Banks in this set hold your coins and give you a card, which is what most people mean when they ask for a bank account with crypto in it. Sygnum, AMINA Bank and Swissquote lead at 15 of 16, Xapo Bank, Wirex and Revolut follow with cards that pay Bitcoin cashback or spend from a crypto balance, and the rest are app-banks where a partner holds the coins and the card is an ordinary debit card: bunq (Kraken), N26 (Bitpanda), RAKBank (Bitpanda), Liv (Zodia Custody), Wio Bank and ruya (Fuze), plus LHV, whose coins cannot leave the bank. Singapore Gulf Bank and Bank Frick pass with a partial card score, SGB because its pages list no card and Bank Frick because its Debit Mastercard appears only in the fee schedule. Bitcoin Suisse, Anchorage Digital, BCB Group, Zand Bank, SG-FORGE, DBS, Standard Chartered and Custodia Bank fail the card test because they issue no card, PostFinance, Santander Openbank and the Swiss cantonal banks issue ordinary debit cards and still fail it, as do BBVA, Raiffeisen NÖ-Wien and Deutsche Bank, which say outright that nothing they issue spends crypto, and Monerium, ClearBank, Cross River Bank, Mercury and Rebind fail custody because they hold no crypto for clients.
| 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. |
| 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%. |
| 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. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Revolut is the simplest: its crypto card, free as a virtual card, spends directly from a chosen crypto balance and works with Apple Pay and Google Pay, with the coins held under its UK and EEA crypto licences. Swissquote holds crypto off its balance sheet and its debit Mastercard can settle a purchase by selling Bitcoin, Ethereum or XRP. Xapo Bank holds Bitcoin 1:1 with MPC key sharding and pays up to 1% cashback in Bitcoin on a card with no FX markup. Sygnum and AMINA Bank do the same for qualified and professional clients with Viseca credit cards.
No, and that is why they score partial on custody. bunq's trading and custody run through Kraken, N26's coins sit in a Bitpanda GmbH cold wallet in Austria and the customer never sees the private keys, RAKBank's custody is with Bitpanda at no charge, Liv's coins are held by Zodia Custody, and Wio Bank and ruya hold Bitcoin through Fuze. Their cards are ordinary Mastercard or Visa debit cards that spend the fiat balance, and none of the six lets you withdraw coins to your own wallet, which matters if the bank ever drops the service: RAKBank's terms say you must liquidate, and bunq sells any crypto left when an account is terminated.