Custody means the provider holds coins for you rather than just moving fiat around them. ClearBank is out because it offers no crypto custody at all; clients keep control of their own wallets. The full passes split by customer: Xapo Bank holds Bitcoin 1:1 through its GFSC-regulated VASP with MPC key sharding, Revolut holds crypto for individuals in the UK under its FCA cryptoasset registration, and Standard Chartered custodies Bitcoin and Ether for institutions through Zodia Custody and a DFSA licence, with nothing for retail. The partials each come with a limit: LHV holds the 15 assets you buy in-app but will not let them leave the bank, Wirex holds balances as an e-money institution with no deposit protection on either fiat or crypto, and BCB Group's crypto services are for business clients, with trading closed to most UK residents.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Xapo Bank | 14/16 | Crypto-native | Solid | Unknown | Yes. Bitcoin and stablecoins are the core product, though the bank publishes no policy on transfers to exchanges. |
| 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. |
| 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. |
| Standard Chartered | 8/16 | Traditional | Watch | none | Yes for institutions, through spot trading, custody and stablecoins. Retail customers get little beyond the Mox app in Hong Kong. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Xapo VASP Limited, a GFSC-regulated DLT provider in Gibraltar, holds it 1:1 with MPC key sharding. Deposits and withdrawals work on-chain and over Lightning, with Lightning capped at USD 1,000 per invoice and USD 5,000 per 24 hours. Send only Bitcoin: any other digital currency sent to a Xapo Bitcoin address is lost.
LHV. You can buy, sell and hold 15 crypto assets inside the LHV app, but transferring them to an external wallet or exchange is blocked, and you cannot send crypto in either. To move value out you sell inside the bank and withdraw euros. Revolut and Xapo Bank both allow withdrawals to external wallets, with Revolut blocking addresses it links to unsupported exchanges.