Best Crypto Banks: The Most Crypto-Friendly Financial Institutions in 2025

The cryptocurrency market is developing at an unbelievable speed! Still, choosing a proper financial institution to manage your digital assets requires making an informed decision. After cryptocurrencies have been integrated into mainstream finance, there appeared a lot of crypto-friendly banks whose specialized services meet the needs of crypto enthusiasts and businesses. This article explores the landscape of crypto-friendly banking in 2025, providing insights into what defines a crypto-friendly bank, key factors to consider when choosing one, and highlighting some of the best crypto friendly banks available globally.

What Is a Crypto-Friendly Bank?

A crypto-friendly bank is a financial institution that embraces digital assets and offers services that facilitate cryptocurrency transactions. Unlike traditional banks that may restrict or prohibit crypto-related activities, crypto-friendly banks provide a bridge between conventional banking and the digital asset economy. They often offer features such as seamless integration with crypto exchanges, custodial services, and support for crypto–fiat conversions. Regulatory compliance plays a significant part in the operations of these banks, ensuring that they adhere to legal standards while accommodating the unique needs of crypto users.

Key Factors to Consider When Choosing a Bank for Crypto

There are a few important aspects to be considered in detail before you finally select a bank you will entrust your cryptocurrency activities to.

Regulatory Compliance and Risk Management

Check whether the bank complies with all applicable regulations. Regulatory adherence is a cornerstone: it ensures that financial authorities regard the bank’s operations as legitimate and sustainable – and, most importantly, you may rest assured that your hard-earned assets will not be lost overnight! Any violations (even minor ones) ruin our hopes on long-term stability. The trust of users and institutional partners will be lost, too. In fact, non-compliant banks may expose you to serious risks! Frozen accounts and limited access to services are just the cap of the iceberg, and so are transaction delays. However, you may have legal complications in more strictly regulated jurisdictions, which is an experience that can easily be avoided by checking compliance (or delegating it to our experts).

Supported Services for Crypto Users

Second, please check whether the bank offers all the services that make the lives of crypto users much more convenient. In a nutshell, you should have an opportunity to buy, sell, and store cryptocurrencies – and use major crypto exchanges, of course. Needless to say, efficient stablecoin and fiat currency conversion is vital. Top-quality crypto-friendly banks will also offer staking and yield products to you – and simplify your everyday payments: the debit cards they issue can be funded directly from your crypto wallet.

Fees, Transaction Costs, and Limits

You cannot plan and budget your crypto activities unless you fully understand the fee structure. Here are the questions that you can ask before you make a choice:

• What are the deposit/withdrawal fees?
• How much does monthly account maintenance cost?
• What are the exchange rates?
• Are there any limits imposed on crypto-related transactions?
• Are pricing models transparent enough? (This is a good indicator of a trustworthy crypto-friendly bank.)
• Are there any hidden costs or excessive bank charges for crypto?

The last question is of special importance as such fees may affect your profitability, especially if you plan to handle large volumes or complete a lot of transactions.

Security Features and Fraud Prevention

Security comes first! Your digital assets should enjoy bulletproof protection from theft, fraud, or unauthorized access, so security measures must be really impressive. Look for features like two-factor authentication (2FA), biometric logins, cold storage for custody, insurance coverage, and a transparent incident response policy. In addition, compliance with AML/KYC requirements not only protects the institution but also enhances the safety of your account.

Accessibility and User Experience

The platinum standard of the present-day banking is the ability to access your funds from wherever you are. It means that the bank must offer user-friendly mobile/online banking to make your financial life more convenient. A smooth, intuitive interface will simplify your day-to-day operations to a great degree – no matter whether you are an individual trader or a growing crypto business. In addition, seamless integration with crypto wallets, live transaction tracking, and responsive, multilingual customer support are all critical components of a well-rounded crypto-friendly banking experience.

Our experts can assist you with analyzing your needs and select the bank that best matches them. 

Best Crypto-Friendly Banks in 2025

Based on the factors mentioned above, here are some of the top crypto-friendly banks across various regions.

Best Banks for Crypto in the United States

• JPMorgan Chase: Once hesitant about cryptocurrencies, JPMorgan Chase has embraced the digital asset space by developing its blockchain-based settlement platform, Onyx, and issuing JPM Coin. If you are an institutional client, you are sure to benefit greatly from comprehensive research on the crypto market and the inclusion of Bitcoin ETFs in the portfolio.
• Customers Bank: Known for its CBIT token, Customers Bank offers real-time USD payments, facilitating instant settlements for large-volume traders on platforms like Coinbase. This agility is particularly beneficial if daily liquidity is important to you.
• Evolve Bank & Trust: Evolve provides API-based integrations for startups and established crypto platforms, enabling seamless transitions between crypto and fiat currencies. Its services include FDIC-insured fiat deposits and digital asset custody solutions.
• Mercury: The bank offers sub-accounts, virtual IBANs, and a user-friendly interface. It appeals to tech startups, including those in DeFi and NFTs, and entrepreneurs who seek streamlined banking experiences.
• Ally Bank: Ally Bank supports transactions with well-known crypto exchanges and allows indirect exposure to crypto ETFs. There are two important advantages that make the bank a recommendable option crypto enthusiasts: exceptional reputation in the field of online banking and excellent customer support.

Best Banks for Crypto in Europe

• SEBA Bank (Switzerland): A fully regulated institution with quite a variety of crypto services, including trading, custody, and asset management. Both institutional and individual clients are welcome.
• Revolut (UK): Offers in-app crypto trading and staking, allowing users to buy, hold, and exchange crypto alongside traditional banking services.
• LHV Bank (Estonia): Supports crypto trading and provides infrastructure for crypto companies, demonstrating a progressive approach to digital assets.
• AMINA Bank (formerly Arab Bank Switzerland): Offers trading, custody, and staking services for digital assets, catering to high-net-worth individuals and institutional clients

Best Banks for Crypto in the United Kingdom

• Revolut: As mentioned, Revolut renders a broad range of crypto services – trading and staking included. It has a user-friendly app for your convenience as well.
• Monzo: The bank does not offer crypto services directly. Still, Monzo allows transactions with crypto exchanges, so users engaged in crypto trading can open an account here.
• Lloyds Banking Group: The bank is open to crypto transactions, and its clients can use crypto platforms without excessive restrictions if they are regulated.

Best Banks for Crypto in Asia-Pacific

• DBS Bank (Singapore): This is the largest cryptocurrency banking operation in southeast Asia that offers a native custody platform, institutional trading system, and digital asset management services.
• SBI Sumishin Net Bank (Japan): The bank, which is in fact a joint venture between SBI Holdings and Sumitomo Mitsui Trust Bank, uniquely combines traditional banking with a progressive approach to digital assets.
• Mizuho Bank (Japan): Mizuho Bank has been proactive in the digital asset space, offering services that facilitate seamless transactions between fiat and cryptocurrencies.

Global and Cross-Border Banking Solutions for Crypto

• Fiat Republic is a leading provider of fiat access for crypto platforms that helps companies operate legally and efficiently across borders.
• BCB Group – Offers regulated payment services and banking infrastructure for crypto businesses, including seamless integration with crypto exchanges and fiat currencies.

Payment Systems Supporting Crypto Accounts

There are businesses and individuals that want to manage crypto-related transactions using alternatives to traditional banks. In this case, various payment systems come in useful. You can take advantage of the multi-currency accounts they offer and all other crypto–friendly features. The best crypto-friendly destinations are listed just below.

Crypto-Supporting Payment Systems

• Payment System in Kazakhstan – A payment system that is fast and efficient at the same time. You can easily open corporate accounts here and complete international transactions hassle-free. Of course, crypto-friendly support will be of help.
• Payment System in Singapore – You can set up a corporate IBAN account here with multi-currency capabilities, which is ideal for businesses engaged in crypto and cross-border payments.
• Payment System in the UK – A UK-based multi-currency payment system that provides corporate accounts with crypto-friendly features for international businesses.

Need more details? Want to choose a payment system that will help you achieve your business goals? Please get in touch with our specialists to make a decision you will never regret!

Payment Systems for Crypto Transactions: Benefits 

• It will be much easier to adhere to crypto-friendly policies than in the case of traditional banks
• Crypto-related payments and settlements are processed far more quickly
• In the case of payment systems, traditional multi-currency support extends to fiat and stablecoins
• The fees charged for international transactions are much more modest than in ordinary banks
• Crypto exchanges and wallets can be used to make payments

How to Open a Crypto-Friendly Bank Account

There is a procedure you will need to follow to set up an account with a crypto-friendly bank:

• Requirements/eligibility criteria: Make a thorough study of local regulations to see if you are eligible for banking services – or engage our experts to do it for you.
• Step-by-step account setup:
  1. Carefully select a crypto-friendly bank to achieve your goals.
  2. Apply remotely or in person.
  3. Complete all the KYC/AML procedures.
  4. Provide business or personal details and a digital asset activity overview.
  5. Fund your account and start using crypto services.
• Key documents needed for verification: ID/passport, proof of address, source of funds, business registration documents, and crypto asset ownership proofs (if applicable).

Advantages and Disadvantages of Crypto-Friendly Banks

Each business project, including crypto banking, has its tangible advantages and is not risk-free. All you can do about the existing risks and challenges is to be aware of them – and prepared to act! 

Advantages

• Faster transactions/lower fees: Crypto-friendly banks often process crypto transactions more efficiently as they have fewer intermediaries on their way. This leads to faster settlements and significantly reduced bank charges for crypto, especially for cross-border payments.
• A wide range of financial services: You usually find a broader set of services in these banks that are crypto industry-specific. These may include crypto-backed loan products, integrated crypto trading platforms, and debit cards linked to crypto wallets. These features make it easier for both individuals and crypto businesses to manage their digital assets alongside fiat currencies.
• Improved security and regulatory compliance: Leading crypto-friendly banks prioritize security by implementing advanced tools such as two-factor authentication (2FA), cold storage, and insurance coverage for digital assets. In addition, their operations are subject to strict AML/KYC standards, which reduces the risk of fraud and increases institutional trust.

Disadvantages

• Regulatory risks and potential restrictions: The regulatory landscape for crypto banks remains dynamic and uncertain. Sudden shifts in national or international legislation can result in restricted crypto services, frozen assets, or forced offboarding from financial networks.
• Limited global availability: Although the number of crypto-friendly banks is growing, they are still concentrated in specific jurisdictions such as Switzerland, Singapore, and Liechtenstein. Many regions, particularly in Africa and Latin America, still lack proper access to compliant crypto banking infrastructure.
• Higher scrutiny on large crypto transactions: Due to strict compliance requirements, users conducting large crypto transactions may face extended verification processes, delayed transfers, and even temporary account restrictions. These checks are designed to prevent money laundering and maintain institutional integrity. However, legitimate users usually find them very inconvenient.

The Future of Crypto Banking

• Traditional banks are evolving to support crypto, so they are actively integrating crypto services into their core offerings. Some are establishing partnerships with crypto exchanges, launching pilot projects in blockchain technology, or building proprietary digital asset platforms to retain competitive advantage.
• The rise of Central Bank Digital Currencies (CBDCs) will likely redefine the crypto–fiat exchange landscape. These government-backed digital currencies may coexist with or challenge private crypto assets, and they prompt banks to innovate around custody, interoperability, and compliance.
• Regulatory developments will continue shaping how crypto banks operate, demanding greater transparency, enhanced security, and more robust oversight. As frameworks mature, they could either enable a more stable environment for crypto businesses or introduce new operational hurdles, depending on jurisdiction.

Which Bank is Best for Crypto? Key Insights and Recommendations

• The best crypto friendly banks depend on your needs: Ally Bank is excellent for U.S. users, Bank Frick is ideal in Europe, and DBS leads in Asia.
• Always evaluate services, fees, regulatory standing, and ease of integration with crypto platforms.
• For those handling large volumes of crypto assets traded or operating crypto businesses, cross-border banking services and modern payment systems may offer greater flexibility.

Ready to get started with the best crypto-friendly bank for your needs? Contact us today.