A stablecoin off-ramp means you can turn USDC, USDT or a euro token back into money in a bank account. Six providers do this in full: Wirex converts stablecoin top-ups 1:1 into EUR or USD with no spread, Revolut keeps USDC after dropping USDT in the EEA on 31 August 2026, Monerium burns EURe into euros at any SEPA account, SG-FORGE redeems EURCV and USDCV at par for institutions, BCB Group converts USDC into SEPA for businesses, and Rebind withdraws to any IBAN. The partial scores are footholds rather than services you can use today: Bunq sells 300 coins in-app but takes no inbound deposits, BBVA converts USDC only at its Swiss bank, and Santander · Openbank, Deutsche Bank and Raiffeisen NÖ-Wien have no customer-facing stablecoin product. LHV fails because it offers only 'other crypto assets' under MiCA and no e-money tokens, Commerzbank fails because it handles bitcoin and ether alone, and N26 fails because nothing can be transferred in or out.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Wirex | 14/16 | Neobank | Unknown | Strict | Yes. Crypto moves freely in and out, but the card cannot buy crypto elsewhere and the old app lost its crypto features in the EEA on 30 June 2026. |
| Revolut | 13/16 | Neobank | Watch | Mixed | Yes for individuals, with the deepest crypto stack of any app-bank. No for crypto businesses. |
| Bunq | 12/16 | Neobank | Watch | Mixed | Yes for retail through the Kraken-powered bunq Crypto tab, and for licensed CASPs on a fiat-only business account. Coins cannot leave the app. |
| Rebind | 11/16 | Neobank | Watch | Unknown | Yes for euro transfers through a personal Monerium IBAN, but Rebind is an app, not a bank, and it never names exchanges. |
| Monerium | 10/16 | Business banking | Solid | Strict | Yes. Monerium is built for moving euros between bank rails and your own wallet, but its terms ban using the IBAN for P2P crypto platforms. |
| BCB Group | 10/16 | Business banking | Watch | none | Yes for crypto businesses and institutions, no for individuals. BCB is a payments and settlement provider, not a bank. |
| BBVA | 9/16 | Traditional | Solid | Mixed | Yes. BBVA sells and holds bitcoin and ether inside its own app in Spain, Switzerland and Türkiye, but the Spanish service is a closed loop and moving coins out costs 4%. |
| SG-FORGE | 7/16 | Traditional | Solid | none | Yes for institutions and crypto firms, no for individuals. SG-FORGE is a stablecoin issuer and custodian, not a retail bank. |
| Deutsche Bank | 6/16 | Traditional | Watch | none | Yes for crypto businesses and institutions, not yet for individuals. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Wirex is the most direct: a USDC top-up becomes a EUR balance 1:1 with no spread, then leaves by SEPA. Rebind takes USDC into its savings and withdraws to any IBAN with no fee from Rebind or Monerium. Revolut still supports USDC in the EEA and sells it in-app, though USDT support ended on 31 August 2026. BCB Group names USDC for conversion into SEPA, but for business clients.
Monerium issues EURe and is built around it. SG-FORGE issues EURCV, which individuals can buy through Bitstamp, Bitvavo, Bitpanda and Bullish Europe. Wirex sends EURC on-chain, Rebind holds EURe and EURC in its savings, and Revolut launched a euro stablecoin in August 2026. Deutsche Bank's link to EURAU runs through its asset manager DWS and is not something a customer can use.