What is the key difference between a regulated crypto bank and a crypto exchange?

A crypto bank holds a FINMA banking license, offers wealth management, and follows strict compliance. Client assets are segregated and off-balance sheet, enhancing bankruptcy protection compared to exchanges.

Can I open an account in a Swiss crypto bank remotely?

Yes, most banks allow video identification for initial onboarding. Some higher-risk profiles may require an in-person visit or a notarized power of attorney, depending on bank policy and risk assessment.

What is the minimum amount to open an account?

Typical minimums: CHF 500,000–1,000,000 for private banking. Basic custody may be lower. SEBA and Sygnum often start from CHF 500,000; large private banks may require CHF 1,000,000. Check with the institution.

Does Switzerland still guarantee banking secrecy?

Not for tax matters. Switzerland participates in AEOI/CRS, sharing data with tax authorities. Domestic confidentiality remains strong, except for criminal investigations or authorized requests.

What fees are charged for services?

Typical fees: management ~1% p.a., custody 0.01%–0.5% monthly, trading 0.1%–0.5% per transaction, plus blockchain network fees passed through. Full tariffs are disclosed per FINMA transparency rules.

Are crypto assets insured in Swiss banks?

Fiat deposits are insured by esisuisse up to CHF 100,000 per client per bank. Crypto assets are not deposit-insured but are segregated, off-balance sheet, and held in bankruptcy-remote custody structures.

What happens if a custodian goes bankrupt?

Client digital assets are segregated from the custodian’s balance sheet and are not part of the bankruptcy estate. They can be returned to clients under FINMA rules and Swiss custody protections.

When is in-person presence needed for remote onboarding?

Banks may require in-person presence for PEPs, complex ownership structures, higher-risk profiles, or prior issues. Sometimes a notarized power of attorney is accepted. Policies vary by institution.

How are crypto assets taxed in Switzerland?

Private individuals’ capital gains are generally tax-exempt if not professional. Staking rewards, mining, or professional trading are taxable as income. Crypto is subject to wealth tax. Rules vary by canton.

What is the AEOI/CRS and how does it affect my account?

AEOI/CRS is an OECD standard for annual automatic exchange of account data. Banks identify tax residencies and report balances and income to local authorities, who share with the client’s tax-residence country.

Which cryptocurrencies and fiat currencies are supported?

Typically BTC, ETH, USDC, USDT, plus tokens like LTC, XLM, ADA, SOL, POL. Fiat commonly includes CHF, EUR, USD. Exact availability varies by institution; confirm current lists with your bank.

What are the typical reasons for account application rejection?

Unclear source of funds, high-risk/sanctioned jurisdictions, PEP status without adequate due diligence, prior banking issues, prohibited industries, insufficient minimum deposit, or incomplete KYC/AML.

How does Switzerland compare to other crypto banking jurisdictions?

Switzerland offers clear FINMA rules, CHF stability, strong privacy, integration with private banking, and a mature Crypto Valley ecosystem. Minimums and compliance can be higher than in some alternatives.

20.12.2025 • 12 min read

Cryptobanking in Switzerland: complete guide to managing digital and traditional assets in 2026

Switzerland has established itself as the global leader in regulated cryptobanking, combining centuries-old financial stability with cutting-edge blockchain innovation.

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By Markus Pritzker

Swiss Business Lawyer & Corporate Formation Specialist. Off-counsel at SwissFirma network.

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