Is Bitcoin Suisse crypto friendly?
Yes, for people with CHF 50,000 or more. It is a crypto broker and custodian, not a deposit bank.
CBL Score: 11 of 16
| Criterion | Score | Source |
|---|---|---|
| Accepts exchange transfers | partial (1) | source · checked 8 September 2026 |
| 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 | no (0) | 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 11 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 | Accepts exchange transfers | yes to partial | source |
Standing
| Jurisdiction | Liechtenstein · Switzerland |
| Type | Crypto-native |
| Health tag | Solid MiCA licence obtained 2026, long track record. One nuance: a crypto service provider rather than a deposit bank. · checked 26 August 2026 |
| Last verified | 8 September 2026 |
If they close your account
Closure policy: Partial
| Notice | No notice period. Clause 27.1 (GTC v8.0, 1 November 2025) says both the client and Bitcoin Suisse may terminate the business relationship at any time with immediate effect in writing, unless a specific duration or notice period was agreed. Clause 25.3 adds an immediate termination right if the client becomes a U.S. person. |
| Reasons given | By category only (terms breach, security risk, missing documents) |
| Access to funds | Clause 27.4: on termination notice the client must give a whitelisted wallet address so any remaining crypto balance can be sent to the client's external wallet. If none is provided within 30 calendar days, Bitcoin Suisse converts the crypto to fiat at the prevailing market price and transfers it to the client's bank account. Account closing and trading fees may apply. Clause 27.3: outstanding fees become due immediately. |
| Appeal | Not stated on the pages found. Clause 12.6 only requires complaints about a service within 30 calendar days. No ombudsman or regulator route is named in the GTC. |
| Names crypto as a ground for closure | no |
Sources: Bitcoin Suisse general terms and conditions v8.0 (November 2025), clauses 12.6, 25.3, 26.2 and 27 · official, checked 23 September 2026
Bitcoin Suisse legal and policy page · 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 Bitcoin Suisse allows and blocks
Allowed
- Fund the account by bank transfer in CHF, EUR or USD, or by sending crypto in
- Trade more than 65 crypto assets against fiat, with stablecoin and fiat pairs priced at a lower fee
- Sell USDC or EURC for fiat, and hold USDC and EURC free of the custody fee
- Withdraw crypto to an external wallet you can prove you own, including a wallet at an exchange
- Custody in the Crypto Account, the cold storage Vault or the on-chain Proof Wallet, keys kept in Switzerland
- Stake ETH, SOL, DOT, ADA and other proof of stake assets, with rewards paid to the account
- Borrow USD, EUR or CHF against crypto collateral, or lend fiat for yield
- Accounts for crypto foundations, token issuers, funds and corporates, including token launch custody
- EEA clients served through Bitcoin Suisse (Europe) AG, MiCAR authorised in Liechtenstein
Blocked or restricted
- No Swiss banking licence. The FINMA application was withdrawn in 2021 after an unfavourable prognosis
- No card of any kind. Bitcoin Suisse Pay is a merchant checkout product, not a consumer card
- Private accounts start at CHF 50,000, corporate accounts at CHF 500,000
- Withdrawals only to bank accounts and wallets you can prove you own, so no fiat to a third party or an exchange's own bank account
- The CryptoFranc (XCHF) stablecoin was discontinued in 2024 and can no longer be bought or redeemed at Bitcoin Suisse
- Not directed at residents of jurisdictions where the service would be unlawful, and sanctioned persons are excluded
Opening an account
- Four steps: create a login with email and phone, enter personal and tax details, complete a video identification with a staff member, then the account is activated
- Documents asked for: an identification document and your tax ID number
- Minimum deposit is CHF 50,000 for private individuals and CHF 500,000 for corporate clients
- Expected opening time is not published. In early 2021 the firm warned of four to six week waits during a rush, so allow time
- Sanctioned persons and residents of jurisdictions where the service would be unlawful are turned away. A list of accepted countries is not published
Fees that matter
- Trading fee 0.95% per order for private clients (0.70% corporate), minimum CHF 50. Fiat and stablecoin pairs cost 0.25%, minimum CHF 50. Orders placed through a relationship manager add CHF 50
- Custody fee 0.45% a year on crypto up to CHF 5 million, falling to 0.30% above CHF 100 million, with a quarterly minimum of CHF 62.50 (CHF 1,250 for corporates). USDC, EURC and CHFAU are exempt. The Vault adds 0.20% a year and the Proof Wallet 0.10%
- Staking fee is 15% of rewards. Withdrawals cost CHF 20 for fiat and CHF 40 for crypto. Closing the account costs up to CHF 500
- No account or platform fee is listed beyond the custody minimum, and blockchain network costs are covered by Bitcoin Suisse
Regulatory history
| 2021 | FINMA told Bitcoin Suisse AG its banking licence application was unlikely to succeed, citing weaknesses in anti-money-laundering defences. The firm withdrew the application on 17 March 2021 and stayed a VQF-supervised financial intermediary. source |
| 2026 | The FMA Liechtenstein authorised Bitcoin Suisse (Europe) AG, Vaduz, as a MiCAR crypto-asset service provider on 22 June 2026, covering custody, exchange, order execution and transfer services. source |
| 2026 | BTCS (Middle East) Ltd. received a Financial Services Permission from ADGM's FSRA on 7 July 2026, following a Bermuda BMA Class F digital asset licence for Bitcoin Suisse (International) Ltd. in May 2026. source |
See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.
Questions about Bitcoin Suisse
Does Bitcoin Suisse let me send money to Kraken?
Not as a fiat transfer. Bitcoin Suisse is a crypto broker and custodian, not a bank, and withdrawals go only to bank accounts and wallets you can prove you own. You can withdraw crypto to your own Kraken wallet for a CHF 40 fee. Fiat withdrawals to your own bank account cost CHF 20.
Is Bitcoin Suisse a bank?
No. Bitcoin Suisse AG is a Swiss financial intermediary supervised for anti-money-laundering through the SRO VQF. It applied for a FINMA banking licence in 2019 and withdrew the application in March 2021 after FINMA said approval was unlikely. Its Liechtenstein arm, Bitcoin Suisse (Europe) AG, holds a MiCAR crypto-asset service provider authorisation from the FMA since June 2026.
What is the minimum to open a Bitcoin Suisse account?
CHF 50,000 for a private individual and CHF 500,000 for a company. You need an identification document and your tax ID, and you complete a video identification with a staff member. The custody fee has a quarterly minimum of CHF 62.50 for individuals.
Can I cash out USDC at Bitcoin Suisse?
Yes. Stablecoin to fiat trades are priced at 0.25% with a CHF 50 minimum, and USDC and EURC holdings carry no custody fee in the standard Crypto Account. The fiat can then be withdrawn to your own bank account in CHF, EUR or USD for CHF 20.
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.