A bank that passes both tests will open an account for a crypto company and let it turn stablecoins back into bank money, which is the combination treasury teams and exchange operators ask for most. Sygnum and AMINA Bank lead at 15 of 16, Xapo Bank and Wirex follow at 14, and the rest split into Swiss and Liechtenstein banks (Bank Frick with USDC only, Bitcoin Suisse with USDC and EURC), Europe's settlement layer (Monerium burning EURe to any SEPA account, BCB Group settling USDC into SEPA or Faster Payments, ClearBank minting and redeeming EURC and USDC through Circle Mint), US institutional rails (Anchorage Digital minting and redeeming USDtb, PYUSD and USDe, Cross River Bank landing USDC as dollars in an insured account) and Gulf banks (Zand Bank with AEDZ, USDT and USDC, Singapore Gulf Bank with USDC mint and redeem from USD 100,000). Swissquote, SG-FORGE, Standard Chartered, DBS, Deutsche Bank, Custodia Bank and Mercury pass with partials, mostly because their banking for crypto firms is case by case or institutional and their stablecoin route is limited, as with Mercury, which wires to exchanges but cannot hold a stablecoin in the account, and bunq passes with a partial on both since its CASP business account is fiat only. Revolut fails the business test because it bans exchanges, brokers, on and off ramp providers and other crypto firms, the closed-loop retail banks (PostFinance, BBVA, Santander Openbank, Raiffeisen NÖ-Wien, Zürcher Kantonalbank, Luzerner Kantonalbank, RAKBank, Liv) fail it because they publish nothing for crypto businesses, and LHV, N26, Commerzbank and ruya fail the stablecoin test because they list no stablecoin, LHV offering only 'other crypto assets' under MiCA.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Sygnum | 15/16 | Crypto-native | Solid | none | Yes, but only for qualified investors, companies and institutions. Sygnum does not take retail clients. |
| AMINA Bank | 15/16 | Crypto-native | Solid | none | Yes, but only for professional clients and companies. Individuals need CHF 500,000 in assets plus finance experience, or CHF 2 million. |
| Swissquote | 15/16 | Neobank | Solid | Strict | Yes, with fenced on-chain flows: crypto comes in only from six named exchanges or your own wallet, and never goes out to an exchange. |
| 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. |
| Bank Frick | 13/16 | Crypto-native | Solid | none | Yes for crypto businesses, intermediaries and wealthy private clients. No walk-in retail. |
| Anchorage Digital | 12/16 | Crypto-native | Solid | none | Yes for institutions, no for individuals. |
| 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. |
| Bitcoin Suisse | 11/16 | Crypto-native | Solid | none | Yes, for people with CHF 50,000 or more. It is a crypto broker and custodian, not a deposit bank. |
| Singapore Gulf Bank | 10/16 | Crypto-native | Unknown | none | Yes. Built for crypto firms, with a USD personal account that plugs straight into Binance Bahrain. |
| 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. |
| 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. |
| Cross River Bank | 8/16 | Business banking | Watch | none | Yes for crypto businesses and fintech partners, which is who the bank is built for. Individuals can bank here too, but get no crypto features. |
| Zand Bank | 8/16 | Business banking | Solid | none | Yes for licensed businesses and institutions, no for individuals. |
| RAKBank | 8/16 | Traditional | Solid | none | Yes. Crypto trading is built into the app, but it is a closed loop run by Bitpanda, and exchange transfer rules are not published. |
| 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. |
| DBS | 7/16 | Traditional | Solid | none | Yes for accredited and institutional investors, with a closed loop. Ordinary retail customers get bank rails to licensed exchanges but no crypto trading at DBS. |
| ClearBank | 7/16 | Business banking | Solid | none | Yes for regulated crypto businesses, no for individuals. |
| Deutsche Bank | 6/16 | Traditional | Watch | none | Yes for crypto businesses and institutions, not yet for individuals. |
| Custodia Bank | 3/16 | Crypto-native | Caution | none | Not really. Custodia is a chartered Wyoming bank, but today it sells blockchain infrastructure to other banks and publishes no customer account, no fiat rail and no exchange transfer service. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Monerium is the most direct route: EURe sent back to Monerium is burned and paid out as euros to any SEPA bank account, in about five seconds over SEPA Instant. BCB Group converts USDC into fiat settled by SEPA or Faster Payments for its business clients, and Wirex converts stablecoin top-ups 1:1 into a EUR balance with no spread and offers business accounts through Wirex Business. Sygnum and AMINA Bank convert USDC and USDT to fiat inside CHF, EUR and USD accounts, though both take only qualified or professional clients and companies. Bank Frick does it too, but USDC is the only stablecoin it lists.
Yes, but mostly for institutions. Anchorage Digital mints, redeems and exchanges eligible stablecoins including USDtb, PYUSD and USDe, ClearBank mints and redeems EURC and USDC at par through Circle Mint for onboarded regulated institutions, and Cross River Bank has minted and redeemed USDC for Circle since March 2023. SG-FORGE mints EUR CoinVertible and USD CoinVertible 1:1 after institutional onboarding, Zand Bank mints AEDZ, USDT and USDC against an AED current account through ZandMint, and Singapore Gulf Bank mints and redeems USDC on Solana for corporate and high net worth clients with a USD 100,000 minimum per transaction.