Crypto-friendly banks and neobanks in the UK

None of them sells crypto, but some let you send more to an exchange than others. Barclays and HSBC have the most generous published caps, £2,500 per payment and £10,000 a month (HSBC counts any 30 days). Monzo allows £5,000 in any rolling 30 days. Six banks and apps block payments to exchanges outright, and we couldn't find a published crypto limit for Lloyds, Halifax or Bank of Scotland.

Where a limit is shown "a month", the bank counts calendar months; "30 days" means a rolling window. HSBC, first direct and NatWest say money coming back from an exchange isn't blocked or limited, Santander says it doesn't restrict payments coming in from Binance, and Metro Bank told Banking Dive that customers can still receive money from exchanges. Kroo returns incoming payments from crypto providers, and Starling has restricted them since 2022.

Only in a few apps. Revolut is the main one: it sells about 300 tokens, offers staking and lets you withdraw to your own wallet. PayPal's UK crypto hub lets you buy, hold and sell, but not send coins anywhere or move them to an outside wallet. eToro sells crypto on its investing platform and pairs it with an eToro Money account and card.

Monzo, Starling, Chase and the high-street banks don't sell crypto. Two investing apps also sell crypto to UK customers: IG since June 2025, through Uphold, and Robinhood since August 2026, through Bitstamp UK.

Yes, it is the most complete crypto offer of any UK neobank. Revolut sells crypto through Revolut Ltd, which is on the FCA's cryptoasset register, under separate crypto terms from your account. That matters as Revolut moves customers to its new bank: Revolut Bank UK Ltd's restrictions were lifted in March 2026, so eligible deposits there are FSCS-protected, but crypto stays with Revolut Ltd and isn't.

Costs depend on your plan. In the app, Standard and Plus customers pay the greater of a minimum fee or 1.49% per trade, Premium and Metal customers 0.99%. The price you're quoted also includes the market spread, which Revolut says isn't an extra fee of its own. Revolut X, its exchange for more active traders, charges 0% for maker orders and 0.09% for taker orders. Revolut says it may limit how much crypto you can buy or sell, and it tells you the limit before accepting an order.

Our full Revolut review covers staking rewards, withdrawals to your own wallet and how Revolut compares with a dedicated exchange.

Scams. Banks say they limit payments to exchanges to protect customers, because in a typical investment scam the victim sends money to a crypto account in their own name, buys crypto, then passes it to a fraudster. UK Finance says investment scam losses reached £221.5 million in 2025, up 40% on 2024, though its figures don't separate out crypto.

The refund rules push banks the same way. The mandatory reimbursement scheme for authorised push payment fraud, capped at £85,000, doesn't cover money you send to your own account at a crypto exchange. The Financial Ombudsman Service can still look at whether your bank should have done more to stop a payment, including payments to crypto providers.

The crypto industry argues the blocks go too far. A January 2026 survey by the UK Cryptoasset Business Council of ten exchanges said about 40% of payments to them were blocked or delayed, including payments to FCA-registered firms. That is an industry survey, not regulator data. UK Finance, which represents the banks, told MPs in October 2026 that limits vary by bank and reflect each lender's assessment of fraud risk.

First check that you are paying a legitimate, FCA-registered exchange: a blocked payment is sometimes the bank stopping a scam. Then stay inside your bank's limit, or use an account at a bank that allows larger transfers.

• Confirm the exchange's UK company on the FCA register and that you are paying an account in its name.
• Split a large purchase across your bank's monthly or 30-day limit rather than retrying a blocked payment, which some banks treat as a warning sign.
• Read your bank's rules before you ask it to review a blocked payment. Chase, for example, only allows payments to your own account at an FCA-registered UK firm.
• Don't use a credit card. Almost every UK bank blocks crypto purchases on credit cards, and PayPal refuses credit funding for crypto buys.
• Be careful with workarounds. Curve allows crypto merchants but charges a high-risk merchant fee, and the card behind it may still decline the payment or treat it as a cash advance.
• If someone is coaching you to move money to crypto, stop and report it to your bank and to Report Fraud.

Yes, through a crypto card rather than a bank. Revolut lets UK customers spend their crypto balance with its card, and dedicated crypto cards such as the Coinbase Card, issued in the UK by Paysafe, do the same from an exchange account. Spending crypto counts as a disposal for capital gains tax, so each purchase can create a taxable gain.