Juno Crypto Review

I think many people misunderstand Juno Crypto. "Bank services", "fintech app", and "crypto exchange" are all labels that define this platform, but Juno is actually a blend of all three. Later in this Juno Crypto review, I’ll clear up the confusion and walk you through how it functions as both a crypto wallet and a checking account.

But, at its core, Juno Finance (formerly known as OnJuno) positions itself as a "crypto-friendly bank". It allows US users to manage both USD and crypto in one app and even spend directly using the Juno crypto card.

It’s different compared to popular exchanges like Coinbase and Bybit, which focus heavily on trading tools, leverage, and global crypto markets. Juno, on the other hand, leans into simplicity and everyday usability for US-based users.

Verdict at a glance: Juno is appealing for its integration of crypto with banking services, potentially suitable for beginners and US traders. However, due to its partner’s bankruptcy, it recently discontinued its Treasury Account and paused the new account creation, adding a layer of "wait time" and uncertainty that potential users should consider when evaluating the platform.

Juno Crypto Review: Quick Overview

Before diving deeper into this Juno Crypto review, here’s a quick snapshot of what you need to know. While this table is a great starting point, keep in mind that some of these features may be on pause or look a little different as the team is adjusting with a new banking partner.

Table: Overview of Juno features

While Juno doesn’t support advanced trading tools or anonymity features, its strengths lie in ease of use, a free checking account, and instant crypto on-ramping to 20+ chains. Still, it’s best to weigh these benefits against your specific needs, especially if you're seeking more robust trading functionality or global accessibility.

Who’s Juno For?

Juno is best suited for everyday users who want to dip into crypto without giving up the familiarity of traditional banking. Notably, it has a simple interface on both the desktop and mobile versions, so crypto newcomers are less likely to be overwhelmed when exploring the features.

One of Juno’s signatures is its ability to automatically convert your paycheck into crypto. So, if you’re a freelancer, tech worker, or any employee who wants to diversify savings, Juno fits into your financial life without requiring you to learn trading charts or manage private keys.

Generally, Juno offers a smooth bridge between fiat and crypto, with features like insured USD accounts, automatic crypto conversions, and on-chain withdrawals.

Previously, Juno cash accounts were protected by the Federal Deposit Insurance Corporation (FDIC). This insurance provides depositor protection^[1] and helps build public trust in banking institutions, especially during times of economic uncertainty. However, it recently shifted the partnership with Juko, which provides Securities Investor Protection Corporation (SIPC) account protection.

Based on these features and considerations, I think Juno is best for:

• Professionals who want to get paid in crypto. Automatically convert part of your paycheck into crypto like BTC, ETH, or stablecoins.
• Users who want a "crypto bank" option. Get an insured checking account while easily accessing crypto via Juno Crypto Wallet. It also offers a debit card that lets you spend USD or crypto directly from your account.
• Beginners. Juno has a clean interface, and exploring the platform feels like using a digital banking app rather than a complex crypto trading layout.

While it may not cover advanced traders’ complex needs, Juno is well-suited for people new to crypto and everyday earners who value simplicity, reliability, and seamless integration with traditional banking.

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Juno Alternatives

Does Juno not quite fit your crypto needs? No worries, there are plenty more fish in the sea, as well as a vast ocean of crypto exchanges out there. Take a look at some excellent alternatives below that may suit your trading style better:

• Kraken. Kraken is one of the leading cryptocurrency exchanges in the United States. Offering affordable fees, a variety of cryptocurrencies to choose from, and additional features (i.e. crypto earning tools), it has built a reputation as a reliable platform for all of your crypto needs.
• Bybit. Check out Bybit if you want to use complex trading tools instead of the simple features Juno offers. It provides a variety of order types, including conditional orders and trailing stop orders, as well as access to margin and derivatives trading.
• Coinbase. Beginners who look for a Juno alternative can try Coinbase, as it has a simple interface and easy fiat-to-crypto conversions, too. More importantly, it’s regulated in many jurisdictions around the world, including the EU and the US. Here, you may also find JUNO crypto airdrops (which is different from the Juno exchange) and other interesting campaigns.

	KRAKEN	COINBASE	BYBIT
Overall Score	9.8	9.6	8.0
Best For	Beginners	Advanced Users & Beginners	More Advanced Users
Operating Countries	United States, Germany, United Kingdom, France, Canada, + 190 more	United States, United Kingdom, Germany, Canada, France, + 100 more	South Korea, United Kingdom, Ukraine, Turkey, +160 more
Latest Coupons	Visit Site All Kraken Coupons	GET $200 REWARD All Coinbase Coupons	See All Coupons of Best Exchanges
Verdict	One of the best crypto exchanges, especially in the US.	A well-known and one of the most reputable crypto exchanges in the US.	A popular crypto derivatives exchange with some super-low trading fees.
	Visit site Read review	Visit site Read review	See TOP10 Brands Read review

Table: Comparison of Kraken, Bybit, and Coinbase

That said, if you prefer a simple interface that prioritizes ease of use and straightforward transactions, Coinbase is an excellent choice. However, for pro traders seeking advanced tools and a wider range of options, Bybit or Kraken may be more suitable.

📚 Read More: Best Cryptocurrency Exchanges

Advantages

Juno stands out as a seamless bridge between traditional banking and modern crypto services. Below, I’ll briefly outline the key advantages and explore each of them in detail later in this article:

• Integrated banking and crypto services;
• Reliable security and compliance;
• User-friendly interface;
• Helpful customer support.

One of Juno’s notable strengths is how it blends everyday banking with crypto functionality in a single platform. You can manage both your fiat and crypto in one account, making it easy to stay on top of your finances without juggling multiple apps.

If you’re looking to receive your paycheck directly in crypto, Juno can also make that possible without needing third-party conversions. Some big companies like Microsoft and Doordash already get paid in crypto via this app. Plus, with a Juno debit card that works with Google Pay, Apple Pay, and Samsung Pay, you can spend your money anywhere, just like you would with a traditional bank card.

Additionally, these services are backed by strong security and compliance measures. Cash deposits are SIPC-protected up to $500,0000 through Juno’s partner banks, giving users peace of mind. The account is also safeguarded with mandatory two-factor authentication (2FA), adding an extra layer of protection to your funds and personal information.

Many user Juno Crypto reviews also praise the smooth and intuitive layout. Most of them highlight the app’s appealing UI and well-placed buttons and menus that make the deposit, buying, and withdrawing processes easier.

More importantly, if you ever run into issues or have questions, Juno offers responsive, real-time support through live chat. The conversation on live chat starts with a bot, and you can later choose to talk to an actual human – something users consistently praise for its helpfulness and quick resolutions.

Limitations

While Juno offers a range of advantages, it may not meet every user's expectations. Based on my exploration of the platform and user Juno Crypto reviews, here are a few important limitations to keep in mind:

• Banking service instability;
• High deposit or transfer fees;
• Limited customer support availability.

Juno worked with an agent of Evolve Bank and Trust, Synapse Financial Technologies, Inc., to provide some banking services, including the Juno Debit Card.

I saw many user Juno Crypto reviews praised this offering, but the exchange faced major disruptions because of the partnership. Its banking and card services had to be stopped due to the bankruptcy of the backend provider, Synapse, and Juno halted support from Evolve Bank & Trust.

Because of the bankruptcy of Juno Crypto's bank partner, the team also discontinued the Treasury Account service as of May 12, 2025. Now, it focuses on providing a seamless offboarding from the account and transitioning to a new partner, Jiko, and is working with regulators and a court-appointed trustee to restore services.

Another drawback about Juno is that the exchange isn’t the cheapest option available. Sending crypto can be quite expensive, especially if you're using services like Cash App.

For instance, if you instantly transfer $10 from Cash App to Juno, you may be charged around $0.99 on each side by both Cash App and Juno. That adds up to nearly 19% in fees for a small transfer, making instant funding a costly option for low amounts.

Also, keep in mind that Juno crypto customer service is available only through live chat and email during business hours. While some users find this sufficient, others have expressed frustration, particularly those who wished for phone support after receiving delayed or unresponsive replies, likely due to limited support hours.

Security

Juno prioritizes user security with multiple layers of protection across its platform. To access your account, you need to authenticate using either a username and password or biometric methods like fingerprint or facial recognition, depending on the device.

For added security, Juno requires a unique 4-digit Confirmation PIN for certain actions, such as sending funds or managing your linked devices. This PIN is created when you first pair your smartphone with your account and can be changed anytime through the app. It’s worth noting that this is different from your Card PIN, which is used at ATMs for cash withdrawals.

To prevent unauthorized access, Juno also automatically logs users out of the web app after 60 minutes of inactivity. The purpose of this measure is to reduce the risk of account takeovers, especially on shared or public devices.

In addition to its other security measures, Juno demonstrates its commitment to data protection by displaying the AICPA SOC label. This indicates that the company has undergone a System and Organization Controls (SOC) audit by an independent, certified third-party under standards set by the American Institute of Certified Public Accountants (AICPA).

The AICPA is the main professional accounting association^[2] in the United States. It’s known for setting one of the most widely followed codes of conduct in the accounting field.

While Juno itself isn't a bank, USD deposits in Juno Cash Accounts were insured by the FDIC up to $250,000 per depositor, per ownership category through their partnership with Evolve Bank & Trust. As the partnership ended, what is Juno Crypto doing now to protect user funds? Don't worry; your cash is still safeguarded as these are protected by SIPC via Jiko.

However, the platform has since clarified the specifics around its banking relationships, especially following disruptions with its backend providers. So, always review the latest terms on Juno’s official channels to understand how your funds are protected.

Localization and Regional Adaptability

Juno is available exclusively to US users and appears to align with the regulatory standards in the country. Its digital asset services are facilitated by Zero Hash, a licensed provider authorized to conduct virtual currency business in specific US jurisdictions, including New York.

Previously, Juno offered its banking services through Evolve Bank & Trust via Synapse, a financial intermediary that enabled access to FDIC-insured accounts. However, after Synapse filed for bankruptcy in 2024, Juno temporarily paused new account signups and had to restructure its backend infrastructure.

In response, Juno has started working with Jiko, a nationally chartered bank and SEC-registered broker-dealer. Unlike traditional banks, Jiko sweeps customer funds into US Treasury bills – a low-risk investment backed by the full faith and credit of the US government.

While the investments are not FDIC insured, these are protected by SIPC coverage up to $500,000 and are managed with a strong focus on transparency and regulatory compliance. This shift underscores Juno’s commitment to safeguarding user funds and maintaining operational integrity in the wake of its former partner’s collapse.

Trading Tools

Juno doesn’t target advanced or professional traders looking for complex trading tools or order types. Instead, its crypto trading interface is kept simple and beginner-friendly.

This platform focuses on offering a clean, no-frills experience for casual users. The platform provides a straightforward "Buy" and "Sell" interface, making it easy for anyone to purchase crypto without needing prior trading knowledge.

The standout feature is its instant crypto on-ramp to enable users to buy digital assets with their cash balance and send them directly to over 20 supported blockchains, including Ethereum and Polygon. This removes the friction of needing to transfer funds between centralized exchanges and wallets, which is especially useful for DeFi users looking for fast access to on-chain assets.

So while Juno lacks the "pro features" of trading platforms, it makes up for it by offering simplicity and speed, which is ideal for users who prioritize ease of use and direct access to multiple crypto ecosystems.

Earning Rewards

There's no staking service on Juno. Crypto airdrops or other similar promotional campaigns are also not currently supported. Instead, this platform offers a free checking account that functions much like a high-yield savings account, with standout interest rates. You can earn 4.29% APY on your cash balance up to $10,000, and 3% APY on any amount between $10,001 and $250,000.

Importantly, as funds in your Juno account are protected by SIPC coverage, you can enjoy these high returns without sacrificing peace of mind. If you’re looking for a practical way to make the most of this account, consider using it as your emergency fund.

Although there's no Juno Crypto staking feature, you may be able to passively earn up to $500 annually at the mentioned interest rate above by depositing $10,000. This way, you don't need to move your money around frequently or take on investment risk.

Fees and Limits

Some of Juno’s fees and limits may vary depending on your country, so it’s always best to check the app directly for the most accurate and up-to-date details. However, you can refer to the table below for a general overview of Juno’s withdrawal fees, transaction limits, and other key information.

Caption: The fee structure on Juno

Here are some details you need to know about Juno Crypto fees:

• Variable incoming transaction fees. Juno charges no fee for incoming domestic wire transfers. Meanwhile, instant card funding, such as incoming transfers from peer-to-peer payment apps (e.g., Cash App, Apple Cash, PayPal, and Venmo) has a $0.99 fee.
• Deposit fees via a debit card. Juno charges a 2% deposit fee for debit card funding after the first three transactions.
• Token-specific crypto withdrawal fees. A small service fee applies when transferring cryptocurrencies to an external wallet, on top of the standard network fees. The fee amount depends on the specific asset, such as 0.5 USDT and 0.000068 BTC per withdrawal.
• Refundable ATM withdrawal fees. You can withdraw your funds via Juno Debit Card at any Mastercard-compatible ATM across the globe, but it may incur fees depending on the ATM owners.

Always check Juno’s official website and social media for the latest updates, as policies may change. For instance, during its partner’s bankruptcy, the platform temporarily raised the Juno crypto limit for withdrawals from $40,000 to $200,000 to help users move their self-custodied funds since it doesn’t hold crypto assets itself.

In another update from May 2024, Juno also provided reimbursements of ATM withdrawal fees, up to a maximum of $4, for a certain period.

Customer Support

In Juno Crypto, customer service is one of its strengths, backed by many positive user reviews. Based on my experience, Juno’s support started with a chatbot that offers a set of pre-made responses.

The interaction felt surprisingly natural and friendly, complete with emojis, so it didn’t feel like I was talking to a robot. When needed, the bot also provides links to YouTube tutorials or the help center to guide me through specific information.

If you'd prefer to speak with a real person, you can click the [Talk to Human] option included in the bot's replies. In addition to the chat box, you can reach out via email. Just note that live support isn’t available 24/7 because human agents are only online Monday to Friday, from 9 AM to 6 PM Eastern Time. So, expect some wait time outside those hours.

Another important note is that every support conversation requires you to enter your name and email address. So unlike some crypto platforms that allow anonymous chats, Juno’s approach may not appeal to users who prioritize total privacy.

User Experience

The interface is generally user-friendly and intuitive, making it easy for users to manage crypto or cash accounts, as well as their Juno card and rewards.

At the homepage, for example, the layout is clean, with important features like portfolio tracking, asset search, and real-time crypto pricing prominently displayed. Users can clearly see their Treasury and Crypto balances, check the current interest rate, and perform quick actions like ACH transfers, deposits, and withdrawals with just a tap.

However, user experience goes beyond just the interface, as it also includes how a platform handles operational challenges. In Juno Crypto’s case, one notable issue has been navigating the fallout from its former banking partner's bankruptcy.

As a result, new user signups remain paused, with no clear timeline for when they can create an account. This uncertainty has led to frustration among prospective users, who are advised to regularly check Juno’s official channels for updates regarding registration availability.

How to Use Juno

Using Juno is designed to be simple, even if you're new to fintech or crypto. In this section, let's learn how to get started step by step: from creating your Juno account to making your first deposit, and finally, how to buy crypto directly through the app.

How to Create a Juno Account

If you're ready to start using Juno, here’s a simple walkthrough to help you set up your account in just a few minutes:

If Juno isn't supported in your region, you should see a message stating that sign-ups aren't available in your area. On the other hand, if your region is supported, your account can be created instantly.

Once your account is set up, you can start exploring the platform, whether that’s accessing your wallet or receiving direct deposits in crypto.

How to Deposit on Juno

Once your Juno account is set up, funding it is straightforward. Here's how to deposit money into your Juno wallet using the mobile app:

That’s a simple guide on how to buy crypto on Juno. Once done, your funds should begin processing and appear in your Juno account shortly. It's a simple and secure way to move money into the app and start using Juno’s crypto and banking features right away.

How to Withdraw From Juno

Withdrawing crypto from your Juno wallet is simple and user-friendly with only several taps. Just follow these steps to complete your transaction smoothly:

After you’ve done all of these, your crypto should be on the way. When sending crypto from your Juno account, you’re charged a network fee, which goes directly to the Bitcoin or Ethereum network to process your transaction, and a withdrawal fee for Juno that varies based on the crypto you purchase.

Comparison to Other Popular Exchanges

Juno often gets compared to bigger names in the crypto space like Kraken, Bybit, and Coinbase, but what is Juno Crypto's unique selling point actually? While these platforms enable global users to access advanced tools, Juno positions itself as a crypto-friendly banking alternative tailored for US users.

In this section, I’ll break down how Juno compares to these major exchanges in terms of features, ease of use, supported tools, and everyday functionality.

Juno VS Kraken

Juno positions itself as a "crypto-friendly bank" for US users, offering a seamless integration of traditional banking services with crypto functionalities. On Juno, users can manage both USD and crypto assets within a single platform.

On the other hand, Kraken is a globally recognized crypto exchange known for its diverse range of trading features, including spot, margin, and derivatives markets. It has also garnered several awards due to its intuitive interface and customer-centric approach.

Although Kraken provides various cryptocurrencies and trading pairs, US users face certain restrictions. Notably, it's unavailable to residents of New York, Washington, and Maine due to state-specific regulations. Services like on-chain staking and trading between fiat currencies are also limited for users in the country.

Overall, users seeking a platform for everyday financial needs can go with Juno, while those with advanced trading needs should try Kraken – although you need to confirm its availability in your region.

📚 Read More: Kraken Review

Juno VS Bybit

Bybit is a global crypto exchange known for its advanced trading features, including spot, margin, and derivatives markets, making it ideal for active traders looking for high liquidity and a wide selection of trading pairs.

On the other hand, Juno emphasizes a smoother experience for everyday financial needs. This includes a high-yield checking account and seamless cash-to-crypto conversions via its partnership with Zero Hash. It positions itself more as a crypto-friendly banking app, focusing on helping users manage their fiat and crypto holdings in a unified platform, especially within the US market.

Unlike limited earning opportunities on Juno, you can earn crypto rewards on Bybit by accessing various crypto earning products, such as staking and lending. Bybit also supports access to new token launches, has its own Web3 ecosystem integrations, and offers NFT marketplaces for a full-scale experience.

📚 Read More: Bybit Review

Juno VS Coinbase

Both Juno and Coinbase are user-friendly, but they cater to slightly different needs. Coinbase is widely recognized for its ease of use, especially for beginners. Its clean design and guided purchase process make it one of the most accessible crypto platforms globally.

However, unlike Juno, Coinbase also offers a more advanced trading option through Coinbase Advanced. This version includes detailed charts, multiple order types, and lower fees, which is ideal for more experienced traders.

Similar to Juno, Coinbase offers Coinbase Card, a feature that adds extra utility for users looking to spend crypto in everyday transactions. Unlike the Juno Card, which draws funds from a USD checking account, Coinbase Card allows users to spend crypto directly from their balance while earning rewards with each purchase.

Meanwhile, Juno sticks to a simple approach with a basic crypto buying and selling interface. While it doesn't support complex trading strategies, Juno shines in its seamless crypto on-ramp to over 20 chains, making it a great option for users focused on DeFi or sending assets directly on-chain.

📚 Read More: Coinbase Review

	COINBASE	BINANCE US	BYBIT
Overall Score	9.6	8.3	8.0
Best For	Advanced Users & Beginners	Buying, Selling, and Trading Cryptocurrencies	More Advanced Users
Operating Countries	United States, United Kingdom, Germany, Canada, France, + 100 more	United States	South Korea, United Kingdom, Ukraine, Turkey, +160 more
Latest Coupons	GET $200 REWARD All Coinbase Coupons	See All Coupons of Best Exchanges	See All Coupons of Best Exchanges
Verdict	A well-known and one of the most reputable crypto exchanges in the US.	A US-specific cryptocurrency exchange with some industry-leading trading fees.	A popular crypto derivatives exchange with some super-low trading fees.
	Visit site Read review	Visit site Read review	See TOP10 Brands Read review

Pros

• Secure and reliable
• Accepts fiat currencies
• Lots of trading options

Main Features

• Reputable exchange
• Accepts fiat currencies
• Offers various trading options

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Pros

• Accepts fiat currencies
• Simple to use
• Supports only trusted cryptocurrencies

Main Features

• A leading cryptocurrency exchange platform
• Best for all type investors
• Accepts fiat currencies

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Pros

• Beginner-friendly
• Secure
• Decent trading and withdrawal fees

Main Features

• Crypto.com Visa Card
• Automated tools & bots
• Ecosystem synergy with CRO

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Conclusions: Is Juno Right for You?

Juno isn’t the platform for you if you're after a crypto trading powerhouse packed with pro-level tools. Instead, many Juno Crypto reviews highlight it as a solid choice for users who prioritize simplicity. With its intuitive interface and instant crypto on-ramping, Juno makes it easy to manage your finances and conveniently spend from your USD balance.

That said, be mindful of its pricing structure because it’s not the most cost-effective option when compared to platforms like Coinbase and Bybit, especially for frequent traders.

Additionally, new user registrations are currently paused, and policies, such as Juno Crypto limits and other operational details, are still evolving due to recent partner changes. For the latest updates, it’s best to regularly check Juno’s official website or social media channels.

The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.

Scientific References

1. A. Petropoulou, V. Pappas, S. Ongena, D. Gounopoulos, R. Fairchild: 'The Performance of Fdic-Identified Community Banks';

2. J. G. Jenkins, V. Popova, M. D. Sheldon: 'Monitoring the Accounting Profession Under the AICPA Code of Professional Conduct: An Analysis of State Board of Accountancy Participation'.