Discover 10 Essential Neobanks for Crypto Holders in 2025
The rise of digital banking has paved the way for neobanks that cater specifically to cryptocurrency holders. In 2025, a number of neobanks are offering integrated services that allow users to manage both fiat and digital assets on a single platform. With features such as wallet support, crypto trading, and global transfers, these neobanks are transforming how individuals interact with their financial resources.
Before selecting a neobank, it is crucial to evaluate factors such as licensing, custody of crypto assets, and fee structures. Here are ten notable neobanks that cryptocurrency holders should consider this year.
Top Neobanks for Crypto Users
Revolut, established in the UK in 2015, allows users to buy, sell, and hold cryptocurrencies directly through its app. It supports a wide range of digital currencies and offers automated purchases. Users can also spend crypto via a prepaid card, enhancing the experience of using digital assets in everyday transactions.
Wirex bridges traditional banking and cryptocurrency use, focusing on enabling users to make daily purchases with digital currencies. This platform allows users to hold both crypto and fiat currencies, making it an appealing choice for those who want seamless integration in their financial activities.
Xapo Bank emphasizes accessible banking for crypto holders, providing custody services and global reach. Its focus on security and user convenience makes it a viable option for those looking to manage their digital assets effectively.
Nebeus, based in Barcelona, combines banking with multi-currency and crypto-backed lending services. This platform is ideal for users seeking comprehensive tools beyond mere trading and holding of cryptocurrencies.
Trastra, located in Prague, facilitates spending cryptocurrencies through a Visa debit card, allowing users to buy and sell digital assets with ease. Trastra’s design prioritizes spending capabilities, making it suitable for those who wish to use their crypto for everyday purchases.
SoFi is a US-based digital financial platform that integrates crypto investing with standard banking operations. Users who handle stocks, loans, or savings alongside their crypto investments will find SoFi offers a streamlined experience.
Current, initially a mobile-only banking app, has incorporated crypto trading and management features. This neobank appeals to users looking for quick access to both fiat and cryptocurrencies in a digital-first environment.
Monese, a UK neobank, offers multi-currency accounts and collaborates with various crypto service providers. This makes it particularly advantageous for clients managing both fiat banking and cryptocurrencies across different countries.
Monzo allows users to trade cryptocurrencies directly within its app. It also enables linking of exchange accounts, providing an overview of holdings alongside standard banking features, making it a practical option for crypto enthusiasts.
N26, based in Berlin, has introduced ‘N26 Crypto,’ allowing users to buy and sell a variety of cryptocurrencies through its app. This feature attracts users who prefer having their crypto integrated into their daily banking activities.
Considerations When Choosing a Neobank
As the landscape of digital banking continues to evolve, cryptocurrency holders must be mindful of several factors when selecting a neobank. Understanding the safety of holding crypto with these institutions is paramount. If neobanks utilize reputable custodians and maintain transparent fee structures, they can offer a secure environment for digital assets. However, it is important to note that crypto assets are not insured when kept outside traditional banking systems, warranting caution.
Users should also consider whether they can spend crypto using a neobank card. Many, like Wirex and Trastra, allow for instant conversion of crypto into fiat currency at the point of sale, facilitating everyday transactions.
The regulatory environment of a user’s country also plays a significant role in the features offered by neobanks. Many neobanks tailor their services, such as cryptocurrency trading and card usage, based on local regulations, which can impact users’ experiences.
While some may wonder if a neobank should only be used for crypto, the answer is no. These banks excel in providing services that encompass both fiat and digital assets, allowing for effective budgeting, spending, and saving.
Understanding the distinction between a cryptocurrency exchange and a crypto-friendly neobank is also essential. A cryptocurrency exchange focuses solely on buying and selling digital currencies, while a neobank incorporates traditional banking services alongside crypto support, blending the two worlds for a more comprehensive experience.
In conclusion, 2025 offers a variety of neobanks that cater to the needs of cryptocurrency holders. Whether one seeks to spend crypto, obtain crypto-backed loans, or manage all financial resources in one platform, these neobanks present a range of options. It is advisable to assess individual needs in relation to banking options, crypto accessibility, geographical considerations, and fee structures when making a choice.
