🇪🇺 Europe · 8 platforms available
Best Crypto Banks in Europe 2026
Ranked by MiCA compliance, EU IBAN availability, SEPA support, and regulatory safety. Updated March 2026.
Affiliate disclosure: Some links on this page are affiliate links. If you open an account, we may earn a commission at no extra cost to you. This never influences our scores or rankings — see our methodology.
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Comparison Table — EU Platforms
| Platform | Score | Max APY | Coins | Card | Loans | IBAN | FDIC | MiCA | Trustpilot | |
|---|---|---|---|---|---|---|---|---|---|---|
| Nexo Switzerland | 7.8 | 16% | 60 | ✅ | ✅ | ❌ | ❌ | ✅ | ★ 4.5 | Open ↗ |
| Revolut United | 8.5 | 12.3% | 200 | ✅ | ❌ | ✅ | ❌ | ✅ | ★ 4.7 | Open ↗ |
| Crypto.com Singapore | 6.7 | 14.5% | 350 | ✅ | ✅ | ❌ | ❌ | ❌ | ★ 1.3 | Open ↗ |
| Wirex United | 6 | 8% | 40 | ✅ | ❌ | ❌ | ❌ | ❌ | ★ 2.7 | Open ↗ |
| Ledn Cayman | 5.4 | 9% | 2 | ❌ | ✅ | ❌ | ❌ | ❌ | ★ 4.7 | Open ↗ |
| Sygnum Bank Switzerland | 5.9 | 10% | 15 | ❌ | ✅ | ✅ | ❌ | ✅ | N/A | Open ↗ |
| Plutus United | 5.2 | — | 1 | ✅ | ❌ | ✅ | ❌ | ❌ | ★ 2.8 | Open ↗ |
| Brighty Estonia | 6.5 | 5% | 30 | ✅ | ❌ | ✅ | ❌ | ✅ | ★ 4.2 | Open ↗ |
EU Crypto Banks Ranked
1
8.5
The all-in-one account — banking, crypto, investing
MiCA Compliant UK Banking LicenceEU Banking LicenceFCA Regulated€100K DGS Protected
↑ 12.3% APY 💳 Card 🏧 IBAN 🪙 200 coins
★ 4.7 Trustpilot
2
7.8
Highest yield + instant crypto loans
MiCA Compliant EU LicensedProof of ReservesArmanino Audited
↑ 16% APY 💳 Card 🏦 Loans 🪙 60 coins
★ 4.5 Trustpilot
3
6.7
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
↑ 14.5% APY 💳 Card 🏦 Loans 🪙 350 coins
★ 1.3 Trustpilot
4
6.5
EU IBAN + crypto + 5% stablecoin yield in one app
MiCA Compliant Estonian FIU LicensedEU Registered
↑ 5% APY 💳 Card 🏧 IBAN 🪙 30 coins
★ 4.2 Trustpilot
5
6
150+ currencies, one card — pioneer with a support problem
FCA RegisteredE-Money Institution
↑ 8% APY 💳 Card 🪙 40 coins
★ 2.7 Trustpilot
6
5.9
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
↑ 10% APY 🏦 Loans 🏧 IBAN 🪙 15 coins
7
5.4
The Bitcoin bank — yield and loans, nothing else
Proof of ReservesChainalysis Verified
↑ 9% APY 🏦 Loans 🪙 2 coins
★ 4.7 Trustpilot
8
5.2
3% crypto cashback + subscription perks — UK/EU only
FCA AuthorisedE-Money Institution
💳 Card 🏧 IBAN 🪙 1 coins
★ 2.8 Trustpilot
Frequently Asked Questions
Which crypto banks are available in Europe? +
Revolut, Nexo, Wirex, Brighty, and Plutus all serve European users. Revolut has a full EU banking licence (Bank of Lithuania). Nexo is Swiss-registered with EU licences. Brighty offers an EU IBAN with Estonian FIU registration.
What is MiCA and which crypto banks comply with it? +
MiCA (Markets in Crypto-Assets Regulation) is the EU's crypto regulatory framework, fully implemented in December 2024. Revolut and Brighty are actively working toward full MiCA compliance. Sygnum Bank operates under FINMA (Swiss equivalent). Always verify current compliance status directly with each platform.
Which EU crypto bank has the best IBAN account? +
Revolut offers the most feature-complete EU IBAN — 30+ currencies, SEPA transfers, and a full banking licence. Brighty offers a simpler EU IBAN with 5% stablecoin yield. Plutus offers UK/EU IBAN with crypto cashback rewards.
Is Nexo available in Europe? +
Yes. Nexo is headquartered in Switzerland and serves 200+ countries including all EU/EEA countries. It is not a licensed bank but holds EU crypto asset licences. Note: Nexo is not available in the US.