"Does my Swiss bank sell bitcoin?" Five years ago the answer was nearly always no. Today PostFinance, several cantonal banks, Swissquote and Yuh sell cryptocurrencies inside ordinary e-banking. Raiffeisen and UBS are still holding back, and one cantonal bank has gone the other way and shut crypto flows out of its accounts altogether.
For many expats, the bank route is tempting: no extra KYC with a foreign app, no new password, and the coins sit in the same portfolio as your shares and funds. The catch is not only the fee. At most banks your coins stay exactly where you bought them – sending them to a wallet you control is not on the menu. This page goes bank by bank: what works, what it costs, and what we could not verify despite trying.
Three kinds of "crypto bank"
Searching for "crypto bank Switzerland" turns up three very different things:
- Universal banks with crypto in e-banking: PostFinance and a group of cantonal banks. Most buy in the technology – PostFinance, Zuger KB and BancaStato from Sygnum Bank, ZKB from Crypto Finance AG, part of Deutsche Börse.
- Online banks and brokers: Swissquote and its subsidiary Yuh. More coins and, at Swissquote, withdrawals to external wallets.
- Specialist crypto banks: Sygnum and AMINA (formerly SEBA). Both hold a full FINMA banking licence but serve wealthy and professional clients.
Swiss banks that sell crypto, compared
| Bank | Coins | Trading fee | To own wallet | Custody |
|---|---|---|---|---|
| PostFinance | 22 | 0.95% | 0.15% p.a. | |
| ZKB | 4 | 1.00% | 0.50% p.a. | |
| Zuger KB | 9 | 1.30% up to CHF 50k | 0.60% p.a. | |
| LUKB | 9 incl. USDT | 1.80% up to CHF 10k | CHF 80 per transfer | 0.60% p.a. |
| BancaStato | 4 | not published | not confirmed | not published |
| Swissquote | 55 | 1.00% (standard) | USD 10–15 | CHF 20–50 per quarter |
| Yuh | 50 | 1% | not confirmed | none |
PostFinance
PostFinance has sold crypto since 21 February 2024, with Sygnum Bank as its technology provider. Since February 2026 the range covers 22 coins, including bitcoin, ether, XRP, Solana, Cardano and the A cryptocurrency pegged to a conventional currency – here the US dollar – to keep its value stable. USDC; USDT and Dogecoin are not offered. Trading costs 0.95%, falling to 0.75% from USD 250,000 of volume and 0.55% from USD 1 million. On top comes a portfolio fee of 0.15% a year plus VAT. The minimum order is USD 50, a savings plan starts at USD 50, and ether can be put into Locking coins on the network to help validate transactions in return for rewards. Taxable as income in Switzerland. from 0.1 ETH.
To qualify you need a PostFinance account, Swiss tax domicile and a Swiss ID or passport or a B, C or C1 permit; US persons are excluded. The small print of the product description says transfers – sending and receiving – are "not currently available". Full details in our PostFinance crypto guide.
Zürcher Kantonalbank and Thurgauer Kantonalbank
ZKB has offered crypto in e-banking and its mobile app since 4 September 2024, around the clock, with orders executed through Crypto Finance AG. The product page now lists bitcoin, ether, Solana and Chainlink. Under ZKB's price list, an online order costs 1.00% up to CHF 250,000 and 0.75% above, with a CHF 10 minimum; by phone or letter it is twice that. Custody costs 0.50% a year, at least CHF 5 a month.
Purchases are always settled in US dollars. You need a securities account with an Orders executed without advice: the bank does not check whether the investment suits you. agreement plus a separate crypto agreement. ZKB says transfers in or out are not possible, and staking is not offered. Thurgauer Kantonalbank has used the ZKB service for bitcoin and ether since the same day, also in dollars. More on the city in crypto in Zurich.
Zuger Kantonalbank
Zuger KB became the first cantonal bank to offer crypto trading on 2 October 2023, via Sygnum’s platform. Its current brochure lists nine coins: bitcoin, ether, Avalanche, Cardano, Litecoin, Polygon, XRP, Solana and Uniswap. Fees start at 1.30% up to CHF 50,000 and step down to 0.70% from CHF 300,000. Custody costs 0.60% a year up to CHF 3 million, plus VAT. The minimum order is USD 200, and orders are executed Monday to Friday, 01:30 to 22:00.
Coins are held in an A pooled wallet in which a financial institution holds many clients’ coins together; ownership is tracked in the bank’s books., and transfers to or from your own wallet are "currently not possible". Background on the region: Crypto Valley Zug.
Luzerner Kantonalbank
LUKB is the exception among cantonal banks. It holds clients’ coins in its own custody and allows transfers: a withdrawal costs CHF 80 per coin and transfer, for at least CHF 1,000. Deposits are free but only from CHF 5,000 per coin. The range covers nine coins, including the stablecoins USDT and USDC.
It is not cheap: 1.80% up to CHF 10,000, 1.55% up to CHF 50,000 and 1.00% from CHF 100,000, plus 0.60% a year in custody. LUKB says it charges no FX fee on the dollar leg. Since September 2025 it has also offered a A loan secured by assets you pledge – here bitcoin or ether – instead of selling them. against bitcoin and ether. More in crypto in Lucerne.
BancaStato and St.Galler Kantonalbank
Ticino’s BancaStato launched bitcoin, ether, Litecoin and Solana trading in July 2026, again through Sygnum and integrated with the Avaloq banking software. The bank says the service is only for clients resident in Switzerland. We could not find fees or transfer rules in public documents.
St.Galler Kantonalbank started bitcoin and ether trading with SEBA (now AMINA) in November 2023, initially for selected clients. We found no current product page on sgkb.ch.
Swissquote and Yuh
Swissquote, a FINMA-licensed bank based in Gland, lists 55 cryptocurrencies. At the standard tier a trade costs 1.00%, and coins can move in and out: withdrawals cost USD 10 or 15 depending on the coin, deposits are free from USD 500. The custody fee of CHF 20–50 a quarter applies to the whole account. See our Swissquote review.
Yuh has been wholly owned by Swissquote since July 2025. The app offers 50 tokens from CHF 10, with a 1% fee per trade and no custody fee listed. The pages we checked do not say whether you can send coins to an external wallet.
UBS, Raiffeisen, Revolut and the rest
UBS: we found no direct bitcoin offer for ordinary retail clients. BeInCrypto reported that UBS has traded bitcoin and ether for selected private-banking clients since January 2026; we found no confirmation from UBS itself.
Raiffeisen: no direct crypto trading in e-banking. Since April 2026, however, cryptocurrencies are an optional focus theme in the digital wealth management service Raiffeisen Rio, weighted at 5% of invested capital, from CHF 500. The announcement does not explain how the exposure is implemented.
BCV, BCGE, BEKB, Migros Bank: we found no direct crypto trading, though we could not confirm the absence at every bank. Basler Kantonalbank announced a crypto offer via Bank Cler in 2020; it never launched.
Revolut is popular with expats but is not a Swiss bank: Swiss customers are served by Revolut Bank UAB in Lithuania, crypto comes from a Cyprus entity, and USDT was removed for Swiss customers at the end of August 2026. Revolut applied for a FINMA banking licence in September 2026. Details in our Revolut review.
At almost any bank with a securities account you can buy crypto Exchange Traded Product: a listed security that tracks the price of a cryptocurrency and is bought like a share. listed on SIX instead; the order screen shows whether your bank allows them. See crypto ETPs in Switzerland.
The crypto banks: Sygnum and AMINA
On 26 August 2019 FINMA granted banking and securities dealer licences to SEBA Crypto AG in Zug and Sygnum AG in Zurich – a world first for pure crypto banks.
Sygnum is best known as the engine behind other banks: buy crypto at PostFinance, Zuger KB or BancaStato and Sygnum is working in the background. To become a direct client, private individuals need at least CHF 100,000 according to publicly available extracts of its price list; we could not access the website itself.
AMINA Bank (SEBA until 2023), based in Zug, says it may only serve professional clients: assets of at least CHF 500,000 plus relevant knowledge, or at least CHF 2 million, excluding property and pensions. There is no minimum deposit. Services include trading, custody, staking, loans and credit cards.
Bitcoin Suisse in Zug is not a bank: it dropped its banking plans in January 2024, according to Netzwoche. For six- or seven-figure tickets, see crypto OTC in Switzerland.
Convenient, but not your keys
Buying through a bank means you hold a claim against the bank, not coins in the technical sense. The private keys sit with the bank or its technology provider. That has upsides: you cannot lose a password or recovery words, your heirs will find the coins on the portfolio statement, and you get a tax summary – PostFinance, for example, issues an annual overview.
The downsides depend on your goals. Without transfers you cannot pay in bitcoin, use Lightning or switch to a cheaper provider without selling. Since the 2021 DLT law, crypto assets can in principle be segregated in a Swiss bank failure, though Yuh itself notes that case law is thin. Real You hold the coins yourself and control the private keys, for example on a hardware wallet. is explained in our crypto wallet guide.
When your bank pushes back
At the other extreme, Banque Cantonale Neuchâteloise announced in January 2024 that from June 2024 it would no longer handle crypto trading flows through its accounts, citing the workload of checks and the higher money-laundering risk. Most banks are less radical. But when a large sum arrives from an exchange, Swiss anti-money-laundering law requires the bank to establish the background. Have these ready:
- Exchange or app statements in your own name
- Proof of the original purchases, such as bank statements of your deposits
- A transaction list with wallet addresses if the coins passed through your own wallet
- Swiss tax returns in which the coins appear in the securities list
- For large amounts: tell the bank in advance and send the documents with it
How to turn crypto back into francs and which source-of-funds evidence is usual is covered in cashing out crypto in Switzerland.
Bank or exchange?
A bank suits you if you want a small slice of your wealth in bitcoin or ether without handling keys, and value the single portfolio view more than the fee. For small amounts PostFinance is the cheapest in this comparison; only LUKB and Swissquote let you withdraw to your own wallet.
An exchange or app suits you if you want more coins, a fee that is not tied to a custody account, or your own wallet. CEX.IO has operated since 2013, with group entities registered in the US (FinCEN) and the UK (FCA); Swiss residents, however, contract with a company in Nevis, and CHF is not offered. Kraken accepts francs by SIC transfer free of charge, and Zurich-based Relai sells bitcoin only, for 1%, straight into your own wallet. The step-by-step is in buying crypto by bank transfer.
Prefer to hold coins yourself rather than pay a bank’s custody fee? An online account takes a few minutes to open.
Operating since 2013Group registered with FinCEN (US) and the FCA (UK)
