Passing this test means the provider states, or demonstrates, that money can move between your account and a crypto exchange. Wirex, LHV, Monerium and BCB Group score full: Wirex takes crypto from any exchange address and runs SEPA both ways, LHV's UK arm banks Coinbase and Bitstamp, Monerium accepts SEPA from any bank while banning P2P platforms, and BCB settles directly with exchanges. The partial scores each carry a catch: Revolut lists some exchanges as unsupported recipients, Bunq's risk engine can block payments it flags, BBVA customers report occasional blocks when paying Coinbase, SG-FORGE reaches individuals through exchanges rather than accounts, Santander · Openbank's rules vary by country, Raiffeisen NÖ-Wien publishes no policy in a market where banks stop such inbound payments, and Rebind never names exchanges. N26, Deutsche Bank and Commerzbank fail because none of them publishes a rule on transfers to or from exchanges, and at N26 nothing moves in or out at all.
| 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. |
| LHV | 9/16 | Business banking | Solid | Relaxed | Yes. Crypto trading is built into the Estonian app, and the UK arm banks Coinbase and Bitstamp, but coins cannot leave the 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. |
| Santander · Openbank | 7/16 | Traditional | Solid | Strict | Yes for buying crypto inside the bank, with a closed loop that is slow and costly to leave, and exchange transfers that vary by country. |
| Raiffeisen NÖ-Wien | 4/16 | Traditional | Watch | Mixed | Yes for buying crypto inside the banking app, but it is a closed loop and only for Austrian residents. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Wirex, LHV, Monerium and BCB Group are the four with a clear yes. Wirex takes crypto deposits from any exchange address it supports and SEPA in and out, and LHV treats euro transfers to fund a purchase or take out proceeds as ordinary payments. Monerium is fine with exchanges but its terms forbid using the IBAN for coins bought or sold on centralised P2P platforms. BCB Group only serves businesses.
Mostly, with caveats. SEPA transfers from a Spanish BBVA account to MiCA-authorised exchanges are reported to go through as ordinary payments, but some customers report individual card or transfer blocks and the Bank of Spain says banks may block on AML grounds. Santander says it does not restrict fiat arriving from an exchange, but Santander UK caps outgoing payments to exchanges at 1,000 pounds per transaction and has blocked Binance since 2021, and Openbank's stance varies by country.