Business banking with a card is rarer than it sounds in this region, and nine parent banks fail. Four fail both tests: PostFinance, BBVA, Zürcher Kantonalbank and Luzerner Kantonalbank have no Web3 business offer and no crypto card. Revolut fails on business accounts. Bitcoin Suisse, BCB Group, Standard Chartered and ClearBank bank crypto firms but issue no crypto card, with Bitcoin Suisse Pay being a merchant checkout rather than a card. Bank Frick and LHV pass partially because their debit cards appear in the fee schedule without a stated crypto link, and Swissquote is partial on the business side.
| 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. |
| 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. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
LHV Bank Ltd gives its UK clients a fee-free debit card with no foreign spending fees, though crypto bought at LHV cannot be spent with it. Wirex offers business accounts for Web3 companies and a Visa card in the UK, but the sheet does not state that the card sits on the business account. Xapo Bank issues a debit card and takes business clients, with the same caveat.
A Debit Mastercard or Maestro card is listed in Bank Frick's standard fee schedule, which is why it scores partial rather than full on the card test. The data records no link between that card and the USDC or other crypto the bank custodies. Business accounts run in CHF, EUR, USD, GBP and other convertible currencies.