The study, conducted by Boerse Stuttgart Digital, reveals that a significant proportion of European investors are open to changing banks to access enhanced cryptocurrency services, signaling a significant shift in the role of digital assets in retail finance. The survey, which gathered responses from 6,000 individuals across 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 crypto investment options. This figure rises to 40% in Spain, followed by Italy at 35%, France at 33%, and Germany at 29%. Despite the growing adoption of cryptocurrency, with around 25% of respondents already invested in digital assets, many investors still express concerns about the complexity and regulatory environment of crypto.
However, the study suggests that banks can capitalize on this trend by offering trusted and regulated crypto services, as investors are more than twice as likely to trust their primary bank for crypto services than specialized platforms. The European Union's Markets in Crypto-Assets framework, which is being phased in, aims to create a more consistent market across the region by setting common rules for crypto service providers. Clearer regulation may increase trust in digital assets, with nearly half of respondents indicating that EU rules, such as the MiCA, enhance their trust in digital assets.