A stablecoin off-ramp means you can turn USDC, USDT or a euro token back into money in your account, and 32 of the 36 banks pass. The full-score group includes the Swiss and Liechtenstein banks (Sygnum, AMINA Bank, Swissquote, Bitcoin Suisse, Bank Frick), the on-chain rails (Wirex, Monerium, Rebind, Xapo Bank, Singapore Gulf Bank), the institutional issuers and custodians (Anchorage Digital, SG-FORGE, BCB Group, Zand Bank) and Revolut, which converts USD to USDC at 1:1 though USDT left the EEA in August 2026. Partial scores cover banks that sell a stablecoin in-app but take none from outside, such as PostFinance and Luzerner Kantonalbank with USDC, RAKBank with USDT, and DBS with USDC and RLUSD for accredited investors, plus US rails like Cross River Bank where incoming USDC lands as dollars for business clients. Four fail: LHV offers no e-money tokens under MiCA, Commerzbank custodies bitcoin and ether alone, ruya names Bitcoin and nothing else, and N26 does not offer stablecoins.
| 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. |
| Anchorage Digital | 12/16 | Crypto-native | Solid | none | Yes for institutions, no for individuals. |
| 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. |
| Bitcoin Suisse | 11/16 | Crypto-native | Solid | none | Yes, for people with CHF 50,000 or more. It is a crypto broker and custodian, not a deposit bank. |
| 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. |
| Singapore Gulf Bank | 10/16 | Crypto-native | Unknown | none | Yes. Built for crypto firms, with a USD personal account that plugs straight into Binance Bahrain. |
| Monerium | 10/16 | Business banking | Solid | Strict | Yes. Monerium is built for moving euros between bank rails and your own wallet, but its terms ban using the IBAN for P2P crypto platforms. |
| BCB Group | 10/16 | Business banking | Watch | none | Yes for crypto businesses and institutions, no for individuals. BCB is a payments and settlement provider, not a 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%. |
| Standard Chartered | 8/16 | Traditional | Watch | none | Yes for institutions, through spot trading, custody and stablecoins. Retail customers get little beyond the Mox app in Hong Kong. |
| 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. |
| Zand Bank | 8/16 | Business banking | Solid | none | Yes for licensed businesses and institutions, no for individuals. |
| 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. |
| SG-FORGE | 7/16 | Traditional | Solid | none | Yes for institutions and crypto firms, no for individuals. SG-FORGE is a stablecoin issuer and custodian, not a retail bank. |
| DBS | 7/16 | Traditional | Solid | none | Yes for accredited and institutional investors, with a closed loop. Ordinary retail customers get bank rails to licensed exchanges but no crypto trading at DBS. |
| 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. |
| ClearBank | 7/16 | Business banking | Solid | none | Yes for regulated crypto businesses, no for individuals. |
| Deutsche Bank | 6/16 | Traditional | Watch | none | Yes for crypto businesses and institutions, not yet for individuals. |
| Custodia Bank | 3/16 | Crypto-native | Caution | none | Not really. Custodia is a chartered Wyoming bank, but today it sells blockchain infrastructure to other banks and publishes no customer account, no fiat rail and no exchange transfer service. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Wirex converts USDC, USDT and EURC top-ups 1:1 into a USD or EUR balance with no spread, then pays out by SEPA or Faster Payments. Xapo Bank takes USDC on Ethereum or Solana and USDT on Ethereum or Tron and converts to USD on arrival. Monerium and Rebind burn EURe back to euros on any SEPA IBAN. Luzerner Kantonalbank accepts USDC and USDT from a wallet you control, from CHF 5,000, and sells it into your CHF account with no FX fee.
Yes, at the institutional end. SG-FORGE redeems EURCV and USDCV at par for onboarded institutions, or through Bitstamp for EU residents. ClearBank mints and redeems EURC and USDC through Circle Mint for regulated firms in Europe, Cross River Bank does the same for USDC in the US, and Singapore Gulf Bank mints and redeems USDC on Solana with a USD 100,000 minimum. Zand Bank redeems AEDZ, USDT and USDC against an AED business account.