英国银行仍普遍限制比特币交易，政策组织提交议会证据
UK Banks Still Blocking Bitcoin, Policy Group Tells Parliament
Bitcoin Magazine
比特币杂志
UK Banks Still Blocking Bitcoin, Policy Group Tells Parliament
英国银行仍封锁比特币，政策组织向议会陈述
Bitcoin Policy UK has slammed British banks for applying blanket restrictions to lawful bitcoin activity.
比特币政策英国组织严厉批评英国银行对合法比特币活动实施全面限制。
The organization said in an announcement Friday that it had submitted evidence to the Crypto and Digital Assets APPG’s parliamentary inquiry into banking access, revealing that no improvements had been made over the past three years in how banks treat bitcoin activity.
该组织在周五的一份公告中表示，已向加密货币和数字资产全党派议会小组关于银行准入的议会调查提交了证据，显示过去三年中银行对待比特币活动的方式没有任何改善。
The issue: UK policy treats “crypto” as one thing, so bitcoin is caught by rules written for unbacked tokens and issuer-dependent stablecoins.
问题在于：英国政策将“加密货币”视为单一事物，因此比特币受到为无担保代币和依赖发行方的稳定币制定的规则的约束。
The British government has said since 2023 that banks should assess case by case rather than restrict by sector. The group says practice has not followed, and that the gap is widening as the UK moves toward full implementation of its cryptoasset regime in 2027.
英国政府自2023年以来一直表示，银行应逐案评估，而非按行业限制。该组织表示，实践并未遵循这一原则，随着英国在2027年全面实施其加密资产制度，差距正在扩大。
Almost three years after we first raised blanket banking restrictions with the City Minister, our evidence to the Crypto and Digital Assets APPG inquiry shows the problem hasn’t improved. Roughly 40% of bank-to-exchange transfers in the UK are currently blocked or delayed.
自我们首次向城市部长提出全面银行限制问题以来，近三年过去了，我们向加密货币和数字资产全党派议会小组调查提交的证据显示，问题并未改善。目前，英国约40%的银行到交易所转账被阻止或延迟。
We’re…
我们正在……
— Bitcoin Policy UK (@bitcoinpolicyuk) August 23, 2026
—— 比特币政策英国组织 (@bitcoinpolicyuk) 2026年8月23日
Bitcoin Policy UK called on British banks to give reasons for rejecting bitcoin-related activity.
比特币政策英国组织呼吁英国银行对拒绝与比特币相关的活动给出理由。
“Almost three years after we first raised blanket banking restrictions with the City Minister, our evidence to the Crypto and Digital Assets APPG inquiry shows the problem hasn’t improved,” Bitcoin Policy UK said in a Sunday post on X.
“自我们首次向城市部长提出全面银行限制问题以来，近三年过去了，我们向加密货币和数字资产全党派议会小组调查提交的证据显示，问题并未改善，”比特币政策英国组织在周日发布于X的一篇帖子中表示。
“Roughly 40% of bank-to-exchange transfers in the UK are currently blocked or delayed.”
“目前，英国约40%的银行到交易所转账被阻止或延迟。”
The organization filed evidence with the Crypto and Digital Assets All-Party Parliamentary Group’s inquiry into banking access.
该组织向加密货币和数字资产全党派议会小组关于银行准入的调查提交了证据。
A joint survey by Startup Coalition, the UK Cryptoasset Business Council and Global Digital Finance, published in January 2025, found that half of the UK fintech and crypto firms it canvassed had been refused a bank account or had one closed, and that only 14% had opened and kept an account with one of the country’s nine largest banks. Most were UK-based operations rather than firms with no domestic presence.
由创业联盟、英国加密资产业务委员会和全球数字金融联合进行的一项调查于2025年1月发布，发现其调查的英国金融科技和加密公司中，有一半曾被拒绝开设银行账户或账户被关闭，且只有14%在英国九大银行之一开设并保持了账户。大多数是英国本土运营的公司，而非没有国内存在的公司。
Virgin Money, Metro Bank, Starling Bank, TSB and Chase UK block transfers and card payments outright, while Barclays and HSBC cap transfers at £2,500 ($3,400) per transaction, Bitcoin Policy UK said.
比特币政策英国组织表示，Virgin Money、Metro Bank、Starling Bank、TSB和Chase UK完全阻止转账和卡支付，而巴克莱银行和汇丰银行将每笔交易的上限设定为2,500英镑（3,400美元）。
It added that 80% of the exchanges said restrictions had increased over the previous year. None reported an improvement. An IG Group survey from August 2025 found 40% of active crypto investors had a payment blocked or delayed by their own bank.
它补充说，80%的交易所表示限制措施比上一年有所增加。没有一家报告有所改善。IG Group在2025年8月的一项调查发现，40%的活跃加密货币投资者曾遭遇自己银行阻止或延迟付款的情况。
The submission makes four requests: a regulatory statement that bitcoin activity through an FCA-registered exchange should not face blanket restriction; a duty on banks to give specific reasons and an appeals route; confirmation that FCA registration can serve as a risk basis, as in Hong Kong; and a published periodic measure of restriction levels.
该提交文件提出四项要求：一份监管声明，表明通过FCA注册交易所进行的比特币活动不应面临全面限制；银行有义务给出具体理由并提供申诉途径；确认FCA注册可作为风险依据，如同香港的做法；以及定期公布限制水平的衡量标准。
In December, City Minister Lucy Rigby said that Britain can “without a doubt” compete with the United States and become an international hub for cryptoassets.
去年12月，城市部长露西·里格比表示，英国“毫无疑问”能够与美国竞争，成为加密资产的国际中心。
This post UK Banks Still Blocking Bitcoin, Policy Group Tells Parliament first appeared on Bitcoin Magazine and is written by Mathew Di Salvo.
这篇题为“英国银行仍阻止比特币，政策小组告知议会”的文章首发于《比特币杂志》，作者为马修·迪萨尔沃。
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