Business accounts for crypto companies: what 39 providers publish
As of October 1, 2026
We read the published account-opening policies of 39 business-account providers. This is what each one says about crypto businesses, with the date it was read. Inside each group the providers are in alphabetical order: the order is not a ranking.
- Exclude4
- Differ by activity7
- With conditions11
- Sources disagree1
- Publish nothing16
Not excluded is not accepted. A provider that does not exclude your industry may still decline your company because of where it is registered, where its owners live or which licence it holds. The free check applies those rules too.
Exclude crypto businesses · 4
As of October 1, 2026, bunq B.V. (De Nederlandsche Bank) does not accept crypto businesses, per its published policy.
As of October 1, 2026, Paysera LT, UAB (Bank of Lithuania) does not accept crypto businesses, per its published policy.
As of October 1, 2026, Statrys Ltd (Hong Kong Customs and Excise Department (MSO register)) does not accept crypto businesses, per its published policy.
As of October 1, 2026, Tide Platform Ltd (FCA) does not accept crypto businesses, per its published policy.
Set different rules for different crypto activities · 7
As of October 1, 2026, Airwallex (UK) Ltd (FCA) has this rule for crypto businesses as a whole, per its published policy: With conditions. It differs by activity: Crypto exchange / OTC: Not for unlicensed businesses; Crypto payments, custody, on/off-ramp: Not for unlicensed businesses.
Conditions: approval not guaranteed, a restricted industry
As of October 1, 2026, Bankera (Bank of Lithuania) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: With conditions; Crypto payments, custody, on/off-ramp: With conditions.
Conditions: Premium tier: €900 non-refundable review; proof of CASP application or authorisation status; EDD pack: AML policy, flow of funds, UBO source of funds; EDD pack expected
As of October 1, 2026, BCB Payments Ltd (FCA / ACPR) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: With conditions; Crypto payments, custody, on/off-ramp: With conditions; Web3 infrastructure (no client funds): With conditions.
Conditions: institutional onboarding: BCB serves exchanges, asset managers, OTC desks, market makers and PSPs; institutional onboarding; no minimum size is published
As of October 1, 2026, Mercury Technologies Inc. (FDIC-insured partner banks) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: Will not accept; Web3 infrastructure (no client funds): Yes; Crypto payments, custody, on/off-ramp: With conditions.
Conditions: Mercury accounts hold fiat only; custody businesses are supported as clients, not as a crypto-holding product
As of October 1, 2026, Monzo Bank Ltd (PRA / FCA) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: Will not accept.
As of October 1, 2026, Revolut Bank UK Ltd (PRA / FCA / Bank of Lithuania) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: Will not accept; Crypto payments, custody, on/off-ramp: With conditions; Web3 infrastructure (no client funds): With conditions.
Conditions: Revolut accepts regulated custodial wallets, non-custodial wallets and companies that accept or pay with cryptocurrency, but not on- or off-ramp providers (including crypto ATMs), unregulated custodial wallets or crypto asset management companies: check which of these your business is; the account cannot hold, exchange, transfer or manage money that belongs to your customers
As of October 1, 2026, Wise Payments Ltd (FCA) has no rule for crypto businesses as a whole, per its published policy. By activity: Crypto exchange / OTC: Will not accept; Crypto payments, custody, on/off-ramp: Will not accept.
Accept crypto businesses with conditions · 11
As of October 1, 2026, AMINA Bank AG (FINMA) accepts crypto businesses with conditions, per its published policy.
Conditions: AMINA Corporate is free if the business holds CHF 10M in assets, CHF 2.5M in loans or CHF 20M in trading volume, otherwise CHF 1,000 a month; AMINA Startup is free for companies under 5 years old or with funding of up to CHF 10M
As of September 20, 2026, Bank Frick AG (formerly Bank Frick & Co. AG) (FMA Liechtenstein) accepts crypto businesses with conditions, per its published policy.
Conditions: every project and token undergoes a comprehensive due-diligence review
Bilder (Bilderlings Pay)(Third-party source)
As of October 1, 2026, Bilderlings Pay Ltd (FCA) accepts crypto businesses with conditions, according to a third-party source, not Bilder (Bilderlings Pay)'s own page.
Conditions: a UK or EU CASP licence is required for the CASP plan (€350 per month)
As of October 1, 2026, Clear Junction Ltd (FCA) accepts crypto businesses with conditions, per its published policy.
Conditions: VASP / CASP or equivalent licence; business model, fund flows and counterparties reviewed
As of October 1, 2026, Secure Nordic Payments, UAB (Mistertango) (Bank of Lithuania) accepts crypto businesses with conditions, per its published policy.
As of October 1, 2026, Narvi Payments Oy Ab (Finnish Financial Supervisory Authority (FIN-FSA)) accepts crypto businesses with conditions, per its published policy.
Conditions: pricing tier depends on Narvi's risk classification of the business
As of October 1, 2026, UAB NexPay (Bank of Lithuania) accepts crypto businesses with conditions, per its published policy.
Conditions: acceptable-use policy not published, request it in writing before applying
As of October 1, 2026, Payoneer Europe Ltd (CBI / FCA) accepts crypto businesses with conditions, per its published policy.
Conditions: Payoneer lists virtual currencies and crypto among the lines of business it does not service; it may pre-approve some after review, at its sole discretion
As of October 1, 2026, Sygnum Bank AG (FINMA) accepts crypto businesses with conditions, per its published policy.
Conditions: professional and institutional clients, corporates and DLT companies; minimums for corporates are agreed at onboarding
As of October 1, 2026, Xapo Bank Ltd (Gibraltar Financial Services Commission) accepts crypto businesses with conditions, per its published policy.
Conditions: institutional account; the platform fee is set per client
ZA Bank(Third-party source)
As of October 1, 2026, ZA Bank Ltd (HKMA) accepts crypto businesses with conditions, per its published policy.
Conditions: Web3 account-opening track; opening online requires every shareholder and director to hold a Hong Kong Identity Card, otherwise the application goes through a relationship manager; crypto-to-fiat settlement is offered to exchanges licensed by the SFC
Sources disagree · 1
Published sources for 3S Money say different things about crypto businesses. Each is quoted below with the date we checked it.
Publish nothing about crypto businesses · 16
Aspire, Brex, ConnectPay, Currenxie, Ebury, Equals Money, iBanFirst, Mashreq NeoBiz, Payset, Relay, Satchel, Starling Bank, Verifo, Wio Business, WorldFirst, Zand Bank
Silence is not a yes. Ask these providers in writing before you pay an application or review fee.
Before you pay a fee, ask in writing
Before I apply: do you open business accounts for crypto companies registered in [country], with owners resident in [countries]? Please confirm in writing.