Does American Express Business Checking accept crypto businesses? (October 2026)
Depends on the activity
As of October 7, 2026, American Express National Bank (FDIC / OCC) 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.
What the policy says
| Activity | Status | Scope | Checked |
|---|---|---|---|
| American Express Business Checking · Crypto exchange / OTC | Will not accept | Business account | |
| American Express Business Checking · Crypto payments, custody, on/off-ramp | Will not accept | Business account |
Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
Has this rule changed? Tell us
What founders report
No verified outcomes yet.
More from our base
- What every provider publishes about crypto businesses
- American Express Business Checking: licence, policy and fees
- American Express Business Checking and iGaming businesses
- American Express Business Checking and unlicensed financial services businesses
- 3S Money and crypto businesses
- Airwallex and crypto businesses