Bitcoin banking · Topic guide

A bank account that buys Bitcoin.

Last updated: April 23, 2026

Kronos is the closest thing to a "Bitcoin bank account": a real US bank account (FDIC-insured, routing + account numbers) where you can also buy BTC, ETH, SOL, and 30+ other coins in the same app at zero platform fees on Pro.

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What makes Kronos the answer

Real US bank account

Routing + account number issued at signup via Bridge.xyz. Accept ACH direct deposit from any US employer or gig platform.

Bitcoin at zero platform fee

Kronos Pro trades BTC with $0 platform fee, $0 spread markup, $0 network fee. Coinbase retail is 1.49%. Cash App ~1–2%.

FDIC-insured USD

Cash balances FDIC-insured through Bridge's partner banks. Crypto is separately custodied by partner (regulated NYDFS trust).

Withdraw to your wallet

Self-custody your Bitcoin any time. Kronos non-custodial support is on the roadmap.

Deeper reading

Crypto-friendly bank for gig workers Best neobank for crypto in 2026 Crypto for beginners Zero-fee crypto trading math

FAQ

Is there a bank that lets you buy Bitcoin?
Yes. Kronos is a full US bank account (ACH routing, debit card, FDIC-insured deposits) that also lets you buy Bitcoin — and 30+ other coins — at zero platform fee on Pro.
Is Bitcoin in a bank account FDIC insured?
No. Bitcoin is never FDIC-insured — FDIC insurance applies to bank deposits, not cryptocurrencies. Cash balances in Kronos are FDIC-insured via partner banks; Bitcoin in Kronos is custodied by partner, a regulated NYDFS trust company.
What is the cheapest way to buy Bitcoin?
Kronos Pro charges zero platform fee on Bitcoin buys. Coinbase retail charges 1.49%, Cash App ~1–2% spread, SoFi 1.25% spread.

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