Best Crypto-Friendly Banks & Neobanks in 2026 (Global List)

Ally Bank has maintained its crypto-friendly stance since 2017, offering Coinbase integration and treating crypto transfers as legitimate financial activity without delays or blocks.

Mercury serves thousands of crypto startups, including Phantom and Rarible. It offers purpose-built infrastructure for Web3 businesses with the critical feature of displaying business names on wire transfers.

With 52.5 million customers and a full UK banking license (2025), Revolut offers the most integrated crypto banking experience with 90+ cryptocurrencies tradeable in-app.

Cash App’s 50+ million users can buy Bitcoin from as little as $1 with Lightning Network support. It is the simplest entry point for newcomers.

First Fortune 500 company to integrate Coinbase (2015), USAA maintains a nine-year crypto-positive track record exclusively for military members and families.

Quontic Bank is the first FDIC-insured bank to offer Bitcoin rewards (1.5% on debit purchases). The bank partnered with NYDIG to automatically accumulate Bitcoin through everyday spending.

Since launching the world’s first crypto debit card (2015), Wirex supports 100+ cryptocurrencies across 130+ countries with up to 8% cashback.

Processing $1.5 trillion in digital asset transactions (2024), Customers Bank provides critical infrastructure for institutions, partnering with Coinbase, Circle, Kraken, and Galaxy Digital.

While traditional banks like Ally and Mercury have adapted to serve crypto users, a new category of digital-first platforms has emerged. These are Crypto Neobanks.

Crypto neobanks are digital-first platforms that combine traditional banking with built-in crypto features, typically all in one app. 

Unlike traditional banks, which simply allow exchange transfers, neobanks let you buy, sell, hold, and spend crypto directly on their platforms, alongside regular checking and savings accounts.

Most operate through Banking-as-a-Service partnerships (e.g., Cash App works with Wells Fargo), offering FDIC-insured fiat accounts with proprietary crypto infrastructure on top. 

Note: Some platforms featured below operate as both a bank with a full banking license and a neobank.

A crypto-friendly bank allows crypto interactions without account closures, blocked transactions, or excessive scrutiny. 

“Crypto-friendly” exists on a spectrum of these services:

Key Services to look out for: Reliable wire transfers to exchanges, no credit card blocks, published crypto policies, high transaction limits, and business account availability.

For Personal Use:

• Casual Bitcoin buying: Cash App or Ally Bank
• Active trading: Revolut (UK/EU) or Ally + exchange (US)
• Long-term HODL: Ally Bank + hardware wallet
• Bitcoin rewards: Quontic Bank
• International spending: Wirex or Revolut
• Military families: USAA

For Business Use:

• Web3 startup: Mercury
• Traditional business with crypto: Ally Bank
• Exchange/MSB: Customers Bank or specialized partners
• International business: Revolut Business

Regulatory Status: Verify FDIC insurance (US), FCA authorization (UK), or equivalent protection. The 2025 Juno collapse showed risks of platforms lacking direct insurance.

Fee Comparison:

Transaction Limits: Personal accounts typically allow $10K-$100K+ in daily wire transfers, while business accounts range from $100K to unlimited.

• Juno — CLOSED SEPTEMBER 30, 2025: All services ending due to Synapse bankruptcy. Transfer funds immediately. Never directly FDIC-insured.
• Defunct: Silvergate Bank (liquidated March 2023), Signature Bank (seized March 2023).
• UK Restrictions: Chase UK (complete crypto payment ban), Barclays UK (banned crypto card transactions June 2025), most UK high-street banks frequently block transfers.

Warning Signs to look out for: Unexplained transaction declines, “reputational risk” language, no published crypto policy, reliance on troubled BaaS providers.

While the past few years have been tough, the narrative around traditional banking and crypto has shifted dramatically in 2026. 

Major financial institutions are now embracing digital assets, which is largely driven by regulatory clarity, customer demand, and competitive pressure.

• JPMorgan: JPMorgan now allows customers to fund Coinbase accounts via ACH without restrictions, a complete 180 from their previous blocking stance. Their blockchain division, Onyx, has expanded JPM Coin usage beyond institutional clients.
• Bank of America’s Crypto Division: After years of caution, BofA launched a Digital Asset Research team in late 2025, publishing bullish analyses of Bitcoin ETFs and recommending crypto exposure for diversified portfolios.
• Wells Fargo: Wells Fargo has launched Bitcoin-backed loans for institutional and high-net-worth clients and has invested in Bitcoin ETFs.

Regulatory Progress

• SAB 121 Rescission (January 2025): The SEC rescinded Staff Accounting Bulletin 121, which removed the primary regulatory barrier preventing banks from offering crypto custody.
• OCC Letter 1188 (December 2025): The OCC clarified that national banks CAN hold digital assets, provide custody, and facilitate crypto transactions without special charters.
• GENIUS Act: The bill, which was passed in July 2025, requires the FDIC to issue crypto custody guidance by mid-2026. Banks are positioning ahead of these rules.
• Stablecoin Framework (Expected Q2 2026): Bipartisan stablecoin legislation (Crypto Market Structure Bill) will likely trigger bank-issued stablecoins and deeper crypto integration.

As it is going, by late 2026, expect Citigroup, PNC, and US Bank to announce crypto services. However, it is worth noting that compliance will tighten further as stricter KYC/AML requirements take hold.

• Stay Diversified and Document Everything

Never rely on a single bank. Maintain accounts at 2-3 institutions for continuous access. The Juno collapse showed that even popular platforms can fail suddenly. Keep detailed records of all transactions, especially large transfers, as proof of legitimate activity.

• Self-Custody is The Best

Use banks for fiat rails only (holding dollars with FDIC insurance) while keeping crypto in your own wallets. For holdings over $10,000, use hardware wallets (E.g., Ledger or Trezor). No bank closure can affect the crypto you truly own. Withdraw exchange profits to self-custody regularly.

• Tax and Banking Relationships Matter

All US banks report to the IRS. Use crypto tax software (CoinLedger, Koinly, TaxBit) to properly track cost basis. For high-volume users, establish personal banking relationships, and call your banker before large wires ($100K+) to prevent blocks.

• The “Too Big to Bank” Problem

Seven-figure transfers trigger scrutiny even at crypto-friendly banks. Consider spreading large transactions across days or institutions. For portfolios over $5M, private banks (Goldman Sachs, Morgan Stanley) now offer digital asset services for UHNW clients.

• United States: Regulatory environment improved in 2025 (SAB 121 rescission, OCC guidance). Best strategy: FDIC-insured bank (Ally, Mercury) + regulated exchange (Coinbase, Kraken).
• United Kingdom: Challenging, as most major banks restrict crypto. Revolut (full banking license) is the clear winner.
• European Union: MiCA framework (effective January 2025) provides clarity. Revolut and N26 offer crypto trading. Swiss options (AMINA, Sygnum) for premium clients.
• Asia-Pacific: Singapore (DBS for accredited investors), Hong Kong (expanding VATP licensing), Japan (established framework with licensed exchanges).

The best crypto-friendly bank for you depends on your specific needs, location, and transaction volume.

• Best Overall Crypto-Friendly Bank (US): Ally Bank offers unmatched stability with FDIC insurance and reliable exchange connectivity.
• Best for Crypto Startups: Mercury remains the essential banking platform for Web3 companies with free wire transfers and startup-focused features.
• Best for International Users: Revolut offers comprehensive crypto integration, in-app trading, and multi-currency support.
• Best for Bitcoin Investors: Cash App (for active trading) and Quontic Bank (for passive rewards) serve Bitcoin-focused users.
• Best for Military Families: USAA’s decade-long crypto-positive track record makes it the obvious choice for eligible customers.

What to do From Here:

1. Evaluate your primary use case (personal banking vs. business banking significantly impacts your optimal choice).
2. Consider geographic factors affecting available options and the regulatory environment.
3. Prioritize account stability over cutting-edge features, as reliable access is most important.
4. Verify direct FDIC insurance rather than assuming fintech platforms provide equivalent protection.
5. Open accounts at 2-3 crypto-friendly banks to diversify risk and ensure continuous access.