Which Banks Let You Buy Crypto In-App? Crypto-Friendly Banks and Deposits (2026)

By the SecureShift Team · Updated November 13, 2026

Disclosure: SecureShift is a non-custodial crypto swap service, not a bank. Bank offerings change quickly and vary by state and country; confirm with your bank. Educational content, not financial advice.

Banks that let you buy crypto in-app

Availability differs by state and country. In Europe, several banks and neobanks offer crypto under MiCA licences.

Banks that link to crypto exchanges

• JPMorgan Chase — Chase cards and accounts link to Coinbase, and rewards are being made convertible, but the Chase app itself doesn't offer bitcoin trading.
• Citi — partnering with Coinbase on stablecoin payments for business clients.
• Ally, Fifth Third and many regional banks — allow transfers to exchanges but offer no crypto product. Some limit transfer sizes for new accounts.

Which banks allow cryptocurrency deposits?

This is one of the most misunderstood questions. Banks don't accept crypto as a deposit into a dollar account. What people usually mean is:

1. Depositing proceeds from crypto sales (dollars from an exchange). Most banks allow this; some flag large or frequent transfers.
2. Holding crypto at a bank — SoFi, Schwab and PNC hold crypto you buy through them, but external crypto deposits are limited or not yet supported.
3. Crypto-native banks — a few institutions (e.g. specialized state-chartered or offshore banks) serve crypto businesses, usually not retail.

If your bank blocks exchange transfers, ask about their policy before moving large amounts, and keep records of every transaction for tax purposes.

Bank vs exchange vs non-custodial swap

Many people use a bank or exchange to get in with fiat, then move coins to a wallet they control and swap between assets non-custodially.

Fees to expect

Bank crypto trading typically charges 0.5–1.5% per trade or a spread. Exchanges are often cheaper for active traders. Non-custodial swaps charge a swap fee plus network fees but skip withdrawal fees.

FAQ

Can I buy bitcoin in my bank app?

Yes, if your bank is SoFi, PNC (eligible clients), or you use Revolut or Cash App. Many large banks still don't offer it.

Is crypto held at a bank FDIC-insured?

No. FDIC insurance covers cash deposits, not crypto.

Will my bank close my account for buying crypto?

It's less common in 2026 than a few years ago, but some banks still restrict exchange transfers. Check your bank's terms.

Can I send crypto from my bank to my own wallet?

Cash App allows BTC withdrawals; Revolut allows some coins. Schwab and many others don't yet.