Which banks in Europe outside the EU offer exchange transfers 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 · exchange transfers: yes · card: yes
Allowed: Institutional off-exchange custody (Sygnum Protect) for trading on Binance, Deribit and Bybit without pre-funding the exchange
Watch out: Paying merchants directly in crypto with the card. The Viseca-issued card settles in fiat, and crypto is converted first
Allowed: Institutional off-exchange custody (Sygnum Protect) for trading on Binance, Deribit and Bybit without pre-funding the exchange
Watch out: Paying merchants directly in crypto with the card. The Viseca-issued card settles in fiat, and crypto is converted first
AMINA Bank 15 of 16 · exchange transfers: 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: No card on the free Silver package. Cards come with Gold (CHF 480 a year) or Platinum (CHF 1,000 a month)
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: No card on the free Silver package. Cards come with Gold (CHF 480 a year) or Platinum (CHF 1,000 a month)
Swissquote 15 of 16 · exchange transfers: yes · card: yes
Allowed: Crypto deposits from six whitelisted exchanges: Bitpanda, Bitstamp, Coinbase, Gemini, Kraken and Revolut, after you upload screenshots of the transaction
Watch out: Crypto withdrawals to any cryptocurrency exchange. Swissquote says attempts could result in loss of the funds
Allowed: Crypto deposits from six whitelisted exchanges: Bitpanda, Bitstamp, Coinbase, Gemini, Kraken and Revolut, after you upload screenshots of the transaction
Watch out: Crypto withdrawals to any cryptocurrency exchange. Swissquote says attempts could result in loss of the funds
Xapo Bank 14 of 16 · exchange transfers: yes · card: yes
Allowed: Accounts for businesses, trusts and qualifying financial institutions, including exchanges and digital asset treasuries
Watch out: Institutional accounts cannot pay suppliers or run payroll; every transfer must match the entity's own name
Allowed: Accounts for businesses, trusts and qualifying financial institutions, including exchanges and digital asset treasuries
Watch out: Institutional accounts cannot pay suppliers or run payroll; every transfer must match the entity's own name
Wirex 14 of 16 · exchange transfers: yes · 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
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 · exchange transfers: yes · card: partial
Allowed: USDC held in custody and exchanged for fiat under the bank's fiat/crypto exchange service
Allowed: USDC held in custody and exchanged for fiat under the bank's fiat/crypto exchange service
Revolut 13 of 16 · exchange transfers: partial · card: yes
Allowed: Crypto deposits from major exchanges including Coinbase, Binance, Kraken, Bitstamp and eToro
Watch out: Fiat transfers to some cryptocurrency exchanges: Revolut lists 'some cryptocurrency exchanges' among unsupported recipients on its declined-transfer help page
Allowed: Crypto deposits from major exchanges including Coinbase, Binance, Kraken, Bitstamp and eToro
Watch out: Fiat transfers to some cryptocurrency exchanges: Revolut lists 'some cryptocurrency exchanges' among unsupported recipients on its declined-transfer help page
LHV 9 of 16 · exchange transfers: yes · card: partial
Allowed: Euro transfers in to fund a purchase and euro withdrawals after a sale, as ordinary bank payments
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
Allowed: Euro transfers in to fund a purchase and euro withdrawals after a sale, as ordinary bank payments
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 · exchange transfers: partial · card: partial
Allowed: A free PostFinance Card (Debit Mastercard) comes with the private account, and credit cards are available
Watch out: No published policy on fiat transfers to or from crypto exchanges. A third-party guide reports CHF transfers to regulated exchanges are not blocked
Allowed: A free PostFinance Card (Debit Mastercard) comes with the private account, and credit cards are available
Watch out: No published policy on fiat transfers to or from crypto exchanges. A third-party guide reports CHF transfers to regulated exchanges are not blocked
BBVA 9 of 16 · exchange transfers: partial · card: partial
Allowed: USDC custody, exchange and near real-time conversion into euros or dollars at BBVA Switzerland (announced September 2024)
Watch out: Spanish purchases are capped at 20,000 euros a year (50,000 on request) and the SEPA Instant ceiling is low, around 1,000 euros per transfer
Allowed: USDC custody, exchange and near real-time conversion into euros or dollars at BBVA Switzerland (announced September 2024)
Watch out: Spanish purchases are capped at 20,000 euros a year (50,000 on request) and the SEPA Instant ceiling is low, around 1,000 euros per transfer
Luzerner Kantonalbank 7 of 16 · exchange transfers: partial · card: partial
Allowed: Transfer supported coins in from an external wallet you control, free of charge, minimum CHF 5,000 per coin
Watch out: No published policy on bank transfers to or from external crypto exchanges
Allowed: Transfer supported coins in from an external wallet you control, free of charge, minimum CHF 5,000 per coin
Watch out: No published policy on bank transfers to or from external crypto exchanges
Zürcher Kantonalbank 6 of 16 · exchange transfers: partial · card: partial
Watch out: No transfers of crypto to or from the bank: you cannot deposit coins from an external wallet or withdraw to one
Watch out: No transfers of crypto to or from the bank: you cannot deposit coins from an external wallet or withdraw to one