In this article, Ill share the best crypto custody banks in Europe, spotlighting trustworthy names that pair old-school bank security with cutting-edge digital-asset tools.
From tightly regulated storage to smooth crypto-to-fiat swaps, these banks give both people and firms reliable safekeeping.
Whether youre a weekend retail buyer or a full-time pro, these custody choices put compliance, safety, and easy access within reach.
Key Points & Best Crypto Custody Banks Europe List
| Bank Name | Key Point |
|---|---|
| Mora Banc Grup, SA (Andorra) | Private bank focused on wealth management and private banking in Andorra. |
| flatex DEGIRO Bank AG (Austria) | Online brokerage platform serving retail investors across Europe. |
| Lunar Bank A/S (Denmark) | Mobile-first digital bank targeting millennials and Gen Z customers. |
| Banque Delubac et Cie (France) | Niche bank offering legal and specialized financial services. |
| Hauck Aufhäuser Lampe Privatbank AG (Germany) | German private bank with services in asset management and investment banking. |
| Trade Republic Bank GmbH (Germany) | Commission-free trading app with a focus on ETFs and stock investing. |
| Xapo Bank Limited (Gibraltar) | Bitcoin-friendly bank combining traditional banking with crypto custody. |
| Swissquote Bank Europe S.A. (Luxembourg) | Online banking arm of Swissquote focused on EU clients with trading services. |
| Banco L.J. Carregosa, SA (Portugal) | Boutique private bank offering investment and advisory services. |
| BISON BANK, SA (Portugal) | Financial institution with a focus on wealth management and digital assets. |
10 Best Crypto Custody Banks Europe
1.Mora Banc Grup, SA (Andorra)
Mora Banc Grup, S.A., a bank tucked away in Andorra, is quickly earning a name as one of Europes top crypto custody banks. Praised for strict rule-following and a laser focus on keeping client assets safe, the bank now rolls out institutional-grade storage for digital coins.
It mixes time-tested private banking with fresh fintech ideas, attracting wealthy clients and big institutions that want secure crypto lockers. Working from Andorra, Mora Banc also enjoys light-touch privacy laws that many investors find appealing.
With its blend of innovation, secrecy, and solid governance, Mora Banc stands out as a reliable guide through Europes fast-changing crypto custody scene.
| Feature | Details |
|---|---|
| Location | Andorra |
| Type | Private bank |
| Crypto Custody Support | Yes, for high-net-worth individuals and institutions |
| Regulatory Compliance | Operates under Andorran financial regulations |
| Security | Institutional-grade custody infrastructure |
| Integration | Combines traditional wealth management with digital assets |
| Client Focus | Private banking clients seeking secure crypto storage |
2.FlatexDEGIRO Bank AG (Austria)
flatexDEGIRO Bank AG sits in Frankfurt and runs a full branch in Austria. In late 2024 the bank rolled out crypto trading in Germany and, only months later, snagged the Best Crypto Broker title at the 2025 Broker Election. Readers praised its low fees, clear terms, and steady service.
Trading and safe-keeping ride on a MiCA-compliant setup from Wyden, tradias, and Tangany, so the bank now reaches most major European markets.
Because the banking and trading tools work closely together, customers enjoy regulated custody of over twenty leading coins inside a well-known bank.
| Feature | Details |
|---|---|
| Location | Austria (HQ in Germany) |
| Crypto Services | Trading and custody |
| Custody Partner | Tangany (BaFin-licensed custodian) |
| Crypto Coverage | 20+ major cryptocurrencies |
| Regulation | MiCA-compliant, BaFin-regulated |
| Award | “Best Crypto Broker 2025” in Broker Election |
| Integration | Seamless with trading interface |
3.Lunar Bank A/S (Denmark)
Lunar Bank A/S is a Danish digital bank that launched in 2015, earned its full banking license in 2019, and now ranks as one of Europes leading crypto custodians.
Through its Lunar Block A/S division, customers can buy and sell popular coins like Bitcoin, Ethereum, Cardano, Dogecoin, and Polkadot straight from the mobile app .
By teaming up with Coinbase, Kraken, and Bitstamp, the bank offers clear pricing and fast trades-no outside wallets and no surprise fees.
Backed by strict DFSA oversight, deposit protection up to 100,000, and over one million Nordic users, Lunar mixes the security of traditional banking with easy-to-use crypto tools, positioning itself as a top European choice for digital asset custody.
| Feature | Details |
|---|---|
| Location | Denmark |
| Platform Type | Mobile-first digital bank |
| Crypto Trading | Integrated within Lunar app |
| Custody Partner | Works with Coinbase, Kraken, Bitstamp |
| Regulation | Licensed by DFSA, covered by Danish deposit guarantee |
| Supported Coins | BTC, ETH, DOGE, ADA, DOT, and more |
| User Base | 1+ million users in the Nordics |
4.Banque Delubac et Cie (France)
Banque Delubac et Cie has called France home since 1924 and, today, stands out as one of Europes leading crypto custody banks. In 2022 the AMF and ACPR officially recognized it as the first French bank licensed as a Digital Asset Service Provider (DASP).
The bank offers safe, ring-fenced storage on French soil for Bitcoin, Ethereum, Tezos, NFTs, tokenized assets and staking. Its partnership with Taurus and Wyden delivers institutional-grade infrastructure
MiCA-compliant best execution, cross-exchange liquidity and an easy-to-use trading dashboard. Whether you are an individual, a corporate client, or a full-scale institution, Delubac blends nearly a century of banking trust with the latest Web3 technology.
| Feature | Details |
|---|---|
| Location | France |
| Licensing | First French bank registered as DASP (AMF & ACPR) |
| Custody Solution | Onshore, institutional-grade |
| Supported Assets | BTC, ETH, Tezos, tokenized assets, NFTs, staking |
| Infrastructure Partners | Taurus, Wyden |
| Regulation | Fully compliant with MiCA and French law |
| Target Clients | Individuals, corporates, and institutions |
5.Hauck Aufhäuser Lampe Privatbank AG (Germany)
Hauck Aufhäuser Lampe Privatbank AG is a historic German private bank, tracing its lineage to 1796, yet today it ranks among Europes top crypto-custody firms.
Under the brand Hauck Aufhäuser Digital Custody, the lender delivers full-regulation storage for crypto coins, tokenized shares, fund units and other digital assets, guarding private keys and streamlining on-chain issuance.
In July 2024 it served as custodian for KfWs 100-million euro Polygon bond, and it also recorded Siemenses 60-million euro crypto-security deal.
Supported by its purchase of Kapilendo Custodian AG and a BaFin licence, the bank blends long-standing financial know-how with modern digital-infrastructure technology, claiming a premier spot in the regions custody market.
| Feature | Details |
|---|---|
| Location | Germany |
| Crypto Subsidiary | Hauck Aufhäuser Digital Custody GmbH |
| Regulation | BaFin-regulated |
| Supported Assets | Crypto, tokenized bonds, fund shares |
| Use Cases | Custodian for Siemens and KfW blockchain bond issuances |
| Infrastructure | Includes blockchain issuance and secure storage |
| Market Position | One of Germany’s most trusted banks for institutional digital assets |
6.Trade Republic Bank GmbH (Germany)
Trade Republic Bank GmbH, a German firm, has quickly risen to the top of the list for crypto custody in Europe. Thanks to a full MiCA licence from BaFin given in May 2025, the bank now offers in-house custody and trading across 30 EEA countries .
Your coins stay safe with Trade Republic Custody GmbH in Vienna, locked in segregated cold wallets that BitGo Germany oversees . Inside its easy-to-use mobile app, clients deal in over 50 assets, paying clear fees around €1 per trade.
That said, users can’t move crypto to outside wallets, and the bid-ask spread can reach 1-3 % , so power traders might find the service too rigid.
| Feature | Details |
|---|---|
| Location | Germany |
| Crypto Availability | 50+ coins, trading via app |
| Custody Entity | Trade Republic Custody GmbH (Vienna) |
| Storage | Cold wallet, powered by BitGo Germany |
| Regulation | MiCA license (2025), BaFin-regulated |
| Access | 30 EEA countries |
| Limitation | No external wallet withdrawals, limited flexibility |
7.Xapo Bank Limited (Gibraltar)
Xapo Bank Limited sits in Gibraltar and is often called one of Europes top crypto-custody banks. It holds a full license as a bank and a Virtual Asset Service Provider (VASP) from the Gibraltar Financial Services Commission
So client funds sit behind strict KYC/AML steps and Gibraltars deposit protection of €100,000 for cash and €20,000 for securities.
Xapo first offered institutional Bitcoin storage inside military-grade vaults burrowed underground, paired with advanced multi-party-computation (MPC) key management.
It now handles BTC, ETH, ADA, and MATIC through one easy banking dashboard, and it recently rolled out beneficiary planning and Bitcoin-secured loans, blending classic banking with modern crypto ease.
| Feature | Details |
|---|---|
| Location | Gibraltar |
| Licensing | Bank + VASP license from GFSC |
| Custody Security | Military-grade vaults, MPC technology |
| Crypto Support | BTC, ETH, ADA, MATIC |
| Integration | Unified crypto and fiat banking platform |
| Regulatory Guarantees | €100,000 (fiat), €20,000 (securities) coverage |
| Extra Services | BTC-backed loans, beneficiary planning |
8.Swissquote Bank Europe S.A. (Luxembourg)
Swissquote Bank Europe S.A., located in Luxembourg, is now seen as one of Europes leading crypto custody banks. It was the very first bank in the Grand Duchy to earn Virtual Asset Service Provider (VASP) status and still holds the unique title of CSSF-approved investment-fund depositary for digital assets.
Named Best Bank for Digital Assets Europe and Best Custody Solutions Provider in 2024 , the bank delivers all-in-one custody through its SQX crypto exchange, along with choices for segregated wallets, cold storage, and insurance.
By pairing multi-asset brokerage, top-tier depositary services, and oversight from both the CSSF and the European Central Bank, Swissquote blends strict regulation with cutting-edge digital asset technology.
| Feature | Details |
|---|---|
| Location | Luxembourg |
| Licensing | VASP by CSSF |
| Crypto Platform | SQX (Swissquote Exchange) |
| Custody Setup | Cold wallets, segregated storage, insurance |
| Awards | Best Bank for Digital Assets Europe 2024 |
| Institutional Services | Yes, including fund depositary for tokenized assets |
| Regulation | Under CSSF and ECB supervision |
9.Banco L.J. Carregosa, SA (Portugal)
Banco L. J. Carregosa, S.A. is an old yet forward-looking Portuguese private bank-started back in 1833-that now sits among Europes rising names for crypto custody .
Via the Crypto FX option on GoBulling clients can swap Bitcoin, Ethereum and Litecoin straight for big fiat currencies and never touch a private wallet, all under an ironclad, regulated, segregated vault.
The bank keeps these digital coins next to regular stocks and bonds, securing them in a watched, high-security setting and pairing every account with real, reachable client service.
Almost two hundred years of banking know-how mixed with a prize-winning boutique style lets Banco Carregosa give private-banking trust alongside easy, rule-compliant crypto access, making it a solid custody pick for Europe.
| Feature | Details |
|---|---|
| Location | Portugal |
| Crypto Access | Via GoBulling platform |
| Supported Coins | BTC, ETH, LTC |
| Wallet Requirement | No private wallet needed |
| Custody | Segregated, bank-grade crypto custody |
| Client Base | Private banking clients |
| Legacy | Established in 1833, trusted boutique bank |
10.BISON BANK, SA (Portugal)
BISON BANK, SA, based in Portugal, is quickly becoming one of Europes top crypto-custody banks through its fully regulated Bison Digital Assets unit.
Authorized by Banco de Portugal as the first VASP owned by a Portuguese bank, it provides institutional-grade custody and trading for major cryptocurrencies like Bitcoin and Ethereum.
Thanks to partnerships with Sygnum and Fireblocks MPC wallet tech, the bank delivers secure, isolated cold storage, deep liquidity, and clear pricing- every asset backed 1:1 with no sneaky fees.
With fast settlements in several fiat currencies and strong client interest, BISON BANK links classic wealth management to next-generation digital-asset services.
| Feature | Details |
|---|---|
| Location | Portugal |
| Crypto Subsidiary | Bison Digital Assets |
| Regulation | Licensed by Banco de Portugal as a VASP |
| Custody Security | Cold storage, Fireblocks MPC tech |
| Custody Model | 1:1 backed assets, no rehypothecation |
| Liquidity Access | Deep institutional liquidity |
| Strategic Partners | Sygnum, Fireblocks |
Conclusion
To sum it up, Europes top crypto-custody banks fuse old-world trust with modern digital-security tools. Firms such as Swissquote, Xapo, and Hauck Aufhäuser Lampe stand out by offering regulated, institution-level services.
Supported by strict compliance, cold-storage tech, and smooth system links, they deliver clear, secure, and forward-thinking crypto solutions for individuals, companies, and big investors all over Europe.
FAQ
What is a crypto custody bank?
A crypto custody bank securely stores and manages digital assets like Bitcoin and Ethereum on behalf of clients. These services often include cold storage, insurance, and regulatory compliance.
Why choose a bank for crypto custody instead of a crypto exchange?
Banks offer greater regulatory protection, insured deposits, secure storage, and better integration with fiat services, making them safer for long-term and institutional holdings.
Are these custody services regulated?
Yes. These banks are regulated under national and EU frameworks (such as MiCA and local VASP licensing), ensuring compliance with AML and investor protection laws.
