9 Most crypto friendly banks in Europe

Global adoption of cryptocurrencies is evolving daily as more individuals and businesses recognise the potential of decentralised finance and seek a hedge against volatile markets. Driven by innovations in DeFi and growing demand for low fee cross border transfers, secure IBAN accounts and native crypto services, traditional banks and EMIs are racing to offer tailored solutions. Europe has emerged as a hotspot for crypto friendly banking thanks to clear regulation and vibrant fintech ecosystems. Below you will find criteria for evaluating a crypto friendly bank followed by detailed profiles of eleven top institutions providing euro accounts, fast on and off ramps, API integrations and more.

What makes a bank crypto friendly

Determining whether a bank earns the title crypto friendly depends on several characteristics. Look for providers that unite fiat and digital assets without third party bridges, offer low cost global payments and support earning on crypto holdings. The ideal partner will include direct on and off ramps to major blockchains, seamless integration with exchanges and P2P platforms, modern security protocols and compliance with both local and international crypto regulations.

Zen.com — seamless multi currency IBAN accounts

Founded in 2018 and authorised by the Bank of Lithuania, Zen.com combines multi currency IBANs with virtual and physical Visa cards. Businesses benefit from full SEPA and SWIFT access, mass payouts via API and built-in stablecoin on and off ramps for top assets.

Key Services

• Multi currency business IBAN for euros and over 30 other currencies

• Virtual and physical cards for ATM withdrawals and point of sale payments

• Developer-friendly API for payroll and merchant payouts

• In-app conversion between fiat and leading stablecoins

Supported Crypto

BTC, ETH, USDT, USDC and more than 30 others

Best for

Companies needing a single account to manage global fiat and crypto flows in one interface

Wirex — digital finance meets crypto rewards

Established in 2014, Wirex serves over six million users under e-money licences in the UK and EU. It holds more than 35 fiat and crypto balances on one platform and offers rewards of up to eight percent back in Bitcoin or Litecoin on everyday spending.

Key Services

• Fee free ATM withdrawals up to 200 EUR each month

• Physical and virtual Visa or MasterCard debit cards

• Wirex X account earning 20 percent annual yield on stablecoins

• Dedicated relationship managers to accelerate business onboarding

• Exclusive OTC desk for high-volume crypto and fiat exchanges

Supported Crypto

BTC, ETH, LTC, LINK, ADA and over 60 more tokens

Best for

Web3 companies seeking a unified account and card system with real time crypto to fiat conversions

Revolut — fintech banking reimagined

Launched in 2015, Revolut holds both an EU banking licence via Lithuania and a UK banking licence. Business accounts include up to 34 currency balances under one IBAN, integrated crypto ramps and mass payout functionality.

Key Services

• Multi currency IBAN with instant SEPA and SWIFT transfers

• Built-in crypto module for buying, selling and holding digital assets

• Batch payments and mass payouts via API

• Corporate cards with spend controls and rewards programmes

Supported Crypto

BTC, ETH, LTC, BCH, XRP and more than a dozen others

Best for

Growing startups seeking on demand FX, instant payouts and in-app crypto access

AMINA Bank — Swiss banking for digital assets

Formerly SEBA Bank and launched in 2018, AMINA Bank holds full banking and dealer licences from FINMA. It delivers institutional grade custody, trading and tokenisation to enterprise clients.

Key Services

• Segregated custody for cryptocurrencies and tokenised real world assets

• On chain staking with yield distribution

• Custom tokenisation of equities, funds and real estate

• Deep OTC liquidity and prime brokerage support

Supported Crypto

BTC, ETH, DOT, ADA, SOL and wide ERC-20 coverage

Best for

Institutional investors and large corporates requiring Swiss level oversight and advanced digital asset infrastructure

bunq — Dutch banking with crypto perks

Founded in 2012 under a DNB licence, bunq provides a mobile first bank experience. It integrates directly with Kraken, enabling in-app crypto purchases for personal and business accounts.

Key Services

• Up to 25 subaccounts under a single IBAN

• Real time push notifications for every transaction

• In-app swap between fiat and crypto via Kraken

• Open API for treasury automation

Supported Crypto

BTC, ETH, XRP and other top tokens available via Kraken

Best for

Digital nomads and small teams seeking modular accounts with easy exchange connectivity

LHV Pank — Baltic bank with crypto integration

Operating since 1999 and supervised by the European Central Bank, LHV Pank pioneered direct exchange integration for business clients. It offers automated tax reports and real time trading rails.

Key Services

• Dedicated business IBANs with instant payment rails

• In-house crypto gateway powered by Bitstamp

• Automatic tax reporting on every transaction

• Corporate debit cards linked to IBAN balances

Supported Crypto

BTC, ETH, LTC and other major tokens

Best for

Firms needing seamless on and off ramps and built-in compliance for EU operations

Bank Frick — Liechtenstein pioneer in blockchain

Founded in 1998, Bank Frick gained the first licence under Liechtenstein’s Blockchain Act. It offers tokenisation, professional custody and 24/7 payment rails.

Key Services

• End-to-end tokenisation of assets and securities

• Professional crypto custody with multi signature security

• xPULSE network for instant euro and CHF settlements

• Staking and yield strategies for institutional clients

Supported Crypto

ETH, DOT, ADA, SOL plus bespoke security token offerings

Best for

Asset managers and institutional clients needing customised token solutions and strict regulation

Clear Junction — B2B payments and virtual accounts

Since 2016, Clear Junction has held an FCA EMI licence alongside cryptoasset registration in the UK. It specialises in virtual IBANs and correspondent banking for exchanges and OTC desks.

Key Services

• Virtual IBANs in EUR, GBP and USD

• Direct correspondent accounts for settlement

• API for reconciliation and mass payments

• High throughput rails for trading platforms

Supported Crypto

Settlement rails for BTC, ETH and major tokens

Best for

Crypto exchanges and OTC operators requiring direct fiat rails without intermediary banks

Mistertango — Lithuanian speed and simplicity

Established in 2018, Mistertango focuses on transparent pricing and fast onboarding. It provides business IBANs with SEPA and SWIFT transfers via an API first approach.

Key Services

• Business IBANs for SEPA and SWIFT

• Clear tiered pricing by transaction volume

• API for fully automated transfers

• Rapid KYC process

Supported Crypto

Ideal for arbitrage desks moving BTC, ETH, USDT and other stablecoins

Best for

Hedge funds and traders needing straightforward transfers between crypto platforms