I. Executive Summary
I’m excited to share an in-depth look into how Switzerland has emerged as a major hub for cryptocurrency services. Leveraging its stellar reputation in wealth management and progressive regulatory frameworks, Swiss banks have successfully integrated cryptocurrency custody and trading into their service offerings. In this guide, I break down the standout players—Sygnum Bank, AMINA Bank (formerly SEBA Bank), Arab Bank Switzerland (ABS), Bitcoin Suisse, PostFinance, and Zürcher Kantonalbank (ZKB)—detailing their innovative solutions for a range of clients from individual investors to large financial institutions.
Each institution emphasizes secure custody, round-the-clock trading, and additional offerings like staking and crypto-backed lending. Their commitment to advanced security protocols and regulatory compliance has built a trusted environment for digital asset investments. This report not only provides a detailed analysis of their services but also sets the stage for understanding the evolving landscape of Swiss crypto finance.
II. Introduction
The global finance landscape is transforming before our eyes as cryptocurrencies steadily establish themselves as a credible asset class. I’ve observed that more investors worldwide are actively seeking ways to include digital assets in their portfolios. With its robust financial infrastructure and long history of adapting to market innovations, Switzerland naturally stands out in this digital revolution.
Swiss banks have long been synonymous with stability, confidentiality, and secure wealth management. This reputation plays a pivotal role as these institutions now extend their expertise to the realm of cryptocurrencies. Their proactive efforts to create a favorable regulatory environment for digital assets not only build trust but also attract international capital and innovation. In this article, I detail how these institutions are addressing investor needs through secure custody solutions, sophisticated trading platforms, and value-added services that ensure both safety and efficiency.
III. Leading Swiss Banks Offering Crypto Custody and Trading
A. Sygnum Bank
Sygnum Bank is a trailblazer in the digital asset arena, drawing on a rich blend of Swiss and Singaporean financial expertise. As the world’s first digital asset bank, its mission is to deliver a complete suite of regulated digital banking services that include asset management and tokenization.
At the core of Sygnum’s offerings is an institutional-grade, multi-level custody solution. I appreciate how the bank stores digital assets off-balance sheet to add an extra layer of protection. Their security infrastructure is impressive—certified against ISAE 3000 and ISAE 3402 standards and enhanced by FIPS-140.2 Level 3 Hardware Security Modules (HSMs), Multi-Party Computation (MPC) technology, and secure data centers in Switzerland. Additionally, their bankruptcy-remote custody ensures that clients’ assets remain secure even in the unlikely event of insolvency.
Sygnum supports custody for over 30 digital tokens, including Bitcoin (BTC), Ethereum (ETH), XRP, and many more. Their trading services are available 24/7 via a user-friendly e-banking portal, API integration, and even direct assistance from a dedicated Trading Desk. They also offer European options and Over-The-Counter (OTC) crypto options for more tailored needs. Beyond trading, Sygnum extends its portfolio with staking services, crypto-backed lending, and even off-exchange custody (Sygnum Protect), positioning itself as a comprehensive digital asset service provider.
B. AMINA Bank (formerly SEBA Bank)
AMINA Bank, which began its journey as SEBA Bank, is renowned for its regulated approach to crypto banking. Being one of the first to secure a Swiss banking license for crypto operations, I find their regulatory foundation incredibly robust. Their diverse suite of banking, trading, and custody services is designed to cater both to crypto-savvy individuals and traditional clients.
They offer secure custody solutions that feature both hot and cold wallet options. I value how AMINA ensures the segregation of digital assets in line with Swiss Federal Law, reducing counterparty risk. Their hot wallets utilize advanced HSM and MPC security measures, while their cold storage operates off-grid with multi-authentication and 24/7 monitoring. Impressively, they offer fee-free custody for USD Coin (USDC) and support over 15 digital assets—including NFTs, Bitcoin (BTC), Ethereum (ETH), and more.
Their trading platform is equally compelling, offering 24/7 access via desktop, mobile apps, and advanced trading interfaces such as AMINA Pro. In addition to trading, AMINA provides staking services, a Stablecoin Rewards Account with quarterly benefits, and investment products like single-coin Exchange Traded Products (ETPs) that appeal to both crypto natives and conventional investors.
C. Arab Bank Switzerland (ABS)
Since 2019, Arab Bank Switzerland has been a pioneer in merging traditional Swiss banking with the dynamic world of digital assets. ABS offers a comprehensive “one-stop crypto shop” that includes both brokerage and custody services.
I admire ABS’s focus on security. They use the Taurus-protect system for on-premises custody that meets Level 3 FIPS standards, along with tamper-resistant hardware, identity-based authentication, and encryption. Their custody services are backed by ISAE 3402 certification, and all assets are held off-balance sheet for added protection. ABS also embraces the emerging field of digital art by offering NFT custody services.
For trading, ABS aggregates liquidity from top exchanges using algorithmic strategies for large orders, ensuring quick and efficient execution. They further enrich their portfolio with loan services secured by BTC or ETH, staking options currently supporting Tezos (with plans for other cryptocurrencies), legacy planning, and a Digital Assets Portfolio Explorer app that provides a real-time, holistic view of digital holdings along with curated news and educational content. ABS’s broad range of services demonstrates their commitment to a full-spectrum digital asset ecosystem.
D. Bitcoin Suisse
Bitcoin Suisse, founded in 2013, is a crypto-native pioneer that I have long respected for its innovation and commitment to institutional-grade services. Their Bitcoin Suisse Vault offers cold storage custody that is rigorously audited by top firms such as PwC and Grant Thornton, and is ISAE 3402 certified. Assets are stored in segregated blockchain addresses with customizable account configurations and multi-signature procedures for extra security.
Their trading platform operates 24/7, covering over 45 cryptocurrencies. Bitcoin Suisse uses proprietary Smart Order Routing technology to secure the best market prices by scanning multiple exchanges. I appreciate that the bank assumes the counterparty risk during trades, enhancing the overall security for its clients.
In addition, Bitcoin Suisse offers staking services, crypto-backed lending, and innovative tools like Bitcoin Suisse Invest, which provides market indices and research reports. Their ongoing commitment to expanding their digital asset range and providing advanced market tools underscores their role as a trusted partner for institutional and professional investors alike.
E. PostFinance
PostFinance, owned by the Swiss government, has been steadily enhancing its crypto service offerings, making significant strides in recent years. Recognized for its innovative approach in 2024, PostFinance brings secure and accessible crypto solutions to a large customer base.
By partnering with Sygnum Bank, PostFinance ensures secure custody of digital assets without requiring customers to manage their own wallets. Since launching cryptocurrency trading in April 2023, PostFinance has made it possible to trade digital assets 24/7 via its e-finance platform and mobile app, with investments available from as little as USD 50.
In January 2025, PostFinance broke new ground by introducing Ether staking—its native staking service on the Ethereum blockchain with a low minimum entry of 0.1 ETH and a fixed 12-week term. This development makes digital asset services more accessible, particularly to retail investors, reinforcing PostFinance’s commitment to innovating within traditional banking frameworks.
F. Zürcher Kantonalbank (ZKB)
Zürcher Kantonalbank (ZKB), one of Switzerland’s most respected and safest banks, entered the cryptocurrency arena in September 2024. As the largest cantonal bank, I find ZKB’s cautious yet significant entry into digital assets noteworthy.
Focusing initially on Bitcoin and Ether, ZKB offers both trading and custody services. Their custom-built custody solution, developed in partnership with Fireblocks, securely manages access credentials so that clients do not need to handle their own wallets. Clients can monitor their crypto holdings through ZKB’s integrated eBanking platform and mobile app. Trading is available 24/7, but currently, the bank’s services are limited to execution-only transactions, with no advisory services or additional features such as staking.
ZKB’s measured approach, emphasizing core functionalities for Bitcoin and Ether, reflects its commitment to safety and simplicity while gradually exploring the broader crypto market.
IV. Comparative Analysis of Key Features
To simplify the comparison of these leading Swiss banks, here’s a table summarizing their main features:
| Feature | Sygnum Bank | AMINA Bank (formerly SEBA) | Arab Bank Switzerland | Bitcoin Suisse | PostFinance | Zürcher Kantonalbank (ZKB) |
|---|---|---|---|---|---|---|
| Custody Cryptocurrencies (Range) | Wide range (>30), including Digital CHF and asset-backed tokens under development | Over 15, including BTC, ETH, USDC, ADA, DOT, SOL, AVAX, and NFTs | Layer 1 & ERC-20 tokens, including BTC, ETH, and NFT custody | Wide range (>45), continuously expanding | Limited (not specified in detail) | BTC, ETH |
| Trading Cryptocurrencies (Range) | Over 30 against USD, CHF, EUR, SGD | BTC, ETH, and selected altcoins like SOL and DOT | Layer 1 & ERC-20 tokens | Over 45 | Clear range (not specified in detail) | BTC, ETH |
| Custody Security | Multi-level, certified (ISAE 3000, 3402), FIPS-140.2 HSMs, MPC, off-balance sheet, bankruptcy-remote | Hot & cold wallets, HSM, MPC, off-grid cold storage, multi-authentication, 24/7 monitoring, comprehensive insurance, fee-free USDC custody | Taurus-protect on-premises (Level 3 FIPS), tamper-resistant, identity-based authentication, key encryption, off-balance sheet | Cold storage via Bitcoin Suisse Vault, audited by PwC and Grant Thornton, penetration-tested, multi-sig, separated blockchain addresses | High security standards in Switzerland, custody managed by the bank | Own solution developed with Fireblocks, secure storage of access credentials |
| Trading Platform | 24/7 access via e-banking portal, API integration, dedicated Trading Desk, OTC options | 24/7 access via desktop, mobile app (iOS/Android), AMINA Pro, FIX API integration, and direct trading desk | Aggregates liquidity from major exchanges using algorithmic execution | 24/7 access via online platform and mobile app with Smart Order Routing | 24/7 trading via e-finance and PostFinance App | 24/7 trading through eBanking and mobile app |
| Staking Services | Integrated staking services | Offers staking on select cryptocurrencies | Custodial staking services currently available, with future expansion planned | Offers staking services | Ether staking introduced in January 2025 | Not available |
| Lending Services | Crypto-backed lending | Implied lending services | Loans secured by BTC or ETH | Crypto-backed lending options | Not offered | Not available |
| Unique Advantages | First digital asset bank, tokenization expertise, Sygnum Protect (off-exchange custody), comprehensive B2B solutions | Fee-free USDC custody, NFT custody, innovative ETPs, and “Crypto as a Service” offerings | Early market entry, robust security certifications, Digital Assets Portfolio Explorer, and legacy planning for digital assets | Crypto-native pioneer with Bitcoin Suisse Invest, proprietary research, and payment processing solutions | Government-owned with broad retail access | Second safest bank globally (2023), streamlined execution-only services with emphasis on user simplicity |
This comparative overview clearly illustrates the strengths and specializations of each institution, helping investors determine which provider aligns best with their specific digital asset needs.
V. Recent Developments and Trends
The Swiss cryptocurrency banking landscape is evolving rapidly. For instance, in January 2025, PostFinance expanded its offerings with the launch of Ether staking, demonstrating the strong retail demand for innovative crypto services. Similarly, Sygnum Bank has enhanced its off-exchange custody platform—Sygnum Protect—by incorporating support for Deribit, the world’s largest crypto derivatives exchange, to better serve institutional traders.
Meanwhile, Zürcher Kantonalbank’s entry into the crypto market in September 2024 underscored the willingness of traditional banks to embrace digital assets, albeit in a measured, execution-only format. AMINA Bank, keeping its competitive edge, removed custody fees for USDC in early 2025, making it even more attractive to stablecoin users. Bitcoin Suisse has also been agile, expanding its digital asset range by including emerging tokens like RED, BERA, TON, and others in March 2025.
Despite these advancements, there remains some caution in the market. For example, the Swiss National Bank’s President voiced concerns in March 2025 about including Bitcoin in the country’s reserve assets due to volatility and liquidity risks. This caution was contrasted by a citizen-led initiative in December 2024 aimed at a national referendum to consider Bitcoin as a reserve asset. A study by the University of St. Gallen further revealed that over 60% of Swiss banks are actively exploring cryptocurrency projects, with half prioritizing expansion, highlighting the strong momentum in this sector.
VI. Conclusion and Recommendations
In my view, the Swiss banking sector is clearly embracing the future of finance by integrating cryptocurrency services. Institutions like Sygnum Bank and AMINA Bank lead the way with innovative custody and trading solutions, while ABS and Bitcoin Suisse continue to push the envelope with comprehensive, tech-driven offerings. Traditional giants such as PostFinance and Zürcher Kantonalbank are not far behind, proving that even established banks can adapt to the digital age.
The diversity in service offerings—from extensive crypto portfolios and advanced security features to accessible trading platforms and added functionalities like staking—provides investors with multiple avenues to participate in the growing digital asset market. As always, I recommend that investors perform thorough due diligence, considering factors such as asset range, fee structures, platform usability, and security protocols to ensure their chosen provider aligns with their investment strategy and risk tolerance.
If you are interested in opening a Swiss bank account, at Mamytova Consulting we will be glad to assist you and help you to find an institution that meets your required services.
