Crypto’s Missing Millions: Less Than a Quarter of UK Women Investing in ‘Masculine’ Currency

WHY THIS MATTERS: The maturation of the digital asset sector hinges on breaking the “insider-only” culture that has historically alienated a significant portion of potential investors. Current data highlights a stark confidence chasm, where women represent a massive, underserved cohort eager to build wealth but deterred by exclusionary messaging and opaque interfaces. This isn’t merely a social issue—it is a critical barrier to financial inclusion. As traditional neobanks increasingly prioritize the integration of digital assets into their core platforms, they are uniquely positioned to act as the essential bridge for those intimidated by raw, unregulated exchanges. By transforming complex speculative tools into accessible, everyday financial instruments, institutions can finally unlock the next wave of mainstream adoption, proving that the future of wealth management is defined by trust and simplicity rather than technical bravado.

New research from bunq, Europe’s second-largest neobank, reveals a significant gender gap in UK crypto adoption as British women view the currency as difficult to access and not designed for them. 

bunq’s Crypto Trust Index found that one in five women (21%)  have ever invested in crypto compared to 37% of men, and nearly a quarter describe it as “masculine”. Women are almost twice as likely as men to find it inaccessible, and 35% say they would not know where to start if they wanted to learn, compared to 18% of men.

More than half of Brits believe the current economic climate makes exploring alternative investments such as crypto more important, with 70% of women and 59% of men unsure about their financial situation. Overall, 82% of UK adults are actively trying to grow their wealth, and given this appetite in investment, the report’s findings  suggest the gap in engagement is being driven more by confidence and accessibility than by a lack of interest in growing wealth. Among those who have never invested in crypto, 65% say lack of knowledge and understanding is the primary reason holding them back.

The research also highlights growing demand for more trusted and accessible routes into crypto investing. Among non-investors, 37% say clear guidance would be the single most important factor in helping them take a first step. Most are turning to trusted sources, with 43% saying they would trust their bank most to help,  more than crypto exchanges and trading platforms combined. A further 21% specifically say they want a regulated and familiar environment as their entry point.

Among existing investors, the findings suggest confidence does not always reflect understanding. Men are twice as likely as women to say they invest in crypto without fully understanding it. When seeking guidance, 11% of investors turn to social media and 12% to online forums, compared to just 7% who rely on their bank.

“For years, the crypto industry has been building for the insiders, but mainstream adoption is being driven by trust and simplicity, not complexity.”  said Joe Wilson, Chief Evangelist at bunq “Users are open to exploring new ways to put their money to work, but they want to do it in a familiar, safe, and easy-to-use environment. At bunq, we’re building that bridge and making crypto accessible for anyone ready to take their first step.”

FF NEWS TAKE: This development signals the end of the “crypto-native” silo. When users clearly prefer their bank’s interface over decentralized exchanges, the competitive advantage shifts decisively toward incumbents and established neobanks. The needle is moving from speculation toward practical utility. Moving forward, the battle will not be fought over yield, but over user experience; institutions that successfully simplify the onboarding journey for hesitant investors will dominate the market.