"Which crypto app is best?" The honest answer: the one that fits what you want to do. Someone buying CHF 500 of bitcoin once a year who wants nothing to do with keys needs something different from someone saving every month who wants to hold coins themselves – or from someone who wants to trade solana, XRP and dogecoin.
This page sorts the apps open to people living in Switzerland into five groups, compares fees, coin selection and franc deposits, and explains which security settings and permissions really matter. If you have moved here from abroad, note that familiar names such as Coinbase and Crypto.com work differently for Swiss residents than at home. All figures come from the providers' own price lists; where we could not confirm something, we say so.
Five kinds of crypto app
- Bank apps: PostFinance, ZKB, Swissquote and its subsidiary Yuh sell crypto straight from your franc account. Convenient, but the coins usually stay with the bank.
- Neobank: Revolut offers crypto next to its franc account, provided through a Cyprus company.
- Bitcoin savings apps: Relai in Zurich and Pocket in Lupfig, Aargau, sell bitcoin only and send it straight to your own wallet. DFX in Zug works the same way, with about 80 coins.
- Exchange apps with many coins: CEX.IO, SwissBorg, Bitpanda, Kraken, Coinbase and Crypto.com. Hundreds of coins, sometimes staking; the coins stay with the provider.
- Wallet apps: Bridge Wallet from Geneva-based Mt Pelerin and the BitBoxApp from Shift Crypto in Adliswil. They manage your own keys; buying is an add-on.
Fees, coins and francs compared
| App | Fee per purchase | Coins | Franc deposits | Keys held by |
|---|---|---|---|---|
| CEX.IO | spot 0.15–0.25% | 200–300+ | provider | |
| PostFinance | 0.95% + 0.15% a year | 22 | bank | |
| Swissquote | 1% (standard) | 55 | bank | |
| Yuh | 1%, from CHF 10 | 50 | bank | |
| Revolut | 1.49% (Standard) | not confirmed | provider | |
| Relai | 1%, from CHF 50 | bitcoin only | you | |
| 1.5%, no minimum | bitcoin only | you | ||
| DFX | 1.49% | 80+ | you | |
| SwissBorg | 0.99% | about 400 | via SWIFT only | provider |
| Bitpanda | 0–2.49%, bitcoin 0.99% | 650+ | provider | |
| Kraken | app 1–1.5%, Pro 0.40–0.80% | 600+ pairs | provider | |
| Bridge Wallet | 0% up to CHF 500 a year, then 1.3% | about 30 | you |
The fee per purchase is not the whole story. Add the The gap between the price you buy at and the market price. It is a hidden cost., the cost of funding and any annual custody fees. An example with CHF 300, as in the calculator at the top: in the PostFinance app the purchase costs CHF 2.85, at Relai CHF 3, at Revolut on the Standard plan CHF 4.47. Hold CHF 300 at PostFinance for a year and 45 centimes of custody fee are added – with larger sums over several years that becomes a noticeable item.
Bank apps: crypto next to your salary account
PostFinance has sold crypto in e-finance and its app since February 2024, with 22 coins since February 2026. Trading runs around the clock, for 0.95% from USD 50 per order, plus a custody fee of 0.15% a year. Transfers to your own wallet are not possible. Details in PostFinance crypto.
Swissquote, a FINMA-supervised bank based in Gland, offers 55 cryptocurrencies. On the standard tariff a trade costs 1%, less at high monthly volumes. Coins can be sent to your own wallet for USD 10–15; ether, polkadot, solana and cardano can be staked in exchange for 20% of the rewards. The custody fee of CHF 20–50 per quarter applies to the whole account (Swissquote review).
Yuh, wholly owned by Swissquote since July 2025, offers 50 tokens from CHF 10 at 1% per trade, with no custody fee; holdings are kept at Swissquote. Yuh does not publish a full coin list on its crypto page, nor does it say there whether transfers to external wallets are possible (Yuh review). ZKB and other cantonal banks are compared in crypto banks in Switzerland.
Neobank: Revolut
Many expats already have Revolut before they open a Swiss bank account. Revolut gives Swiss customers a franc account, but crypto is provided by Revolut Digital Assets Europe Ltd in Cyprus. On the Standard and Plus plans a trade costs 1.49% and, below €200, at least a fixed fee of between €0.99 and €2.99. Premium and Metal pay 0.99%. Revolut removed the USDT stablecoin for Swiss customers at the end of August 2026. For occasional purchases the app is handy; for a savings plan, the minimum fees weigh on small amounts (Revolut review).
Bitcoin savings apps: Relai, Pocket, DFX
These apps sell you bitcoin and send it straight to a wallet whose keys only you hold – You keep your coins yourself and control the private keys; no provider can freeze or lose them. without a detour.
Relai in Zurich belongs to the VQF and charges 1% (0.9% with a referral code), with a CHF 50 minimum per purchase. One CHF 100 savings-plan purchase per month is free of the service fee. Card and Apple Pay cost 3% more, and Swiss accounts have a limit of CHF 100,000 over 365 days (Relai review).
Pocket in Lupfig, also a VQF member, only accepts bank transfers, standing orders included, and converts each incoming payment into bitcoin for 1.5% with no minimum amount; payouts can also go via Lightning (Pocket review).
DFX in Zug, a VQF member, offers about 80 coins and charges private individuals 1.49% to buy and 1.99% to sell. You pay by bank transfer in francs or euros, with verification from CHF 1,000.
Exchange apps with many coins
CEX.IO has operated since 2013 and, depending on which of its own pages you read, lists 200 to more than 300 crypto assets, with spot fees from 0.15% (maker) and 0.25% (taker). Francs are not offered; you deposit in dollars, euros or pounds, by card, Apple Pay, Google Pay or transfer. Swiss customers contract with CEX OVRS LLC in Nevis; group entities are registered in the US (FinCEN) and the UK (FCA), but there is no Swiss authorisation (CEX.IO review).
SwissBorg is headquartered in Lausanne, but Swiss customers contract with the French company BlockNodes SAS, authorised under MiCA by the AMF. Exchanges cost a flat 0.99%, part of which flows back as BORG tokens depending on your rank. About 400 coins are available. Francs, however, only arrive via SWIFT, and card top-ups cost 4.5% (SwissBorg review).
Bitpanda in Vienna, authorised under MiCA by Austria's FMA, accepts francs from CHF 10 and allows purchases from CHF 1.50. The fee is built into the price – between 0% and 2.49% according to Bitpanda, 0.99% for bitcoin. Payment provider wallee names PostFinance Pay as a franc payment method. Which Bitpanda entity contracts with Swiss customers is not public (Bitpanda review).
Kraken accepts francs via SIC from CHF 1 free of charge. In the simple app a purchase costs 1–1.5% plus the spread; on Kraken Pro it is 0.40% as maker and 0.80% as taker. Switzerland is not named in the global terms; following their logic, the contracting party would be Payward Trading Ltd in the British Virgin Islands (Kraken review).
Coinbase lists Switzerland among its supported markets, but we could not confirm franc deposits (Coinbase review). Crypto.com gives Swiss residents a euro account only, and its Crypto Earn yield product is closed to people living in Switzerland (Crypto.com review).
Wallet apps: Bridge Wallet and BitBoxApp
Bridge Wallet from Mt Pelerin in Geneva, a member of SO-FIT, is a wallet with a buy function. By SIC transfer the first CHF 500 each year carry no commission, then 1.3% and less; cards cost 2.5–3.8%. About 30 tokens are available, including the franc stablecoin ZCHF, but not solana, XRP or dogecoin (Mt Pelerin review).
The BitBoxApp is the open-source companion app for the BitBox02 hardware wallet from Shift Crypto in Adliswil. The keys stay on the device; the app shows balances and prepares transactions (BitBox review). For larger savings the advantage is clear: the keys are not on your smartphone.
Picked an app? Open an account, get verified and start with a franc bank transfer – no card surcharge.
Operating since 2013Group registered with FinCEN (US) and the FCA (UK)
Choose by need, not by stars
App Store ratings say a lot about design and support, little about costs and risks. These questions help more:
- Do you just want some bitcoin next to your account? Your bank's app is the obvious choice – PostFinance, ZKB or Yuh. No new login, and the coins sit in your portfolio alongside your other investments.
- Do you want to save monthly and hold your own keys? Relai with its fee-free CHF 100 purchase each month, or Pocket with no minimum amount. Both require you to keep your recovery words safe.
- Do you want many coins, altcoins or staking? SwissBorg, Bitpanda, Kraken or Swissquote. Check how francs reach the platform.
- Do you want to trade larger amounts cheaply? Kraken Pro or Swissquote's volume tiers, which go down to 0.08% at very high volumes. Beyond six figures, OTC trading is worth a look.
Whatever you choose, an account funded by franc bank transfer is cheaper than any card payment, because card surcharges run from 2.5% to 4.5%.
Security settings to switch on straight away
A large share of the risk lies not with the provider but with your own access: hijacked logins, phishing, fake apps. Five minutes in the settings close the biggest gaps:
- Turn on two-factor login with an authenticator app or a security key, not SMS.
- Enable the app lock with fingerprint, face recognition or PIN.
- Set up a list of approved withdrawal addresses where the provider offers it, ideally with a waiting period for new addresses.
- Use a long, unique password for this account only, stored in a password manager.
- For self-custody apps, write the recovery words down offline on paper or metal – never photograph them, never store them in the cloud.
- Only download apps via the link on the provider's official website, and check the developer name in the store.
Two-factor authentication: besides your password you need a second proof, such as a code generated by an app on your phone. by SMS is better than nothing but vulnerable to SIM-swap fraud. A withdrawal A list of addresses your account is allowed to send coins to. New addresses are only enabled after confirmation or a waiting period. is the most effective brake if someone does get into your account. And the 12 or 24 words that fully restore a wallet. Whoever knows them owns the coins. of a wallet app is never given to anyone who calls or messages you – no legitimate support team will ask for it.
Permissions: what a crypto app actually needs
A crypto app needs camera access for identity verification and scanning QR codes, notifications for confirmations and price alerts, and biometric unlock. Contacts, permanent location, reading your SMS or recording your screen are not needed to buy bitcoin. If an app asks for these rights, ask yourself why.
Android's accessibility services deserve particular caution: malware abuses them to read what you type and tap confirmations on its own. Do not grant this right to any app you do not know well. And never install remote-support software because a caller tells you to – it is a well-known way for fraudsters to empty accounts. More in crypto scams in Switzerland.
Who supervises the apps?
Status varies widely. PostFinance, Swissquote and ZKB are banks supervised by FINMA. Relai, Pocket and DFX belong to the VQF, Mt Pelerin to SO-FIT – supervision of anti-money-laundering duties, not of capital or solvency. SwissBorg, Bitpanda, Revolut and Crypto.com operate under authorisations from the EU's MiCA regulation, which does not apply in Switzerland; what counts is the entity you actually contract with. CEX.IO serves Swiss customers through a Nevis company that names no supervisor. What these differences mean is explained in FINMA crypto regulation.
