According to a new study by Boerse Stuttgart Digital, a significant proportion of European investors are considering changing banks in order to access better cryptocurrency services, marking a shift in the role of digital assets in retail finance across the region. The study, which gathered responses from 6,000 individuals in Germany, Italy, Spain, and France between August 2025 and January 2026, found that 35% of respondents would consider switching banks if another institution offered more robust cryptocurrency investment options. This figure rises to 40% in Spain, followed by Italy at 35%, France at 33%, and Germany at 29%.
Despite the complexity and perceived risk of cryptocurrency, with over 60% of respondents feeling poorly informed and 69% describing it as too complex, and 76% viewing it as insufficiently regulated, investors are more than twice as likely to trust their primary bank for cryptocurrency services than specialized platforms. The study suggests that banks have an opportunity to capitalize on this trust, with nearly one in five respondents expecting their bank to offer cryptocurrency access within the next three years, indicating a shift towards digital assets becoming a standard feature in retail finance.
Regulatory frameworks, such as the European Union's Markets in Crypto-Assets (MiCA), are likely to play a key role in shaping the cryptocurrency landscape, with nearly half of respondents stating that EU rules increase their trust in digital assets.