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

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)

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

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

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

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

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

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

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

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

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

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

Up to the full list

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

Same region, other tests

Exchange transfers and a card elsewhere

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