7 Best Banks That Accept Cryptocurrency Deposits in 2025
The financial landscape is rapidly evolving, with digital assets moving from the fringe to the forefront of institutional and private finance. For businesses and individuals deeply invested in the crypto ecosystem, finding traditional financial partners who understand and facilitate digital asset management is a critical challenge. The question is no longer if banks will engage with crypto, but how. This guide explores the pioneering financial institutions stepping up to meet this demand, offering a look at the top banks that accept cryptocurrency deposits, custody solutions, and integrated financial services for the modern digital economy. We'll break down who they are, what they offer, and how they are paving the way for a hybrid financial future.
Navigating this new terrain requires a clear understanding of the regulatory environment, the types of services available, and which institutions cater to specific needs-from large-scale institutional funds to businesses operating with digital currencies. The banks listed here represent the vanguard of this movement, each providing unique solutions under established regulatory frameworks. As more businesses consider integrating digital assets, understanding dedicated cryptocurrency payment solutions like Solana Pay becomes essential for facilitating transactions.
Whether you're a crypto-native business seeking a fiat on/off-ramp, an institutional investor requiring qualified custody, or a company looking to integrate digital assets into your treasury, this list will illuminate the best options available. We provide a detailed analysis of each bank's services, supported assets, security measures, and target clientele, complete with direct links and screenshots. Our goal is to give you the actionable insights needed to make an informed decision and find the right banking partner for your digital assets.
1. Anchorage Digital Bank, N.A.
Anchorage Digital stands alone as the first and only crypto-native bank to receive a national trust bank charter from the U.S. Office of the Comptroller of the Currency (OCC). This unique regulatory status makes it a premier choice for institutional clients, including funds, DAOs, and high-risk merchants, seeking a secure and compliant partner for managing digital assets. It is one of the few federally recognized banks that accept cryptocurrency deposits, providing a seamless bridge between traditional finance and the digital asset ecosystem.
Unlike retail banks, Anchorage Digital is built exclusively for institutional-grade needs. The platform offers a unified solution for custody, trading, staking, governance, and settlement, all under the umbrella of federal oversight. This integration simplifies operations, allowing businesses in sectors like online gaming, high-risk e-commerce, and DAOs to manage both their crypto and USD fiat holdings within a single, highly secure environment.
Key Features & Offerings
Anchorage provides a robust suite of services tailored for sophisticated clients requiring more than just basic asset storage.
- Qualified Custody: Assets are held in a bankruptcy-remote trust, offering the highest level of investor protection under U.S. law. This is a critical feature for funds and corporations managing substantial digital asset portfolios.
- Integrated Services: The platform allows clients to trade from custody, stake assets directly to earn rewards on over 20 blockchain networks, and participate in on-chain governance without moving their funds.
- Fiat & Crypto Integration: Anchorage provides USD custody alongside digital assets, streamlining on/off-ramps and daily treasury operations.
- Security & Compliance: The bank adheres to rigorous security standards, proven by SOC 1 and SOC 2 Type II audits, ensuring institutional-grade protection.
Access and Onboarding
Access to Anchorage Digital is restricted to institutional and corporate clients. The onboarding process is thorough and involves significant due diligence to comply with stringent regulatory requirements. Pricing is bespoke and tailored to the client's specific needs, reflecting the customized, high-touch nature of their services. While this exclusivity is a barrier for individuals, it ensures a focused, secure, and compliant environment for businesses.
Website: https://www.anchorage.com
2. Kraken Financial (Wyoming SPDI)
Kraken Financial is pioneering a new banking model as a Wyoming Special Purpose Depository Institution (SPDI). This charter allows it to operate as a fully regulated, online-first bank designed to bridge the gap between digital assets and traditional finance. By securing one of the first SPDI charters, Kraken Financial has positioned itself among the most innovative banks that accept cryptocurrency deposits, offering services under the direct supervision of the Wyoming Division of Banking and a unique full-reserve asset model.
The bank's core distinction is its full-reserve system, meaning it will hold 100% of customer fiat deposits in liquid assets. This eliminates the counterparty risk associated with fractional-reserve banking, providing enhanced security for clients like high-risk merchants, gaming companies, and DAOs. Instead of FDIC insurance, its safety comes from the legal requirement to maintain full reserves, ensuring customer funds are always available for withdrawal. The platform aims to integrate crypto and fiat seamlessly for institutional-grade treasury management.
Key Features & Offerings
Kraken Financial leverages the established security expertise of the Kraken exchange to offer a specialized suite of banking services.
- Full-Reserve Fiat Deposits: Customer USD deposits are fully backed by corresponding reserves, not loaned out, which greatly reduces institutional risk. This is a critical feature for businesses requiring high liquidity and asset safety.
- Qualified Custody: Operating under the SPDI framework, Kraken Financial provides regulated, qualified custody for a range of digital assets, meeting the stringent requirements of institutional investors and corporate treasuries.
- Integrated Crypto-Fiat Services: The bank plans to offer payment cards and comprehensive treasury services, creating seamless payment rails for businesses to move between crypto and traditional currencies.
- Regulatory Clarity: The Wyoming SPDI charter provides a clear, U.S.-based regulatory framework for crypto banking operations, offering clients legal certainty and compliance.
Access and Onboarding
Initially, Kraken Financial's services are being rolled out with a focus on institutional and corporate clients, similar to other crypto-native banks. The onboarding process is expected to be detailed, involving comprehensive know-your-customer (KYC) and anti-money laundering (AML) checks to align with its regulatory obligations. While consumer access is limited at launch, the SPDI model provides a blueprint for future retail expansion, making it a key institution to watch in the evolving digital banking landscape.
Website: https://www.kraken.com/en-de/financial
3. Custodia Bank (Wyoming SPDI)
Custodia Bank is a pioneering financial institution chartered under Wyoming's innovative Special Purpose Depository Institution (SPDI) framework. This unique regulatory status positions it as a purpose-built bridge for businesses, particularly those native to the crypto economy, that require both digital asset custody and traditional USD banking services. By design, Custodia is one of the specialized banks that accept cryptocurrency deposits, offering a regulated and transparent environment for enterprises like crypto exchanges, DAOs, and corporate treasury teams to manage their assets.
Unlike traditional banks that may be retrofitting crypto services, Custodia was founded to solve the core problem of providing compliant, segregated, and bankruptcy-remote custody for digital assets, with a strong initial focus on Bitcoin. Its full-reserve model means it does not engage in fractional-reserve lending with customer deposits, a critical distinction that offers enhanced stability and transparency. This makes it an ideal partner for high-risk merchants and crypto-focused businesses seeking a reliable U.S.-domiciled banking partner that understands their operational needs.
Key Features & Offerings
Custodia's services are tailored specifically for the institutional and enterprise market, providing a secure foundation for digital asset management.
- Wyoming SPDI Charter: Operates as a fully regulated bank under Wyoming law, supervised by the Wyoming Division of Banking, ensuring robust oversight.
- Full-Reserve Banking: All customer deposits are 100% reserved, mitigating counterparty risk and ensuring funds are always available for withdrawal.
- Integrated USD & Crypto Services: The platform is designed to handle both USD fiat payments and digital asset custody, primarily Bitcoin, within a single, unified account structure.
- Segregated Asset Custody: Digital assets are held in legally distinct, bankruptcy-remote accounts, providing clients with the highest level of protection and clear title to their holdings.
Access and Onboarding
Custodia Bank exclusively serves business and institutional clients. The onboarding process is designed for enterprises and involves comprehensive due diligence to meet state and federal compliance standards. Because it is not a retail bank, it does not offer services to individual consumers. While the bank has been actively working to expand its services and secure further federal approvals, its availability may be constrained compared to more established institutions. This focus ensures a secure and compliant environment tailored to the unique risks and needs of crypto-native businesses.
Website: https://custodiabank.com
4. BNY Mellon - Digital Assets
BNY Mellon Digital Assets leverages the bank’s legacy as the world’s largest custodian to deliver a unified solution for crypto and tokenized assets. It provides institutional-grade custody, fund servicing, reserve custody for stablecoins and tokenization services, making it a top pick among banks that accept cryptocurrency deposits for large-scale asset managers, high-risk merchants and DAOs.
Unlike many fintech startups, BNY Mellon integrates digital assets into its existing global custodian platform, offering a consistent user interface and seamless CRM integration. The dashboard provides real-time portfolio views across crypto and fiat, with single-sign-on and role-based access controls. Customer support includes dedicated digital-asset relationship managers and a 24/7 helpdesk for rapid issue resolution. Practical tip: use their API sandbox to test custody workflows before go-live and schedule quarterly compliance health checks via the portal.
Key Features & Offerings
- Institutional-Grade Custody: Fully insured cold storage and multi-signature wallets under BNY Mellon’s governance framework
- Tokenization Services: End-to-end issuance, lifecycle management and compliance reporting for digital securities
- Stablecoin Reserve Custody: Secure reserves for select USD-pegged stablecoins, backed by daily attestation reports
- On/Off-Chain Data Integration: Real-time reconciliation tools mapping blockchain transactions to traditional ledgers
- Global Compliance & Risk Tools: Automated sanction screening, AML/KYC workflows and customizable risk dashboards
Access and Onboarding
Access is exclusive to institutional clients meeting high AUM minimums. The onboarding process includes:
- Due Diligence: Submission of corporate, AML/KYC and operational documentation
- Compliance Review: Ongoing checks, quarterly audits and risk assessments
- Platform Training: Interactive workshops, API integration support and user-role configuration
Pricing is bespoke, based on asset class, transaction volumes and service tiers. Clients should budget for initial setup fees and tiered custody charges. The intuitive interface, deep regulatory expertise and white-glove support make BNY Mellon a standout choice among banks that accept cryptocurrency deposits.
Website: https://www.bny.com/corporate/global/en/solutions/digital-assets.html
5. U.S. Bank - Institutional Crypto Custody (Global Fund Services)
As a major, established financial institution, U.S. Bank brings a significant level of trust and familiarity to the digital asset space. While not a crypto-native bank, its Global Fund Services division has strategically re-entered the market, offering institutional-grade custody for Bitcoin. This move positions it as one of the key traditional banks that accept cryptocurrency deposits, specifically catering to large-scale investment managers and funds navigating the newly approved Bitcoin ETF landscape.
Unlike fintech startups, U.S. Bank leverages its extensive traditional banking infrastructure to provide a service that feels familiar to institutional clients. The offering is built on a strategic partnership model, utilizing the specialized crypto custody technology of NYDIG for safekeeping digital assets. This hybrid approach combines the innovation of a crypto-native firm with the robust compliance, reporting, and enterprise-level controls of a legacy U.S. financial powerhouse, creating a secure bridge for funds entering the crypto market.
Key Features & Offerings
U.S. Bank’s crypto services are tailored specifically for the operational needs of institutional fund administrators and investment managers.
- Institutional Bitcoin Custody: The primary service offers secure, segregated custody for Bitcoin, designed to meet the rigorous due diligence requirements of large funds, including those managing spot Bitcoin ETFs.
- Partnership with NYDIG: The service utilizes NYDIG’s battle-tested custody technology, ensuring high-grade security for the underlying digital assets while clients interact with the familiar U.S. Bank interface.
- Integrated Fund Services: Clients benefit from a unified service that combines digital asset custody with traditional fund accounting, administration, and reporting, streamlining back-office operations.
- Robust Compliance & Controls: The platform operates under the stringent regulatory oversight and internal controls expected of a major U.S. bank, providing peace of mind for institutional investors.
Access and Onboarding
Access to U.S. Bank’s crypto custody services is exclusively for institutional investment managers, funds, and corporate clients. The service is not available for retail customers or individual investors. The onboarding process is comprehensive, involving enterprise-level due diligence and integration with the bank’s existing Global Fund Services platform. As the service is still in its early access phase, availability may be limited and asset support is currently focused on Bitcoin, with plans for expansion based on client demand.
Website: https://www.usbank.com/investment-services/custody-solutions.html
6. Sygnum Bank (Switzerland/Singapore)
Sygnum stands out as the world's first digital asset bank, holding a Swiss banking license from FINMA and a capital markets services license in Singapore from MAS. It caters to a sophisticated clientele of institutional investors, corporations, and high-net-worth individuals, offering a fully regulated and integrated financial services platform. As one of the premier global banks that accept cryptocurrency deposits, Sygnum merges the security of traditional Swiss banking with the innovation of the digital asset space, providing a comprehensive solution for managing both fiat and crypto assets.
Unlike crypto exchanges, Sygnum provides its services within a fully regulated universal bank framework. This enables businesses, including those in high-risk sectors requiring robust compliance, to seamlessly integrate digital assets into their treasury management. The platform is designed for clients who demand institutional-grade security, regulatory clarity, and a diverse range of crypto-financial services, from secure custody and 24/7 trading to innovative tokenization solutions.
Key Features & Offerings
Sygnum’s service suite is built to address the entire digital asset value chain for its professional and institutional clients.
- Bank-Grade Custody & Trading: Offers segregated wallet custody with multi-layer security, coupled with 24/7 access to trading for a wide range of cryptocurrencies.
- Crypto-Backed Lending: Clients can use their digital assets, such as Bitcoin and Ethereum, as collateral to secure fiat loans in CHF, EUR, SGD, and USD, optimizing capital efficiency.
- Staking Services: Provides regulated staking for various proof-of-stake protocols, allowing clients to earn rewards directly from their custodied assets without compromising security.
- Tokenization Solutions: Sygnum offers end-to-end tokenization services, enabling issuers to create investable, regulated tokens for assets like venture capital funds, real estate, and art.
- B2B Banking Platform: Through its white-label platform, Sygnum empowers other banks and financial institutions to offer their own regulated digital asset services to their clients.
Access and Onboarding
Sygnum is exclusively for professional and institutional clients, including corporations and high-net-worth individuals. The onboarding process is rigorous and akin to that of a traditional Swiss private bank, involving comprehensive due diligence and KYC/AML checks to ensure full regulatory compliance. While this creates a high barrier to entry for retail users, it guarantees a secure and compliant ecosystem for businesses and sophisticated investors managing significant cross-border or high-value digital asset portfolios.
Website: https://www.sygnum.com
7. AMINA Bank (formerly SEBA Bank)
AMINA Bank is a FINMA-licensed Swiss crypto bank that combines regulated custody, trading, structured products, and lending solutions under one roof. Its multi-hub international model supports sophisticated private, institutional, and B2B clients across Europe, Asia and the Middle East.
Born from SEBA Bank’s 2023 rebrand, AMINA leverages proven revenue and assets under management growth to deliver a comprehensive crypto banking experience. The platform’s intuitive interface and dedicated relationship managers make it a standout among banks that accept cryptocurrency deposits. Users benefit from real-time risk controls, institutional-grade reporting, and 24/7 access to trading and custody services.
Key Features & Offerings
Below is a snapshot of AMINA Bank’s core services and what each offers:
| Service | What It Offers |
|---|---|
| Regulated Crypto Custody | Bankruptcy-remote accounts with full FINMA oversight |
| 24/7 Brokerage & Trading | Spot and OTC access to major coins and tokens |
| Crypto Yield Products | Staking, lending and structured yield strategies |
| Derivatives & Structured Notes | Tailored options and market-linked certificates |
| Multi-Hub International Access | Hubs in Zurich, Abu Dhabi and Hong Kong |
- Comprehensive Product Suite: Access custody, trading, lending and structured investments through a single platform.
- High-Security Standards: Adheres to FINMA rules, with SOC 1 and SOC 2 Type II audits for operational resilience.
- Institutional Reporting: Daily and monthly statements, API integration for treasury management, and real-time P&L tracking.
- Cross-Border Support: Localized onboarding workflows for clients in Europe, Middle East and Asia, with dedicated compliance teams.
Access and Onboarding
Onboarding with AMINA Bank requires a minimum relationship balance tailored to client risk profiles. Eligibility depends on jurisdiction-specific rules and a full KYC/AML review. Pricing is bespoke, reflecting asset size and service complexity.
Clients enjoy a streamlined digital application, direct API access to trading engines, and a personal account manager for bespoke support. While high thresholds may limit retail access, the premium service and global footprint make AMINA Bank a top choice for high-risk merchants, DAOs, gaming firms, and institutional investors seeking regulated crypto deposit services.
Website: https://aminagroup.com
Top 7 Crypto-Friendly Banks Comparison
| Bank/Platform | Implementation Complexity | Resource Requirements | Expected Outcomes | Ideal Use Cases | Key Advantages |
|---|---|---|---|---|---|
| Anchorage Digital Bank, N.A. | High - Regulated US chartered | Institutional clients, bespoke onboarding | Secure qualified crypto and USD custody with integrated trading/staking | Institutional funds, corporates, platforms | US federal charter, broad asset support, integrated staking and settlement |
| Kraken Financial (Wyoming SPDI) | Moderate - SPDI regulatory | Institutional clients, full-reserve fiat deposits | Secure fiat and crypto custody under SPDI rules | Bridging crypto & traditional finance | Full-reserve model, strong crypto security, Wyoming oversight |
| Custodia Bank (Wyoming SPDI) | Moderate - SPDI regulatory | Institutional crypto businesses | Transparent, segregated Bitcoin and USD custody | Crypto companies, treasury teams | Focus on BTC/enterprise, Wyoming supervision |
| BNY Mellon - Digital Assets | High - Traditional custodian | Large institutional clients | Institutional-grade digital asset custody and servicing | ETF issuers, asset managers, corporates | Blue-chip counterparty, integrated digital/traditional asset management |
| U.S. Bank - Institutional Crypto | Moderate - Partnership model | Institutional investment managers | Bitcoin custody with ETF support | Fund managers, large investors | Established US bank infrastructure, ETF-aligned custody |
| Sygnum Bank (Switzerland/Singapore) | High - Multi-jurisdictional | Private and institutional clients | Wide crypto banking services including lending and tokenization | HNWIs, institutions, cross-border clients | Fully licensed universal crypto bank, multi-jurisdiction coverage |
| AMINA Bank (formerly SEBA Bank) | High - Multi-hub international | Sophisticated private/institutional clients | Regulated custody, trading, structured products | Private clients, institutions, global users | Early Swiss crypto bank, broad product suite, global expansion |
Choosing Your Financial Partner for the Digital Age
The banks featured in this article illustrate how regulated, secure institutions can safely bridge crypto and traditional finance. From Anchorage Digital Bank to Sygnum, each provider offers unique custody, deposit, and compliance solutions that cater to institutional and high-net-worth clients.
Key Takeaways
- Regulatory Clarity: All listed banks hold federal or international charters, ensuring compliance with evolving crypto regulations.
- Asset Coverage: Supported coins range from Bitcoin and Ether to stablecoins and select altcoins.
- Fee Structures: Expect custody fees, deposit and withdrawal costs, plus network charges for on-chain transfers.
- Verification Processes: Robust KYC/AML checks maintain security but may extend account setup times.
- Global Reach: U.S. banks like U.S. Bank and BNY Mellon focus on institutional custody, while Sygnum and AMINA serve global markets.
Important Factors to Consider
- Custody vs Access: Balance institutional-grade custody with day-to-day payment needs.
- Supported Jurisdictions: Ensure the bank services your region or offers cross-border operations.
- Integration Capabilities: Look for APIs and partner tools that sync with your treasury workflows.
- Scalability: Choose a partner that can grow with your transaction volume and asset diversity.
Actionable Next Steps
- Create a checklist of required assets, jurisdictions, and transaction volumes.
- Compare fee schedules side by side to forecast monthly and on-chain costs.
- Evaluate onboarding timelines to align with project launch dates.
- Test API integrations in a sandbox environment for seamless treasury management.
- Review security audits and SOC reports for custodial transparency.
- Beyond choosing a crypto-friendly bank, effectively managing your crypto finances also involves utilizing tools for tax compliance, such as choosing the right crypto tax software.
Choosing Based on Your Needs
- If you need institutional custody, consider Anchorage Digital or Kraken Financial for their federal charters.
- For global multi-jurisdictional support, Sygnum Bank offers Swiss and Singapore operations.
- If you seek integrated fund services, BNY Mellon and U.S. Bank provide mature asset management suites.
Integration Example
Combine a regulated bank for custody with a dedicated payments gateway to cover all financial workflows. For instance, use a bank that accepts cryptocurrency deposits for treasury preservation, then leverage a payment tool for everyday transactions and client billing.
Ultimately, the right mix of banks that accept cryptocurrency deposits and complementary tools will safeguard assets, streamline operations, and position your business for the digital finance era. Embrace the evolving landscape with confidence and keep exploring innovative solutions to stay ahead.
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