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Crypto
at the bank

What Americans want from banks, credit unions and advisors on crypto.

There are about 265 million adults in the U.S. Every dot on this page is one million of them. We asked a representative 2,017 what they want from the institutions that hold their money.

Scroll to see what they said
The customer opportunity

112 million

would be more likely to open an account with a bank that offers crypto, or use it for more of their financial needs.

That’s 42% of U.S. adults.

Trust and comfort

156 million

would be comfortable with their bank holding their crypto for them.

59% of adults: 30% very comfortable, 29% somewhat.

The missing conversation

168 million

say no one at their bank, credit union or advisor’s office has ever brought up crypto with them.

That’s 64% of U.S. adults.

Looking ahead

60%

expect most U.S. banks to offer crypto within ten years. Among 18 to 34 year olds, it’s 74%.

The demand is there. The conversation isn’t yet.

Here’s what Americans told us, chapter by chapter.

01The customer opportunity

Crypto access can influence where Americans bank.

Crypto could help financial institutions attract and deepen customer relationships. Americans who say they would be more likely to open an account with a bank that offers crypto outnumber those who say they’d be less likely by roughly two to one. The same pattern holds for using a bank for more of their financial needs.

If a bank offered crypto, how would that affect your likelihood of…

% of U.S. adults

18%
35%
Less likelyMore likely
1.9×

as many say more likely as say less likely. In total, 42% would be more likely to do one or both.

Next02 Who responds most
A woman smiling at her computer with her dog on her lap

About 112 million Americans say access to crypto would make them more likely to open an account or bank more where they already are.

02Who responds most

The pull is strongest among parents and younger adults.

Men ages 35–44 are the most likely to say crypto would make them more likely to choose a bank, at 69%. It is also notably higher among Black and Hispanic adults, both of whom report higher rates of current or past crypto ownership than White adults (53% and 48%, respectively, compared with 31%).

Pick a group

% more likely to open an account with a bank that offers crypto, or use it for more of their financial needs

42%

of all U.S. adults

Men ages 35–4469%
Parents of kids under 1862%
Ages 35–4458%
Hispanic adults57%
Black adults56%
Ages 18–3454%
All U.S. adults42%
A mother and her two daughters looking at a laptop together in their kitchen

Parents lead the way.

62% of parents with kids under 18 would be more likely to open an account or use their bank more if it offered crypto, which is nearly twice the rate of adults without kids under 18 (33%).

0%

Parents of kids under 18

0%

Adults without kids under 18

75% of parents with kids under 18 would also be comfortable with their bank holding their crypto.

Next03 Trust and comfort

03Trust and comfort

Americans see banks and advisors as credible voices on crypto, along with crypto education organizations and crypto exchanges.

Asked who has the knowledge and expertise to provide reliable information about crypto, Americans rank their financial advisor and bank highest. Social media and online communities rank lowest, and half of Americans (50%) say they have little or no confidence in them on this topic. When people have questions about crypto, they want answers from sources they know and trust.

Who Americans trust for crypto guidance

% very or somewhat confident each has the expertise to give reliable guidance on crypto

Financial advisors67%
Bank or credit union64%
Crypto education organizations63%
Crypto exchanges or platforms63%
Online brokerages58%
Financial news media55%
Friends, family or colleagues47%
Social media or online communities39%

If your primary bank held your crypto for you, how comfortable would you feel?

0%

of Americans would be very or somewhat comfortable with their bank holding their crypto for them. That’s about 156 million people.

Next04 Where people want to buy

04Where people want to buy

Crypto exchanges and apps are the top choice, and many would also buy through institutions they already use.

A crypto exchange or app is the most common single choice, at 19%. Payment apps (15%) and banks or credit unions (14%) are close behind, followed by brokerage accounts (10%). Not everyone is ready: 24% say they wouldn’t want to buy crypto anywhere, and 10% aren’t sure.

Your turn. If you were to buy crypto today, where would you most prefer to buy it?

Pick an answer to see where you stand among 2,017 Americans.

Where Americans want to buy crypto

% of U.S. adults. Question: If you were to buy crypto today, where would you most prefer to buy it?

Crypto exchange or crypto app19%
Payment app15%
Bank or credit union14%
Brokerage account10%
Retirement account4%
Crypto ATM or kiosk3%

24% wouldn’t buy crypto anywhere and 10% aren’t sure.

Design your bank

What Americans want from their bank.

Tap a service in the app to see how many Americans would like to access it through their primary bank or financial institution.

22%

of Americans would like to access crypto ETFs or funds through their bank.

17% of Americans plan to move crypto into a bank, credit union or brokerage within the next three years. Among 18 to 34 year olds, it’s 29%.

Your bank

Crypto services

Next05 The missing conversation

05The missing conversation

Customers are open to a conversation most banks haven’t started.

64% of Americans say no one at their bank, credit union or advisor’s office has ever brought up crypto with them. That’s about 168 million people. The older the customer, the quieter the bank.

92%

of Americans 65 and older say it has never come up

18–3435–4445–5455–6465+

Their bank, credit union or advisor has never raised crypto with them

% of each age group

All U.S. adults: 64%
42%18–34
54%35–44
58%45–54
79%55–64
92%65+

4to1

Among Americans whose bank or advisor has brought up crypto, about half (52%) say it was recommended to them and 12% say they were advised against it.

When the conversation happens

% of Americans whose bank or advisor has brought up crypto

Recommended it
52%
Advised against it
12%
No recommendation either way
23%
Don’t recall the details
13%

43% of Americans don’t know whether their bank offers crypto at all.

Next06 Looking ahead
A woman showing her mother something on her phone in their kitchen

Banks raise crypto far more with younger customers. Yet more people who first bought crypto in 2025 or 2026 are 55 and older (28%) than 18 to 24 (18%).

Source: NCA 2026 State of Crypto Holders Report.

06Looking ahead

Americans see crypto becoming a standard part of banking.

Expectations run highest among younger adults and fall with age. For financial institutions, customer expectations are already set.

60%

of U.S. adults expect most U.S. banks to offer crypto within ten years.

20262036

Each figure is 10% of the group.

NextIn conclusion

—In conclusion

Americans are ready for crypto at their bank.

42%

Offering crypto can help banks attract new customers and deepen existing relationships.

59%

Customers rate banks and advisors among the most credible guides on crypto, and most would be comfortable with their bank holding it.

64%

Most say their bank has never raised crypto with them, so the first step is simple: start the conversation, with clear and trusted education.

Cover of the Crypto at the Bank 2026 report

Get the full report

16 pages. Every chart, every finding, and the full methodology.

Download the PDF

Methodology. This survey was conducted online within the United States by The Harris Poll on behalf of NCA from September 15–16, 2026 among 2,017 adults ages 18 and older. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.7 percentage points using a 95% confidence level. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact media@nca.org. Population figures use the Census Bureau’s Current Population Survey count of U.S. adults (264.7 million).