6 Best Crypto-Friendly Banks and Neobanks in 2026
The best crypto-friendly banks and neobanks in 2026 compared on regulation, crypto offered, fees and availability. See Xapo Bank, SoFi, bunq, N26, Cash App and Anchorage Digital.
Updated July 2026 · Reviewed by the PipeFlare team
Finding a crypto friendly bank requires looking at the regulatory license, the crypto assets supported, the fee schedule, and geographic availability. As of Oct 2026, banking services connected to digital assets range from licensed banks offering custody to neobanks that integrate third-party trading entities. Provider features, pricing plans, and supported regions change over time, so review current terms directly before opening an account.
Learn the difference between self-custody and a custodian before you choose where to hold crypto
Xapo Bank
Best for: Best for bitcoin savings at a Gibraltar-licensed bank
Xapo Bank Limited is regulated by the Gibraltar Financial Services Commission as a credit institution for fiat balances, while Xapo VASP Limited provides crypto services as a DLT provider. It offers USD and Bitcoin savings, stock investing, borrowing against Bitcoin, and card spending.
Strengths
Credit institution regulation for fiat balances
Bitcoin savings and borrowing up to 40% LTV
Three-layer custody using MPC technology
Limitations
Membership fee amount is not published
Country availability list is not published
Pricing: Membership fee amount Not published; no FX fees stated
SoFi
Best for: Best for crypto inside a US national bank
SoFi offers crypto products and services through SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. It supports cryptocurrencies, stablecoins, and its SOFID payment stablecoin alongside checking and savings accounts.
Strengths
National bank regulated by the OCC
Integrated checking and savings accounts
Offers SOFID payment stablecoin
Limitations
Supported digital asset list and fees are not published
State availability list is not published
Pricing: Not published on crypto page
bunq
Best for: Best for low trading fees on a paid plan
bunq is a European neobank providing crypto trading from 1 euro powered by Kraken. The app lets users trade Bitcoin, Ethereum, and over 350 other tokens, with trading fees tiered by the user's monthly banking plan.
Strengths
Over 350 coins traded through Kraken
Trading fees scale down to 0.25% on Elite plan
Automated round-ups and safety shield protection
Limitations
Paid plans cost up to 18.99 euros per month
Country eligibility list is not published
Pricing: Free 1.99%, Core 0.99%, Pro 0.49%, Elite 0.25%
N26
Best for: Best for crypto in a European banking app
N26 Crypto lets users buy, sell, and swap over 300 coins starting from 1 euro within its banking app. Crypto trading and cold storage are managed by Bitpanda Asset Management GmbH, licensed by the German Federal Financial Supervisory Authority.
Strengths
Over 300 coins available from 1 euro
Powered by Bitpanda, licensed by the German Federal Financial Supervisory Authority
N26 Metal tier discounts trading fees
Limitations
Standard transaction fee of 1.5% for Bitcoin and 2.5% for other coins
Eligible country list is not published
Pricing: 1.5% Bitcoin, 2.5% other coins; Metal 1% and 2%
Cash App
Best for: Best for bitcoin direct deposit and Lightning in the US
Cash App is a US financial services platform that partners with banks to provide banking services, while offering Bitcoin and stablecoin purchases from $1. It supports Bitcoin direct deposit, Lightning Network transfers, and round-ups.
Strengths
Direct deposit conversion into Bitcoin
Lightning Network send and receive support
Self-custody withdrawals permitted
Limitations
Specific trading fee percentages are on a separate page
Not licensable in all US states and territories
Pricing: Fee figures on separate fee page
Anchorage Digital
Best for: Best for institutions needing a chartered crypto bank
Anchorage Digital is a federally chartered crypto bank serving institutional clients. It provides qualified custody, prime trading, staking, USD accounts with wire and ACH support, and stablecoin issuance infrastructure.
Strengths
Federally chartered crypto bank
Institutional USD accounts, wires, and ACH
Qualified custody with on-chain access
Limitations
Restricted to institutional clients via contact form
Fee schedule is not published
Pricing: Not published
Summary comparison
| Option | Type and regulator | Crypto offered | Crypto fees | Availability |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| Xapo Bank | Gibraltar bank for fiat; separate DLT provider for crypto | USD and Bitcoin savings, card, bitcoin-backed loans | Membership fee amount Not published; no FX fees stated | Eligible members; country list Not published |
| SoFi | US national bank (SoFi Bank, N.A.), OCC regulated | Cryptocurrencies, stablecoins and SOFID stablecoin | Not published on crypto page | State list Not published |
| bunq | European neobank; Kraken entity provides trading | Bitcoin, Ethereum and 350+ other coins | Free 1.99%, Core 0.99%, Pro 0.49%, Elite 0.25% | Country list Not published |
| N26 | European digital bank; crypto powered by Bitpanda | 300+ coins from 1 euro | 1.5% Bitcoin, 2.5% other coins; Metal 1% and 2% | Country list Not published |
| Cash App | US financial platform, not a bank; bank partners | Bitcoin and stablecoins; Lightning, bitcoin direct deposit | Fee figures on separate fee page | Not licensable in all US states |
| Anchorage Digital | Federally chartered crypto bank | Custody, trading, staking, USD accounts, stablecoin issuance | Not published | Institutions; contact form |
| The Kingdom Bank | Dominica-licensed offshore bank; Dubai operations licensed | Digital-asset savings, payments, KingdomCoin, OTC desk | Not published | Advertises 80+ countries; full list on separate page |
| Lead Bank | US bank, Member FDIC; serves businesses | Stablecoin on/off ramps and stablecoin-backed cards | Not published | Customer availability Not published |
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Choosing a Crypto-Friendly Bank
Choosing a crypto friendly bank depends on whether you require a chartered bank that handles digital assets, a neobank partnering with a crypto broker, or an institutional custodian. Individual retail clients looking for a US national bank can look at SoFi, which operates under Office of the Comptroller of the Currency supervision. European users who want access to hundreds of coins within a digital banking interface can look at bunq or N26, which connect their apps to external crypto services. Users focusing strictly on Bitcoin direct deposits and transfers over the Lightning Network can consider Cash App, while members looking for Bitcoin savings and lending options can evaluate Xapo Bank. Institutional entities that require federally regulated qualified custody, prime trading, and USD wire rails need a firm like Anchorage Digital. Compare options by reviewing four primary items: legal status, crypto lineup, fee structures, and regulatory territory. First, identify who actually holds your digital assets. Some entities maintain regulatory oversight directly, while other mobile apps hand off execution and wallet management to third-party crypto providers. Second, look at the asset coverage. Cash App is built for Bitcoin and stablecoins, whereas bunq and N26 each list more than 300 digital tokens. Third, evaluate all associated trading and subscription fees. Some providers reduce trading fees if you pay for a monthly subscription tier. Finally, confirm regional licensing, as supported jurisdictions vary.
Banks versus Neobanks and Partner Platforms
The entities offering crypto financial products separate into licensed banking institutions and digital platforms that partner with regulated third parties. SoFi Bank, N.A. operates as a national bank subject to regulation by the Office of the Comptroller of the Currency. Xapo Bank Limited functions as a credit institution regulated by the Gibraltar Financial Services Commission, but it splits its operations: fiat balances sit with the bank, while Xapo VASP Limited acts as a separate distributed ledger technology provider for crypto services. Anchorage Digital operates as a federally chartered crypto bank dedicated to institutional clients. In contrast, bunq and N26 rely on external crypto companies to execute trades and store customer assets. bunq integrates trading powered by Payward Europe Solutions Limited, trading as Kraken and authorised by the Central Bank of Ireland, with staking handled separately by Payward Commercial Ltd. N26 Crypto delivers trading and cold offline storage through Bitpanda Asset Management GmbH, which holds a license from the German Federal Financial Supervisory Authority. Cash App explicitly describes itself as a financial services platform rather than a bank, relying on partner banks like Wells Fargo Bank, N.A. for savings accounts, while Block operates under a virtual currency license from the New York State Department of Financial Services.
Crypto Fees and Deposit Protection Compared
At SoFi, checking and savings deposits receive Federal Deposit Insurance Corporation coverage through SoFi Bank, N.A., but its crypto products, supported digital assets, and SOFID stablecoins are not bank deposits and are not insured by the FDIC or SIPC. Cash App notes that savings balances placed with Wells Fargo Bank, N.A. are FDIC-insured, but its Bitcoin balances are not. Xapo Bank covers USD deposits up to the equivalent of 120,000 GBP under the Gibraltar Deposit Guarantee Scheme, but crypto asset deposits are not protected by this scheme. Trading fees vary across providers and account tiers. On bunq, buy, sell, and swap fees depend on your account tier: the Free plan charges 1.99%, Core costs 3.99 euros per month with a 0.99% fee, Pro costs 9.99 euros per month with a 0.49% fee, and Elite costs 18.99 euros per month with a 0.25% fee. N26 charges a standard transaction fee of 1.5% for Bitcoin, 2.5% for other coins, and 3.5% for low-liquidity coins, though N26 Metal subscribers receive a reduced rate of 1% on Bitcoin and 2% on other coins for volumes up to 5,000 euros per month. SoFi does not publish its crypto fees on its crypto overview page, and Cash App places its specific fee figures on a separate fee page rather than its main Bitcoin product screen. Anchorage Digital does not publish fee schedules publicly, requiring institutional applicants to submit asset amounts through a contact form.
Availability and Eligibility
Eligibility rules for opening a crypto bank account depend on local licensing and corporate status. Anchorage Digital restricts its onboarding to institutions, requiring potential clients to state their institution type and assets amount on an intake form. Several providers do not publish full jurisdiction rosters. N26 and bunq do not publish comprehensive lists of eligible countries on their crypto product pages, and Xapo Bank does not publish a complete country roster for membership eligibility. In the United States, geographic access varies by state. Cash App notes that its Bitcoin services are not licensable activities in all US states and territories, though it operates in New York via Block of Delaware under a virtual currency license issued by the NYDFS. SoFi does not publish its state availability list on its primary crypto page, directing customers to its account agreement for terms. Other providers exist.
The verdict
There is no single best crypto friendly bank for every user. Retail clients seeking an OCC-regulated national bank in the US can look at SoFi, while Cash App fits individuals wanting Bitcoin direct deposit and Lightning rails. European digital banking users can choose bunq for tiered Kraken fees or N26 for Bitpanda custody, licensed by the German Federal Financial Supervisory Authority. Savers can evaluate Xapo Bank for Gibraltar-regulated fiat and Bitcoin savings, while institutional capital must turn to a chartered firm like Anchorage Digital.
Frequently asked questions
What is the best crypto-friendly bank?
The best bank depends on your location, legal structure, and asset requirements. SoFi offers an OCC-regulated environment for US retail banking, while Anchorage Digital serves institutions needing a federally chartered bank.
Can I buy crypto with my bank account?
Yes, several banks and digital banking apps allow you to buy crypto. bunq, N26, and Cash App let you buy crypto inside their apps, and SoFi offers a crypto account.
Is crypto at a bank FDIC insured?
SoFi and Cash App state their crypto is not FDIC insured, and Xapo states crypto is not covered by the Gibraltar scheme.
What is the difference between a crypto bank and a crypto exchange?
Some options are licensed banks, some are neobanks that partner with a crypto provider, and Cash App is a financial platform, not a bank.
Do crypto-friendly banks charge fees to trade?
For example, bunq charges trading fees between 0.25% and 1.99% depending on your monthly account plan, while N26 charges 1.5% for Bitcoin and 2.5% for other coins, with discounts for Metal plan subscribers.
Sources
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