A stablecoin off-ramp means you can turn USDC, USDT or EURC into francs, pounds, euros or dollars in a bank account. LHV is the one parent bank that fails the test: under MiCA it offers 'other crypto assets' and no e-money tokens, so there is no stablecoin to sell. Six banks pass only partially. PostFinance lists USDC alone and keeps it inside the app, Zürcher Kantonalbank's tradable list stops at BTC, ETH, SOL and LINK, BBVA offers USDC at its Swiss arm but not in Spain, Luzerner Kantonalbank sells USDC and USDT into your own account with no FX fee but nothing to third parties, Standard Chartered's stablecoin work is institutional, and ClearBank mints and redeems EURC and USDC through Circle Mint for regulated institutions. The full passes are the Swiss crypto banks, Xapo, Bank Frick, Wirex, Revolut and BCB Group.
| 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. |
| Revolut | 13/16 | Neobank | Watch | Mixed | Yes for individuals, with the deepest crypto stack of any app-bank. No for crypto businesses. |
| 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. |
| PostFinance | 9/16 | Traditional | Solid | Mixed | Yes. PostFinance sells, holds and stakes crypto in its own app, but only for Swiss residents and with no way to move coins to your own wallet. |
| BBVA | 9/16 | Traditional | Solid | Mixed | Yes. BBVA sells and holds bitcoin and ether inside its own app in Spain, Switzerland and Türkiye, but the Spanish service is a closed loop and moving coins out costs 4%. |
| 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. |
| Luzerner Kantonalbank | 7/16 | Traditional | Solid | none | Yes. Crypto trading, custody and wallet transfers are built into the bank's own e-banking, for Swiss residents. |
| 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, AMINA Bank, Swissquote, Wirex and Luzerner Kantonalbank all list USDT alongside USDC. Xapo Bank takes USDT on Ethereum or Tron and converts it to USD on arrival. Revolut stopped USDT support in Switzerland and the EEA on 31 August 2026 and converted leftover balances to home currency. Bank Frick and PostFinance support USDC and nothing else.
Wirex converts stablecoin top-ups 1:1 into a USD or EUR balance with no spread and lets you withdraw by Faster Payments to a UK sort code. AMINA Bank holds fiat accounts in GBP and trades USDC, USDT and EURC against fiat, for professional clients. For businesses, BCB Group settles USDC conversion into Faster Payments. Xapo Bank pays out over Faster Payments too, but UK residents cannot make USD transactions there.