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There is no single “crypto-friendly account” category with uniform protection. The important question is where your fiat money is legally held, which company provides the crypto service, and whether a deposit-insurance scheme covers that specific balance. A deposit at an insured bank can qualify for FDIC, FSCS or FGDR protection; a fintech balance, exchange-held cash balance and cryptoasset may follow different rules even when they appear in one app. Compare the legal entity and custody chain before comparing trading features.
What “crypto-friendly” means in practice
Providers use the term for several different arrangements. A chartered bank may let customers send wires to an exchange or serve cryptocurrency companies. A fintech may provide a banking interface while partner banks hold deposits. An exchange may accept dollar deposits in pooled custodial accounts but not be a bank itself. A multi-service app may offer a conventional bank account and a separately contracted crypto service.
Those structures affect four things: who holds the money, how transfers are processed, what fees apply, and what happens if a provider fails. “Crypto-friendly” does not by itself mean that cryptoassets are insured, that an exchange wire will be accepted, or that limits are fixed and published.
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Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →Scan for outdated or missing drivers - takes under a minuteDriver Scan →| Provider type | Typical fiat path | Crypto functions | Protection question |
|---|---|---|---|
| Chartered bank | Deposit directly at the bank | Exchange wires, business banking and sometimes trading through a separate service | Is the bank insured, and is the balance an eligible deposit? |
| Fintech using partner banks | Funds are recorded and held through one or more partner banks | Payments, cards, exchange funding and account controls | Which partner holds the money, how is it titled, and are records sufficient for pass-through coverage? |
| Crypto company or exchange | Pooled custodial cash accounts or permitted liquid instruments | Buying, selling, custody, external-wallet deposits and withdrawals | Is the cash eligible for pass-through insurance? Crypto itself is generally outside bank-deposit schemes. |
| Combined bank-and-crypto app | Bank deposit for fiat; separate crypto account for digital assets | In-app trading and, where offered, on-chain withdrawals | Read the terms for each service and the entity serving your country. |
How deposit protection actually works
United States: FDIC covers eligible deposits, not crypto
The Federal Deposit Insurance Corporation’s 2024 consumer brochure describes a standard limit of $250,000 per depositor, per insured bank, per ownership category. The limit applies to eligible deposit products at an FDIC-insured bank. The same brochure explicitly excludes crypto assets.
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The FDIC’s advisory states that federal law allows the FDIC to insure deposits held in insured banks and savings associations, not assets issued by non-bank entities such as crypto companies. A provider can display an FDIC logo or use an FDIC-member partner without every balance in its app becoming an insured deposit. You must identify the insured institution, account ownership category and recordkeeping arrangement.
On March 28, 2025, the FDIC said FDIC-supervised institutions may engage in permissible crypto-related activities without prior FDIC approval, provided they manage risks and comply with applicable law. That supervisory change permits certain bank activities; it does not make cryptoassets insured deposits. FDIC Acting Chairman Travis Hill described the change as “turning the page on the flawed approach of the past three years.”
United Kingdom: FSCS protection is limited to eligible deposits
For the UK examples covered here, eligible deposits receive protection up to £120,000 per person per bank under the Financial Services Compensation Scheme (FSCS). The protection follows the eligible bank deposit, not a crypto balance merely displayed in the same application. Monzo’s December 2025 information sheet also states the £120,000 limit and says a business account is treated as one depositor.
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Revolut Bank UK Ltd announced on March 11, 2026 that it had become a bank. Its announcement says eligible deposits at that entity receive FSCS protection up to £120,000 per person, while crypto, commodities and stocks are supplied by different entities and are outside Revolut Bank UK Ltd’s FSCS protection.
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France: FGDR protection for eligible Revolut deposits
Revolut’s French deposit information identifies coverage of €100,000 per depositor under the Fonds de Garantie des Dépôts et de Résolution (FGDR) for eligible deposits at Revolut Bank S.A. The same information distinguishes crypto and investment products from deposits, so the €100,000 figure should not be applied to those products.
Pass-through coverage requires accurate records
When a fintech or exchange holds customer cash in an account at an insured bank, the customer may receive pass-through coverage rather than holding a conventional account in their own name. That outcome depends on the custodial agreement, account records identifying each customer and the regulator’s determination if the intermediary fails. Do not assume that pooled cash is automatically insured simply because the underlying bank is insured.
Provider-by-provider comparison
Mercury: business banking for cryptocurrency companies
Mercury describes its Web3 product as banking for cryptocurrency startups. Its wires include the business name, a detail that can help exchanges such as Gemini and Coinbase match and credit incoming business wires. The service also includes business cards and spending controls.
Mercury states plainly that it is a fintech company, not an FDIC-insured bank. Banking services are provided through Choice Financial Group and Column N.A., both Members FDIC. The practical question for a customer is therefore where a particular deposit is held, which partner-bank account is used and how the balance is titled and recorded. Review the account agreement and the current disclosure before treating the balance as insured.
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Coinbase: exchange-linked cash is different from crypto
Coinbase says it is not an FDIC-insured bank and that digital currency is not insured or guaranteed by the FDIC. It says US customer dollar funds are pooled in custodial accounts at US financial institutions and/or invested in permitted liquid instruments. When held as cash at an FDIC-insured bank or an NCUSIF-insured credit union, those funds may be structured for pass-through coverage.
Coinbase’s disclosure, current as of May 2025, says the structure is intended to allow a claim for pass-through coverage up to the applicable per-depositor limit, cited there as $250,000. Coverage still depends on complete and accurate records and on the regulator’s receivership determination. Crypto balances remain uninsured by the FDIC, NCUSIF and SIPC. A dollar balance and a bitcoin or other token balance must therefore be evaluated separately.
Revolut: a bank account plus a separate crypto service
Revolut’s terms require a Revolut bank account to use its crypto service but state that the cryptoasset account is a separate service. The terms cover buying, selling, depositing, withdrawing and holding cryptoassets and state that the crypto service is not protected by the European Deposit Guarantee Scheme in the cited Cyprus arrangement.
The published personal fee schedule gives a concrete example for customers on UK-style plans: Standard customers pay a 1% fair-usage fee above £1,000 of combined monthly exchange activity; Plus customers pay 0.5% above £3,000; Premium, Metal and Ultra have no fair-usage fee. The schedule lists custody and deposits as free. These are plan- and market-specific terms, so check the in-app quote and fee display before confirming a trade.
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Crypto withdrawals have daily and monthly limits that reset on rolling periods. Revolut says it can adjust them using account activity and risk factors, and the app shows the applicable limit when you enter a withdrawal. That dynamic approach is materially different from a single permanent bank-transfer cap.
Monzo: a conventional UK-bank benchmark
Monzo’s December 2025 FSCS information sheet says eligible deposits are protected up to £120,000 per depositor per bank and that business accounts count as one depositor. The information available for this comparison does not establish Monzo as a crypto-trading provider. Use it as a reference point for conventional UK deposit protection, not as evidence that cryptoassets are covered.
Fees, limits and custody at a glance
| Provider | Published fee or spread information | Transfer or withdrawal limits | Fiat protection position | Crypto protection |
|---|---|---|---|---|
| Mercury | Not stated in the available product information; check current business-account pricing and wire terms. | Not stated; limits may depend on account, transfer type and risk controls. | Mercury is not a bank. Deposits are provided through Choice Financial Group and Column N.A.; verify the holding partner and records. | Not an insured-deposit product. |
| Coinbase | Specific trading fees are not stated here. Separate any exchange fee, spread, network fee or third-party charge shown at confirmation. | Not stated as a single fixed cap; account and risk controls can apply. | US dollar cash may be pooled at insured institutions and may receive pass-through coverage subject to records and regulator determination. | Digital currency is not FDIC-, NCUSIF- or SIPC-insured. |
| Revolut Standard | 1% fair-usage fee above £1,000 of combined monthly exchange activity in the cited schedule; custody and deposits free. | Crypto withdrawal limits are daily and monthly, rolling and dynamically set; the app displays the limit. | UK eligible deposits at Revolut Bank UK Ltd: FSCS up to £120,000; French eligible deposits at Revolut Bank S.A.: FGDR up to €100,000. | Crypto service is separate and outside the cited deposit schemes. |
| Revolut Plus | 0.5% fair-usage fee above £3,000 of combined monthly exchange activity in the cited schedule. | Same dynamic withdrawal approach; verify in-app. | Depends on the serving country and legal entity. | Outside deposit-scheme protection. |
| Revolut Premium, Metal and Ultra | No fair-usage fee in the cited schedule; ordinary exchange spreads or other charges can still apply. | Displayed dynamically in the app. | Depends on the serving country and legal entity. | Outside deposit-scheme protection. |
| Monzo | Not a crypto-trading fee schedule in the available information. | Not stated for crypto transfers. | Eligible UK deposits protected up to £120,000 per depositor per bank; business accounts treated as one depositor. | No evidence here that Monzo offers crypto custody or that FSCS covers crypto. |
“Free” in a plan table does not mean every transaction costs nothing. Confirm the total at the point of transfer, including a subscription, exchange spread, fair-usage surcharge, blockchain network fee and any third-party receiving fee.
How to check an account before sending money
- Identify the contracting entity. Open the legal terms, not just the marketing page. Record the company name, country and whether it is a bank, e-money institution, fintech or crypto company.
- Trace the fiat custody path. Find the named deposit-taking partner or custodial institution. Determine whether your balance is an individual deposit, a pooled account or an investment in permitted liquid instruments.
- Match the protection scheme to the balance. For US accounts, confirm FDIC-insured-bank status and the ownership category. For UK accounts, check that the serving entity is covered by FSCS. For France, check the Revolut Bank S.A. FGDR information. Treat crypto and investment balances separately.
- Price the complete transaction. Enter the intended amount and destination, then note the displayed exchange rate, spread, plan surcharge, network fee and receiving-bank charge. Repeat the check after crossing a monthly fair-usage threshold.
- Check the live limit. Review transfer, deposit and withdrawal screens immediately before sending. A risk-based limit can be lower than a headline limit and can change after account activity or a security review.
- Run a small test transfer. For a new exchange or external wallet, send a modest amount first, verify the beneficiary details and wait for confirmation before moving the full balance.
- Keep records. Save the confirmation, fee breakdown, transaction identifier and the legal terms in force on the transaction date. These records help resolve a misdirected transfer or a later insolvency claim.
Which structure fits each use case?
Personal investor who mainly needs fiat on and off an exchange
Use an insured bank account as the cash reserve and treat the exchange account as a transaction venue. Confirm whether dollar or pound cash receives pass-through treatment, and keep the amount within the relevant per-depositor limit when practical. Do not leave a crypto balance on the assumption that the cash-insurance limit applies to it.
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Crypto startup paying vendors and receiving exchange wires
A business fintech such as Mercury can be useful when the wire carries the company name and the account supplies business controls. Before relying on it for treasury funds, verify the partner bank, account titling, country eligibility, wire fees and any restrictions on the activities of your company.
User who wants in-app buying and on-chain withdrawals
A combined app such as Revolut may be convenient, but evaluate the bank and crypto contracts independently. Check the plan threshold, spread and live withdrawal limit for the specific asset and destination network. The bank’s deposit protection does not follow the cryptoasset into the separate service.
Customer prioritizing straightforward UK deposit protection
Use the FSCS information sheet and the bank’s legal entity as the starting point. Monzo provides a conventional benchmark for the £120,000 eligible-deposit limit; it should not be interpreted as a crypto offering.
Common failure modes and fixes
- Assuming an FDIC or FSCS logo covers everything: identify the exact insured bank and the product type. Crypto and many investment products are excluded.
- Sending a personal wire to a business-only account: use an account whose legal name matches the sender and the exchange’s beneficiary requirements; ask the provider how incoming wires are credited.
- Ignoring pooled-account conditions: request the custodial disclosure and confirm that your identity and balance are recorded for pass-through purposes.
- Using a published cap that is no longer live: check the transfer or withdrawal screen immediately before the transaction, especially on Revolut where limits can be rolling and risk-adjusted.
- Calculating only the visible trading fee: include fair-usage charges, spreads, network costs and third-party fees in the total.
- Believing a bank licence insures the crypto service: read the service separation language. Revolut’s bank deposit and cryptoasset account are different services and entities.
- Moving the full balance on the first attempt: test the beneficiary, destination address and network with a small transfer, then retain the transaction record.
What to monitor after opening the account
Protection, fees and limits are changeable. Recheck the provider’s legal entity, partner-bank disclosure, insurance wording, plan schedule and withdrawal screen whenever you change country, upgrade a plan or materially increase volume. Review the date on every fee sheet: Revolut’s examples and its UK bank status are 2026 information, while Coinbase’s cited insurance disclosure is current as of May 2025 and Monzo’s sheet is dated December 2025.
The safest operating pattern is simple: keep operating cash at a verified insured bank, use a fintech or exchange only for the amount needed for a defined transaction, and treat every cryptoasset balance as uninsured unless a regulator and the provider’s terms explicitly establish otherwise.
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