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Cryptocurrency is no longer just for tech enthusiasts—it’s becoming an essential part of everyday finance. Whether you’re buying Bitcoin, earning crypto rewards, or looking for a bank that won’t flag your transactions, having the right banking partner matters. Some banks make it easy to integrate crypto into your finances, while others create roadblocks.
The good news? More traditional financial institutions are recognizing the demand for crypto-friendly services. From seamless crypto purchases to debit cards that convert digital assets at checkout, these banks provide the flexibility and support that crypto users need.
13 Best Crypto-Friendly Banks
Here are the top crypto-friendly banks of 2025 and what makes them stand out.
Current is a modern fintech platform that blends everyday banking with seamless crypto access.
Designed for ease and speed, Current allows users to buy and sell dozens of cryptocurrencies directly through its mobile app—without switching platforms or paying trading fees.
Crypto-Friendly Features
Zero Trading Fees – Users can buy and sell crypto without any transaction fees, making it more cost-effective than many exchanges.
Dozens of Supported Coins – Trade popular assets like Bitcoin, Ethereum, and Dogecoin, or explore coins like Polygon, Cardano, and Polkadot—all in-app.
Instant Access – All crypto features are built into the Current app, eliminating the need for third-party platforms or separate wallets.
Streamlined Onboarding – Fund your account through direct deposit, bank transfers, or cash and check deposits to get started quickly.
Limitations
No External Wallet Transfers – Crypto purchased on Current cannot be sent to external wallets, which may limit flexibility for more advanced users.
No Staking or Rewards – The platform focuses on simple trading and access, without support for crypto rewards, staking, or interest-bearing accounts.
Current makes crypto trading approachable for everyday users by offering instant access to dozens of digital assets—without the fees.
It’s a strong option for those looking to get started with crypto while still managing daily finances from one place.
Cash App is a mobile payment platform that also provides a seamless way to buy, sell, and withdraw Bitcoin.
It has positioned itself as a user-friendly option for those looking to integrate crypto into their everyday transactions.
Crypto-Friendly Features
Buy and Withdraw Bitcoin – Users can purchase Bitcoin directly within the app and transfer it to an external wallet without restrictions.
Banking Partnerships – Cash App partners with Sutton Bank and Lincoln Savings Bank to provide banking services while supporting crypto transactions.
Bitcoin Rewards – Sutton Bank also works with Wirex and issues the Fold Visa® Prepaid Card, which lets users earn Bitcoin on everyday purchases.
Limitations
Bitcoin-Only Support – The platform does not support other cryptocurrencies like Ethereum, Litecoin, or stablecoins.
Limited Banking Services – While it offers a debit card and direct deposit features, it lacks traditional banking products like savings accounts or loans.
Cash App makes it easy to buy Bitcoin, but those looking for broader crypto options may need to explore other platforms.
Wirex is a global digital payment platform that integrates traditional banking with cryptocurrency, allowing users to manage fiat and digital assets within a single account.
While it operates as a centralized service, it has expanded into decentralized finance (DeFi) by enabling WXT token access on Ethereum.
Crypto-Friendly Features
Multicurrency Accounts – Users can store, exchange, and spend both fiat and cryptocurrencies within the Wirex app.
Crypto Rewards – The Wirex Visa card offers up to 8% Cryptoback™ rewards in WXT for eligible purchases, depending on the user’s subscription tier and token balance.
Fiat and Crypto Interest – Earn up to 6% on select cryptocurrencies and up to 12% on fiat holdings through Wirex’s savings features.
Seamless Spending – The Wirex card automatically converts crypto to fiat at checkout, making everyday transactions hassle-free.
DeFi Integration – Wirex has migrated a portion of its WXT supply to Ethereum, allowing users to engage with decentralized finance applications.
Limitations
Not a Decentralized Platform – Wirex is a centralized service with some DeFi integrations but does not operate as a Web3 platform.
Crypto Exchange Fees – While fiat-to-fiat exchanges have zero fees, crypto trades incur a 1.5% to 2.5% fee depending on the currency pair.
WXT Dependency – Higher cashback rewards require staking and using Wirex’s native token, WXT.
Wirex offers an all-in-one solution for managing fiat and crypto while making it easy to spend digital assets. However, users should be aware of its fee structure and the centralized nature of its services when considering it for crypto transactions.
Revolut is a digital banking platform that integrates cryptocurrency trading alongside traditional financial services.
With a user-friendly mobile app, it allows customers to buy, sell, and stake crypto while managing their everyday banking needs.
Crypto-Friendly Features
Buy and Sell Crypto – Users can trade over 50 cryptocurrencies, including Bitcoin, Ethereum, and Cardano, directly within the Revolut app.
Staking and Off-Chain Transfers – Customers can earn rewards by staking certain digital assets and send crypto instantly between Revolut users without network fees.
Crypto Spending – The app automatically converts crypto to fiat at checkout, allowing users to spend crypto using their Revolut card.
Market Automation – Users can set up auto-buy orders based on price triggers to streamline their crypto investments.
Limitations
No Crypto Withdrawals – While users can buy and sell crypto, withdrawals to external wallets are not available in all regions.
Transaction Fees – Crypto trades may include fees unless users upgrade to a premium or metal plan.
Revolut makes crypto accessible by integrating it with everyday banking, though limitations on withdrawals may be a drawback for those who prefer full control over their crypto.
Vast Bank is a full-service national bank that stands out for its direct integration of cryptocurrency services.
It allows customers to buy, sell, and hold crypto within their banking accounts while maintaining the security of a federally regulated financial institution.
Crypto-Friendly Features
Integrated Crypto Banking – Customers can manage both traditional checking accounts and crypto accounts in one place.
Direct Crypto Purchases – Users can buy and sell Bitcoin, Ethereum, and other supported cryptocurrencies through the Vast Crypto Banking app.
Federally Regulated – As a nationally chartered U.S. bank, Vast Bank operates under federal oversight, providing security and legitimacy to its crypto services.
Traditional Banking Services – Customers have access to FDIC-insured checking accounts, debit cards, mobile deposits, and bill pay alongside their crypto assets.
Limitations
No FDIC Insurance for Crypto – While fiat deposits are protected, crypto stored in Vast Bank accounts are not FDIC-insured.
Limited Crypto Selection – The platform supports a curated list of cryptocurrencies, which may not include all digital assets users want to trade.
Vast Bank bridges the gap between traditional banking and crypto, offering a secure way to manage your crypto within a regulated financial institution.
BankProv is a forward-thinking financial institution that supports cryptocurrency businesses and blockchain-related banking.
With a focus on commercial banking solutions, it provides crypto-friendly services tailored to fintech companies, exchanges, and crypto mining operations.
Crypto-Friendly Features
Crypto-Backed Loans – Businesses can secure loans using Bitcoin or Ethereum as collateral, providing liquidity without selling assets.
Business Banking for Crypto Companies – BankProv offers specialized accounts for crypto exchanges, blockchain startups, and Bitcoin ATM operators.
ProvXchange Network – A real-time payment network that allows businesses to send and receive funds instantly, supporting fast transactions in the crypto industry.
Infrastructure Lending – Crypto miners can access loans for purchasing mining equipment and expanding operations.
Limitations
No Retail Crypto Services – BankProv primarily serves businesses, with no direct crypto trading or personal accounts for individual users.
Regulatory Risks – As a federally regulated bank, its crypto policies may change based on regulatory developments.
BankProv is a strong option for businesses in the crypto industry, offering specialized financial products tailored to blockchain companies and digital asset enterprises.
Juno is a fintech platform that bridges traditional banking with cryptocurrency by offering hybrid accounts that support both cash and digital assets.
It provides a seamless way to manage everyday banking while earning and investing in crypto.
Crypto-Friendly Features
Fee-Free Crypto Trading – Users can buy, sell, and hold cryptocurrencies like Bitcoin and Ethereum without paying trading fees.
Hybrid Accounts – Customers can manage both fiat and crypto in one platform, with the ability to convert paychecks into crypto automatically.
Crypto Rewards – Juno offers cashback in crypto for purchases, along with a loyalty program that allows users to earn JCOIN tokens for additional perks.
ATM Access and Payment Integration – The platform supports cash withdrawals via Allpoint and MoneyPass® ATMs and integrates with Apple Pay, Google Pay, and Samsung Pay.
Limitations
No FDIC Insurance for Crypto – While cash balances are protected, crypto holdings are not insured by regulatory bodies.
Limited Crypto Selection – The platform supports a curated list of cryptocurrencies rather than a full exchange experience.
Juno provides an easy-to-use banking solution for those looking to integrate crypto into their everyday finances while earning rewards on their digital asset holdings.
SoFi is an online bank that combines traditional banking with investment services, including cryptocurrency trading.
Through its SoFi Invest platform, users can buy and sell crypto alongside stocks, ETFs, and fractional shares.
Crypto-Friendly Features
In-App Crypto Trading – Users can trade over 20 cryptocurrencies, including Bitcoin, Ethereum, and Dogecoin, directly within the SoFi app.
All-in-One Financial Platform – SoFi integrates crypto trading with personal loans, banking, and investment services, making it easy to manage multiple financial needs in one place.
Security and Compliance – Crypto transactions are facilitated through a partnership with Coinbase, and SoFi follows regulatory guidelines to ensure security.
Educational Resources – SoFi offers guides, glossaries, and beginner-friendly materials to help users learn about cryptocurrency.
Limitations
No Crypto Withdrawals – Users cannot transfer crypto to external wallets, meaning assets must be bought and sold within the SoFi platform.
Trading Fees – A 1.25% markup is added to crypto transactions, making it more expensive than some dedicated crypto exchanges.
SoFi provides an easy way for beginners to get started with crypto, but the inability to withdraw assets limits its appeal for those who want full control over their holdings.
Standard Chartered is a global financial institution that has expanded its involvement in cryptocurrency by offering digital asset custody and exploring stablecoin issuance.
It primarily serves institutional clients looking for secure crypto-related banking services.
Crypto-Friendly Features
Digital Asset Custody – Provides secure storage solutions for Bitcoin, Ethereum, and other cryptocurrencies, with services available in the UAE and expanding into Europe.
Institutional Support for Crypto Assets – Provides trading and blockchain-based financial products designed for large-scale investors
Stablecoin Development – Partnering with Animoca Brands and HKT to create a Hong Kong dollar-backed stablecoin, positioning itself at the forefront of regulated digital currency solutions.
Regulated Banking Framework – Operates under strict financial guidelines, ensuring regulatory compliance and security for crypto-related transactions.
Limitations
No Retail Crypto Banking – Services are focused on institutional clients, with no direct crypto trading or banking solutions for individual users.
Limited Crypto Accessibility – Unlike fintech platforms, Standard Chartered does not provide consumer-facing crypto wallets or direct exchange services.
Standard Chartered is one of the most crypto-friendly traditional banks, offering institutional-grade custody and blockchain financial services while working within regulatory frameworks to develop stablecoin initiatives.
Mercury is a fintech banking platform designed for startups, fintech companies, and Web3 businesses.
It offers a range of financial services, including seamless access to cryptocurrency exchanges, making it a strong choice for companies operating in the crypto space.
Crypto-Friendly Features
Seamless Transfers to Crypto Exchanges – Businesses can easily send funds to major exchanges like Coinbase and Gemini without restrictions.
API Banking for Automation – Mercury provides programmable banking solutions that allow businesses to automate payments, treasury management, and secure crypto transactions.
No Minimum Balance Requirements – Unlike traditional banks, Mercury does not require startups or businesses to maintain a minimum balance.
Advanced Treasury Tools – Companies can manage and invest idle cash in short-term yield products while keeping funds liquid.
Limitations
Business-Only Services – Mercury is not available for personal banking, as its services are tailored to startups and tech-focused companies.
No Direct Crypto Services – While it facilitates transfers to crypto exchanges, Mercury does not offer direct crypto trading or custody.
Mercury is a top choice for crypto-focused businesses looking for a banking partner that integrates seamlessly with cryptocurrency platforms and financial automation tools.
Axos Bank is a digital-first financial institution that has integrated blockchain-based payment solutions and investment options for cryptocurrency exposure.
While it doesn’t offer direct crypto trading, it provides financial products that allow customers to invest in crypto.
Crypto-Friendly Features
Blockchain-Powered Payments – Supports business clients with TassatPay, a private blockchain network that enables real-time transactions 24/7.
Crypto-Related ETFs – Offers access to exchange-traded funds (ETFs) focused on cryptocurrency investments, including the Bitwise 10 Crypto Index Fund (BITW) and ProShares Bitcoin Strategy ETF (BITO).
Digital-First Banking – Provides a fully online banking experience with features that support fintech and crypto businesses.
Business Banking for Crypto Companies – Works with blockchain startups and fintech companies to provide business accounts and financial infrastructure.
Limitations
No Direct Trading – Customers cannot buy, sell, or hold cryptocurrencies directly through Axos.
Primarily Institutional Services – Most crypto-friendly features are aimed at businesses rather than individual retail customers.
Axos Bank offers blockchain-powered financial solutions and crypto investment options, making it a viable choice for businesses and investors looking for indirect exposure to crypto assets.
PayPal is a widely used digital payment platform that has expanded into cryptocurrency services, allowing users to buy, sell, and hold select crypto assets.
While not a traditional bank, its crypto-friendly features make it a convenient option for everyday crypto transactions.
Crypto-Friendly Features
Buy, Sell, and Hold Crypto – Supports Bitcoin, Ethereum, Litecoin, and Bitcoin Cash, with transactions available directly in the PayPal app.
Crypto Checkout – Users can pay at millions of merchants by converting crypto to fiat at checkout.
External Transfers – Allows users to withdraw crypto to external wallets and exchanges, enhancing flexibility.
Regulated Custody – Crypto transactions are facilitated through Paxos, a regulated digital asset provider, ensuring compliance and security.
Limitations
Limited Crypto Selection – Supports only a handful of cryptocurrencies compared to dedicated exchanges.
Transaction Fees – Buying and selling crypto involves fees that may be higher than those on major exchanges.
PayPal makes crypto accessible to everyday users by integrating it with its payment ecosystem, though it lacks the advanced features of full-fledged crypto exchanges.
Ally Bank is a popular online bank that provides seamless integration with cryptocurrency exchanges, allowing users to fund their accounts without restrictions.
While it does not offer built-in crypto trading or wallet services, it remains a solid option for those managing digital assets through third-party platforms.
Crypto-Friendly Features
Exchange-Friendly Transfers – Ally accounts can be linked to platforms like Coinbase and Kraken for direct fiat deposits.
Investment Exposure – Ally Invest offers access to stocks and ETFs tied to blockchain technology.
Unrestricted Transactions – Unlike some banks, Ally does not block transfers to or from crypto exchanges.
Limitations
No Direct Crypto Access – Ally Bank does not support buying, selling, or holding crypto assets.
Lack of Crypto-Specific Tools – No crypto-backed loans or debit cards for spending digital assets.
Investment Restrictions – Crypto exposure is limited to stocks and ETFs rather than direct token trading.
For those who need a traditional bank that won’t interfere with crypto transactions, Ally Bank is a reliable choice. However, those seeking integrated digital asset management will need to look elsewhere.
How to Choose the Right Crypto-Friendly Bank
Not all crypto-friendly banks offer the same level of support for digital assets. Some make it easy to buy, sell, and spend crypto, while others have strict limitations. Before opening an account, consider these key factors:
Crypto Trading Support – Can you buy, sell, and hold cryptocurrencies directly through the bank? Some platforms offer built-in trading, while others require third-party exchanges.
External Wallet Withdrawals – Does the bank allow you to transfer crypto to an external wallet, or are you limited to in-app transactions? If withdrawals aren’t allowed, you may not have full control over your assets.
Crypto-Backed Loans – Do they offer loans using Bitcoin or Ethereum as collateral? Some banks let you borrow against your crypto without selling it, which can be useful for maintaining long-term investments.
Fees & Exchange Rates – Are transaction fees competitive, or are you paying higher spreads compared to traditional crypto exchanges? Check for any hidden fees when buying or selling cryptocurrency.
Security & Insurance – Does the bank provide FDIC insurance for fiat deposits? While crypto holdings are typically not insured, the bank should have strong security measures such as encryption, two-factor authentication, and cold storage for crypto assets.
Choosing the right crypto-friendly bank depends on your financial goals. If you need easy crypto access for everyday use, a platform like Cash App might be enough. But if you’re looking for long-term investment solutions or crypto-backed loans, a bank like BankProv or Vast Bank could be a better fit. Always review the bank’s policies before making a decision.
Bottom Line
Choosing the right crypto-friendly bank depends on how you use digital assets. If you’re looking for an easy way to buy and sell Bitcoin, platforms like Cash App and SoFi provide simple solutions.
For businesses dealing with crypto transactions, BankProv and Mercury offer specialized financial services. Those who want a mix of traditional banking and crypto access may find Wirex or Juno to be strong options.
Before opening an account, review each bank’s fees, withdrawal policies, and security measures to avoid surprises. Some platforms charge higher transaction fees, while others limit crypto withdrawals to external wallets.
Crypto regulations are constantly evolving, and banks may adjust their policies in response. Staying informed about changes will help you make the best decision for managing your cryptocurrency.
Frequently Asked Questions
What makes a bank crypto-friendly?
A crypto-friendly bank is one that supports and facilitates cryptocurrency transactions, storage, and trading. These banks typically offer a range of services tailored to the needs of digital asset users, such as integration with popular crypto platforms, crypto-backed loans, and the ability to spend crypto using a debit card.
Can I store my cryptocurrencies in a traditional bank account?
While some banks offer crypto-friendly banking services, cryptocurrencies are typically stored in digital wallets rather than traditional bank accounts. However, most crypto-friendly banks provide integration with popular crypto wallets and exchanges, allowing you to manage your crypto alongside your fiat currency.
Are crypto-friendly banks safe and secure?
Many crypto-friendly banks are FDIC-insured and follow strict regulatory requirements to ensure the security of your assets. It’s essential to research each bank’s security measures, such as two-factor authentication, encryption, and secure storage of crypto before choosing a crypto-friendly bank.
How do I choose the best crypto-friendly bank for my needs?
To choose the best crypto-friendly bank for your needs, consider the range of crypto services offered, the bank’s reputation, and any fees associated with their services. You may also want to look for banks that provide educational resources, customer support, and a user-friendly platform for managing your crypto.
Can I use a debit card to spend my cryptocurrencies?
Some crypto-friendly banks and financial service providers offer debit cards that allow you to spend your crypto just like traditional fiat currency. These cards typically convert your cryptocurrencies to the local currency at the point of sale, making it convenient to use crypto for everyday transactions.
Do crypto-friendly banks offer loans and credit products?
Some crypto-friendly banks offer crypto-backed loans and lines of credit. These products allow you to leverage your crypto without selling it, providing greater financial flexibility for crypto users.
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