations When Choosing a Crypto-Friendly Bank
When selecting a crypto-friendly bank, consider these critical factors that will impact your experience, security, and access to essential services.
Regulatory Compliance and Risk Management
When selecting a crypto-friendly bank, regulatory compliance should be a top priority.
In Europe, the Markets in Crypto-Assets (MiCA) regulation provides standardized oversight and consumer protection across EU member states, setting guidelines for custody, capital requirements, and transparency.
Similar frameworks exist in other regions, though specific rules vary.
A bank aligned with relevant regulations offers excellent stability and reduces the risk of sudden account freezes or service disruptions due to compliance issues.
Services, Fees, and Accessibility
Different banks offer varying levels of crypto integration. Some provide complete solutions with built-in trading, staking, and custody, while others allow transfers to external exchanges. Consider what services you need before committing.
Monthly fees, transaction costs, and potential balance requirements can vary widely between institutions.
Some banks waive fees if you maintain specific digital asset stakes or fiat balances. In contrast, others keep sign-ups simple but impose daily transaction limits or charge extra for cross-border payments.
Security Features
Security should never be compromised when dealing with digital assets. Look for banks offering robust protection measures such as:
- Cold storage solutions for crypto holdings
- Multi-signature wallets
- Insured custodial services
- Strong authentication protocols
- Real-time fraud alerts and monitoring systems
The Future of Crypto-Friendly Banking
The intersection of traditional banking and cryptocurrency continues to evolve rapidly.
With the crypto banking sector experiencing a remarkable compound annual growth rate (CAGR) of over 58% and projections suggesting a market value exceeding $19 billion by 2027, this evolution shows no signs of slowing.
Several key trends are likely to shape the future of crypto-friendly banking:
- Regulatory Clarity: As frameworks like MiCA in Europe mature, we can expect more standardized approaches to crypto banking regulation globally.
- Expanded Service Integration: Banks will increasingly incorporate staking, tokenization, and on-chain lending alongside traditional offerings.
- Institutional Adoption: More traditional financial powerhouses will develop specialized crypto divisions to serve growing institutional demand.
- CBDC Integration: As central bank digital currencies emerge, crypto-friendly banks will play crucial roles in their implementation and adoption.
- Enhanced Security: Institutional-grade security protocols will continue advancing to protect the growing value of digital assets under management.
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Conclusion
The growing ecosystem of crypto-friendly banks bridges traditional finance and digital assets, offering solutions for individual investors, startups, and established businesses.
When choosing the right institution, assess your specific needs regarding location coverage, services, security, and fees. Your ideal banking partner will depend on your unique circumstances and cryptocurrency goals.
As conventional banking and digital assets increasingly merge, these forward-thinking institutions are creating an integrated financial future.
Blockchain technology and cryptocurrencies now play central roles in managing value, transforming how we store, transfer, and interact with both traditional and digital currencies.
FAQs
A crypto-friendly bank provides services that accommodate digital assets while integrating traditional banking functions. These institutions may offer direct crypto trading, exchange connections, custody solutions, or specialized accounts for crypto businesses.
Selecting the appropriate bank ensures compatibility with your location and needs while providing a secure bridge between traditional banking and the crypto market.
When making comparisons, evaluate factors like supported cryptocurrencies, geographical availability, fee structures, minimum balance requirements, security features, and specific services such as custody options or payment processing.
Leading crypto-friendly banks in the USA include JPMorgan Chase, Mercury, Ally Bank, Customers Bank, and Juno. Each offers different levels of crypto integration, from simple exchange connections to comprehensive digital asset services.
Notable European crypto-friendly institutions include Revolut, AMINA Bank (formerly SEBA Bank), Bank Frick, and Monzo. European banks often operate under MiCA regulations, providing standardized oversight and consumer protections.
In Asia, prominent crypto-friendly banks include DBS Bank (Singapore), SBI Sumishin Net Bank (Japan), and Mizuho Bank (Japan). These institutions typically adhere to regional regulatory frameworks while offering specialized digital asset services.
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