10 Most Crypto-Friendly Banks for French Residents in 2025

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The world of finance is evolving rapidly, and one of the most significant shifts has been the growing integration of cryptocurrencies into traditional banking systems. While some financial institutions remain cautious—or even hostile—toward digital assets, others have embraced the change, offering services tailored to crypto-savvy users. For French residents navigating this new landscape, choosing the right crypto-friendly bank can make a major difference in how easily and securely they manage both fiat and digital wealth.

In this comprehensive guide, we’ll explore the 10 most crypto-friendly banks available to French users in 2025, analyze their features, and help you determine which one aligns best with your financial goals.

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What Makes a Bank "Crypto-Friendly"?

A crypto-friendly bank is a financial institution that allows its customers to interact with cryptocurrencies—either directly or indirectly—without imposing restrictions or closing accounts due to crypto-related activity.

These banks typically fall into two categories:

Key indicators of a crypto-friendly bank include:

Regulatory compliance is also crucial. In Europe, many of these institutions are regulated under frameworks like MiCA (Markets in Crypto-Assets Regulation), ensuring user protection and operational legitimacy.

The 10 Most Crypto-Friendly Banks for French Users in 2025

Below is our curated list of banks that stand out for their openness to cryptocurrency users, based on service offerings, fees, user experience, regulation, and reputation.

1. bunq – The Dutch Neobank Leading in Crypto Integration

Launched in 2015, bunq has emerged as a frontrunner among European neobanks—especially for crypto users. Based in the Netherlands and regulated by De Nederlandsche Bank (DNB) and AFM, bunq allows customers to buy, hold, and sell over 300 cryptocurrencies directly within the app through a partnership with Kraken.

Beyond crypto, bunq offers:

With tiered pricing from €0 to €18.99/month, bunq balances premium features with accessibility. Transaction fees for crypto trades range from 0.25% to 1.99%, depending on your plan.

👉 See how top-tier neobanks simplify crypto banking

2. Boursobank – France’s Top Online Bank for Crypto Investors

Formerly Boursorama, Boursobank is one of the most trusted online banks in France. Fully regulated by ACPR and AMF, it has long allowed seamless transfers to major exchanges like Binance, Kraken, and Coinbase.

Since March 2025, Boursobank has expanded its crypto offerings by introducing ETNs (Exchange Traded Notes) linked to top cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), XRP, Solana (SOL), and Cardano (ADA). While not actual crypto ownership, ETNs allow exposure to price movements through a traditional brokerage account.

Additional benefits:

Though it doesn’t support direct crypto purchases yet, its stability and low cost make it ideal for intermediate investors.

3. Deblock – The French Web3-First Neobank

Founded in 2022 by former Revolut and Ledger employees, Deblock is a homegrown French fintech designed specifically for the Web3 generation. As a licensed PSAN (Prestataire de Services sur Actifs Numériques) and holder of the rare MiCA license, Deblock operates legally across Europe.

What sets Deblock apart:

Users can access advanced features (like the "Native" plan) by owning an NFT from its Bursted Bubbles collection. Monthly plans start at €0, with crypto-fiat swap fees ranging from 0% to 1.99%.

Deblock represents a bold step toward blending traditional banking with decentralized finance.

4. Swissquote Bank Europe – The Swiss Powerhouse for Traders

Luxembourg-based Swissquote Bank Europe, part of the Swissquote Group, caters to serious investors and traders. Regulated by Luxembourg’s CSSF and part of the FGDL deposit guarantee scheme, it offers access to 43 cryptocurrencies via its SQX exchange.

Key features:

While fees are relatively high compared to competitors, Swissquote excels in security, diversification, and professional-grade tools—ideal for active traders.

5. Revolut – The Traveler’s Choice with Strong Crypto Support

UK-based Revolut is a mobile-only neobank popular among frequent travelers thanks to its support for 150+ currencies. Available in France via a local subsidiary and regulated by the FCA and Bank of Lithuania, Revolut supports:

Despite occasional user complaints about temporary fund freezes (usually unrelated to crypto), Revolut maintains strong overall satisfaction. Its free tier makes it accessible, while premium plans unlock higher limits and additional features.

6. N26 – The German Neobank with Mixed Reviews

N26, headquartered in Germany and regulated by BaFin and ECB, allows unrestricted transfers to crypto exchanges. However, it does not yet offer direct crypto trading within the app—though a partnership with BitPanda may soon change that.

Pros:

Cons:

Best used as a secondary account rather than a primary banking solution.

7. Yuh – The Swiss Mobile-Only Fintech

A joint venture between PostFinance AG and Swissquote Bank SA, Yuh launched in 2021 targeting young Swiss and EU users. Fully regulated by FINMA, it offers:

Despite competitive exchange rates and low international transfer costs, Yuh suffers from widespread criticism over slow customer support.

8. Banque Delubac & Cie – France’s First Crypto-Enabling Traditional Bank

Established in 1924, Banque Delubac & Cie made history as the first French bank to offer direct cryptocurrency access. Holding PSAN status since 2022, it enables clients to buy and store:

While fees are higher than online-only banks, Delubac provides full traditional banking services alongside its crypto offerings—making it suitable for conservative investors seeking legitimacy.

9. Société Générale – A Legacy Bank Embracing Innovation

One of France’s oldest banks, Société Générale, stands out for issuing its own euro-backed stablecoin—EURCV—through its subsidiary SG-FORGE. Though it doesn’t allow direct crypto trading, it fully supports transfers to exchanges.

Advantages:

Higher fees compared to neobanks are offset by reliability and institutional trust.

10. Trade Republic – The Broker-Turned-Bank with High-Yield Savings

Originally a German brokerage founded in 2015, Trade Republic obtained full EU banking status in late 2023. Now regulated by BaFin, it offers:

Limitations:

Nonetheless, its low fees and strong yield attract growing numbers of retail investors.

How to Choose the Right Crypto-Friendly Bank

Selecting the best bank depends on your priorities. Consider these key criteria:

✅ Fees

Compare account maintenance charges, transaction costs, ATM withdrawals, and foreign exchange spreads.

✅ Services Offered

Do you need multi-currency support? A physical card? Direct crypto purchases?

✅ Regulatory Status

Ensure the bank is licensed under reputable authorities like ACPR, BaFin, CSSF, or FINMA.

✅ Security & Custody Model

Is your crypto held in custody or non-custodially? Who controls the private keys?

✅ Customer Support

Look at real user reviews—especially regarding dispute resolution and response times.

✅ Flexibility

Can you easily move funds between fiat and crypto? Are there limits on exchange transfers?

👉 Compare top platforms offering secure crypto-fiat bridges

Frequently Asked Questions (FAQ)

What is a crypto-friendly bank?
A crypto-friendly bank allows customers to engage with cryptocurrencies—either by permitting transfers to exchanges or offering direct buying, selling, and storage of digital assets.

Which banks in France support cryptocurrency transactions?
Top options include bunq, Boursobank, Deblock, Revolut, N26, Yuh, Banque Delubac & Cie, Société Générale, and Trade Republic—all allowing some form of crypto interaction.

Can I buy Bitcoin directly through my bank?
Yes—bunq, Deblock, Swissquote, Yuh, Banque Delubac & Cie, and Trade Republic allow direct crypto purchases within their apps.

Are my funds safe in a crypto-friendly bank?
Most operate under strict EU regulations and participate in deposit guarantee schemes (e.g., up to €100,000). However, crypto holdings may not always be covered—check each provider’s policy.

Should I use multiple banks?
Yes. Multibanking reduces risk by avoiding over-reliance on a single institution. Use one bank for daily spending and another dedicated to crypto investments.

Do any French banks offer crypto staking?
Revolut supports staking for ETH, ADA, DOT, and XTZ. Others may follow as regulations evolve under MiCA.

Final Thoughts: The Future of Banking Is Hybrid

As blockchain technology gains mainstream acceptance, the line between traditional finance and decentralized ecosystems continues to blur. The rise of crypto-friendly banks signals a shift toward more inclusive, flexible financial systems—particularly evident in France’s progressive fintech environment.

Whether you're a casual investor or an active trader, there's now a banking solution tailored to your needs. From full-service legacy institutions like Société Générale to innovative neobanks like Deblock and bunq, the choice is yours.

And remember: diversification isn’t just smart investing—it’s smart banking.

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