Thirty-six banks, scored on what they actually let you do with digital assets. Answer four questions and meet your match in under a minute.
CBL Scores for 36 banks · 8 criteria · dated sources
Choose your bank
Tell us where you are and what your money needs to do. We'll show the banks that say yes.
No strong match for that combination yet. Loosen one requirement, or browse the full index below.
The index
Every bank is rated yes, partial, or no on eight criteria. Combine the filters: every combination is its own page with its own address.
Cards
Tested from the user's side: what the cashback really is after the fine print, where the money sits, and who can freeze it. Availability varies by EEA country. Checked Aug 2026; card terms change fast.
The cashback ladder. Rewards in CRO, tiered by how much you stake, prepaid top-up from app balance. Read the staking lock terms before chasing the higher tiers.
The spend-without-selling one. Runs in credit mode against your crypto as collateral, or debit mode. Keeps your position while you pay for groceries; watch the loan-to-value math.
Spends straight from your exchange balance with cashback tiers. Convenient if Bybit is already your venue; it inherits every freeze risk of an exchange balance.
Kraken's money app with a card attached, rolling out by region. If Kraken is already your cash-out rail, this keeps spending and settlement in one regulated place.
A card wired to a self-custody wallet on Mastercard rails. Availability varies by country; the appeal is spending without parking funds on an exchange.
The veteran. Multi-currency with Cryptoback in WXT. Strong rails, but read our Wirex fine print above before parking serious money behind it.
Some links on this page are referral links. They never affect scores or rankings.
Exchange rails
Every exchange sells crypto. What differs is the banking: how euros get in and out, and how strictly names must match. The one rule everywhere: transfers must come from and go to an account in your own name.
Kraken Open account →
Bitvavo Open account →
Bitpanda Open account →
Binance Open account →Bybit Open account →Bitget Open account →Some links are referral links. They never affect what we write about an exchange, including the critical parts.
The Teller
Short, straight pieces on banks, crypto, and the space between them. New notes twice a week.
The real reasons behind the freeze on your transfer, from someone who has sat on both sides.
28 Aug 2026Zand issues a dirham stablecoin, ruya sells Bitcoin with Shariah approval. Five UAE banks join the list.
Coming soonWhat the Qivalis consortium tells us about where European banking is actually heading.
When it goes wrong
Your account is frozen. The money you were counting on is suddenly behind glass, nobody at the bank will tell you why, and every hour feels personal. It isn't. Take a breath. This page is the calm walkthrough of what happened and what to do next.
Practical guidance from community experience, not legal advice. For large sums or a closure, a lawyer who knows banking law in your country is worth the call.
For companies
Getting a business account as a Web3 company is still the hardest part of the job. The index marks every bank that opens its doors to crypto businesses, so you skip the twelve rejections and start with the yes.
For people
Some of your money is in a bank. Some of it lives on-chain. You should not need two financial lives to manage that. We rate the banks that treat both as normal, because for you they are.
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