Staking plus card is the retail power-user combination: earn on coins and spend them. Nine parent banks fail. Five fail both tests, since BCB Group, BBVA, Zürcher Kantonalbank, Luzerner Kantonalbank and ClearBank offer neither staking nor a crypto card. Bitcoin Suisse stakes but has no card, and PostFinance stakes ETH but its Debit Mastercard cannot touch the custody account. LHV has a card but no staking yet, and Standard Chartered has neither for retail. Xapo Bank and Wirex pass partially on staking because they pay Bitcoin interest and Earn rewards rather than staking, and Bank Frick is partial on the card.
| 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. |
| 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. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Revolut stakes 16 tokens including ETH, SOL, ADA and DOT at an advertised rate of up to 22% APY, and its crypto card is free as a virtual card and works with Apple Pay and Google Pay. Wirex pairs Earn accounts at up to 9.75% APY with a Visa card in the UK, though Earn is not staking. Revolut carries a Watch health tag and Wirex an Unknown one.
Swissquote. It stakes ETH, DOT, SOL and ADA while keeping 20% of rewards, and its Debit Mastercard can settle purchases by selling Bitcoin, Ethereum or XRP. Sygnum and AMINA Bank offer both but take qualified or professional clients. PostFinance stakes ETH for Swiss residents but fails the card test because the coins cannot be spent.