Custody means the bank holds the coins for you rather than leaving you to run a wallet. ClearBank is the parent bank that fails: it states clients keep control of their own wallets and offers no crypto custody. Three banks pass partially. Wirex holds balances in the app but is a UK e-money institution with no deposit or compensation cover on crypto, LHV keeps coins inside the bank with no way to move them out, and BCB Group's Stablecoin Earn lends your USDC, USDT or EURC out under a master loan agreement rather than holding it idle. The strongest custody language comes from the Swiss side, where Sygnum, AMINA Bank and Luzerner Kantonalbank hold assets off balance sheet and segregated in bankruptcy.
| 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. |
| 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%. |
| 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. |
| 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.
Sygnum describes regulated custody for more than 70 assets held off balance sheet and bankruptcy remote. AMINA Bank runs hot and cold custody off the bank's balance sheet in segregated wallets. Luzerner Kantonalbank holds coins off balance sheet in an ISAE 3000 and ISAE 3402 certified setup, segregated in bankruptcy. Swissquote says assets traded on SQX sit off the bank's balance sheet, and Bitcoin Suisse keeps keys in Switzerland but is not a bank.
Yes. Bitcoin is held through Xapo VASP Limited, a GFSC-regulated DLT provider, 1:1 with MPC key sharding. The catch is that Bitcoin is the only supported digital currency under the VASP terms, so anything else sent to a Bitcoin address is lost. USDC and USDT arrive as USD in the account rather than as custodied tokens.