Fiat Rails & Banking for Crypto Businesses
Fiat rails for crypto businesses ranked on whether your money is a guaranteed deposit, whether the bank publishes which crypto businesses it accepts, how much notice you get before a closure or freeze, and whose licence you are relying on.
18providers tracked
8ranked (methodology v2026.11.1)
12 November 2026Ranking snapshot
28 September 2026oldest read · due 12 NovIndependent. Evidence-based.We rank with a published method and sourced evidence. No one can pay to rank.How it works
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What your country changes
Pick a country to see which banking providers for crypto businesses serve it. Nothing is hidden — any that does not is listed with that reason.- 🇺🇸 United States
- 🇨🇦 Canada
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- 🇬🇧 United Kingdom
- 🇩🇪 Germany
- 🇫🇷 France
- 🇮🇹 Italy
- 🇪🇸 Spain
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- 🇳🇴 Norway
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Funding & access
8 providers match your requirements
Out of 8 ranked providers. 0 excluded.
What this ranks
Ranked here: fiat rails and banking for crypto businesses, the accounts at banks and other licensed providers where a crypto company keeps its money.Not ranked here: providers already ranked as stablecoin settlement platforms or crypto neobanks, and providers that are dead or could not be confirmed live.8 of the 18 assessed are ranked; 10 were turned away by name. Who, and whyRequirements narrow the list; they never change a published ChainChoice Score. How the ranking works
AM
AMINA Bank AG
How AMINA Bank AG was chosen
Leads this ranking on If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?FINMA-licensed Swiss bank
78 / 100 out of 100published score, #1 of all 8 worldwide
Evidence
High
4/4 criteria scored, with 4 dated sources quoted.Deposit guarantee reachLicence identity resolvable
Why it leads
- AMINA Bank AG is 2 points ahead of Clear Junction, mainly because it scores higher on its deposit guarantee reach and its closure notice and freeze.
- Best in this ranking on deposit guarantee reach (8/10; next 6/10)
- Ahead of Clear Junction on deposit guarantee reach (+6.0 points) and closure notice and freeze (+1.4 points)
Tradeoff
Published crypto perimeter: 3 points below the best in this ranking
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2
FCA-authorised UK electronic money institution...
76 / 100 out of 100
3
Same score, not joint · ordered by weighted total (39.20 against 39.10)
A Liechtenstein FMA-licensed bank
76 / 100 out of 100
4
Same score, not joint · ordered by weighted total (39.10 against 39.00)
A US fintech
76 / 100 out of 100
5
US business banking
59 / 100 out of 100
6
BR
A US-only corporate spend platform
56 / 100 out of 100
7
A real OCC-chartered national bank
55 / 100 out of 100
8
Tied for #7 · ordered by unrounded weighted total (30.97 against 30.92)
UK/EEA e-money institution selling automated...
55 / 100 out of 100
Compare providers (0)
See key differences in features, fees, security and more.
Licence identity resolvable
Whose licence am I actually relying on, and can I look up the number myself?
16% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Licence identity resolvable (0–10) | ChainChoice Score |
|---|---|---|
| AMINA Bank AG | 6 | 78 |
| Clear Junction | 6 | 76 |
| Bank Frick & Co. AG | 6 | 76 |
| Brex | 6 | 56 |
| Modulr | 6 | 55 |
| Column N.A. | 4 | 55 |
| Meow | 3 | 76 |
| Mercury | 3 | 59 |
Deposit guarantee reach
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?
32% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Deposit guarantee reach (0–10) | ChainChoice Score |
|---|---|---|
| AMINA Bank AG | 8 | 78 |
| Bank Frick & Co. AG | 6 | 76 |
| Column N.A. | 6 | 55 |
| Clear Junction | 5 | 76 |
| Brex | 5 | 56 |
| Modulr | 5 | 55 |
| Meow | 4 | 76 |
| Mercury | 4 | 59 |
Published crypto perimeter
Have they said in writing which crypto businesses they take — and have they thrown one out before?
30% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Published crypto perimeter (0–10) | ChainChoice Score |
|---|---|---|
| Clear Junction | 8 | 76 |
| Mercury | 8 | 59 |
| Meow | 7 | 76 |
| Bank Frick & Co. AG | 6 | 76 |
| AMINA Bank AG | 5 | 78 |
| Column N.A. | 5 | 55 |
| Brex | 4 | 56 |
| Modulr | 2 | 55 |
Closure notice and freeze
How much warning do I get before the account closes, and who can freeze it in the meantime?
22% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Closure notice and freeze (0–10) | ChainChoice Score |
|---|---|---|
| Modulr | 6 | 55 |
| Bank Frick & Co. AG | 5 | 76 |
| Mercury | 4 | 59 |
| Brex | 4 | 56 |
| AMINA Bank AG | 3 | 78 |
| Meow | 3 | 76 |
| Clear Junction | 2 | 76 |
| Column N.A. | 2 | 55 |
All 4 published criteria
Every ranked row’s score on each criterion, in the published order. Choose a column to order by it.
| Provider | ChainChoice Score | |||||
|---|---|---|---|---|---|---|
| 1 | AMINA Bank AG | 8 | 5 | 3 | 6 | 78 |
| 2 | Clear Junction | 5 | 8 | 2 | 6 | 76 |
| 3 | Bank Frick & Co. AG | 6 | 6 | 5 | 6 | 76 |
| 4 | Meow | 4 | 7 | 3 | 3 | 76 |
| 5 | Mercury | 4 | 8 | 4 | 3 | 59 |
| 6 | Brex | 5 | 4 | 4 | 6 | 56 |
| 7 | Column N.A. | 6 | 5 | 2 | 4 | 55 |
| 8 | Modulr | 5 | 2 | 6 | 6 | 55 |
How this ranking works
How firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and which fiat rails & banking for crypto businesses were assessed and left out.
One point from changingAMINA Bank AG leads Clear Junction by 2 points
A one-point change on one criterion puts Clear Junction first, so read both.
See the arithmetic
The heaviest criterion that changes it is “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?”, weighted 32: move it by a single point and Clear Junction takes first place. Both are worth reading. The published rankings file
Why this score4 published criteria · leads 2 of 4
Published criterionWtScore, and the best hereGap/10 out of 10Pts
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?7.7·88.2
Have they said in writing which crypto businesses they take — and have they thrown one out before?7.2−354.8
How much warning do I get before the account closes, and who can freeze it in the meantime?5.3−332.1
Whose licence am I actually relying on, and can I look up the number myself?3.8·63.1
Σ methodology points18.2/32
Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted
Why it ranks first
Why AMINA Bank AG leads this category right now
FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion. Strongest on “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?” (8/10): AMINA Bank AG holds a Swiss banking licence and publishes an esisuisse sheet covering "private and corporate clients" up to CHF 100,000 per client. It sells crypto and NFT custody in the same corporate package, and the sheet does not say that digital assets fall outside the scheme. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (3/10): AMINA's General Terms let either party "terminate the business relationship with immediate effect" and let AMINA "freeze any account or Digital Asset Custody Storage" at its discretion. No provider notice period applies; the client gets only an "appropriate grace period" to name where the funds should go. Published price: READ ON https://aminagroup.com/corporates/banking/ (fetched 2026-09-28, HTTP 200 with a browser user-agent), corporate banking package table: "AMINA Startup Zero fees Built to support early-stage growth for startups and scale-ups that are under 5 years old or…
Best for
Deposit guarantee reach — 8/10
Main tradeoff
You are buying a real Swiss deposit guarantee from a bank that has reserved the right to end you without notice. The esisuisse sheet is the best instrument in this pool -- CHF 100,000 per client, corporate deposits named, at an entity we matched ourselves on FINMA's register -- and the General Terms then give it away: Art. 26, 'Either of the Client or AMINA is entitled to terminate the business relationship with immediate effect', with Art. 27 letting AMINA 'freeze any account or Digital Asset Custody Storage' whenever it 'deems this to be required, in its discretion' under its own 'internal rules and policies'. There is no notice period, no enumerated grounds, no review path, and the ADGM branch's terms are worse. Second sting, and it is the one that catches crypto treasuries specifically: the coins you leave on the trading side are NOT the segregated custody asset you think you own -- Custody Regulations Art. 15, 'For clarity, credit balances on a Trading Account constitute a contractual claim of the Client against AMINA and do not refer to any Crypto Currencies held in Digital Asset Custody Storage for the Client on a segregated basis pursuant to these Custody Regulations.' (https://aminagroup.com/wp-content/uploads/2025/10/20251020final_AMINA-Custody-Regulation-10-2025-en-3.pdf). Fiat to CHF 100,000 is guaranteed; crypto in segregated custody is bankruptcy-remote under Swiss law; crypto sitting on the trading account is an unsecured claim on a category-5 bank. Third: AMINA is not passported. 'AMINA is not licensed as a bank in any other jurisdiction' and 'AMINA is not authorized to promote its products and services outside Switzerland' -- a non-Swiss crypto business gets in by reverse solicitation, and the MiCAR entity that covers Europe is a CASP with no deposit guarantee at all.
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Recommendation summary
What should decide this category
If they fail, is your balance a guaranteed deposit or a claim on the company?
Have they written down which crypto businesses they accept, and which they refuse?
How much notice are you contractually owed before the account closes, and who can freeze it first?
Quick picks
Strong options in this category
Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.
Best overall
AM
AMINA Bank AG
FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion.
FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion. Strongest on “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?” (8/10): AMINA Bank AG holds a Swiss banking licence and publishes an esisuisse sheet covering "private and corporate clients" up to CHF 100,000 per client. It sells crypto and NFT custody in the same corporate package, and the sheet does not say that digital assets fall outside the scheme. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (3/10): AMINA's General Terms let either party "terminate the business relationship with immediate effect" and let AMINA "freeze any account or Digital Asset Custody Storage" at its discretion. No provider notice period applies; the client gets only an "appropriate grace period" to name where the funds should go. Published price: READ ON https://aminagroup.com/corporates/banking/ (fetched 2026-09-28, HTTP 200 with a browser user-agent), corporate banking package table: "AMINA Startup Zero fees Built to support early-stage growth for startups and scale-ups that are under 5 years old or…
Best for: Deposit guarantee reach — 8/10
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · weight 32%8/10Have they said in writing which crypto businesses they take — and have they thrown one out before? · weight 30%5/10How much warning do I get before the account closes, and who can freeze it in the meantime? · weight 22%3/10Whose licence am I actually relying on, and can I look up the number myself? · weight 16%6/10
Quick pick
Clear Junction
FCA-authorised UK electronic money institution selling GBP/EUR accounts, virtual IBANs and UK/EU domestic rails exclusively to licensed institutions — including licensed crypto exchanges, wallets and stablecoin platforms — with an unusually explicit published acceptance perimeter and an unusually complete silence where the account contract should be.
FCA-authorised UK electronic money institution selling GBP/EUR accounts, virtual IBANs and UK/EU domestic rails exclusively to licensed institutions — including licensed crypto exchanges, wallets and stablecoin platforms — with an unusually explicit published acceptance perimeter and an unusually complete silence where the account contract should be. Strongest on “Have they said in writing which crypto businesses they take — and have they thrown one out before?” (8/10): Clear Junction's digital-asset page accepts licensed exchanges, wallets, payment providers and stablecoin platforms. It refuses "unlicensed entities, cash-heavy models, nested flows, mixers or opaque third-party structures". The page shows no date, and its Binance exit notice says nothing about affected clients. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (2/10): Clear Junction publishes no account agreement. Its website terms say they "do not constitute a payment services agreement, e-money services agreement, or e-wallet user terms and conditions", and its legal index lists no framework agreement, so notice, freeze and return-of-funds terms cannot be read before signing. Published price: UNPUBLISHED (re-read 2026-09-28). No price, fee, rate card, minimum balance or monthly charge appears on any Clear Junction surface fetched on 2026-09-28.
Best for: Published crypto perimeter — 8/10
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · weight 32%5/10Have they said in writing which crypto businesses they take — and have they thrown one out before? · weight 30%8/10How much warning do I get before the account closes, and who can freeze it in the meantime? · weight 22%2/10Whose licence am I actually relying on, and can I look up the number myself? · weight 16%6/10
Quick pick
Same score, not joint · ordered by weighted total (39.20 against 39.10)
Bank Frick & Co. AG
A Liechtenstein FMA-licensed bank (BankG licence on the FMA register since 1998) that openly onboards blockchain and crypto companies onto EAS-guaranteed CHF/EUR/USD/GBP business accounts — a deposit on the bank's own licence, capped at CHF 100,000 per depositor and with the acceptance-and-refusal list sitting behind a password.
A Liechtenstein FMA-licensed bank (BankG licence on the FMA register since 1998) that openly onboards blockchain and crypto companies onto EAS-guaranteed CHF/EUR/USD/GBP business accounts — a deposit on the bank's own licence, capped at CHF 100,000 per depositor and with the acceptance-and-refusal list sitting behind a password. Strongest on “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?” (6/10): Bank Frick holds its own Liechtenstein banking licence. Its depositor sheet names the EAS scheme and CHF 100,000 per depositor, and says "In general, all retail depositors and businesses are covered". It sells crypto custody beside the account, and neither page says crypto is outside the guarantee. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (5/10): Bank Frick's General Business Conditions let either side end the relationship "at any time without giving reasons and subject to a reasonable period of notice", with no fixed period. The two-month notice in its payment-services terms applies only to consumers, not to a business client. Published price: Standard fee schedule, https://www.bankfrick.li/sites/default/files/documents/1825_EN_Standard_fee_schedule.pdf ("Valid from 1 September 2024"; fetched 2026-09-28, unchanged since the 2026-08-17 read): "Account maintenance fee per client relationship CHF…
Best for: Deposit guarantee reach — 6/10
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · weight 32%6/10Have they said in writing which crypto businesses they take — and have they thrown one out before? · weight 30%6/10How much warning do I get before the account closes, and who can freeze it in the meantime? · weight 22%5/10Whose licence am I actually relying on, and can I look up the number myself? · weight 16%6/10
Quick pick
Same score, not joint · ordered by weighted total (39.10 against 39.00)
Meow
A US fintech, not a bank, that places crypto-business deposits at Grasshopper Bank, N.A. (with Cross River Bank issuing the Meow Card and, per its homepage on 2026-09-28, Community Federal Savings Bank the Meow Commercial Card) — it publishes the widest crypto-acceptance list in this pool and the harshest termination clause in it, on the same site.
A US fintech, not a bank, that places crypto-business deposits at Grasshopper Bank, N.A. (with Cross River Bank issuing the Meow Card and, per its homepage on 2026-09-28, Community Federal Savings Bank the Meow Commercial Card) — it publishes the widest crypto-acceptance list in this pool and the harshest termination clause in it, on the same site. Strongest on “Have they said in writing which crypto businesses they take — and have they thrown one out before?” (7/10): Meow's FAQ says it "supports crypto companies including exchanges, DeFi protocols, wallets, custody providers, and token issuers". Its refusals, in a help article, name only non-crypto business types plus partner-bank risk appetite; no crypto model is refused and the list is not in the contract. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (3/10): Meow's Terms let it close an account "at any time for any reason or no reason, with or without notice". The Grasshopper Bank agreement behind the account allows closure "with or without cause", with notice only where law requires it, and gives no timetable for paying out the balance. Published price: "Meow charges zero fees on business checking — no monthly fees, no ACH fees, and no domestic or international wire fees." (https://www.meow.com/faq, answer to 'What does Meow cost?', fetched 2026-09-28; the FAQ answers are served in the page's embedded data…
Best for: Published crypto perimeter — 7/10
If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · weight 32%4/10Have they said in writing which crypto businesses they take — and have they thrown one out before? · weight 30%7/10How much warning do I get before the account closes, and who can freeze it in the meantime? · weight 22%3/10Whose licence am I actually relying on, and can I look up the number myself? · weight 16%3/10
Considered and not ranked
10 products we looked at and left out
A shortlist is only honest if it says who it turned away. Each of these was assessed against the same published criteria as the ranked table and excluded for a stated reason — not overlooked.
We assessed 18 products here and rank 8 — 44% of what we looked at. That share is of the products we assessed, not of the category: how many exist is not something we can count, so we do not claim a number for it.
Sygnum Bank AGBridge (Stripe)· Ranked elsewhereBVNK· Ranked elsewhereConduit· Ranked elsewhereRain· Ranked elsewhereXapo Bank· Ranked elsewhereRevolut Business· Ranked elsewhereJuno· No longer operatingLayer2 FinancialAirwallex
What this ranking does not assess
- Liveness failure: the operator stops, censors you or loses data.
- Custody failure: whoever holds the assets loses or withholds them.
- Execution failure: you get a worse price, later, or nothing.
- Exit failure: you cannot get out at par, on time, or with what is yours.
- Information failure: the number is wrong or bought, or your data leaks.
These can still cost you money here; the ranking does not measure them, so a high place says nothing about them. Which criterion scores each family, and why the others do not apply, is in /data/risk-coverage.json.
How this ranking is built
Ranked on four questions
- If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · 32%
- Have they said in writing which crypto businesses they take — and have they thrown one out before? · 30%
- How much warning do I get before the account closes, and who can freeze it in the meantime? · 22%
- Whose licence am I actually relying on, and can I look up the number myself? · 16%
Data checked Sep 2026 · Independent rankings · We show our work
How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
Direct answer
What is the best banking provider for crypto businesses in 2026?
AMINA Bank AG ranks #1 overall for fiat rails & banking for crypto businesses on ChainChoice. FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion. It holds that rank under an affiliate-blind methodology scored across 4 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; the full reasoning and the audit receipt are under Methodology.
How you can lose money here, and what the ranking scores
- Control failure: a key or vote changes the rules, freezes or mints.Scored by How much warning do I get before the account closes, and who can freeze it in the meantime? · 22% (AMINA Bank AG 3/10, Clear Junction 2/10, Bank Frick & Co. AG 5/10)
- Insolvency failure: the firm or issuer that owes you cannot pay.Scored by If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me? · 32% (AMINA Bank AG 8/10, Clear Junction 5/10, Bank Frick & Co. AG 6/10)
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Have they said in writing which crypto businesses they take — and have they thrown one out before? · 30% (AMINA Bank AG 5/10, Clear Junction 8/10, Bank Frick & Co. AG 6/10)Scored by Whose licence am I actually relying on, and can I look up the number myself? · 16% (AMINA Bank AG 6/10, Clear Junction 6/10, Bank Frick & Co. AG 6/10)
Not assessed by this ranking: Liveness failure, Custody failure, Execution failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
FAQs
3 questions readers ask before choosing fiat rails & banking for crypto businesses.
Frequently asked
Questions people ask before choosing business banking
They advertise FDIC insurance. Does that not settle it?
Usually not, and this is the single most important thing on the page. On five of the eight, the deposit protection described belongs to a PARTNER bank rather than to the entity you sign with — one names a partner's certificate outright while stating that the contracting company itself holds no such licence. That structure can still be fine, but it changes who you are a creditor of if the intermediary fails rather than the bank. What is scored here is whose licence it is, read off a public register with a number, not what the marketing page implies.
Should we just pick the one with a real banking licence?
Not automatically, and the scores say why. A chartered national bank in this pool, with its own OCC charter and FDIC certificate, scores 1 out of 10 on publishing which crypto businesses it will take. A fintech holding no deposit-taking licence of its own scores 9. For a crypto business the binding constraint is often acceptance rather than protection tier: a licence you cannot use is worth less than a perimeter you can read. The two axes are kept separate so you can weight them yourself rather than being handed a single blended verdict.
Why weight closure terms so heavily when everyone is discretionary?
Because losing your banking is the risk this category exists to price, and it is scored nowhere else in the catalog. It is also the weakest axis in the pool by a distance: the ceiling is 6 out of 10, the mean is 3.6, and not one of the eight publishes a named review or appeal route. Most reserve the right to close or suspend at their discretion. What separates them is whether there is a cure period, how much notice is contractually owed, and whether a freeze can be applied before any of that runs — differences that only surface in the terms, never in the pitch.
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Best picks
Best fiat rails & banking for crypto businesses in 2026
Weighted on whether your money is a guaranteed deposit or an IOU (32), whether they publish which crypto businesses they take (30), how much warning you get before closure (22), and whose licence you are actually relying on (16). The first axis is where the category hides its worst surprise: the FDIC or safeguarding language on most of these sites describes a PARTNER bank's charter, not the licence of the entity on your contract. A chartered national bank in this pool scores 1 out of 10 on publishing its crypto perimeter, while a fintech holding no licence of its own scores 9 — so a bank does not win on instrument alone. Exit terms are the weakest axis in the whole pool: the ceiling is 6, the mean is 3.6, and not one publishes a named review or appeal path.
Best overall
AM
AMINA Bank AG
FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion.
Data checked Sep 2026
FINMA-licensed Swiss bank (ex-SEBA, Zug) that actively recruits Web3 companies traditional banks refuse, publishes an esisuisse depositor sheet covering corporate clients to CHF 100,000 — and reserves the right in its own General Terms to terminate the relationship with immediate effect and freeze any account at its discretion. Strongest on “If they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?” (8/10): AMINA Bank AG holds a Swiss banking licence and publishes an esisuisse sheet covering "private and corporate clients" up to CHF 100,000 per client. It sells crypto and NFT custody in the same corporate package, and the sheet does not say that digital assets fall outside the scheme. Weakest on “How much warning do I get before the account closes, and who can freeze it in the meantime?” (3/10): AMINA's General Terms let either party "terminate the business relationship with immediate effect" and let AMINA "freeze any account or Digital Asset Custody Storage" at its discretion. No provider notice period applies; the client gets only an "appropriate grace period" to name where the funds should go. Published price: READ ON https://aminagroup.com/corporates/banking/ (fetched 2026-09-28, HTTP 200 with a browser user-agent), corporate banking package table: "AMINA Startup Zero fees Built to support early-stage growth for startups and scale-ups that are under 5 years old or…
Best for: Deposit guarantee reach — 8/10
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Written and reviewed by Mathias Siemonsmeier, Founder
Not financial advice · For informational purposes only · Always do your own research