R Revolut
EU-regulated everyday banking with crypto built in. Cleared every field test we ran in Q1.
8.5 /10
↑ 12.3% APY § 01 · TOP 10 CRYPTO BANKS IN EUROPE
The best crypto banks for Europe,
ranked on what matters.
MiCA-passported across 27 member states · 14 issuers Q1. Updated weekly. Two-thirds of the rows below are field-tested. Affiliate links are tagged where they exist.
EDITOR'S TOP 3 HOW WE SCORE →
N Nexo
Highest stablecoin yield among MiCA-licensed platforms. Custody disclosed quarterly.
7.8 /10
↑ 16% APY C Coinbase
Bitcoin-only savings with proof-of-reserves. The right pick if you only hold BTC.
7.0 /10
↑ 5.1% APY # Platform Licence APY Fees Card Score Action
WEIGHTING · Regulation 2× · Card/IBAN 1.5× · Yield 1× · See methodology → See full ratings matrix →
§ 02 · WHAT ARE YOU HERE TO DO?
Pick a scenario. The ranking re-weights itself.
The same eight axes, weighted differently for every job. A platform that wins for borrowing rarely wins for travel. Click a scenario, the leaderboard updates.
RE-RANK PLATFORM LICENCE FIT · Investment SCORE
01 R Revolut UK Banking Licence ●●●●● 8.5
02 N Nexo EU Licensed ●●●●● 7.8
03 C Coinbase NASDAQ Listed ●●●●● 7.0
04 L Luno FCA Cryptoasset Firm ●●●●● 7.0
05 C Crypto.com FCA Registered ●●●●● 6.7
06 B Brighty Estonian FIU Licensed ●●●●● 6.5
07 B Binance FIU India Registered ●●●●● 6.4
08 W Wirex FCA Registered ●●●●● 6.0
09 S Sygnum Bank FINMA Banking Licence ●●●●● 5.9
10 M Mode FCA EMI ●●●●● 5.5
§ 03 · HEAD TO HEAD
Two banks, your axes.
Pick any two from the EU top 10. Toggle the dimensions you care about. Winners are highlighted in amber.
R
Revolut
UK Banking Licence · EU · UK · US
vs.
N
Nexo
EU Licensed · EU · UK · Asia
COMPARE ON
8.5 / 10
Overall score
7.8 / 10
UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions
Licence
EU licensed; Swiss-registered company (Armanino-audited); various EU crypto asset licences
12.3%
Top APY
16%
1.99%
Trading fees
0.5%
Yes
Debit card
Yes
Yes
IBAN
—
Read the Revolut review
Field-tested · UK Banking Licence
Read the Nexo review
Field-tested · EU Licensed
02 · COVERAGE
Five verticals. 60 platforms.
§ 04 · LATEST NEWS & RESEARCH
What changed this week.
Field tests, regulatory shifts, and rate moves that affect the rankings above.
Yields fell 140bps across the top ten this week
BTC, ETH, and USDC rates at every platform we track, with spread to Treasuries. Nexo holds the line at 16% top APY; Ledn drops to 9%.
Safer alternatives after Juno's September closure
Three of Juno’s "alternatives" use the same sweep-to-partner-bank structure. We read the fine print and ranked what we’d open instead.
We opened a Revolut account from São Paulo
Nexo review — 16% peak APY, MiCA submission, no US
◆ BROWSE BY COUNTRY
Best crypto banks by country
Country-specific rankings with regulatory framing, fiat-rail integration, and tax treatment for each market. The same global comparison list, filtered to the platforms that actually serve each country.
UK + Americas
Asia + GCC
Africa