Which banks in Europe outside the EU offer custody and a card?

Every bank that passes this test also appears on Crypto-friendly banks in Europe outside the EU with a card, and the list is identical. That page carries the full write-up and is the one search engines are pointed to. The table below is the same set.

The banks that pass

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.
LHV	9/16	Business banking	Solid	Relaxed	Yes. Crypto trading is built into the Estonian app, and the UK arm banks Coinbase and Bitstamp, but coins cannot leave the 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%.
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.
Zürcher Kantonalbank	6/16	Traditional	Solid	none	Yes for buying and holding crypto inside the bank, but nothing moves in or out.

Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.

Bank by bank

Sygnum 15 of 16 · custody: yes · card: yes
Allowed: Crypto deposits and withdrawals for every asset Sygnum custodies, to wallets you own, after a screening check on first use
Watch out: Crypto withdrawals to third-party wallets. Sygnum's help pages only describe sending to external wallets you own

AMINA Bank 15 of 16 · custody: yes · card: yes
Allowed: Crypto transfers into AMINA from your own account at a supported exchange or custodian, including Coinbase, Kraken, Bitstamp, ByBit, Deribit and Revolut, once you prove the account is yours
Watch out: Crypto deliveries to or from any wallet you do not control. The pricing schedule says deliveries are only possible to a wallet under the client's control

Swissquote 15 of 16 · custody: yes · card: yes
Allowed: Crypto deposits from a self-custody wallet where you alone hold the private key
Watch out: Crypto deposits from exchanges not on the whitelist, and from any custodial wallet you do not control. These are rejected and may cost extra fees

Xapo Bank 14 of 16 · custody: yes · card: yes
Allowed: Bitcoin custody through Xapo VASP Limited, a GFSC-regulated DLT provider, held 1:1 with MPC key sharding

Wirex 14 of 16 · custody: partial · card: yes
Allowed: Crypto deposits from any external wallet or exchange address on a network Wirex supports
Watch out: The EEA card cannot be used for crypto trading outside Wirex, so buying on another exchange with the card is blocked

Bank Frick 13 of 16 · custody: yes · card: partial
Allowed: Custody of 16 crypto assets including BTC, ETH, SOL, XRP, LTC, XLM, AVAX, LINK, DOT, ADA, XTZ, ATOM, POL, NEAR, BCH and USDC
Watch out: Crypto withdrawals to external wallets are released only after a regulatory and internal review

Revolut 13 of 16 · custody: yes · card: yes
Allowed: Buying, selling and holding crypto inside the app, provided by Revolut Ltd in the UK (FCA cryptoasset registration, FRN 900562) and by Revolut Digital Assets Europe Ltd in the EEA (CySEC MiCA licence CASP001/25)
Watch out: Business accounts for crypto exchanges, brokers, dealers, on and off ramp providers, crypto ATMs, ICO issuers, mining, trading and investment firms, crypto asset managers and unregulated custodial wallets

LHV 9 of 16 · custody: partial · card: partial
Allowed: Buying, selling and holding 15 crypto assets inside the LHV mobile and internet bank, 24 hours a day
Watch out: Transferring crypto from LHV to an external wallet or exchange, and sending crypto into LHV. You must sell inside the bank to move value out

PostFinance 9 of 16 · custody: yes · card: partial
Allowed: Custody in a PostFinance crypto custody account, with keys held in Switzerland by Sygnum
Watch out: No deposits from or withdrawals to an external wallet. Coins stay inside the PostFinance custody account

BBVA 9 of 16 · custody: yes · card: partial
Allowed: Buying, selling and holding bitcoin and ether in the BBVA app in Spain, open to any adult retail customer, with BBVA as custodian
Watch out: Some customers report individual card or transfer blocks when paying exchanges such as Coinbase. The Bank of Spain says banks may block such payments on AML grounds

Luzerner Kantonalbank 7 of 16 · custody: yes · card: partial
Allowed: Custody of the coins by the bank itself, held off balance sheet in an ISAE 3000 and ISAE 3402 certified setup, segregated in bankruptcy
Watch out: US persons cannot hold crypto at LUKB

Zürcher Kantonalbank 6 of 16 · custody: yes · card: partial
Allowed: Bank-run custody: ZKB holds the private keys, you need no wallet of your own
Watch out: No transfers of crypto to or from the bank: you cannot deposit coins from an external wallet or withdraw to one

Up to the full list

Crypto-friendly banks in Europe outside the EU (16)

Same region, other tests

Custody and a card elsewhere

Crypto-friendly banks with custody and a card (21)Crypto-friendly banks in the EU with custody and a card (9)Crypto-friendly banks in the UK with custody and a card (4)Crypto-friendly banks in Switzerland with custody and a card (8)Crypto-friendly banks in the Gulf and MENA with custody and a card (5)Crypto-friendly banks in the UAE with custody and a card (5)

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