Switzerland has established itself as the global leader in regulated cryptobanking, combining centuries-old financial stability with cutting-edge blockchain innovation. This guide explains how to leverage Swiss jurisdiction for secure storage, growth, and management of both traditional and digital assets in 2025. ## Swiss private banking and wealth management: a premier solution for offshore assets Swiss private banking and wealth management rest on three pillars: political and economic stability, the reliability of the Swiss franc (CHF), and a historically rooted culture of confidentiality adapted to modern realities. The 1934 Banking Law criminalized disclosure of client data, restoring depositor confidence after the Great Depression. The Swiss franc has maintained historical stability through prudent monetary policy and Switzerland's political neutrality, making it a reliable currency for wealth preservation. Swiss banks hold over $2 trillion in private foreign assets, representing more than a quarter of the global market—a testament to longstanding trust in Swiss confidentiality and financial stability. > "Switzerland has successfully integrated blockchain innovations into its century-old banking system, offering clients an unprecedented level of security for both fiat and crypto assets." — Christoph Pour, Head of Digital Assets at UBS Group ## The future of finance: Swiss banking for digital assets and cryptocurrency Swiss banking has evolved to support digital assets, applying wealth management principles to cryptocurrencies and blockchain investments. Switzerland offers a unique regulated environment for offshore crypto investment, combining innovation with security. "Switzerland applies a 'same risks, same rules' approach to crypto within existing laws." — Lightspark, 2025 FINMA provides clear regulatory guidelines for payment, utility, and asset tokens, impacting licensing and tax obligations. "The DLT Act integrates crypto assets into Swiss financial market laws and enables DLT securities." — Chambers Practice Guides, 2025 The 2021 DLT Act amended ten laws, enabling digital assets as collateral and establishing legal certainty for DLT-based securities and asset segregation in custodian bankruptcy. "FINMA issued guidance on disclosing crypto assets in annual financial statements to improve transparency." — [FINMA, 2025](https://www.finma.ch/en/news/2025/09/20250905-meldung-am-kryptovermoegenswerte/) ## Our digital asset and crypto banking services We offer a full range of services for managing your digital capital, based on banking security standards and Swiss legislation. Information is provided for general purposes and does not replace professional consultation. ### Crypto accounts & trading Open a regulated account for trading and investing in cryptocurrencies. We provide direct market access, best execution, and transaction transparency. Manage your portfolio within a reliable banking infrastructure. Swiss regulated crypto accounts require strict AML and KYC compliance per FINMA rules, ensuring transparency and legal security. Banks like SEBA and Sygnum hold FINMA licenses as crypto banks, offering custody services that allow clients to deposit, trade, and manage digital assets alongside traditional currencies within one regulated platform. "Swiss crypto banks provide OTC and exchange access with transparent execution in regulated environments." — Chambers Practice Guides, 2025 These accounts support portfolio management by enabling integrated asset allocation, real-time trading, and risk controls compliant with Swiss financial law (FinIA), including mandatory audits and capital requirements for crypto intermediaries. ### Secure custody services Bank-level custodial storage for your digital assets. We use multi-layered protection, cold storage, and certified solutions for institutional investors. "Swiss custodians use multi-layer security, including cold storage, meeting institutional standards." — Global Legal Insights, 2026 Institutional custody services in Switzerland include regulated asset safeguarding with multi-layered internal controls, AML/KYC compliance, cold storage solutions, and regular audits under FINMA or SRO supervision. Custody services require companies to be licensed either by FINMA or to join a Self-Regulatory Organization (SRO) such as VQF. Cold storage (offline storage of private keys) is a standard security measure employed by Swiss custodians to protect digital assets from online threats, combined with multi-factor authentication and role-based access controls to ensure multi-layered security. {{cta:cta-1}} ### Crypto wealth management & staking Private banking services for digital assets. We develop individual investment strategies and offer opportunities for passive income through staking on our validator nodes. Swiss crypto banks provide regulated staking services with institutional-grade security. Staking is primarily associated with the Proof of Stake (PoS) consensus mechanism, offering participants a way to earn rewards while contributing to network security and decentralization. Earn passive returns on assets like Tezos, Ethereum, and Solana through regulated Swiss banking platforms. Staking yields vary by network and method, typically ranging from 3.5% to 8% annually, subject to market conditions and technical risks. ### Lending and tokenization Obtain loans secured by your crypto assets or invest in secured loans. We also provide real asset tokenization services, opening new investment horizons. Switzerland regulates crypto lending and asset tokenization under the 2021 DLT Act and ongoing 2025 amendments, with FINMA as the main regulator. Crypto lending activities require licensing depending on the business model: only licensed banks may accept deposits and provide loans. "The FinTech licence permits accepting public deposits up to CHF 100 million without interest." — [FINMA, 2025](https://www.finma.ch/en/authorisation/fintech/fintech-bewilligung/) "The consultation proposes new 'crypto-institution' licences with direct FINMA oversight from 2026/27." — MLL News, 2025 The 2025 Federal Council consultation proposes replacing the FinTech license with a "payment instrument institution" license removing deposit limits and segregating client funds, enhancing consumer protection and market growth potential. ## Why choose a regulated crypto bank in Switzerland? ### Fully compliant and secure: FINMA regulated crypto banking Our activities are fully licensed and regulated by the Swiss Financial Market Supervisory Authority (FINMA). This guarantees the highest level of compliance, security, and client asset protection. We undergo regular audits, confirming the reliability of our operations in crypto banking. Information is provided for general purposes and does not replace professional consultation. "FINMA licenses crypto institutions and enforces AML/CFT, investor protection and conflict-of-interest rules." — Sumsub, 2025 FINMA enforces strict compliance with KYC (Know Your Customer) and AML (Anti-Money Laundering) rules, requiring banks to verify source of funds, especially scrutinizing crypto-related wealth and complex ownership structures. "Client funds must be segregated; the CHF 100 million deposit cap is abolished." — Borel Barbey, 2025 Swiss crypto regulation is evolving with new FINMA licenses specifically targeting crypto and fintech firms. This includes a new "crypto-institution" license for custody and trading of crypto assets, designed to provide tailored regulatory compliance with enhanced investor protections, AML/CFT compliance, and conflict-of-interest mitigation. ### Why Switzerland is the global hub for blockchain finance and crypto investment Switzerland, and in particular "Crypto Valley" in Zug, has created a unique ecosystem for blockchain innovations. Progressive yet stable regulation attracts the best technology companies and capital. This makes Switzerland an ideal financial hub for safe offshore crypto investments. Crypto Valley began in 2013 when early Bitcoin and Ethereum projects established themselves in Zug, leveraging the canton's low taxes and liberal regulations. In 2016, Zug became the first city worldwide to accept Bitcoin for public services, marking a pioneering governmental endorsement. The Ethereum Foundation was founded in Zug in 2014, creating a legal foundation for blockchain projects and attracting global crypto entrepreneurs. By the end of 2022, the Swiss blockchain ecosystem encompassed over 1,100 companies and approximately 5,000 employees, with Zug as the central hub. The Swiss crypto industry is valued at USD 593 billion in 2024, including 17 unicorn companies, concentrated in hubs like Zug, Zurich, Geneva, and Neuchâtel.

Switzerland's Crypto Valley at a Glance (2024-2025)

$593B

Industry Valuation

1,100+

Blockchain Companies

Unicorn Companies

5,000+

Employees

Data reflects the robust ecosystem in hubs like Zug, Zurich, Geneva, and Neuchâtel.

"In 2025, BX Digital obtained FINMA authorisation to operate a DLT trading venue." — Chambers Global Practice Guides, 2025 Switzerland remains the most active jurisdiction for crypto banking services, hosting the highest number of verified institutions offering multiple crypto services globally. {{cta:cta-1}} ## How to open an account for managing crypto and fiat assets: step-by-step process ### How to open a Swiss bank account for non-residents The process of opening an account for non-residents is simple and transparent, but requires thorough due diligence. Client requirements: You must be over 18 years old, have no criminal record, and be ready to provide information about the origin of funds. The minimum deposit for private banking typically starts from CHF 500,000 to CHF 1,000,000. KYC/AML procedure: As part of the "Know Your Customer" (KYC) procedure, we verify your identity and sources of income to comply with legislation. Application: Fill out the online form or contact our expert to begin the process. Opening a Swiss bank account for a non-resident in 2025 involves a four-step process including client profiling, document submission, KYC/AML due diligence, and account activation. Preliminary consultation assesses client profile (residency, source of funds, purpose), chances of approval, and financial terms. Notarized passport copy and proof of address (3–6 months old) are mandatory documents. The entire process can be completed remotely without physical presence in many cases, although some banks may require in-person visits for certain profiles. The process duration can take up to one month, with fees around CHF 2,000 for compliance and account setup services.

Account Opening Process for Non-Residents

Client Profiling

Assess profile & purpose

Document Submission

Passport, proof of address & wealth

KYC/AML Due Diligence

Identity & source of funds verification

Account Activation

Access to crypto & fiat services

### Required documents for opening an account

List of documents for opening an account by a non-resident
Document	Description	Why is this needed?
Certified copy of passport	For identity confirmation	KYC requirement
Proof of residential address	Utility bill or bank statement not older than 3 months	KYC requirement
Source of wealth documents	Tax returns, purchase agreements, inheritance documents	AML (Anti-Money Laundering) requirement

For individuals, mandatory documents include: name, date of birth, address, photo ID (passport, driver's license, ID card), proof of address (utility bills, bank statements), in accordance with Customer Identification Program (CIP) requirements. For legal entities, required documents include: registration documents (Certificate of Incorporation, Certificate of Formation, Partnership Agreements), company registration number, information about ultimate beneficial owners (UBO), data on management and structure, justification of source of funds, in accordance with AML/KYC policies and Customer Due Diligence (CDD). {{cta:cta-1}} ## Service comparison: which solution suits you?

Comparison of crypto banking services
Service	Purpose	Risk level	Potential return	Suitable for
Trading	Active portfolio management through buying and selling cryptocurrencies	High - market volatility	High, depends on strategy and market	Experienced traders wanting to react quickly to the market
Custody	Secure storage of digital assets	Low - storage security focus	Minimal - safekeeping fees	Institutional investors and long-term holders requiring reliability
Staking	Earning passive income by supporting blockchain network (Proof-of-Stake)	Medium - validator risk, smart contract vulnerabilities	3.5–8% annually, depends on method and platform	Passive investors believing in PoS networks, ready for technical requirements

Which Solution Suits You?

Trading

Active portfolio management through buying and selling cryptocurrencies.

Risk: High

Return: High (strategy-dependent)

Ideal For: Experienced traders

Custody

Secure, bank-grade storage of digital assets with institutional-level protection.

Risk: Low

Return: Minimal (safekeeping fees)

Ideal For: Long-term holders

Staking

Earning passive income by supporting a Proof-of-Stake blockchain network.

Risk: Medium

Return: 3.5-8% APY (variable)

Ideal For: Passive investors

## Schedule a confidential consultation with a Swiss banking expert Ready to discuss your goals? Schedule a confidential consultation with our expert in private banking and crypto asset management. We will select an individual solution for you. Local Restrictions – Provision of Cross-Border Services This information is addressed solely to persons residing or domiciled in Switzerland. If you proceed, you confirm that you are accessing this page on your own initiative, without solicitation in your jurisdiction. Disclaimer: Information is provided for general purposes and does not replace professional consultation. Cryptocurrencies are associated with high risks including price volatility, technical risks, smart contract vulnerabilities, slashing risks in staking, and regulatory uncertainty. Past performance does not guarantee future results. Consult qualified financial, legal, and tax advisors before making investment decisions.

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