Crypto-friendly banks and dollar accounts
The hardest part of holding on-chain dollars is not the token — it is the bank account on either side of it. These providers accept crypto-related payments, support USD (and often EUR) rails, and in several cases let you convert to and from stablecoins in-app.
Tick up to four providers to compare them side by side.
| Compare | Provider | Custody | Dollar assets | Chains | KYC | Fiat rails | Yield | Network | Currencies | Regulator | Regions | Best for |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revolut Consumer neobank with an in-app crypto brokerage and multi-currency USD/EUR accounts. Card includedMulti-currency | Custodial | — | Yes | Yes | — | — | — | —EU (e-money) · UK (FCA) · EU (MiCA CASP) | UK, EEA, US and selected other markets | Everyday spending with a fiat account and light crypto exposure in one app | ||
Wise Multi-currency account with local USD/EUR/GBP details and low-cost FX; no native crypto trading. Local USD detailsNo native crypto | Custodial | Fiat only | — | Yes | Yes | — | — | — | —EU (e-money) · UK (FCA) · US (FinCEN MSB) · Australia (AUSTRAC) | Global (account features vary by country) | Cheap cross-border fiat legs around an exchange on-ramp | |
Mercury US business banking platform widely used by startups, including crypto-adjacent companies. Business onlyUSD wires | Custodial | Fiat only | — | Yes | Yes | — | — | — | —US (bank charter) | US business entities | Company treasury operations that need USD wires and ACH | |
Bank Frick Liechtenstein bank with an explicit digital-asset banking practice for corporate and institutional clients. InstitutionalLicensed bank | Custodial | Fiat only | — | Yes | Yes | — | — | — | —Switzerland (FINMA) | EEA / Liechtenstein, institutional | Institutional fiat rails for a licensed crypto business | |
Sygnum Swiss and Singapore licensed digital-asset bank offering custody, trading and banking in one relationship. InstitutionalRegulated custody | Custodial | — | Yes | Yes | — | — | — | —Switzerland (FINMA) · Singapore (MAS) | Switzerland, Singapore, EU professional clients | Regulated custody plus banking under one roof | ||
AMINA Bank FINMA-licensed Swiss bank serving institutions and qualified private clients across fiat and digital assets. InstitutionalFINMA licensed | Custodial | — | Yes | Yes | — | — | — | —Switzerland (FINMA) | Switzerland, Abu Dhabi, Hong Kong | Qualified investors wanting a bank-grade counterparty | ||
Xapo Bank Gibraltar-licensed bank combining USD accounts with bitcoin and stablecoin balances for members. MembershipUSD + crypto | Custodial | — | Yes | Yes | — | — | — | —Offshore only | Members outside restricted jurisdictions | Holding USD and crypto with a single licensed counterparty | ||
Juno US consumer account that pays out salaries in USDC and converts between USD and stablecoins in-app. Salary in USDCCard included | Custodial | Yes | Yes | — | — | — | —US (FinCEN MSB) | US | Getting paid in USDC and spending in USD without an exchange leg | |||
Dakota Business banking platform holding balances in stablecoins with USD wire access. Business onlyUSD wires | Custodial | Yes | Yes | — | — | — | —US (FinCEN MSB) | Global business entities (US rails) | Startup treasury that wants stablecoin balances but fiat payables | |||
BVNK Business Account Business accounts with USD/EUR/GBP details and stablecoin settlement on the same balance. Business onlyMulti-currency | Custodial | Yes | Yes | — | — | — | —EU (e-money) · UK (FCA) | UK, EEA, and selected other markets | Merchants settling customer payments in fiat and stablecoins side by side | |||
BCB Group Payments institution providing fiat accounts and settlement rails to regulated crypto businesses. InstitutionalSettlement network | Custodial | — | Yes | Yes | — | — | — | —UK (FCA) · EU (e-money) | UK, EEA, Switzerland — institutional | Exchange and OTC desk banking with same-day settlement | ||
Customers Bank US bank serving digital-asset businesses with a real-time internal payments network. InstitutionalUS bank | Custodial | Fiat only | — | Yes | Yes | — | — | — | —US (bank charter) | US, institutional | 24/7 USD movement between US crypto counterparties | |
DBS Singapore bank with a licensed digital exchange arm for accredited and institutional clients. InstitutionalAPAC | Custodial | Fiat only | — | Yes | Yes | — | — | — | —Singapore (MAS) | Singapore, institutional / accredited | APAC institutions that need a bank and a venue under one roof | |
N26 EEA neobank with EUR accounts and an in-app crypto brokerage in selected markets. Card includedEEA | Custodial | Fiat only | — | Yes | Yes | — | — | — | —EU (e-money) | EEA | EUR banking that tolerates exchange transfers | |
bunq EU neobank widely used for SEPA transfers to and from regulated exchanges. SEPA instantCard included | Custodial | Fiat only | — | Yes | Yes | — | — | — | —EU (e-money) | EEA, UK | Fast SEPA legs around a European exchange | |
AMINA (EU) Regulated digital-asset bank offering fiat accounts alongside custody and trading. InstitutionalLicensed bank | Custodial | — | Yes | Yes | — | — | — | —EU (MiCA CASP) | Switzerland, Abu Dhabi, Hong Kong — institutional | One regulated counterparty for banking, custody and execution | ||
Quontic Bank US digital bank known for tolerating personal transfers to regulated exchanges. US bankRetail | Custodial | Fiat only | — | Yes | Yes | — | — | — | —US (bank charter) | US | A US personal account that will not flag routine exchange ACH | |
StraitsX Singapore payments institution and issuer of XSGD/XUSD, with SGD and USD accounts wired directly to on-chain settlement. MAS licensedIssuerAPAC | Custodial | Yes | Yes | No | — | SGD, USD, IDR | Monetary Authority of Singapore (Major Payment Institution)Singapore (MAS) | Singapore and selected APAC markets | SGD↔USD stablecoin settlement from a licensed APAC institution | |||
The Kingdom Bank Offshore digital bank offering multi-currency IBANs and crypto-tolerant onboarding for businesses that struggle with mainstream banks. OffshoreBusiness IBANHigher risk | Custodial | Yes | Yes | Varies | — | USD, EUR, GBP, TRY | Offshore banking licence (not EU/US deposit-guaranteed) | International (offshore licence — check eligibility) | Businesses needing crypto-tolerant IBANs outside the EU/US perimeter | |||
Fiat24 Swiss fintech bank whose account lives as an NFT in your own wallet, bridging Arbitrum balances to CHF/EUR/USD rails. SwissOn-chain accountCard included | Hybrid | Yes | Yes | No | — | CHF, EUR, USD | FINMA fintech licence (Switzerland)Switzerland (FINMA) | Switzerland, EEA and selected markets | On-chain-native banking where the account itself is a wallet object | |||
Monerium EEA e-money institution issuing regulated on-chain EUR/GBP/USD that settles straight to SEPA and your own wallet. E-money licenceSEPASelf-custodial | Self-custody | Yes | Yes | No | — | EUR, GBP, USD, ISK | Central Bank of Iceland (EMI, EEA passported)EU (e-money) | EEA | Receiving SEPA payments directly into a self-custodial wallet | |||
Nexo (Account) Custodial dollar and stablecoin account with card and credit lines; not a bank, so balances rely on Nexo's own balance sheet. Credit lineNot a bankCounterparty risk | Custodial | Yes | Yes | Yes | — | USD, EUR, GBP | Various EU/other registrations; not deposit-guaranteed | EEA, UK, LATAM and selected markets | Borrowing against crypto while holding a dollar balance in one place | |||
Kraken Financial (US) Wyoming SPDI-chartered arm of Kraken, built to hold dollars for crypto businesses under a state bank charter. SPDI charterInstitutionalUS | Custodial | — | Yes | Yes | No | — | USD | Wyoming Division of Banking (SPDI)US (bank charter) | US (institutional and business clients) | US businesses that need a chartered dollar counterparty | ||
Fabrick / Banca Sella Italian banking group with an open-banking arm that has supported crypto custody and euro rails for regulated clients. EU bankOpen banking | Custodial | Fiat only | — | Yes | Yes | Varies | — | EUR | Banca d'Italia | Italy and EEA | EU businesses needing a licensed bank comfortable with digital assets | |
Third-party US partner banks Many US fintech dollar accounts are not banks: balances sit at partner banks, and FDIC pass-through only applies if records are kept correctly. ExplainerPass-through FDIC | Custodial | Fiat only | — | Yes | Yes | Varies | — | USD | FDIC-insured partner banks (pass-through, conditional)US (bank charter) | US | Understanding who actually holds your dollars behind a fintech app | |
Wirex Account Multi-currency e-money account pairing fiat balances with stablecoin holdings and an integrated card. E-moneyCard included | Custodial | Yes | Yes | Varies | — | GBP, EUR, USD | E-money licences (UK/EEA)UK (FCA) · EU (e-money) | UK, EEA, APAC | One app for fiat balances, stablecoins and card spend | |||
ZEN.COM Lithuanian e-money institution with multi-currency accounts and cards, widely used by EU crypto-adjacent businesses. EMIBusiness IBAN | Custodial | Fiat only | — | Yes | Yes | No | — | EUR, USD, GBP, PLN | Bank of Lithuania (EMI)EU (e-money) | EEA | EU multi-currency IBANs with a tolerant onboarding process | |
Swan European banking-as-a-service provider powering embedded EUR accounts and IBANs for fintechs, including digital-asset firms. BaaSEmbedded IBAN | Custodial | Fiat only | — | Yes | Yes | No | — | EUR | ACPR (France, EMI)EU (e-money) | EEA | Embedding EUR IBANs into a product rather than opening one account | |
AMINA / Solidus-style private banks Category note: a handful of licensed private banks now offer stablecoin settlement to professional clients, usually with high minimums. Private bankHigh minimums | Custodial | — | Yes | Yes | Varies | — | USD, CHF, EUR | Bank licences (FINMA / DFSA / HKMA / MAS) | Switzerland, UAE, Hong Kong, Singapore | Professional clients who need a bank-grade stablecoin counterparty | ||
Meow US business account for startups that sweeps idle corporate cash into treasury bills instead of leaving it uninvested. T-bill sweepStartups | Custodial | Fiat only | — | Yes | Yes | Yes | — | USD | Partner banks / broker-dealer (US) | US business entities | Corporate treasury that wants T-bill yield on operating cash | |
Brex US business spend platform with cash accounts and money-market sweeps, used by many crypto-adjacent companies. Corporate cardsMoney-market sweep | Custodial | Fiat only | — | Yes | Yes | Yes | — | USD | Partner banks / broker-dealer (US)US (bank charter) | US and selected international entities | Corporate cards plus a treasury account in one stack | |
UK high-street challengers Category note: Monzo, Starling and similar UK challengers allow exchange transfers but apply strict limits and de-risking on crypto flows. ExplainerTransfer limits | Custodial | Fiat only | — | Yes | Yes | Varies | — | GBP, EUR, USD | FCA / PRA (UK) | UK | Knowing the limits before routing exchange transfers through a UK challenger |
Common questions
What makes a bank 'crypto-friendly'?
Three things: it accepts inbound and outbound transfers to regulated exchanges, it does not close accounts purely on crypto-related activity, and — at the better end — it offers native stablecoin conversion or on-chain withdrawals.
Is my balance insured?
Deposit insurance (FDIC in the US, deposit guarantee schemes in the EU/UK) applies only to fiat held at a licensed bank, and often only via partner banks. Stablecoin balances are never deposit-insured — they are a claim on the token issuer, which is why the issuer's reserve quality matters.
Can I earn yield on a USD balance?
Some fintech accounts pass through money-market or T-bill yield. That is economically similar to holding a tokenized treasury, but with a different risk profile: bank/fintech counterparty risk instead of smart-contract and issuer risk.
Which stablecoin should I hold in a bank-linked account?
Whichever one the provider redeems 1:1 without a spread. USDC and USDT dominate because they have the deepest secondary liquidity if the provider's own redemption route is ever gated.
Directory entries are hand-maintained and limited to facts we can verify from public sources: custody model, KYC, fiat rails, supported dollar assets, chains and regions. We do not publish fees or rates here because they change constantly — always confirm on the provider's own site. Nothing here is an endorsement or financial advice.