Crypto Offerings Begin Shaping Bank Choice in Europe, but Regulation Still Holds Back Adoption

Crypto services are beginning to influence European banking relationships, with Boerse Stuttgart Digital survey data showing 35% of investors would consider switching banks for better digital-asset access.

The survey covered about 6,000 retail investors across Germany, Italy, Spain and France, and found that roughly 25% of respondents already hold some form of cryptocurrency. In contrast, 36% said they are likely to invest in crypto again within the next five years.

Nearly one in five respondents said they expect their main bank to offer crypto access within the next three years, putting pressure on lenders that have treated digital assets as a peripheral product.

However, the same survey also showed that about 76% of respondents said crypto assets are insufficiently regulated, while more than 60% said they feel poorly informed about digital assets.

Related: Bitcoin Pullback Sparks $260M Liquidations as Geopolitical Tensions Rattle Markets

Bank Loyalty Shifts

Surprisingly, Spain showed the highest reported ownership rate at nearly 28%, followed by Germany at 25%, Italy at 24% and France at 23%.

Boerse Stuttgart Group CEO Matthias Voelkel said trust and clear regulation are essential for the next phase of crypto adoption in Europe. 

Trust and clear regulation are essential for the next phase of crypto adoption in Europe. With MiCAR bringing transparency and legal certainty, investors gain the clarity they expect. As the first EU‑wide MiCAR‑licensed crypto service provider in Germany, Boerse Stuttgart Digital strengthens a trusted digital‑asset ecosystem with a fully regulated gateway to crypto markets.

Dr. Matthias Voelkel, Boerse Stuttgart Group CEO

The firm’s digital-asset arm has a direct stake in that transition after its custody subsidiary announced an EU-wide MiCA licence in January 2025.

MiCA became fully applicable to crypto asset service providers on Dec. 30, 2024, giving the European Union a bloc-wide framework for licensing, custody, governance and consumer protection. 

Nearly half of surveyed investors said MiCA made crypto assets feel safer and more attractive.

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