Holding both tests means a crypto company can bank here and turn its USDC or USDT into fiat in the same place. Six parent banks drop out. LHV fails the stablecoin test because it lists no e-money tokens under MiCA. Revolut fails the business test by excluding crypto firms and blocking crypto on business accounts. PostFinance, BBVA, Zürcher Kantonalbank and Luzerner Kantonalbank offer no accounts for Web3 businesses. Among those that pass, Swissquote is partial on business accounts, ClearBank is partial on stablecoins because it mints and redeems through Circle Mint for regulated institutions rather than trading them, and Standard Chartered is partial on both.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Sygnum | 15/16 | Crypto-native | Solid | none | Yes, but only for qualified investors, companies and institutions. Sygnum does not take retail clients. |
| AMINA Bank | 15/16 | Crypto-native | Solid | none | Yes, but only for professional clients and companies. Individuals need CHF 500,000 in assets plus finance experience, or CHF 2 million. |
| Swissquote | 15/16 | Neobank | Solid | Strict | Yes, with fenced on-chain flows: crypto comes in only from six named exchanges or your own wallet, and never goes out to an exchange. |
| Xapo Bank | 14/16 | Crypto-native | Solid | Unknown | Yes. Bitcoin and stablecoins are the core product, though the bank publishes no policy on transfers to exchanges. |
| Wirex | 14/16 | Neobank | Unknown | Strict | Yes. Crypto moves freely in and out, but the card cannot buy crypto elsewhere and the old app lost its crypto features in the EEA on 30 June 2026. |
| Bank Frick | 13/16 | Crypto-native | Solid | none | Yes for crypto businesses, intermediaries and wealthy private clients. No walk-in retail. |
| Bitcoin Suisse | 11/16 | Crypto-native | Solid | none | Yes, for people with CHF 50,000 or more. It is a crypto broker and custodian, not a deposit bank. |
| BCB Group | 10/16 | Business banking | Watch | none | Yes for crypto businesses and institutions, no for individuals. BCB is a payments and settlement provider, not a bank. |
| Standard Chartered | 8/16 | Traditional | Watch | none | Yes for institutions, through spot trading, custody and stablecoins. Retail customers get little beyond the Mox app in Hong Kong. |
| ClearBank | 7/16 | Business banking | Solid | none | Yes for regulated crypto businesses, no for individuals. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Sygnum trades and converts USDC and USDT to fiat and banks DLT companies and foundations. AMINA Bank trades USDC, USDT, EURC, PYUSD and RLUSD for Web3 startups, exchanges and funds. Bank Frick exchanges USDC for fiat under its exchange service but lists no USDT or EURC. Bitcoin Suisse sells USDC and EURC for fiat, with corporate accounts from CHF 500,000.
ClearBank offers EURC and USDC minting and redemption at par through Circle Mint for onboarded regulated institutions, which is why it scores partial rather than full. BCB Group converts crypto to fiat with USDC named and settles into SEPA or Faster Payments, but its USDT services are closed to EU-based clients. Wirex Business gives Web3 firms the same on-chain USDC, USDT and EURC rails as its personal accounts.