Nine banks pay yield on crypto and hand you a card, and they split between Swiss banks for qualified investors and fintech apps. Sygnum, AMINA Bank and Swissquote lead at 15 of 16 with on-chain staking and Swiss cards, Revolut stakes 16 tokens and spends from a crypto card, and Rebind passes in full as a non-custodial app that places EURe, EURC, USDC or USDT in Aave, Morpho and Fluid for up to 5% on euros and 8% on dollars, with a virtual Visa through Gnosis Pay. Xapo Bank, Wirex and Singapore Gulf Bank pass on a partial yield score (interest paid in Bitcoin, Earn accounts with no compensation cover, and USD fixed deposits with no crypto yield), and Bank Frick scores partial on the card because its Debit Mastercard appears only in the fee schedule. PostFinance stakes Ethereum and Bitcoin Suisse stakes ETH, SOL, DOT and ADA, but PostFinance fails the card test and Bitcoin Suisse issues no card of any kind, Anchorage Digital and Standard Chartered stake for institutions with no card either, the closed-loop retail apps in Switzerland, Spain, Austria and the UAE go the other way with cards but no staking, and LHV plans staking only after its 2026 MiCA licence.
| 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. |
| 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 at an advertised rate of up to 22% APY and its free virtual crypto card spends directly from a chosen crypto balance. Swissquote stakes ETH, DOT, SOL and ADA, keeps 20% of rewards, and its debit Mastercard settles by selling Bitcoin, Ethereum or XRP. Sygnum and AMINA Bank stake seven or eight assets each and issue Viseca credit cards, but only to qualified or professional clients, and AMINA's cards need the Gold or Platinum package. Rebind is the non-bank option, with DeFi yield and a Gnosis Pay virtual Visa spending EURe.
It varies, which is why some score partial. Sygnum, AMINA Bank, Swissquote, Bank Frick and Revolut run on-chain staking on proof of stake assets. Xapo Bank pays 3.35% variable on USD and 0.25% on Bitcoin as daily interest paid in Bitcoin, which is a savings rate, not staking. Wirex Earn takes stablecoins and crypto on flexible or fixed terms at up to 9.75% APY with no compensation scheme cover, Singapore Gulf Bank's 4.00% is a USD fixed deposit with no crypto yield at all, and Rebind's 5% to 8% comes from DeFi money markets where the terms warn of partial or total capital loss.