Don’t Just Buy and Sell Crypto – Spend It
Be empowered to send, spend, and manage your digital assets anytime, anywhere.
Open Account
€1.5B
Volume Processed
210+
Available in Countries and Territories
Affiliated with
Swiss Supervisory Organizations
40K+
Trusting Customers
100+
Expert Team Members
Why Choose swissmoney?
Easy to Use
Full day-to-day functionality for both crypto and fiat made fast and easy.
Crypto Spendability
Instantly top-up your card with your crypto assets for seamless spending.
Fast Processing and Flat Fees
Instant transfer of funds and crypto off-ramping at a fixed fee.
Zero Spending Limits
Customize your payment cards and raise the spending limit as much as you like.
Security-First Approach
Offline Cold Storage Solution
Offline cold storage solution ensures your private keys remain offline and do not come into contact with the internet.
Biometric and 2FA Authentication
Biometric checks on account creation and two-factor-authentication safeguards from unauthorized breaches.
Operational Protection
Infrastructure and network are safeguarded by industry-leading partners, guaranteeing uninterrupted operations and zero downtime.
Crypto Wallets
Make payments with crypto by instantly exchanging it for fiat funds on your card.
Buy, sell and exchange the most popular cryptocurrencies
Transfer crypto from third parties to store on swissmoney
Instantly exchange crypto to fiat funds on your account
Fixed fees make it ideal for larger volume off-ramping
IBAN Accounts
Take out a dedicated IBAN account to manage all of your day-to-day finances.
Take out multiple IBAN accounts to hold different currency assets
Enjoy instant transfers across Europe via SEPA or be truly global with international SWIFT transfers
Forget the constant red-tape associated with legacy banking institutions and enjoy seamless and uninterrupted transfers
Payment Cards
Conveniently pay with fiat or crypto in all your favorite stores with a single swissmoney payment card.
Forget the hassle of wire transfers with limitless card spending
Take out multiple payment cards for different spending needs
Sync with Google Pay or Apple Pay and enjoy contactless spending on the go
Business Accounts
Scale your business to a truly global reach with cross border facilitation, and hold your company's finances in fiat, crypto or both.
Dedicated swissmoney specialists will work with you to streamline the onboarding process
Personalize operations to best suit the needs of your team and company
Unlike legacy financial institutions, a larger variety of industries and business accepted
How to Get Started?
1
Open a swissmoney private or business account
2
Provide the required documents to verify your identity
3
Oder your first IBAN account and payment card
4
Manage your fiat and crypto finances all in one place
FAQ
How can I apply for a personal swissmoney account?
The personal account opening process on swissmoney is more than easy. You will be asked to verify your phone number, identity and fill out a short questionnaire. The process shouldn’t take you more than a few minutes and as soon as we review your application, your account will be open.
What kind of services will I get with my swissmoney account?
As a swissmoney client you will be able to not only buy, sell and transfer crypto, but also spend it directly. Additionally, swissmoney clients gain access to dedicated IBANs with instant payments through SEPA, global SWIFT transfers, multi-currency accounts, and virtual payment cards with zero hard spending limits.
What currencies will I be able to use?
Currently swissmoney offers the use of EUR, USD, GBP and CHF with additional currencies to continuously be introduced down the line.
What cryptocurrencies will I be able to use?
You can open BTC, ETH, USDC, USDT, and TRX wallets with other cryptocurrencies to be introduced along the way.
How can I be sure that my account and my funds are secure?
swissmoney employs 2FA authentication to ensure that only you will be able to access your account. Your fiat funds held in dedicated IBANs are protected by the Bank of Lithuania, while pooling accounts in BankFrick are held at the lowest risk exposure level. Your crypto assets are stored in wallets issued to you automatically, designed in a way that denies access to us and swissmoney’s offline cold storage solution ensures that your private keys do not come into contact with the internet.
What makes swissmoney better than traditional finance institutions?
Wider acceptance of businesses: Our risk tolerance allows us to facilitate various industries, which would be rejected by traditional finance institutions.
Crypto friendly: Unlike legacy institutions, we accept and facilitate cryptocurrencies in the same way as traditional currency. Our accounts allow for buying, selling, trading and spending crypto.
No hard limits on card payments: While traditional finance institutions would require wire transfers for expensive purchases, swissmoney allows you to make large purchases without any hassle. As long as you have provided the required proof of earning documents, you can increase your daily limit as much as you want and make expensive purchases without the added wait, paperwork and inconvenience of a wire transfer.
What are the differences between currencies (i.e virtual accounts) and dedicated IBANs?
A virtual account only allows you to send and receive money from yourself. Meaning that you can transfer funds between your swissmoney account and your accounts in other entities. A dedicated IBAN account allows you to send to, and receive funds from 3rd party individuals.