Earn on the balance and spend it on a card: this is the retail combination, and every provider that passes it is open to UK individuals. BCB Group and ClearBank fail both tests, with no staking and no cards, Standard Chartered stakes ETH for institutions through Zodia but has no crypto card, and LHV has a UK debit card but no staking until after its 2026 MiCA licence. Revolut scores 2 on both, staking 16 tokens at up to 22% APY and spending from a crypto balance on a card that is free as a virtual card. Xapo Bank and Wirex are partial on yield because they pay interest rather than staking rewards, Xapo at 3.35% on USD and 0.25% on Bitcoin, paid daily in Bitcoin, and Wirex at up to 9.75% APY through Earn, each paired with a full Visa card.
| 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. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Revolut. It stakes 16 tokens including ETH, SOL, ADA, DOT, ATOM and ALGO at an advertised rate of up to 22% APY, and its crypto card spends directly from a chosen crypto balance with Apple Pay and Google Pay. It does list 'some cryptocurrency exchanges' as unsupported recipients for fiat transfers, and it blocks crypto withdrawals to addresses it links to unsupported exchanges.
Yes, at Xapo Bank. The Visa debit card pays up to 1% cashback in Bitcoin with no FX markup, and the account pays 0.25% variable on Bitcoin and 3.35% variable on USD savings, both daily in Bitcoin, on balances up to 2 BTC. Membership is USD 1,000 a year, and UK residents cannot make USD transactions or use lending products. Wirex pays its interest through Earn and its cashback in USD, so the Bitcoin-on-Bitcoin combination is Xapo's alone on this list.