Bank Requests Proof of Funds
for Your Crypto Assets?
Your bank is asking for proof of the origin of your crypto assets? This is happening more and more frequently. Here you will learn step by step how to respond correctly and which documents you need.
30 min · Free · No commitment
Robert & Johannes · personally review your data
What the Request Means for You
The bank is not asking out of distrust, it is legally required to. Three things matter for you: what the bank wants to see, how much time you have, and what happens if you do not deliver. The regulatory background is covered in the guide to proof of funds.
Origin and History
The bank wants to see where your coins came from and how they moved until the money reached your account. A tax report does not show this. What is needed is the complete transaction history.
The Deadline in the Letter
The letter states a deadline. Read it first and plan backwards. If the time is not enough for a tangled portfolio, request an extension early instead of submitting something incomplete.
What Else Is at Stake
Without complete proof, the bank can restrict your account: block transfers, delay withdrawals, or end the business relationship. A clean response clears that up.
How to Respond to a Bank Request
The right response to a bank letter determines whether your account gets unblocked. These steps are crucial:
Review the letter
What exactly is being requested? What is the deadline?
Gather documents
Exchange exports, wallet addresses, transaction history
Prepare documentation
Chronological, complete, understandable for bank staff
Submit on time
Respond completely, request a deadline extension if needed
Step 3 is the decisive one: a complete trail that bank staff without crypto knowledge can read. This is exactly where TX-Partner steps in when your portfolio spans multiple exchanges, chains, or DeFi protocols.
One Proof, Two Sides
The bank wants to see the origin and the history of the funds. That splits into two parts you should keep cleanly apart.
The Crypto Data Trail
Where your coins came from and how they moved: wallet mapping, the complete transaction history across all exchanges and chains, on-chain verification by transaction hash, prepared in a bank-ready format. This is the work a raw tool export fails at.
The Origin of the Money
Where the capital for the purchases came from (salary, a sale, an inheritance, a gift) is something you prove through your own records and your bank. This side is not a crypto question and sits with you.
These Mistakes Most People Make with Bank Requests
Only sending the tax report
Banks don't want a tax summary. They want the transaction history. A tax report answers the wrong question.
Responding too late
Letting the deadline pass signals to the bank that something is wrong. It is better to request a deadline extension than not to respond at all.
Incomplete documentation
Missing wallets or time periods lead to follow-up questions. Every gap raises red flags.
Responding without professional help
For complex DeFi portfolios or multiple chains, professional documentation is often the faster and safer route.
What TX-Partner Specifically Delivers
TX-Partner reconstructs and documents the full path of your crypto assets and delivers exactly the data foundation your proof of funds for the bank is built on. A tax report answers a different question and is not enough for the bank on its own.
Wallet Discovery
Identify all wallet addresses and trace the transaction flow between wallets, exchanges, and DeFi protocols.
Transaction History
Complete, chronological documentation of all crypto transactions with timestamps, amounts, and fiat equivalents.
Bank-Ready Documentation
The prepared documentation is structured so that bank employees without crypto knowledge can review the proof of funds.
Bank Request professionally answer.
30 minutes that make the difference.
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Note: TX-Partner does not issue a proof of funds in the legal sense of the Austrian FM-GwG (Financial Markets Anti-Money Laundering Act) or comparable regulations. TX-Partner provides the complete crypto accounting (transaction history, wallet mapping, on-chain verification) that serves as the data foundation for such proof. Review and acceptance is at the discretion of the respective financial institution.