7 Most crypto-friendly banks in Europe

Global cryptocurrency adoption is evolving in real time, with more people discovering its potential. Fuelled by the rise of DeFi platforms and crypto’s monetary hedge in volatile economies, this expansion can be seen in several sectors, especially the banking industry. This sector has witnessed a rapid market acceptance of crypto assets and on-chain advancement. The mass entry of traditional finance into crypto isn’t far-fetched. There have been more demands for accessible banking, lower transaction or conversion fees, advanced security protocols, and innovative financial products. With the current high stakes, crypto banks are the future of seamless finance. Thankfully, more crypto-friendly banks are popping up, especially in Europe, where smoother on/off ramps can be accessible. 

A recent report revealed that blockchain deployment could help banks save over $27B on cross-border settlements by 2030, cutting on-chain transaction costs by 11%.  Also, with a CAGR of 28.12%, the crypto banking industry is projected to grow from $6.79B in 2025 to $63.15B by 2034. It’s clear from the data that this sector is bound to keep building momentum. For businesses and crypto enthusiasts who value inclusivity and security, this guide is designed to walk you through the top 7 banks that support crypto transactions across Europe. These top-tier banks deliver reliable infrastructure, seamless payments, and built-in features to support financial growth for businesses. Without further ado, let’s get into it. 

What Makes a Bank Crypto-Friendly?

Determining the crypto-friendliness of a bank revolves around several factors. Before exploring these points, let’s define what a crypto bank means.

A crypto bank is a financial entity that bridges the gap between traditional finance and the digital asset ecosystem by specifically catering to cryptocurrencies. It also provides services that enable individuals and institutions to trade, access loans, accrue interest on deposits, and safeguard their digital assets. These banks serve diverse users, including retail investors, developers, traders, DeFi users, etc, with a full spectrum of crypto services. Essential features of a crypto-friendly bank include;

• Combined access to crypto and fiat currencies.
• Seamless integration of financial solutions without the need for third-party exchanges.
• Swift and borderless transactions with low fees, better rates, and interest on crypto deposits.
• Modern and practical solutions beyond conventional banking services, such as DeFi access, NFT integrations, or staking directly in-app.
• Adherence to local and international crypto regulations.

What is the Main Difference between Traditional Banks and Crypto-Friendly Banks?

Unlike traditional banks, which focus on government-issued fiat currencies, crypto-friendly banks can be identified based on certain key indicators. Even though the latter primarily deal with digital currencies, they offer services that typically go beyond just crypto. 

Crypto banks are distinct based on the range of services they provide and how they integrate crypto with traditional banking. They fall into various categories, which are;

• Crypto-only banks with exclusive crypto-related services such as staking, wallets, lending, asset loans, etc. 
• Financial service platforms that combine a wide array of services from both traditional banks and crypto platforms, such as fiat banking services, crypto-to-fiat exchanges, etc.
• Financial institutions that integrate seamlessly with traditional payment systems for easy conversion and provide resources for using crypto for payment and transactions.

7 Best Crypto-Friendly Banks in Europe

Revolut

Revolut is a finance platform headquartered in the UK that provides various financial tools and resources to over 50 million users. As a hybrid crypto bank, it blends traditional banking services with a comprehensive suite of cryptocurrency options. Established in 2015, the platform challenges major banking issues like high fees by offering fast and affordable currency exchange and transfers. Users can access over 21 wallet partner platforms, making crypto banking as easy as possible.  

Key Services 

• Multi-currency account for managing up to 34 currencies.
• A minor account and debit card with custom sub-accounts and analytical tools.
• Revolut Ramp for direct-to-wallet crypto purchases at low rates.
• Free ATM withdrawals abroad with zero mid-week exchange fees.
• Redeemable RevPoints for seat upgrades and rewards with over 30 top airlines.
• Physical and virtual debit cards with tools for expense management.
• Loyalty programs, exclusive benefits, and premium perks for paid plans.

Supported Crypto: 

BTC, ETH, USDT, XRP, BNB, SOL, DOGE, ADA, TRX, and over 230 vetted tokens.

Best for

Revolut stands out as a comprehensive all-in-one finance app that combines fiat banking, crypto assets, and stock trading into one streamlined experience. 

AMINA Bank (former SEBA Bank)

AMINA Bank is a Swiss-based bank established in 2019 to change the outlook of crypto services from being an afterthought in banking. As the first regulated bank to provide NFT custody, the financial institution provides various digital asset offerings, including staking, lending, trading, etc. It was previously known as SEBA Bank and has a strong global presence with offices in Singapore, Hong Kong, India, the UAE, and Switzerland. Its focus on crypto-related services positions it among Europe’s top crypto-friendly banks.

Key Services 

• Custody services to deposit, store, and transfer NFTs.
• Hot Wallet with multi-party computation, hardware security modules, and multi-authentication system to secure digital assets.
• A cold Wallet with a comprehensive recovery disaster system and stand-alone storage.
• Fiat and Cryptocurrency loan system.
• AMINA Gold Token (AGT) to secure fine gold via tokenisation.

Supported Crypto

BTC, ETH, ADA, AVAX, DOT, SOL, USDC, UNI, XTZ, and over 15 cryptocurrencies.

Best for

AMINA Bank shines as a financial entity with comprehensive regulatory licensing across multiple jurisdictions. The bank has a crypto license from Hong Kong’s Securities and Futures Commission (SFC). It also holds a financial license from the Financial Services Regulatory Authority of Abu Dhabi Global Market (ADGM) and a Swiss banking and securities dealer license from FINMA. 

Bunq

Bunq is a Dutch virtual bank established in 2012 with over 14 million users. It allows for easy trading of over 300 cryptocurrencies without the necessity of an independent crypto exchange. With the platform’s tiered subscription model, individuals can choose the banking experience that suits their preferences and needs. The bank is fully backed by the Dutch Central Bank (DNB), cementing its status as a key player in the crypto finance industry.

Key Services 

• Tricount expense tracker app for managing group finances.
• Tiered subscription plan with added value at each stage.
• Over 10 bookkeeping integrations to automatically synchronise transactions between a Bunq account and any of the selected software.
• 10 EUR signup bonus in Bitcoin on the Bunq app.
• Zerocopter and other security measures to prevent fraudulent activities.
• Free business bank account option with limitless transactions yearly.
• Cashbacks on EUR and every business card payment.

Supported Crypto

BTC, ETH, and over 350 cryptocurrencies.

Best for

Bunq’s partnership with Kraken and its collaboration with Nvidia AI enhance the platform’s offerings, particularly in artificial intelligence (AI)-driven financial services. This is made possible through highly secure, AI-enhanced crypto trading experiences directly within a traditional banking app. 

LHV

LHV is a UK-based, savings-focused bank dedicated to helping individuals and businesses with SME lending solutions and personal savings options. Established in 2018, the platform works with global fintech companies to provide groundbreaking financial solutions. It is customer-centric, aiming to encourage self-sufficiency through its real-time payments, open banking, and FX solution features. With full authorisation from the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), it remains one of the top crypto-friendly banks in Europe.

Key Services 

• Zero fees on foreign card payments.
• Eligible deposits receive protection up to £85,000 from the Financial Services Compensation Scheme.
• 0.5% service fee for crypto trading.
• Interest-earning model for fiat deposits.
• End-to-end card acquiring for multiple currencies via cloud-native API.
• Spot trades offered in 15 major currencies.
• Open banking and Payment Initiation Service Provider (PiSP) to over 6500 banks.

Supported Crypto

BTC, ETH, LTC, and 12 other cryptocurrencies. 

Best for

LHV provides a consolidated mobile interface for both traditional banking and crypto transactions, encouraging inclusivity. Entrepreneurs can access rapid commercial loan processing through various lending options. Although it’s not a crypto lender, individuals and businesses can enjoy its modern hybrid solutions. Partnership with Bitstamp also facilitates crypto trading and provides adequate liquidity.

Bank Frick

Bank Frick is  Liechtenstein frontliner in regulated blockchain banking, serving its customers since 1998. As a multi-solutions provider, corporate clients and financial middlemen can access a variety of services. The organisation's crypto environment offers blockchain-based asset-backed loans, tokenised asset portfolios, and high-volume fund transfers. This innovative approach to banking solidifies its status as a top crypto-friendly bank in Europe.

Key Services 

• Customised service bundles with added value for each plan.
• Bank Frick xPulse for fiat transaction settlement regardless of working hours or weekends.
• Proof of funding for crypto/blockchain business incorporation.
• Extensive portfolio of capital market offerings and individualized debt tools.
• Scalable and customisable services for UK and non-European fund structures.

Supported Crypto

AVAX, BTC, BCH, ADA, and 12 other cryptocurrencies.

Best for

Bank Frick is renowned for its expertise in crypto banking, enabling financial solutions solely for intermediaries like asset managers, insurance companies, etc. 

Monzo

Monzo is a fully remote bank delivering advanced financial solutions to over 12 million customers. As a licensed UK-based bank, the platform adheres to regulations by the FCA and PRA since its inception in 2015. It effortlessly merges with several regulated cryptocurrency exchanges to provide crypto trading services to its clients.

Key Services 

• Zero-entry savings pot with perks and max amounts.
• 3.50% - 4.00% AER interest with instant access savings.
• Untaxed interest accumulation.
• Diversified investment options with skilled portfolio management.
• Automatic savings rounding system and fixed-term savings plan.

Clear Junction

Clear Junction is a fiat and crypto correspondent banking institution focused on transforming cross-border payments since 2016. By seamlessly blending fiat and cryptocurrencies, Clear Junction provides a global payment system that is both safe and secure for users. As a UK-based platform, it strictly complies with the Financial Conduct Authority (FCA) regulations. Its partnership with hundreds of global regulated financial service providers ranks it among the top cryptocurrency banks for seamless transactions.

Key Services 

• Transparent fee structure for remittances.
• Virtual account for managing multiple currencies. 
• E-Money account for corporate businesses.
• An integrated open banking system for managing payments and account setup.
• Automated solutions for financial institutions to process global payouts via API or portal, with FX conversion for maximum efficiency.
• Educational hub for platform users.

Supported Crypto

Cryptocurrencies available are not explicitly stated.

Best for

Clear Junction strategically acquired Altalix, integrating its fiat-to-crypto gateway solutions and enhancing operational efficiency for its customers. Through this acquisition, the financial organisation offers a unified platform with end-to-end payment infrastructure.

Supported Crypto

The platform does not explicitly support a specific number of cryptocurrencies, but customers can use a Monzo account with various exchanges.

Best for

Monzo Bank offers the advantage of integrating crypto access through regulated third-party exchanges, allowing users exposure to crypto while maintaining strict compliance and safeguarding customer trust.

FAQs

Is It Easy for Users to Interact with Banks that Offer Crypto Services?

Due to the seamless synchronisation of conventional banking with crypto financial services, it becomes more convenient for users to engage with these banks. Features like open banking, cross-platform integration, an app-based approach, and a regulated environment improve customer experience. 

Which European Bank is the Best Choice for Crypto Businesses?

Among our top-rated bank options, Bank Frick emerges as a suitable choice for individuals and crypto businesses. Unlike many others that offer a mix of retail-focused features and limited crypto access, the organisation is intentionally built to serve specific types of customers (intermediaries and professional clients). Its features and infrastructures are tailored to its target audience seeking to leverage digital assets without liquidating them. It also offers legal certainty and operational stability, making it an all-inclusive financial solution for blockchain enterprises looking for scalability, liquidity, and long-term growth.

Do Crypto-Friendly Banks Charge Higher Fees than Regular Banks?

Crypto-friendly banks in SEPA often offset fees associated with crypto custody, trading, or blockchain-based transfers with low cross-border transaction rates. They also ensure higher interest rates on deposits and reduced reliance on intermediaries. While some may charge higher fees for certain transactions and conversions, they often reflect the added value of enhanced security, regulatory compliance, and access to advanced digital asset services. Platforms such as AMINA bank have a fee structure for their institutional-grade offerings. Meanwhile, others like LHV and Revolut maintain competitive rates.

Do the Banks Featured in this Article have Customer Support that Understands Crypto-Related Issues?

Our top 7 premier bank selections offer customer support that grasps crypto-related issues and meets the needs of users navigating both traditional and digital finance. These banks provide 23 hours to 24/7 availability through multi-channel support, including in-app chat, email, and dedicated hotlines. Institutions like AMINA Bank and Bank Frick have dedicated crypto support units and client relationship managers to guide intermediaries and professionals. Platforms such as Revolut, Bunq, and Monzo also integrate AI chatbots alongside human agents to ensure rapid resolution of issues. Additionally, many of these banks maintain educational hubs that provide guides, FAQs, etc, for users to conduct crypto operations confidently.

Conclusion

As the lines between traditional and digital asset banking continue to blur, crypto-friendly banks are no longer the exception. They’re becoming the blueprint for the future of finance. By leveraging the robust infrastructure, regulatory foresight, and innovative tools offered by these European banks, businesses and individuals secure more than just access. They gain a strategic advantage. Now more than ever, tapping into crypto banking isn’t just about managing digital currencies. It’s about getting smarter, faster, and more inclusive financial growth in an evolving economy.