Which banks in the EU are crypto friendly?

14 banks in the EU carry a CBL Score. Wirex (14 of 16), Revolut (13 of 16), Bunq (12 of 16) lead the list. 10 of the 14 open to ordinary retail customers; the rest take businesses, institutions or qualified investors.

Every scored bank in the EU

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.
N26	6/16	Neobank	Watch	Mixed	Partly. You can buy and sell crypto inside the app through Bitpanda, but nothing moves in or out, and N26 publishes no rule either way on transfers to outside exchanges.
Deutsche Bank	6/16	Traditional	Watch	none	Yes for crypto businesses and institutions, not yet for individuals.
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.
Commerzbank	4/16	Traditional	Watch	none	Yes for large German corporate clients, no for individuals.

Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.

How the EU regulates this

MiCA, the EU's crypto-asset regulation, has applied to service providers since 30 December 2024. National transition periods ended on 1 July 2026, so a bank or app offering crypto in the EU now needs its own authorisation or a licensed partner. source
ESMA keeps the interim registers of authorised providers and of e-money token white papers. BBVA, N26, LHV and Revolut's Cyprus entity hold their own authorisations. Monerium's EURe and SG-FORGE's EURCV are notified e-money tokens. source
Where a bank white-labels a partner, the partner holds the licence and the coins. N26 and Raiffeisen run on Bitpanda, bunq on Kraken. In those setups coins usually cannot leave the bank. source
Anti-money-laundering enforcement is where EU banks bite. BaFin fined N26 in 2021 and 2024 and Deutsche Bank in 2025, DNB fined bunq in 2025, and Estonia's regulator fined LHV in 2023. An inbound transfer from a stranger is the usual freeze trigger. source
Bank deposits are covered up to EUR 100,000 by national guarantee schemes. Crypto held through a bank or its partner sits outside every scheme, and the terms say so. source

Every list for the EU

By bank type

Crypto-native banks in the EU (0)Neobanks in the EU (5)Traditional banks in the EU (6)Business banking providers in the EU (3)

By what the bank lets you do

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