I will talk about the best countries offering crypto-integrated traditional banking services. Due to the mainstream adoption of cryptocurrencies, certain countries are integrating traditional banking and crypto services.
Europe, Asia, and North America provide these countries with regulatory clarity, safe banking settlements, and advanced fintech services, making them ideal for investors and firms looking for the perfect crossover between fiat and digital assets.
Key Points & Best Countries Offering Crypto-Integrated Traditional Banking Services
| Country | Key Point |
|---|---|
| Switzerland | Pioneer in crypto banking with banks like SEBA and Sygnum offering regulated crypto custody and trading |
| Germany | BaFin-regulated banks allow licensed institutions to provide crypto custody and investment services |
| United States | Major banks integrating crypto like JPMorgan and Goldman Sachs offering crypto-linked products |
| United Kingdom | Progressive fintech banks such as Revolut enabling crypto trading alongside traditional accounts |
| Singapore | MAS-regulated crypto services with strong institutional support for blockchain and digital assets |
| United Arab Emirates | Dubai as a crypto hub with banks offering seamless integration of crypto wallets and fiat accounts |
| Japan | Strict but supportive regulation allowing banks to partner with crypto exchanges for secure services |
| Canada | Crypto-friendly chartered banks offering Bitcoin ETFs and integrated digital asset services |
| Australia | Banks supporting crypto payments and partnerships with exchanges for retail and institutional clients |
| Estonia | Digital-first banking ecosystem with e-residency programs supporting crypto-integrated financial services |
10 Best Countries Offering Crypto-Integrated Traditional Banking Services
1. Switzerland
Switzerland, and particularly Zug, or “Crypto Valley”, is one of the foremost centers for crypto-friendly banking. Regulatory simplicity under the Sygnum Bank and SEBA Bank is gained via the national DLT-law.
They, amongst other entities, operate as fully licensed commercial banks and provide a blend of services. The combination of private banking with crypto trading and asset services per Swiss banking laws makes Switzerland particularly appealing to such investors.
Features Switzerland
Innovation and Crypto Valley – Zug is known around the world as a center for blockchain innovation and crypto-friendly businesses.
Licensed Crypto-Banking – Sygnum and SEBA banks provide a combination of traditional and crypto banking.
Regulatory Guidance – The Swiss regulator FINMA has refined guidance on crypto-assets and the Swiss legal framework.
Banking Services – The world-class banking system in Switzerland provides safety and liquidity, and offers an integrated approach for crypto services.
Services and Support Digital Assets – Full services for digital assets, including digital securities and tokenized securities, as well as custody of these assets.
2. Germany
Another sizeable player in integrated banking and crypto in the European market is Germany. The financial regulator BaFin in Germany recognises crypto assets and provide a framework in which a regulated bank or fintech provides crypto custody and financial services.
Clients in countries where the bank operate benefit from banking as a service, integrated crypto payments and deposits as well as copper bank accounts.
Germany provides a reliable link between these 2 worlds for customers in need of regulated banking and crypto for the European/ Germany law systems.
Features Germany
BaFin as the regulator – It is the first country in the world to provide a legal framework for crypto custody and financial services.
Banking in a Single Platform – Solarisbank and Nuri also provide crypto-linked bank accounts.
Compliance with the EU – The country is in sync with the rest of the EU in terms of banking and crypto regulation.
Fintech Crypto Regulation – The country provides regulation to allow fintech companies to provide crypto services.
Consumer Balance – The country has strong oversight to allow for safe and compliant crypto transactions.
3. United States
The U.S., despite having no unified legal framework, still has in place some of the most sophisticated banking systems in the world, with a growing intersection with the crypto world.
The increased regulatory flexibility has allowed banks and other financial institutions to offer services such as crypto-asset custody or collaborate more closely with other banking crypto firms.
As of 2025, legislation changes (e.g. from the Office of the Comptroller of the Currency, or OCC) has lifted some of the prior restrictions and enabled federally chartered banks to perform, under a defined set of risk guidelines, ‘crypto-related activities’.
This advancement has allowed both retail and institutional customers to gain access to crypto-embedded banking and other services offered through a traditional bank.
Features United States
Power Banking System – The country possesses an advanced traditional banking system.
Banking regulation – The responsibility of providing views for banking and crypto is on the OCC and SEC.
Growing Bank Adoption – A few chartered banks have started to expand their offerings to include support for crypto assets and provide crypto services.
Institutional Access – The offering of integrated assets for investment and lending includes crypto and other digital currencies.
Innovation Hubs – Cities such as Toronto and New York have crypto startups focusing on the integration of traditional banking services and digital assets.
4. United Kingdom
The United Kingdom is one of the many countries that are perceived as being part of the European crypto-finance ecosystem.
Even though some global surveys have found the United Kingdom to be one of the countries that is slowly developing a stable crypto-financial framework.
The UK is a preferred location for crypto-integrated banking solutions as not all banks offer crypto services and specialized banks and fintech companies work within a regulated environment.
The UK is a preferred location for those seeking to access European liquidity and regulated exchanges as well as crypto banking services.
Features United Kingdom
Regulated Crypto Framework – The UK’s Financial Conduct Authority (FCA) has regulatory oversight over crypto-asset firms in the country.
Fintech Ecosystem – A number of fintech companies provide crypto-integrated accounts as a part of their service offering.
European Connectivity – Access and connectivity to the banking and liquidity markets of the European Union.
Consumer Safeguards – Transparency of trading, custody, and payments for crypto-asset services.
Hybrid Services – The integration of digital assets within traditional banking services provided to both consumers and institutional clients.
5. Singapore
Singapore is the first Asian country to adopt a proactive regulatory approach. The Monetary Authority of Singapore (MAS) licenses crypto firms and exchanges under the Payment Services Act which provides them with regulatory clarity and consumer protection.
Singapore is a tax-friendly country which is also very supportive of fintech and blockchain startups. Therefore, Singapore is a top destination for those who seek a combination of traditional banking, regulatory stability, and digital asset integration.
Features Singapore
Proactive MAS Regulation – The Payment Services Act covers crypto service providers and services.
Crypto-Friendly Tax Policy – The policy environment encourages investment and trading in crypto.
Fintech & Blockchain Hub – The ecosystem for fintech startups that support the integration of banking is strong.
Licensed Exchanges – Exchanges that are legal and licensed provide crypto and fiat services.
Global Access – The country provides access to the Asia-Pacific crypto markets.
6. United Arab Emirates
Particularly Dubai and Abu Dhabi, the UAE has very quickly become a major hub for crypto banking.
The country has crypto-specialized regulations (token/stablecoin frameworks included) that allow licensed virtual‑asset service providers (VASPs) to engage in custody and exchange activities.
Regulatory clarity has also been complemented with an attractive business and tax structure, leading to influx of both startups and established firms.
Consequently, crypto banking in UAE has integrated with traditional banking and is increasingly offering services to global consumers.
Features United Arab Emirates (UAE)
Crypto Regulations – Dubai and Abu Dhabi have developed coherent frameworks for virtual assets.
VASPs Licensing – Licensed crypto firms can provide custody and trading as well as exchange services.
Business Friendly Tax Policies – Tax incentives global businesses.
Hybrid Banking Solutions – Traditional banks offer crypto services.
Global Investment Hub – Emplacement links Middle East and beyond.
7. Japan
Japan has been one of the earliest economies to resolve issues surrounding regulation in the cryptocurrency sector.
In addition to having crypto‑asset service providers register with the FSA, the financial authority of the country also requires the service providers to be monitored through the issuance of licenses for the provision of exchanges and custodial services.
This augurs well for potential users, be they institutions or individuals. With Japan being one of the technologically developed nations in the world, having a financial sector where banking,
crypto exchanges, and digital asset services synergistically operate alongside one another is a rarity and consequently, augurs well for integrated crypto‑banking solutions.
Features Japan
FSA Oversight – Japan regulator has a light touch and custodians.
Licensed Crypto Exchanges – Safe and compliant operations.
Banking Technology – Broadly adopted in payments and custody.
Consumer Confidence – Protections in law fuel adoption.
Integration with Traditional Finance – Jointly services.
8. Canada
Canada’s crypto regulatory environment has also evolved. With the year 2025 on the horizon, it is more common for financial institutions to incorporate crypto into the services
They offer, and some of them are starting to offer services such as custodial services, stablecoins, and the inclusion of crypto asset services integrated within regulatory umbrellas.
In addition to the governments and the regulators such as Canadian Securities Administrators (CSA), the Investment Industry Regulatory Organization of Canada (IIROC)
Canadian Investment Regulatory Organization (CIRO), stablecoin legislation is also being developed alongside clearer regulations on the platforms where crypto trading is conducted.
For users in search of a stable banking system which is regulated, Canada is one of the few nations that is allowing more integrated services between traditional banking and a crypto‑asset system.
Features Canada
Regulated Crypto Environment – CSA and IIROC provide crypto guidance.
Bank Partnerships – Increasing support for crypto custody and payments.
Stable Legal Framework – Safe blending for investors/legal.
Emerging Institutional Support – Canadian financial institutions adopting digital assets.
Compliance Focused – Strong AML/KYC for crypto integrated banking.
9. Australia
Australia generally takes a more cautious approach than most countries. Australia has a regulated environment for crypto-asset service providers for organizations such as AUSTRAC and Australian Securities and Investments Commission.
Legal compliance is observable and flows from crypto exchanges and fintechs involved in crypto to the AML/KYC regulations as well as registration requirements.
New opportunities might be on the horizon with the growth of crypto and the adaptation of Australian businesses to the crypto potential.
While Australia retains more of a regulatory risk [in the crypto space] than other more crypto proactive jurisdictions, the potential banking services involving crypto are realistic.
As Australian businesses adapt, the opportunities for banking services integrate crypto (custody, exchange, payments) is more realistic.
Features Australia
Regulatory Supervision – ASIC and AUSTRAC supervise crypto service providers.
Fintech Integration – Banking-asa-service platforms by crypto fintechs.
AML/KYC Compliance – Clarity in the law supports safe transactions.
Banking Partnerships – Traditional banks look at possible partnerships for custody and trading services for cryptocurrency.
Moderate Adoption – Continued expansion of banking services that integrate cryptocurrency.
10. Estonia
Estonia is often described as a trailblazer in crypto regulation among smaller European countries.
Since 2020, Estonian crypto-business has been expanding and are able to apply for one crypto license
Allowing a range of services: wallet services, cryptocurrency exchanges, custodial services, and fiat/crypto on- and off- ramps.
This is positive for fintechs and startups in creating a crypto banking framework.io For individuals or businesses that want to work with fiat and crypto under a regulated framework,
Estonia is often chosen. In Europe, Estonia is a recognized lean and transparent solution for integrating banking with crypto.
Features Estonia
Single Crypto License – Permits the activities of exchanges, providing wallets, and custodial services.
Digital-Forward Policies – Estonia promotes e-residency and innovation in fintech.
Regulated Crypto Operations – Defined compliance expectations for crypto businesses.
Integration with EU Banking – Efficient provision of fiat-to-crypto services.
Startup-Friendly Environment – Minimal regulations lead to the influx of global crypto companies.
Conclusion
To wrap up, Switzerland, Germany, The U.S., Singapore, and the UAE are pioneers in the integration of crypto services with traditional banking systems.
Robust crypto and banking regulations, licensed banks with custody and trading services, and protective regulations surrounding fintech make these countries attractive for customers and crypto-related businesses seeking innovative
compliant, and safer financial services with crypto integration. These countries are able to bridge the gap between traditional finance and digital assets.
FAQ
What are crypto-integrated traditional banking services?
These are banking services where traditional banks offer cryptocurrency-related features such as custody, trading, payments, and tokenization alongside standard banking.
Which country is most crypto-friendly for banking?
Switzerland is widely recognized due to its Crypto Valley, licensed crypto banks, and strong regulatory clarity.
Can I use crypto services in Germany with a regular bank account?
Yes, banks like Solarisbank provide accounts integrated with crypto services under BaFin regulation.
Is the United States safe for crypto banking?
Yes, regulated banks and financial institutions offer crypto-related services, with oversight from agencies like the OCC and SEC.
Which Asian country is best for crypto banking?
Singapore offers a clear regulatory framework, licensed exchanges, favorable taxes, and strong fintech support.
