01 HIGHEST SAFETY SCORE
5.9 / 10
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
● RANKED BY REGULATORY SAFETY 12 PLATFORMS UPDATED 13 MAR
Bancos cripto más seguros. Sin sorpresas.
Clasificación basada en la licencia regulatoria, la protección de depósitos, la prueba de reservas y el historial posterior a FTX. La seguridad regulatoria tiene un peso del 20 % en nuestra metodología.
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§ 01 LO MÁS SEGURO PRIMERO
Clasificación según la seguridad reglamentaria
02 EU BANKING LICENCE
8.5 / 10
The all-in-one account — banking, crypto, investing
MiCA Compliant UK Banking LicenceEU Banking LicenceFCA Regulated€100K DGS Protected
03 FDIC INSURED
7.0 / 10
The beginner-friendly US crypto account — NASDAQ-listed and FDIC-insured fiat
FDIC Insured NASDAQ ListedSEC RegisteredFDIC Insured (USD)FCA Registered (UK)
04 PROOF OF RESERVES
7.8 / 10
Highest yield + instant crypto loans
MiCA Compliant EU LicensedProof of ReservesArmanino Audited
05 FDIC INSURED
7.4 / 10
First major US crypto bank — FDIC-insured, exchange-backed
FDIC Insured FDIC InsuredNY BitLicence
06 FDIC INSURED
5.2 / 10
Stack sats on every purchase — FDIC-insured, Nasdaq-listed
FDIC Insured FDIC InsuredNasdaq Listed
07
6.7 / 10
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
08
6.0 / 10
150+ currencies, one card — pioneer with a support problem
FCA RegisteredE-Money Institution
09 PROOF OF RESERVES
5.4 / 10
The Bitcoin bank — yield and loans, nothing else
Proof of ReservesChainalysis Verified
10
5.2 / 10
3% crypto cashback + subscription perks — UK/EU only
FCA AuthorisedE-Money Institution
11 EU BANKING LICENCE
6.5 / 10
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
12
6.4 / 10
World's largest crypto exchange — 600+ coins, Binance Pay, Binance Card
FIU India RegisteredAUSTRAC Registered (AU)
§ 02 PREGUNTAS FRECUENTES
Preguntas frecuentes
Which crypto bank is the safest? +
Sygnum Bank holds the highest regulatory safety score (10/10) — the world's first bank with both a Swiss FINMA banking licence and Singapore MAS CMS licence. For retail users, Revolut is the safest accessible option — full EU banking licence with €100,000 deposit protection. Ledn and Nexo both publish Proof of Reserves, making them safer than platforms that don't.
What happened to Juno crypto bank? +
Juno (formerly OnJuno) closed its crypto banking services in September 2025. Users were required to withdraw funds before the closure. Juno's closure is a reminder that newer, unproven platforms carry higher risk. The platforms on this list have been operating for 6+ years (except Brighty and Kraken Bank).
Is FDIC insurance enough protection for crypto? +
FDIC insurance only covers fiat deposits (up to $250,000 per depositor per bank). It does not cover cryptocurrency holdings. For US users, Kraken Bank and Fold offer FDIC protection on fiat. For crypto assets, Proof of Reserves and a strong regulatory licence are the closest equivalents.
What is Proof of Reserves? +
Proof of Reserves (PoR) is a cryptographic verification that a platform holds all the assets it claims. After FTX collapsed in November 2022 — having used customer funds — PoR became the most important trust signal in crypto. Nexo (Armanino) and Ledn (Chainalysis) both publish monthly PoR.