Is Bank Frick crypto friendly?
Yes for crypto businesses, intermediaries and wealthy private clients. No walk-in retail.
CBL Score: 13 of 16
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | yes (2) | source · checked 8 September 2026 secondary source |
| Stablecoin off-ramp | yes (2) | source · checked 8 September 2026 |
| Business accounts for Web3 | yes (2) | source · checked 8 September 2026 |
| Custody | yes (2) | source · checked 8 September 2026 |
| Staking and yield | yes (2) | source · checked 8 September 2026 |
| Card | partial (1) | source · checked 8 September 2026 |
| Multiple jurisdictions | partial (1) | source · checked 8 September 2026 |
| Open to retail | partial (1) | source · checked 8 September 2026 |
Total 13 of 16. Yes scores 2, partial 1, no 0. A secondary source is press or a third party rather than the bank or its regulator. Unverified means no source could be found; the score stands until one is.
Score history
Scores are revised when a bank's documents change. Each revision is dated and sourced.
| 8 September 2026 | Card | no to partial | source |
| 8 September 2026 | Open to retail | no to partial | source |
Standing
| Jurisdiction | Liechtenstein |
| Type | Crypto-native |
| Health tag | Solid Licensed universal bank since 1998, profitable, MiCA-authorised for the EEA. · checked 26 August 2026 |
| Last verified | 8 September 2026 |
If they close your account
Closure policy: Silent
| Notice | GBC part III clause 1: unless a specific duration or notice period has been agreed, both the client and the Bank may terminate the whole or part of the relationship at any time subject to a reasonable period of notice. No fixed number of days is stated. Termination with immediate effect is allowed for good cause, in particular a serious deterioration of the client's finances, incorrect or incomplete information about material circumstances, or failure to provide collateral. |
| Reasons given | No. The policy says reasons are not given |
| Access to funds | Part III clause 1: after termination the client is given a reasonable period of grace to say where assets should be transferred. If the client does not, the Bank may liquidate the assets and send the proceeds plus any balance by cheque to the last known address, hold them in storage, or deposit them with the Princely Regional Court. Safe custody regulations clause 3.3 apply the same approach to tokens the Bank can no longer hold: return to the client's last known TT identifier or liquidate and pay out. |
| Appeal | No internal appeal against termination is described. Part I clause 11 points to the Bank's complaints management system and to the Liechtenstein extrajudicial arbitration board for the financial services sector (schlichtungsstelle.li) or the civil courts. The Bank is supervised by the Liechtenstein FMA. |
| Names crypto as a ground for closure | no |
Sources: Bank Frick General Business Conditions including Safe Custody Regulations, valid from 1 January 2022, part I clause 11, part II clause 3.3 and part III clause 1 · official, checked 23 September 2026
A closure usually starts as a freeze. The Frozen Account Survival Kit covers the first 48 hours. Every bank side by side: which banks tell you why they closed your account.
What Bank Frick allows and blocks
Allowed
- Business accounts for blockchain companies, with current accounts in CHF, EUR, USD, GBP and other convertible currencies
- Crypto trading against EUR, USD and CHF on bank working days between 8 a.m. and 6 p.m. CET
- Custody of 16 crypto assets including BTC, ETH, SOL, XRP, LTC, XLM, AVAX, LINK, DOT, ADA, XTZ, ATOM, POL, NEAR, BCH and USDC
- Staking of ETH, ADA, XTZ, SOL, DOT, POL and ATOM, rewards credited to the client's crypto account
- USDC held in custody and exchanged for fiat under the bank's fiat/crypto exchange service
- Withdrawal of crypto to a wallet the bank does not control, after a review by the bank
- Clients from Liechtenstein, Switzerland, Austria, Germany and the rest of the EEA, plus the UK through the London branch and the Gulf through the DIFC branch in Dubai
- Institutional clients get Sponsored Access to the RULEMATCH venue for BTC, ETH and USDC against USD
- A Debit Mastercard or Maestro card is listed in the standard fee schedule
Blocked or restricted
- No walk-in retail. The bank markets itself to financial intermediaries and professional clients, and private persons come in mainly through intermediaries or with substantial assets
- Crypto withdrawals to external wallets are released only after a regulatory and internal review
- Crypto trading is limited to bank business hours, Monday to Friday
- Staking may be unavailable or limited depending on the client's country of residence
- Only USDC is listed among supported assets. USDT and EURC are not mentioned
- Third-party agents report the bank does not take residents of Russia or Ukraine, including as beneficial owners
Opening an account
- The bank does not publish a minimum deposit or a fixed opening time. Its own FAQ says it is open to clients across the EEA and the UK, with core markets in Liechtenstein, Switzerland, Austria and Germany.
- Third-party account-opening agents report a private-client minimum of about EUR, USD or CHF 500,000, higher for crypto trading and custody, and a personal visit to the bank before opening. Treat those figures as indicative, not the bank's own.
- Expect the usual set: passport, proof of address, corporate documents, beneficial-owner details and KYC/AML forms, with originals or notarised copies. Agents quote roughly two months for a corporate file.
- Crypto businesses are onboarded but the bank says other documents may be requested depending on risk classification and business profile. Individual fee schedules apply depending on business model and risk.
- There is a capital contribution account for company incorporations, with a confirmation fee of 0.1 percent of founding capital, minimum CHF 250 and maximum CHF 1,000.
Fees that matter
- Account maintenance CHF 50 per quarter per client relationship, plus a minimum of CHF 500 per year for legal entities. Closing fee CHF 250.
- Crypto custody 0.40 percent per year, minimum CHF 200. Fiat/crypto and crypto/fiat exchange 1.00 percent, minimum CHF 250 per trade. Crypto delivery out CHF 250 per position, deposits free.
- Staking fee 15 percent of staking rewards, debited monthly in fiat countervalue.
- Payments CHF 5 up to CHF 5,000 and CHF 10 above that. USD payments cost 0.20 percent with a CHF 100 minimum. Non-SEPA OUR payments carry a CHF 40 surcharge, and any order not entered through online banking costs CHF 40 extra.
Regulatory history
| 1998 | Bank Frick founded in Balzers by Kuno Frick Sr and partners and has operated as a Liechtenstein bank since then, fully owned by the Kuno Frick Family Foundation. source |
| 2025 | DFSA licence for a DIFC branch in Dubai, announced 18 December 2025, covering arranging investment business, lending, custody services and financial services for the Liechtenstein bank. source |
| 2026 | MiCAR authorisation from the FMA Liechtenstein announced 20 January 2026, covering custody, order execution and transfer services for clients across all 30 EEA countries. source |
See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.
Questions about Bank Frick
Can I open a personal account at Bank Frick to buy crypto?
Only if you fit its client profile. Bank Frick says its end clients include private persons, but it serves financial intermediaries and professional clients first, and most individuals arrive through an asset manager or fiduciary. The bank publishes no minimum, while third-party agents quote about 500,000 in EUR, USD or CHF and a visit to the bank in Balzers.
Does Bank Frick let me send money to Kraken or Coinbase?
Bank Frick works with third-party crypto exchanges and brokers for its own trading, and its xPULSE payment service is described as a way to pay crypto exchanges. Kraken itself lists Bank Frick as a funding provider for EUR, CHF, USD, GBP and CAD. Crypto withdrawals to an external wallet are released only after a review.
What does Bank Frick charge for crypto custody and trading?
The standard fee schedule sets crypto custody at 0.40 percent a year with a CHF 200 minimum, and fiat/crypto exchange at 1.00 percent with a CHF 250 minimum per trade. Sending crypto out costs CHF 250 per position. Staking costs 15 percent of rewards. Individual fee schedules can apply depending on your business model.
Which coins can I stake with Bank Frick?
ETH, ADA, XTZ, SOL, DOT, POL and ATOM. Rewards are credited to your crypto account with the bank and re-staked by default. Unbonding periods follow each network, from two days on Solana to 28 days on Polkadot. Staking may not be available in every country of residence.
Closest alternatives
Yes, but only for qualified investors, companies and institutions. Sygnum does not take retail clients.15/16AMINA Bank
Yes, but only for professional clients and companies. Individuals need CHF 500,000 in assets plus finance experience, or CHF 2 million.