Find a bank that speaks crypto

Thirty-six banks, scored on what they actually let you do with digital assets. Answer four questions and meet your match in under a minute.

CBL Scores for 36 banks · 8 criteria · dated sources

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1,083 sourced checks, 616 criteria scored across 36 banks and 41 cards, 889 bank comparisons and 78 cash-out routes, 1,233 pages and 37 closure policies rated, sources last checked 20 October 2026.

Choose your bank

Four questions. Your match.

Tell us where you are and what your money needs to do. We'll show the banks that say yes.

Where are you based?

Who is the account for?

What must it do? Pick what matters.

Will you sell crypto P2P and receive buyers' transfers?

No strong match for that combination yet. Loosen one requirement, or browse the full index below.

The index

All 36 banks, scored in the open

Every bank is rated yes, partial, or no on eight criteria. Combine the filters. The most common combinations have their own page with its own address.

Type
Region
Must have

Stablecoin cards

Stablecoin cards, scored the CBL way

Every list online scores cashback. CBL scores who issues the card, what it costs to fund and use, and what happens when it gets frozen. Cashback is shown on each profile as a dated fact and never scored.

Wirex One

13/16 Health: Watch

Get the card →

Bleap Card

12/16 Health: Watch

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COCA Card

12/16 Health: Watch

Get the card →

Krak Card

12/16 Health: Watch

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KAST

11/16 Health: Watch

Get the card →

Ethena Pay

10/16 Health: Watch

Get the card →

Plasma One

10/16 Health: Watch

Get the card →

CBL may earn a referral fee if you sign up through a link on this page. Referral links never change the Card Score.

See all 41 scored cards →

Exchange rails

How the money actually moves

Every exchange sells crypto. What differs is the banking: how euros get in and out, and how strictly names must match. The one rule everywhere: transfers must come from and go to an account in your own name.

SEPA in and out, instant options via banking partners, strict own-name matching. The partner behind bunq's in-app crypto, which says plenty about its standing with banks.

Dutch, MiCA-licensed, iDEAL and SEPA. The smoothest rails in the Benelux and a natural pair with Dutch banks.

SEPA rails good enough that banks white-label them: the engine behind N26 and Raiffeisen crypto. Own-name transfers, EEA-wide.

EUR deposits and withdrawals run through third-party banking providers and vary by country. Expect stricter checks and slower recoveries when something snags; its banking history is the bumpiest of the majors.

SEPA via partner providers, availability shifting country by country as MiCA licensing settles. Fine for trading; test small before routing a serious cash-out.

SEPA through European partner providers, growing EEA presence under MiCA. Same rule as everywhere: own-name transfers only, and test the rail with a small amount first.

Some links are referral links. They never affect what we write about an exchange, including the critical parts.

The Teller

Notes from the counter

Short, straight pieces on banks, crypto, and the space between them. New notes twice a week.

When it goes wrong

Frozen Account Survival Kit

Your account is frozen. The money you were counting on is suddenly behind glass, nobody at the bank will tell you why, and every hour feels personal. It isn't. Take a breath. This page is the calm walkthrough of what happened and what to do next.

Why this happens

  • Almost every freeze is an automated anti-money-laundering system reacting to a pattern.
  • The usual trigger: an incoming transfer from someone the bank does not know. A P2P buyer, a chain of e-money accounts, or a crypto word in the payment reference.
  • Often it is the sender's history that trips the alarm, not anything you did.
  • A freeze is a question, not a verdict.

The first 48 hours

  • Respond fast, and in writing.
  • Gather evidence before they ask: exchange statements in your name, the transaction history behind the money, proof of where funds originated.
  • Answer exactly what they ask. Complete and honest.
  • Keep every message. Speed and completeness shorten a review.

What not to do

  • Don't rage at support. The person reading your file can close it well.
  • Don't rush remaining funds out in a panic. That movement mimics the pattern that triggered the freeze.
  • Don't invent a story. A false explanation turns a review into a closure.
  • Don't open a new account with untrue answers. It can follow you across banks.

How long, and when to escalate

  • Reviews genuinely take days to weeks, and banks are often legally forbidden from telling you why.
  • Past their stated timelines: file a formal written complaint.
  • Complaint exhausted: go to your country's banking ombudsman or financial complaints authority.
  • Those routes are free, and banks answer to them.

Never be here again

  • The structural answer to a frozen account is simple: never depend on one institution.
  • Keep a self-custody wallet for your crypto, a card from a second provider for spending, and an account at a bank that scores well on the CBL criteria above.
  • Three legs. No single point of failure.

Practical guidance from community experience, not legal advice. For large sums or a closure, a lawyer who knows banking law in your country is worth the call.

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For companies

Your startup deserves a bank account too

Getting a business account as a Web3 company is still the hardest part of the job. The index marks every bank that opens its doors to crypto businesses, so you skip the twelve rejections and start with the yes.

Tell us about your company and we will name the banks that fit

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For people

Made for how you actually hold money

Some of your money is in a bank. Some of it lives on-chain. You should not need two financial lives to manage that. We rate the banks that treat both as normal, because for you they are.

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