In 2025, crypto is no longer a niche market. Millions of people and businesses hold digital assets. Many of them want to move between crypto and traditional money quickly and safely. That’s where crypto-friendly banks come in.
These banks are helping bridge the gap between digital assets and everyday finance. They make it easier for users to convert Bitcoin, Ethereum, and other tokens into fiat currencies like USD, EUR, or GBP and vice versa.
But which banks are truly offering seamless crypto to fiat conversions? Let’s explore the major players and what makes them stand out in 2025.
Why do crypto-friendly banks matter?
Crypto adoption is growing like crazy. In fact, over 420 million people worldwide were using cryptocurrencies by the end of 2024, according to Statista. That number is only going up.
As more people invest, trade, and build in crypto, there’s one thing they all need: a reliable and fast way to move their money in and out of the blockchain..
That’s where crypto-friendly banks step in. They handle the nuts and bolts, helping you deposit fiat, withdraw profits, and sometimes even settle in real time. This is a game-changer for traders, businesses, and everyday users alike.
Top banks supporting crypto to fiat conversions
“We’re past the question of if crypto will go mainstream,” says Benedetto Biondi, CEO at Folks.Finance. “The real question is: How do we make it practical for everyone?” Here are some of the top institutions making fiat-to-crypto easier in 2025:
1. JPMorgan Chase (USA)
Once sceptical of crypto, JPMorgan now leads with innovation. The bank introduced JPM Coin, a digital currency for institutional clients. It also runs Onyx, a blockchain-based settlement platform. With its size and regulatory alignment, JPMorgan gives businesses a stable partner for crypto-related transactions.
Pro: Highly regulated and widely trusted.
Con: Services are mostly limited to institutions, not retail users.
2. DBS Bank (Singapore)
DBS is Southeast Asia’s largest bank and one of the few that operate a regulated crypto exchange. It offers services like tokenized securities, custody solutions, and fiat ramps for institutional clients.
Pro: Offers a full suite of crypto and fiat services.
Con: Services are regionally focused and geared toward large clients.
3. Customers Bank (USA)
Customers Bank created CBIT, a token enabling real-time USD transactions for crypto businesses. Many large exchanges in the U.S. use it. It works 24/7, unlike most traditional banks.
Pro: Instant settlements and high-speed payments.
Con: Less known to retail customers.
4. Revolut (UK/Europe)
Revolut is a digital bank that allows users to buy and sell crypto directly in-app. It supports fiat accounts in multiple currencies and connects easily to external wallets.
Pro: Great for casual users and international transfers.
Con: Fees can be high, and advanced features are limited.
5. AMINA Bank (Switzerland)
Switzerland’s AMINA Bank (Previously SEBA Bank) is fully regulated and provides integrated accounts for both crypto and fiat. Users can manage Bitcoin and Swiss francs in the same place. It also supports staking and tokenization.
Pro: Strong regulation and flexibility.
Con: Mainly targets high-net-worth individuals and institutions.
6. Mercury (USA)
Mercury is a popular option for startups. It supports sub-accounts, fast transfers, and allows links to crypto exchanges. While it doesn’t offer crypto services directly, it allows smooth fund flow between platforms.
Pro: Startup-friendly and tech-forward.
Con: Lacks built-in crypto services.
Benefits of crypto banking partnerships
Let’s face it, crypto is fast, but traditional banking? Not always. In 2025, though, we’re starting to see the two worlds work better together.
Crypto-friendly banks aren’t just convenient—they’re becoming essential. Whether you’re running a business or just trying to cash out some gains, the right bank can save you time, stress, and money.
Here’s how they make life easier:
- Faster Conversions
Nobody wants to wait two or three business days for a transfer. Crypto banks like Customers Bank use systems like CBIT to move USD 24/7—no delays, no downtime. - Global Access
Need to send or receive funds across borders? No problem. Banks like Clear Junction and Fiat Republic make it simple for companies to operate across different countries without jumping through hoops. - Stronger Security and Regulation
Let’s be honest—crypto has had its fair share of hacks. That’s why top banks stick to strict KYC and AML rules. Some even offer cold storage and insurance to protect your funds. It’s not just safer—it’s smarter.
Some risks and challenges
Despite the growth, there are still reasons to be cautious.
1. Limited availability
Many of the top crypto-friendly banks only serve institutions or specific regions. Retail users may have to settle for partial support or higher fees.
2. Regulation is still evolving
Laws are changing fast. In Europe, MiCA regulation is standardizing crypto oversight. But in other parts of the world, uncertainty remains. Some banks could lose access or shut down services suddenly.
3. Fees and restrictions
While some platforms offer zero-fee transfers, others charge up to 3% for deposits or withdrawals. Users need to read the fine print.
Traditional banks entering the space
Not just new players. Some well-known institutions are now dipping into crypto.
Lloyds Bank (UK) supports debit payments to exchanges but blocks credit card purchases.
Ally Bank (USA) allows transactions with crypto exchanges and exposure to ETFs.
SBI Sumishin Net Bank (Japan) partners with exchanges to offer crypto services under Japan’s strict regulations.
These traditional banks bring trust, but also caution. Most of them don’t offer direct crypto products, just support for related transactions.
What to look for in a crypto-friendly bank
If you need crypto to fiat conversions or fiat to crypto conversions, keep these things in mind:
1. Currency and Payment Options
Good banks support multiple fiat currencies and popular payment methods like bank transfers, credit cards, or PayPal.
2. Speed and Fees
Look for platforms with transparent fees. Deposits should be quick, and withdrawals shouldn’t cost a fortune.
3. Security Measures
Top banks offer two-factor authentication, cold storage, and advanced fraud detection.
4. Partnerships
Exchanges like Binance, Kraken, and Coinbase work with banks to improve speed and trust. These partnerships matter.
Bottom line
Crypto-friendly banks are an extremely important part of the financial ecosystem in general. They help users and companies move between digital assets and fiat money smoothly. As adoption grows, these banks will likely play an even bigger role.
Still, caution is needed. Regulations are tightening. Access varies by region, and not all banks offer the same speed or service level.
But with the right partners, crypto to fiat conversions in 2025 are faster and more reliable than ever before. Whether you’re a business owner, trader, or just starting out, finding the right bank can make all the difference.
Discover our latest article, “How to Stop Your Crypto Bank Account From Being Shut Down?” and delve deeper into the top industry news.
Our crypto finance experts are here to help you build the perfect setup, from secure withdrawals to global payments. Book a free consultation and let’s get your crypto working smarter for you.
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