This article will focus on the Best Banks Providing Native Crypto Staking Accounts. While the digital asset industry is still in its infancy, the first cross-regional digital banking solutions with embedded crypto asset staking have just been released.
These banks utilize digital banking, blockchain technology, and the traditional banking system’s trust to allow both retail and institutional customers to earn rewards on their crypto holdings without having to take custody of the underlying assets.
What Are Native Crypto Staking Accounts?
Native crypto staking accounts are financial accounts that enable users to stake their crypto currencies with a regulatory entity for the first time. This means that customers can earn interest on their crypto via staking without having to go the route of a crypto wallet or decentralized staking. This service is fully regulated and customers can rest assured that their assets are protected.
These accounts are equipped with institutional-grade security and insurance, as well as the satisfaction of knowing that their funds are protected from the self-custody vs. third-party service dilemma. Customers also have the ability to stake crypto currencies, such as Ethereum, Bitcoin, and stablecoins, and, the customer’s portal is equipped with a graphical representation of the customer’s staking awards.
The primary benefit of native crypto accounts is the combination of peace of mind that comes with traditional banking versus the complex nature of decentralized services. This accounts are well suited to both the retail and institutional investor segments.
Native crypto accounts seamlessly integrate stake and earn services into banking, and because of these qualities they enable investors to bridge TF and blockchain.
Key Benefits of Using Banks for Crypto Staking
Legality – Because banks are under tight regulations due to the nature of their business they are legally allowed to offer crypto staking.
Security – Your assets have protection against hacks or losses due to insurance and the banks’ use of multi-signature wallets and institutional-grade custody.
Simplification – There is no need for technical skills to stake and monitor your investments as the banks offer simplified dashboards to do this.
Consolidated Offering – You can do crypto staking alongside other banking services, enabling easy management of your holdings.
Visibility – You can see your staking rewards any fees and how they are performing.
User-Friendly – You do not have to deal with the difficulties that come with managing private keys or using DeFi services.
Reliability – Banks are trusted establishments and so offer a sense of reliability to retail and institutional investors.
Liquidity – You can earn staking rewards on your crypto and still keep your assets liquid.
Key Point & Best Banks Offering Native Crypto Staking Accounts
- Sygnum Bank – Offers native crypto staking and regulated digital asset services.
- SEBA Bank – Provides secure crypto accounts with integrated staking options.
- Bank Frick – Enables crypto holders to stake directly through its banking platform.
- Revolut Business – Allows businesses to stake select cryptocurrencies within their account.
- Anchorage Digital Bank – Institutional-grade crypto banking with staking and custody solutions.
- Bakkt Institutional – Supports crypto staking for institutional clients with high security.
- Zodia Custody (Standard Chartered) – Offers crypto custody and staking services for institutions.
- Deltec Bank – Provides crypto staking accounts alongside traditional banking services.
- DBS Bank Digital Exchange – Allows crypto trading and staking through its digital exchange platform.
- Monzo Bank (Crypto Beta) – Testing crypto staking options for retail users within its beta program.
Best Banks Offering Native Crypto Staking Accounts
1. Sygnum Bank
Sygnum Bank is the first banking institution with banking licenses in Switzerland and the European Union. As a fully regulated institution, Sygnum allows users to earn crypto rewards via native staking directly on its platform.
The bank combines top security, institutional-grade custodians, and proprietary staking technology. Sygnum is fully compliant with the Amazon Web Services (AWS). Users can take advantage of a fully integrated staking platform to streamline the management, governance, and reward tracking, and staking participation of supported digital assets.
Sygnum Bank Features
- Enhanced due diligence, with compliance as an emphasis. Bank with payment services.
- Staking with ETH and stablecoins, as well as crypto staking.
- Custody services are at the institutional level with multi-layered protection.
- Analytics support for portfolio management and reward distribution.
- Support at the crypto investment level and for governance engagement.
Sygnum Bank Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Regulated Swiss digital bank offering high compliance | May have higher fees compared with non‑bank staking platforms |
| Native crypto staking with clear reward tracking | Limited selection of supported tokens vs some exchanges |
| Institutional‑grade security and custody | Primarily focused on institutional & high‑net‑worth clients |
| Strong regulatory oversight and asset protection | Onboarding and KYC can be intensive |
| Integrated services (staking, custody, portfolio) | Not available in all countries |
2. SEBA Bank
Similar to Sygnum, SEBA Bank is a fully regulated Swiss bank providing secure banking and investing solutions for crypto, including native staking accounts. SEBA Bank allows customers to earn yield directly in their bank accounts, staking cryptocurrencies (Bitcoin, Ethereum, and various stablecoins) and receiving daily interest.
As one of the Best Banks Offering Native Crypto Staking Accounts, SEBA Bank combines legacy banking with banking-grade crypto technology providing regulation, insurance, and institutional-level security. SEBA Bank’s digital platform enables customers to easily monitor, deposit, and stake their crypto assets, providing an outstanding offering for retail and institutional investors.
SEBA Bank Features
- Integrated services for banks and cryptocurrencies, with regulation from Switzerland.
- Staking under highly protected conditions for cryptocurrencies.
- With compliance to the due diligence framework, there is insurance and protection.
- Available from the perspective of cost and transparency for the report.
- Support tailored for clientele of great economic power and for institutional investors.
SEBA Bank Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Swiss‑based bank with deep crypto expertise | Higher minimums may apply for some services |
| Secure native staking with insurance coverage | Limited retail focus for casual users |
| Transparent reporting and compliance | Smaller range of tokens than some centralized exchanges |
| Ideal for institutional clients | Accounts may require deeper documentation |
| Full custody and asset protection | Not widely accessible globally |
3. Bank Frick
Based in Liechtenstein, Bank Frick is one of the first banks to combine traditional banking and crypto services. Their clients can open fully regulated crypto accounts, even crypto staking accounts, and can earn passive income by staking their crypto. The Bank Frick platform is equipped with a range of security measures, such as cold storage and multi-signature wallets.
Known for Best Banks Offering Native Crypto Staking Accounts, the bank is also recognized for offering customized blockchain sponsorship and staking consulting services. Bank Frick is fully crypto compliant and offers a banking platform for easy and confident crypto staking to both private and institutional clients.
Bank Frick Features
- Support for crypto staking and banking, with a friendly approach to blockchains.
- Staking from bank accounts, with Native direct services.
- With cold storage, a system of custody is applied along with advanced protection.
- Support for participation in blockchain projects.
- For the investor, there is personal consulting.
Bank Frick Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Crypto staking directly from bank account | Less mainstream recognition than major banks |
| Robust custody with cold storage | Token support can be more selective |
| Personalized support & blockchain project access | Not widely available in all regions |
| Full regulatory compliance | Services tailored more to experienced investors |
| Clear reporting of rewards | Higher entry requirements for some products |
4. Revolut Business
Since the launch of crypto staking, Revolut Business users have been able to stake crypto directly from their business accounts. This allows users to manage the business’s finances in one place and earn crypto in the form of digital asset rewards. Best Banks Offering Native Crypto Staking Accounts, Revolut simplifies the staking experience by providing dashboards for easy visualization of reward, deposit, and withdrawal activities.
The platform is regulated, and reporting is instantaneous and updated in real-time, which relieves businesses of the added burden of reporting when integrating crypto into their treasury management. The flexibility for corporates to earn passive income by staking cryptocurrencies is provided by the range of stakable digital assets offered by Revolut Business.
Revolut Business Features
- Staking is crypto and is found in the business accounts.
- With a friendly approach, people can manage their rewards and assets.
- With friendliness, a stake of situations is determined.
- Control of net-backed staking.
- Control of net-backed cryptocurrencies.
Revolut Business Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Crypto staking integrated into business finance | Limited set of supported cryptocurrencies |
| Easy tracking with intuitive dashboard | Staking rewards may be lower than specialized platforms |
| Regulated across multiple jurisdictions | Primarily for business users, not retail crypto enthusiasts |
| Simple onboarding for existing Revolut users | Not a full bank in all markets |
| Allows consolidation of business finances | May lack advanced staking controls |
5. Anchorage Digital Bank
Anchorage Digital Bank is the first federally chartered digital bank in the U.S. They have developed institutional grade crypto services for their clients. For example, Anchorage Digital Bank clients have the ability to stake digital assets, while also maintaining their funds’ safety with their hardware security modules and multi-signature.
Because of their strong compliance with security, Anchorage is used by institutional investors, large corporations, and crypto-native companies. They also offer analytics and reporting services for clients who are looking to earn yield on their crypto assets and need transparency to efficiently manage their operations. This complements institutional clients on tracking their staking rewards and reporting operational sufficiency rewards.
Anchorage Digital Bank Features
- With a charter, banks with crypto and federally based services operate in the U.S.
- For institutional investment, direct services and stake through custody.
- With advanced protection, the system of keys is managed with hardware, and there is protection for the assets under the stake.
- For non-fungible tokens and assets, insurance is provided under closure.
- For the structure and the stake, there is a system of evidence.
Anchorage Digital Bank Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| U.S.‑chartered digital bank with strong security | Not available to all individual investors |
| Institutional‑grade staking & custody | Focused mainly on institutions |
| Advanced key management & insurance | Higher cost structure for services |
| Detailed reporting and compliance tools | Limited token support compared to exchanges |
| Trusted by large enterprises | Not suited for casual retail use |
6. Bakkt Institutional
Bakkt Institutional is a place for investors who want to stake their crypto in a safe space and also manage their digital assets. Bakkt merged custody, yield, and regulation into 1 ecosystem for an all in 1 solution.
This also serves crypto staking for investors that have insurance and a risk management infrastructure. The reporting services and rewards offers a seamless staking experience whilst the automated rewards distribution offers a reliable system. This is made for hedge funds, family offices, and professional traders.
Bakkt Institutional Features
- With institutional investment, there are direct services, and stake and yield through crypto.
- With cohesion and directed control, a stake is retained.
- Reward automation and reporting simplified.
- World-class security and insurance for custody.
Bakkt Institutional Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Built for institutional investors | Not designed for retail clients |
| Native staking with risk management | Smaller token ecosystem |
| Compliance & transparent reporting | Higher service fees |
| Professional custody with strong security | Limited availability outside institutional markets |
| Automates reward distribution | Less flexibility than decentralized staking |
7. Zodia Custody (Standard Chartered)
Zodia Custody is a partnership with Standard Chartered, offering Zodia Custody clients institutional-grade Staking and Custody solutions. Clients get to Stake certain digital currencies and retain full custody and compliance sophistications from one of the premier banking networks. Zodia Custody Clients get Staking rewards,
Zodia provides easy (and) transparent access to Staking rewards, flexible control over Staking rewards, and the ability to interconnect their Staking accounts with their professional corporate accounts. Zodia Custody is highly suitable for large asset holders – its sophisticated insurance, security, and operational frameworks meet the highest standards. Streamlining Standard Chartered’s trust in legacy banking and the world’s most modern crypto technologies, Zodia supplies institutions with the ability to vault, stake, and hold oversight and control of digital assets.
Zodia Custody (Standard Chartered) Features
- Native staking and institutional custody.
- Supports custody via global bank Standard Chartered.
- Control over rewards tracking and asset transparency.
- Robust security and insurance layers.
- Custom-built for institutional and enterprise clients.
Zodia Custody (Standard Chartered) Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Backed by major global bank (Standard Chartered) | Mainly institutional focus |
| Native staking with regulated custody | Limited access for individual retail users |
| Transparent reward tracking | Token support can be selective |
| Multi‑layer security and insurance | Higher onboarding requirements |
| Integrates with enterprise workflows | Not widely marketed for general users |
8. Deltec Bank
Deltec Bank, headquartered in the Bahamas, provides innovative banking solutions for the crypto sector, including native Staking accounts for some digital currencies. Clients receive the benefits of banking services and get to earn passive income on their assets. Deltec provides Staking accounts. Deltec prioritizes Security, Compliance, and a Personal Touch for both Private and Corporate Clients.
Deltec’s unique crypto platform makes Tracking Staking rewards and Staking holdings transparent and easy. Leveraging the expertise in Caribbean banking with the latest in digital asset services, Deltec Bank enhances the accessibility and reliability of Staking for crypto investors to regulated and fully compliant solutions.
Deltec Bank Features
- Banking and staking crypto services in the Bahamas.
- Private and institutional clients with tailored offerings.
- Adherence to global standards with banking regulators.
- Basic tools for tracking rewards and managing assets.
- Full-service banking with crypto services.
Deltec Bank Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Combines traditional banking and crypto staking | Smaller range of supported cryptos |
| Personalized service for clients | Less known than large global banks |
| Regulated and compliant | Not widely available outside Bahamas |
| Simple tracking of staking rewards | Requires bank account for access |
| Good for individuals & institutions | Service costs can be higher |
9. DBS Bank Digital Exchange
As Singapore’s first digital platform where users can buy, sell, and trade crypto with a DBS Bank account, DBS Bank Digital Exchange (DBS Digital Exchange) offers innovative services, including the first banking application with crypto staking services. Customers have the ability to stake, earn rewards, and withdraw funds from their overseas DBS bank accounts.
DBS Digital Exchange provides users with a secure, regulation-compliant, and customer-friendly crypto platform to buy, sell, and trade crypto. Completing the banking experience, investors are provided with guides and analytical tools to assist them in maximally staking. Digital Banking Exchange and DBS Bank provide users with confidence and simplicity in earning digital money from cryptocurrency, driving the bank’s digital services forward.
DBS Bank Digital Exchange Features
- Digital asset exchange in Singapore with staking.
- Licensed under MAS (Monetary Authority of Singapore).
- Availability of BTC, ETH, and other selected tokens.
- Simplified experience for retail and corporate users.
- Analytics, custody, and security in real-time by DBS.
DBS Bank Digital Exchange Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Regulated by MAS (Singapore) | Limited to supported token list |
| Native staking built into digital exchange | Not available in all global markets |
| Strong security & mainstream banking trust | May require existing DBS relationship |
| Retail and corporate options | Fees may be higher than decentralized platforms |
| Easy dashboard and analytics | Less flexible than non‑custodial solutions |
10. Monzo Bank (Crypto Beta)
As digital banks began offering crypto services, Monzo Bank, under its crypto beta program, is offering native staking for a limited number of cryptocurrencies. Customers are able to earn passive income by staking their assets, and the funds remain in a secure banking environment. When Best Banks Offering Native Crypto Staking Accounts, Monzo Digital Bank allows for the merging of easy banking with the crypto experience.
As this is the first of its kind in the UK, the beta program provides frictionless staking, user-friendly interfaces, and easy tracking of completed tasks. Although Monzo is still in the testing phase, its early adoption approach demonstrates the increasing demand for secure passive income opportunities in banking.
Monzo Bank (Crypto Beta) Features
- Crypto staking in the Beta version of a retail bank.
- Mechanism for users to interact with the service.
- Easy tracking of rewards for staked assets.
- UK banking regulations compliance.
- Aimed at novices in crypto staking.
Monzo Bank (Crypto Beta) Benefits & Drawbacks
| Benefits | Drawbacks |
|---|---|
| Easy and intuitive for retail users | Still in beta – features can change |
| Regulated UK bank environment | Limited token and staking options |
| Simple mobile interface | Rewards may be modest |
| Access for everyday banking customers | Not a full crypto exchange |
| Helps onboard beginners to staking | Beta access only for select users |
Conclusion
The crypto ecosystem is rapidly evolving. More banks are offering a blend of traditional finance and digital assets opportunities with crypto staking and institutional offerings. Regulated offerings are provided by banks like Sygnum, SEBA and Bank Frick. Innovative offerings are made by banks like Revolut Business, Monzo (Crypto Beta), and DBS Bank Digital Exchange.
Best Banks Offering Native Crypto Staking Accounts combine safety and compliance with user friendliness, allowing customers to earn passive income on their crypto holdings. Staking crypto at banks is a reliable and secure way to offer this service to their clients.
FAQ
What are native crypto staking accounts?
Native crypto staking accounts allow users to stake their cryptocurrencies directly through a bank or regulated financial platform, earning rewards while keeping assets secure.
Which banks offer crypto staking services?
Top banks include Sygnum Bank, SEBA Bank, Bank Frick, Revolut Business, Anchorage Digital Bank, Bakkt Institutional, Zodia Custody (Standard Chartered), Deltec Bank, DBS Bank Digital Exchange, and Monzo (Crypto Beta).
Is staking crypto through banks safe?
Yes, regulated banks offering native staking accounts provide institutional-grade security, insurance, and compliance with financial laws, reducing the risk compared to unregulated platforms.
Can retail users stake crypto or is it only for institutions?
Many banks, such as Revolut Business, Monzo, and DBS Digital Exchange, provide staking options for retail users, while others like Anchorage and Zodia Custody cater more to institutional clients.
