A card on this page means a payment card tied to the account that holds your crypto, and 16 of the 36 pass. The cards that spend crypto directly are the leaders: Swissquote settles purchases by selling Bitcoin, Ethereum or XRP, Revolut's crypto card spends from a chosen coin balance, Sygnum and AMINA Bank settle Viseca credit cards from crypto or fiat holdings, Xapo Bank pays up to 1 percent cashback in Bitcoin, Wirex pays 0.5 to 8 percent, and Rebind spends EURe through a Gnosis Pay virtual Visa. Bunq, N26, Wio Bank, ruya, RAKBank and Liv · Emirates NBD pass with an ordinary card on the same account as the crypto tab, and Bank Frick and LHV score partial because their cards are ordinary bank cards. The 20 that fail are mostly institutional: Bitcoin Suisse, Anchorage Digital, BCB Group, SG-FORGE, ClearBank and Zand Bank issue no card at all, Monerium relies on partner cards, DBS and Standard Chartered face MAS rules on crypto card use, and BBVA, PostFinance and Deutsche Bank have no card that spends crypto.
| 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. |
| Bunq | 12/16 | Neobank | Watch | Mixed | Yes for retail through the Kraken-powered bunq Crypto tab, and for licensed CASPs on a fiat-only business account. Coins cannot leave the app. |
| Rebind | 11/16 | Neobank | Watch | Unknown | Yes for euro transfers through a personal Monerium IBAN, but Rebind is an app, not a bank, and it never names exchanges. |
| 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%. |
| Cross River Bank | 8/16 | Business banking | Watch | none | Yes for crypto businesses and fintech partners, which is who the bank is built for. Individuals can bank here too, but get no crypto features. |
| RAKBank | 8/16 | Traditional | Solid | none | Yes. Crypto trading is built into the app, but it is a closed loop run by Bitpanda, and exchange transfer rules are not published. |
| 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. |
| Santander · Openbank | 7/16 | Traditional | Solid | Strict | Yes for buying crypto inside the bank, with a closed loop that is slow and costly to leave, and exchange transfers that vary by country. |
| Liv · Emirates NBD | 7/16 | Neobank | Solid | none | Yes for buying and holding crypto inside the app. Coins stay with the custodian, and there is no published route to an external wallet. |
| N26 | 6/16 | Neobank | Watch | Mixed | Partly. You can buy and sell crypto inside the app through Bitpanda, but nothing moves in or out, and N26 publishes no rule either way on transfers to outside exchanges. |
| Zürcher Kantonalbank | 6/16 | Traditional | Solid | none | Yes for buying and holding crypto inside the bank, but nothing moves in or out. |
| Deutsche Bank | 6/16 | Traditional | Watch | none | Yes for crypto businesses and institutions, not yet for individuals. |
| Wio Bank | 6/16 | Neobank | Solid | none | Yes for buying and selling crypto inside the app. No published policy on transfers to outside exchanges. |
| ruya | 6/16 | Neobank | Unknown | none | Yes for buying and selling Bitcoin inside the app, but it is a closed loop with no withdrawals to your own wallet. |
| Commerzbank | 4/16 | Traditional | Watch | none | Yes for large German corporate clients, no for individuals. |
| Mercury | 4/16 | Business banking | Watch | none | Partly. Crypto startups, DAOs and funds get accounts and can wire to exchanges, but Mercury bans exchanges and MSBs and lists buying or selling crypto through the account as grounds for closure. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Swissquote's debit Mastercard can settle a purchase by selling Bitcoin, Ethereum or XRP from your holdings. Revolut's crypto card, free as a virtual card, spends from a chosen crypto balance with Apple Pay and Google Pay. Sygnum's Visa and Mastercard credit cards settle from crypto or fiat, though the merchant is paid in fiat. Xapo Bank's Visa debit card spends USD and pays cashback in Bitcoin, and Wirex cards pay cashback in USD.
Yes. Bitcoin Suisse has no consumer card, since Bitcoin Suisse Pay is a merchant checkout product. Anchorage Digital, BCB Group, SG-FORGE, ClearBank and Zand Bank are institutional or business providers and issue no card, though Zand sponsors card programmes for other fintechs. Monerium issues no card of its own, but its EURe spends through Gnosis Pay and MetaMask Card.