For savings, i dont encourage any of them, although cex exchange may be slightly preferable for a crypto person, since it offers us the chance to risk the many saved by converting it into assets like bitcoin and to benefits from the market price revenue generation if the value increases, unlike bank that give only a penny as interest and take a chunk of your money in fees.

But in terms of accessibility of funds, both bank and cex exchange are centralized and that is they hold the control of your money as long asbthe deposit is in they custody.

For savings, i dont encourage any of them, although cex exchange may be slightly preferable for a crypto person, since it offers us the chance to risk the many saved by converting it into assets like bitcoin and to benefits from the market price revenue generation if the value increases, unlike bank that give only a penny as interest and take a chunk of your money in fees.