Crypto Friendly Banks for Investors: The Ultimate Guide (2025)

As cryptocurrencies become more widely used, investors require trustworthy banking partners who can facilitate easy transactions. Whether trading, staking, or running a crypto-based business, it is important to identify the best crypto-friendly banks.

However, what precisely qualifies a bank as crypto-friendly? Which institutions provide the finest services to digital asset investors? Furthermore, how can you use these banks to grow your portfolio?

In this article, we'll explore the best crypto-friendly banks, their features, and how they cater to individual investors and businesses. We'll also look at banking alternatives and key considerations when choosing a financial partner for your crypto ventures.

Key takeaways

• Crypto-friendly banks facilitate seamless transactions and exchange integrations by bridging the gap between traditional finance and digital assets.
• The best crypto bank is determined by several factors, including fees, business services, accepted currencies, and geographic accessibility.
• Some crypto-friendly banks offer specialized services like crypto-backed loans, high-yield accounts, and institutional trading support.
• Businesses in the blockchain space should prioritize banks with tailored solutions like API banking and custody services.

What makes a bank crypto-friendly?

Not all banks welcome cryptocurrency transactions. Most crypto-friendly banks offer services designed for digital asset investors and businesses. Here's what to look for:

Support for crypto purchases and transfers

An actual crypto friendly bank allows users to buy, sell, and transfer cryptocurrencies directly from their accounts. Some banks integrate with major exchanges like Binance and Coinbase, while others provide built-in trading platforms.

Low fees and transparent pricing

Hidden fees can significantly reduce profits, particularly for aggressive traders. Competitive transaction costs, low withdrawal fees, and transparent pricing structures are essential features of the best crypto-friendly banks.

Business banking solutions

If you're running a startup or a Web3 company, seek banks that offer business accounts with multi-currency support, API access, and integrated compliance tools. These features streamline crypto operations and provide financial agility.

Crypto-backed loans and yield products

Some institutions let investors earn interest on stablecoin holdings or use crypto as collateral for loans. These services provide new avenues for portfolio growth without needing to liquidate assets.

Security and regulatory protection

Look for banks that offer FDIC-insured accounts (where applicable), along with robust authentication protocols. These measures add a layer of security to your crypto holdings.

Geographic availability

Some crypto-friendly banks only operate within specific countries or regions. Ensure that your chosen provider is accessible from your location and compliant with local laws.

Best crypto-friendly banks for business and investors in 2025

Revolut

Revolut is a top choice for crypto investors due to its seamless integration of traditional banking with digital assets. Users can buy, sell, and hold over 100 cryptocurrencies directly in the app. While Revolut doesn't support external wallet transfers, it's ideal for beginners looking for an easy entry into crypto.

Pros:

• Supports 100+ cryptocurrencies with easy in-app trading.
• Offers staking and recurring purchases for passive investors.
• Business accounts are available for crypto companies.

Cons:

• No external wallet transfers.
• Higher fees for free-tier users.

BankProv

BankProv is a US-based organization that focuses on blockchain and cryptocurrency enterprises. It provides Web3 entrepreneurs with specialized banking solutions, such as loans and custody services. Since business owners can use loans to invest in Web3 projects, this financial institution is regarded as one of the best crypto-friendly banks for business.

Pros:

• Specializes in crypto and blockchain business banking.
• Offers crypto-collateralized loans and API integrations.
• Has high-interest USD accounts for crypto firms.

Cons:

• Primarily serving US businesses, it has limited global access.
• Less user-friendly for retail investors.

Juno

Juno is technically not a bank but a digital banking platform that combines traditional banking with DeFi, allowing users to spend crypto via a debit card while earning yield on stablecoins. It's perfect for investors who want easy access to their digital assets.

Pros:

• Earn up to 5% APY on USDC holdings.
• Has a debit card for spending crypto like fiat.
• No hidden fees on conversions.

Cons:

• Limited crypto selection compared to exchanges.
• Not available in all countries.

Kraken Financial

Leading cryptocurrency exchange Kraken opened its own crypto-friendly bank to provide direct cryptocurrency trading and FDIC-insured accounts. The solution is a one-stop shop for professional traders. Aside from becoming the first digital asset company in US history to be granted a bank charter recognized by federal and state law, Kraken has additional projects worth investing in.

Pros:

• Direct link to Kraken's exchange liquidity.
• FDIC-insured accounts with crypto trading.
• Business accounts for crypto-native companies.

Cons:

• Requires a Kraken exchange account.
• Limited to supported jurisdictions.

Chase Bank

While not exclusively a crypto bank, Chase has adapted to serve digital asset investors with certain limitations. The bank allows connections to major exchanges but maintains conservative policies on crypto transactions.

Pros:

• Has an established reputation and FDIC insurance.
• Allows transfers to/from verified crypto exchanges.
• A vast network of branches and ATMs.

Cons:

• May block or question large crypto transactions.
• No direct crypto trading or custody services.
• Conservative approach to crypto businesses.

Mercury

Mercury is a popular digital banking solution for startups, including crypto and Web3 companies. It provides strong business banking features with some crypto-friendly flexibility.

Pros:

• Startup-friendly with an easy account setup.
• Supports transactions with crypto exchanges.
• Strong API for business integrations.

Cons:

• No direct trading of cryptocurrency.
• May freeze accounts with heavy crypto activity.
• Limited personal banking options.

The rise of crypto-friendly banks has made it easier than ever for investors and businesses to manage digital assets alongside traditional finance. Whether you need a simple way to buy Bitcoin or a full-service banking solution for your blockchain venture, the options listed here provide excellent starting points.

If you want to explore beyond banking, platforms like Acquire.Fi open their doors to secondary markets for Web3 investments. As the financial landscape evolves, staying informed about the best crypto friendly banks will help you maximize opportunities in this fast-growing virtual space.