Fiat Rails & Banking for Crypto Businesses evaluated across if they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?, have they said in writing which crypto businesses they take — and have they thrown one out before?, how much warning do i get before the account closes, and who can freeze it in the meantime?, and whose licence am i actually relying on, and can i look up the number myself?.
BA
#1 of 8 · published ranking
Bank Frick & Co. AG
78ChainChoice Score
4199
Cost
Not priced· No comparable price is published
Joint #1 · ordered by unrounded weighted total (39.81 against 39.8)
No provider can pay for a position in this table. The code that computes this order cannot read which links earn us a commission, and every build proves it. Every score below rebuilds from the published criteria.Ranking 2026.08 · 4 criteria · 8 products · same inputs, same order
Personal comparison
Fiat Rails & Banking for Crypto Businesses ranked comparison
No comparable price is published; ranking still uses verified product evidence.
RankProviderBest fitScore
1
BABank Frick & Co. AGA Liechtenstein FMA-licensed bank (Bank...Top ranked
Deposit guarantee reach — 7/10Trade-off: The guarantee that is the entire reason to pick a bank over an EMI may not reach this...
Ranked on 4 published criteria weighted 32/30/22/16, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18, ease of use 10, institutional trust 8. Profile match is shown in breakdowns but carries no weight.
Audit
Infrastructure
Methodology
2026.09.15
published 2026-09-16
Providers tracked
980+
across 119 categories
Last verified
2026-08-17
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
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.
What matters most before choosing in this category
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.
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?
Strong starting point
Expert review and scoring weights
BA
Bank Frick & Co. AGData checked Aug 2026
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 — the pool's only genuine deposit instrument, 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 — the pool's only genuine deposit instrument, 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? (7/10): READ ON https://www.bankfrick.li/sites/default/files/documents/2507_EN_Depositor_Information_Template.pdf (Bank Frick's own 'Depositor Information Template', 'Valid from 1 June 2019', linked from its legal index at https://www.bankfrick.li/en/legal-information; loaded 2026-08-17, HTTP 200, 3 pages): 'Deposits in Bank… Weakest on how much warning do i get before the account closes, and who can freeze it in the meantime? (5/10): THE BINDING CONTRACT, quoted verbatim. READ ON https://www.bankfrick.li/sites/default/files/documents/1823_EN_general_business_conditions_including_safe_custody_regulations.pdf ('General Business Conditions including Safe Custody Regulations', 'Version from 10/2024, valid from 1 October 2024', 'LI BA 1823 EN V1.00'… Published price: Account maintenance fee per client relationship CHF 50.00 per quarter For legal entities, an additional minimum fee of CHF 500.00 per year applies.
Best forDeposit guarantee reach — 7/10
Main tradeoffThe guarantee that is the entire reason to pick a bank over an EMI may not reach this buyer, and even where it does it is trivially small for a corporate treasury. The EAS leaflet Bank Frick hosts on its own legal index carves out 'companies in the financial services sector' — which is plausibly what a licensed exchange, broker, payment firm or MiCAR CASP is, i.e. a large share of exactly the clients the blockchain-banking page is written to attract — and Bank Frick's own Depositor Information Template does not resolve the point, saying only 'Exceptions for certain deposits are stated in the FAQs of the EAS website.' Where it does apply, the cap is CHF 100,000 per depositor per bank; a crypto business running CHF 20m of operating float is 99.5 % an unsecured creditor of a CHF 2.8bn bank with CHF 116.6m of equity. Buying a bank licence here buys supervision, segregation of the crypto leg and a real deposit instrument — it does not buy a guaranteed treasury.
Verify before signupAccount maintenance fee per client relationship CHF 50.00 per quarter For legal entities, an additional minimum fee of CHF 500.00 per year applies. … Account closing fee per client relationship CHF 250.00 … Crypto assets Custody fee 0.40 % per year, at least CHF 200.00 * The fee is charged quarterly and is calculated on the basis of the average value of the custody account. Staking fee 15 % of staking rewards, FIAT-countervalue debited to account on a monthly basis … Bills of exchange Fiat/crypto and crypto/fiat 1.00 %, at least CHF 250.00 per bill of exchange … Payment order Up to CHF 5,000.00 or equivalent: CHF 5.00 per payment From CHF 5,001.00 or equivalent: CHF 10.00 per payment Payment order in USD 0.20 %, at least CHF 100.00 per payment … * Plus the statutory value added tax. Bank Frick AG reserves the right to change the fee schedule at any time.
Methodology
How this category is reviewed
Reviewed on if they fail, is my company's money a guaranteed deposit or an IOU — and would they even open the account for me?, have they said in writing which crypto businesses they take — and have they thrown one out before?, how much warning do i get before the account closes, and who can freeze it in the meantime?, and whose licence am i actually relying on, and can i look up the number myself?.
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
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.
Not financial advice · For informational purposes only · Always do your own research
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