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 →
X Xapo Bank
Highest stablecoin yield among MiCA-licensed platforms. Custody disclosed quarterly.
8.0 /10
↑ 4.5% APY N Nexo
Bitcoin-only savings with proof-of-reserves. The right pick if you only hold BTC.
7.8 /10
↑ 7.5% 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 ↑1 N Nexo EU Licensed ●●●●● 7.8
03 ↑1 C Coinbase NASDAQ Listed ●●●●● 7.0
04 ↓2 X Xapo Bank Gibraltar GFSC banking licence ●●●●● 8.0
05 L Luno FCA Cryptoasset Firm ●●●●● 7.0
06 S Strike FinCEN MSB ●●●●● 6.8
07 C Crypto.com FCA Registered ●●●●● 6.7
08 B Brighty Estonian FIU Licensed ●●●●● 6.5
09 B Binance FIU India Registered ●●●●● 6.4
10 W Wirex FCA Registered ●●●●● 6.0
§ 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.
X
Xapo Bank
Gibraltar GFSC banking licence · GI · EU · UK
COMPARE ON
8.5 / 10
Overall score
8.0 / 10
UK banking licence (PRA/FCA); EU banking licence (Bank of Lithuania); crypto licences in multiple jurisdictions; MiCA CASP authorisation (Revolut Bank UAB, Bank of Lithuania, 2026)
Licence
—
12.3%
Top APY
4.5%
1.99%
Trading fees
0%
Yes
Debit card
Yes
Yes
IBAN
—
Read the Revolut review
Field-tested · UK Banking Licence
Read the Xapo Bank review
Field-tested · Gibraltar GFSC banking licence
02 · COVERAGE
Six verticals. 70 platforms.
01 12 tracked
Crypto Banks
IBAN + card + crypto, one account
02 18 tracked
Exchanges
Spot, derivatives, on-ramps
03 9 tracked
Wallets
Hardware and self-custody software
04 14 tracked
Payment methods
M-Pesa, UPI, PIX, SEPA Instant
05 7 tracked
B2B processors
Accept crypto for your business
06 10 tracked
Tax software
File your crypto taxes
§ 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.
Nexo review — 16% peak APY, MiCA submission, no US
BaFin tightens crypto-asset reporting
SK
◆ 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
§ FAQ FAQ
Frequently Asked Questions
What is a crypto bank? +
A crypto bank is a financial platform that combines traditional banking features (IBAN, debit card, SEPA/SWIFT transfers) with crypto services (buy/sell, yield on deposits, crypto-backed loans). Unlike exchanges, crypto banks focus on everyday banking with crypto integration.
Are crypto banks safe? +
Safety varies widely. Look for platforms with full banking licences (Revolut), FDIC insurance (Kraken Bank), MiCA compliance (Nexo), and published Proof of Reserves (Ledn, Nexo). After FTX collapsed in 2022, regulatory status is the most important factor.
How do we rank crypto banks? +
We use a weighted 8-factor scoring methodology: Regulatory Safety (20%), Yield Rates (15%), Banking & Fiat Integration (13%), Debit Card (12%), Fees (12%), Coin Selection (10%), User Experience (10%), and Customer Support (8%). Full methodology is disclosed on our methodology page.