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Coinbase is expanding its footprint in the United Kingdom with the launch of a regulated savings account that blends traditional finance with crypto innovation. Starting November 11, eligible UK customers will be able to open Coinbase Savings Accounts earning 3.75% AER variable interest, paid daily — a move that places the exchange among the first crypto-native firms to offer a government-backed savings product in the country.
🔒 Safe, Flexible, and Fully Protected
The new account — powered by ClearBank — enables users to deposit and withdraw funds instantly, with no minimum balance or lock-in period. Importantly, customers’ GBP deposits will be protected under the Financial Services Compensation Scheme (FSCS), ensuring coverage of up to £85,000 ($112,000) in the event of provider insolvency. This provides the same level of security as traditional UK bank deposits.
“The launch of the Coinbase Savings Account underscores our commitment to giving British users access to the most competitive financial services within a trusted exchange ecosystem,” said Keith Grose, CEO of Coinbase UK. “We’re focused on building locally relevant products that make managing digital and traditional assets seamless.”
💳 Bridging the Gap Between Crypto and Banking
Coinbase’s latest rollout continues its push to merge crypto utility with everyday finance. With the Coinbase Card already allowing users to spend from crypto, stablecoin, or fiat balances, and now a savings product offering competitive returns, the company is positioning itself as a comprehensive financial platform.
At 3.75% AER, Coinbase’s offering exceeds most major UK bank savings rates while staying slightly below the top fintech challengers. Still, its unique crypto integration and FSCS protection could make it an attractive option for both retail and tech-savvy investors.
“UK consumers haven’t had a single platform combining the best of crypto and traditional finance — until now,” said Mitesh Savjani, Coinbase UK’s Head of Product and Growth. “Our goal is to modernize how people save, spend, and invest across digital and fiat ecosystems.”
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🌍 The UK: A Key Market in Coinbase’s Global Strategy
Coinbase identifies the UK as its largest international market, central to its global expansion strategy. Earlier this year, the exchange received Virtual Asset Service Provider (VASP) registration from the Financial Conduct Authority (FCA), solidifying its regulatory standing.
The new savings account launch follows a year of both growth and scrutiny. Coinbase UK was fined £4.5 million by the FCA in 2024 for compliance lapses related to high-risk customers, while Coinbase Europe faced a $24.7 million fine from the Central Bank of Ireland for shortcomings in anti-money laundering and transaction monitoring between 2021 and 2025.
Despite these challenges, Coinbase continues to emphasize transparency, compliance, and consumer trust as pillars of its strategy in Europe.
🚀 What’s Next
Access to the Coinbase Savings Account will expand gradually to all UK users in the coming weeks. By merging regulated banking safeguards with crypto-powered flexibility, Coinbase aims to become the UK’s leading hybrid financial platform — one that bridges the gap between traditional savings and digital assets.
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