Crypto-Friendly Banks Expand Globally Offering Secure Services

Crypto-friendly banks have expanded their services globally, offering both traditional and crypto financial services to millions of users. These institutions provide a secure and compliant environment for handling fiat and cryptocurrencies, catering to businesses, individuals, and institutions across various regions with a diverse range of financial products and characteristics.

A crypto-friendly bank is a regulated financial institution that supports services using digital assets on secure platforms. These banks allow users to store, trade, or convert cryptocurrencies without violating the law, often integrating classic banking with blockchain finance. They offer features such as crypto custody, debit cards, yield accounts, and one-click crypto-fiat conversions. Most of these banks adhere to anti-money laundering (AML) and know-your-customer (KYC) regulations to ensure the security of funds and users. Some also provide staking, business API banking, and access to decentralized financial services, making them increasingly relevant with the growing demand for crypto services worldwide.

Some of the most prominent international crypto-friendly banks in 2025 include Revolut, Juno, Mercury, and Wirex. These banks offer services such as crypto trading, multi-currency wallets, debit cards, and passive income accounts, with platforms that span various jurisdictions while ensuring regulatory compliance.

Revolut supports over 30 digital assets in Europe, Asia, and North America, offering inbuilt fiat-crypto accounts and safe vaults to generate interest on idle crypto assets. Their crypto cards allow international spending by both business and personal users. Juno provides staking services, crypto-backed loans, and AI banking services, enabling users to manage assets seamlessly. It offers independent accounts for both fiat and crypto transactions, catering to individuals and businesses needing flexible digital banking.

Mercury serves US-based enterprises and crypto organizations with tools like virtual IBANs, asset lending, and secure APIs. It insures deposits and complies with US financial regulations, featuring an efficient onboarding platform for crypto firms. Wirex offers cross-border crypto payments and its own currency (WXT) for DeFi operations, with support in over 130 countries and ATM withdrawal capabilities. Customers can transfer and use both crypto and fiat with a single account.

In the US, leading crypto banks include JPMorgan Chase, The Customers Bank, Ally Bank, and Evolve Bank. JPMorgan collaborates with crypto investors, offering institutional-grade research and interest in banking large crypto companies. The Customers Bank facilitates 24/7 USD settlement via blockchain to all exchanges and stablecoin issuers. Ally Bank provides limited crypto exposure through ETFs and crypto-related shares, facilitating bank-to-exchange transfers but not offering custody or wallets directly. Evolve Bank has collaborated with Mastercard to offer crypto cards pegged to USD stablecoins. Capital One supports crypto-related usage with mobile banking tools and widely available ATMs, allowing validated withdrawals and deposits to and from exchanges.

In Europe, AMINA Bank, SolarisBank, Bank Frick, and Clear Junction facilitate licensed and regulated crypto banking. AMINA provides broad digital asset solutions, including trading, custody, and lending. SolarisBank enables fintechs to incorporate crypto into their systems. In the UK, Monzo, Lloyds, NatWest, and Metro Bank enable bank-to-exchange transfers but restrict in-house crypto offerings, prioritizing account security and compliance with the Financial Conduct Authority (FCA) requirements.

In the Asia-Pacific region, DBS Bank in Singapore leads with its DBS Digital Exchange, facilitating the buying and selling of significant cryptocurrencies and numerous fiat currencies. It offers custody and blockchain investment services to accredited users. SBI Sumishin Net Bank in Japan uses AI and blockchain in its digital banking, providing blended platforms for lending, settlements, and reserves. Mizuho Bank works with institutional investors to tokenize and safeguard cryptocurrency funds. Fiat Republic and BCB Group provide cross-border banking solutions for crypto companies, allowing real-time fiat access and instant payments.

Choosing the right crypto bank depends on the user's type, location, service demands, and risk appetite. Users should focus on mobile applications, debit card usage, and currency selection. Companies should seek API access, multi-user accounts, and compliance tools. It is essential to ensure the bank is properly licensed, provides insurance for fiat deposits, and offers features like cold storage, transaction notifications, and live care. Transparency in fees and account terms is crucial for long-term trust. Users should compare supported assets and fiat currencies, as well as the bank's links with popular exchanges and digital wallets. Customer reviews and performance histories can also assure a reliable experience.

Future trends in crypto banking include real-time analytics, algorithmic trading processors, and the overall growth of DeFi. Established financial institutions are entering the market, bringing stability and innovation. Tax reporting tools and integration with hardware wallets are becoming standard. As regulatory solutions become clearer in the US, UK, and Europe, banks will adopt digital asset policies more confidently, enhancing investor protection and attracting more institutional funds. High security measures, such as complex biometric authentication and multi-level authentication, will also be enhanced. The world of crypto banking will continue to expand, allowing seamless exchange of fiat and digital currencies, tokenized bank services, and broader use of crypto payments in everyday business.

In 2025, crypto-friendly banks provide a necessary infrastructure that introduces crypto assets into a regulated and safe environment. Their services benefit individuals, institutions, and firms, preparing the global financial system for the acceptance of blockchain technology. With continued innovation, regulation, and accessibility, these banks may dominate the future of finance.