Business accounts for Web3 means the bank will onboard a company whose business is crypto, and 23 of the 36 pass. The full-score group spans Swiss and Liechtenstein banks (Sygnum, AMINA Bank, Bitcoin Suisse, Bank Frick), US and Gulf institutions (Anchorage Digital, Xapo Bank, Singapore Gulf Bank, Zand Bank) and European and US rails (Wirex, LHV, Monerium, BCB Group, ClearBank, Cross River Bank). Partial scores go to banks with conditions attached: bunq takes MiCA-licensed CASPs on a fiat-only account, Swissquote serves Swiss SMEs, Deutsche Bank and DBS bank named exchanges case by case, Commerzbank needs EUR 500,000, and Mercury takes startups but not exchanges or MSBs. The 13 that fail are mostly retail apps: Revolut bans crypto businesses outright, Santander · Openbank and Liv · Emirates NBD offer no business accounts, N26 Business is for self-employed people under their own name, Wio Bank turns away exchanges and custodians according to third-party guides, and PostFinance, BBVA, the two cantonal banks, Raiffeisen NÖ-Wien, ruya, RAKBank and Rebind publish nothing for crypto firms.
| 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. |
| 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. |
| 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. |
| Commerzbank | 4/16 | Traditional | Watch | none | Yes for large German corporate clients, no for individuals. |
| Mercury | 4/16 | Business banking | Watch | none | Partly. Crypto startups, DAOs and funds get accounts and can wire to exchanges, but Mercury bans exchanges and MSBs and lists buying or selling crypto through the account as grounds for closure. |
| 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.
Sygnum, AMINA Bank and Bank Frick take DLT companies, foundations and Web3 startups, and AMINA has a zero-fee startup package. Xapo Bank takes businesses and digital asset treasuries. Wirex Business serves Web3 companies, ClearBank banks firms still going through their FCA or PRA application, and Cross River Bank and Mercury take US-registered startups, though Mercury bans holding or trading crypto in the account. Bunq and Zand Bank want a licence first.
AMINA Bank, Singapore Gulf Bank, Anchorage Digital and Zand Bank all name exchanges and market makers on their own pages. BCB Group and ClearBank bank Coinbase, Kraken and Gemini. Deutsche Bank banks Bitpanda and Bullish, and DBS holds Crypto.com's Singapore fiat rails. Revolut, Mercury and Wio Bank refuse exchanges.