AMINA Group

What is AMINA?

AMINA Bank AG is a Swiss regulated bank focused on digital assets, combining fiat banking, crypto custody, trading, staking, and tokenization services in one platform. It operates under FINMA supervision and has been active since 2019, with services aimed at professional investors, companies, family offices, institutions, and some individuals who want both traditional banking and digital asset access. For readers comparing Digital Banks, it stands out for pairing multi-currency current accounts with institutional-style crypto services and a stated MiCA licence intended to unlock up to 30 European markets.

What makes the platform distinct is the mix of banking and digital asset infrastructure under one roof. Clients can hold current accounts in CHF, USD, EUR, GBP, HKD, and AED, trade through desktop, mobile, API, or a dealing desk, and choose between hot wallet and fully off-grid cold storage. The bank also states that crypto assets in custody are segregated from its balance sheet under Swiss Federal Law.

Key Features & Services

One thing that jumps out quickly is the breadth of services available from a single account relationship. Instead of splitting cash management, digital asset custody, and market access across several providers, the bank places them within the same online and mobile banking setup. It also publishes more detail than many crypto banking platforms on staking rewards, package thresholds, and storage design.

Multi-currency banking and account access

Current accounts are available in CHF, USD, EUR, GBP, HKD, and AED, with more currencies marked as coming soon. Gold and Platinum packages expand current account availability to up to 19 currencies. Online banking and the mobile app are used to manage both fiat and cryptocurrency accounts, which places it in the overlap between Crypto Custody Solutions and modern multi-currency banking.

Crypto, NFT, and segregated custody

The custody offer covers cryptocurrencies and NFTs. The bank says it was the first regulated bank in the world to offer NFT custody, and it states that client digital assets are held separately from its own balance sheet. For hot wallet storage, it lists hardware security modules, multi-party computation, multi-authentication, and 24/7 monitoring by a Cyber Defence Centre. Its cold storage setup is described as off-grid, air-gapped, with biometric access control and blocked radio signals.

Trading across crypto, FX, securities, and derivatives

The trading stack is broader than a basic crypto exchange account. Clients can access cryptocurrency trading, forex trading, securities trading, and derivatives trading through desktop online banking, the mobile app, AMINA Pro, FIX API, and direct access to the trading desk. OTC crypto options are available on BTC, ETH, and selected altcoins, with maturities of up to 12 months and US dollar settlement available on request.

Staking and yield services

Staking is available for ETH, SOL, ADA, DOT, POL, XTZ, TON, and ATOM. The fee is listed as 15% of rewards across all shown assets, and the bank publishes reward ranges rather than leaving returns vague. Examples include 2 to 3% p.a. for Ethereum, 5 to 7% p.a. for Solana, 12 to 13% p.a. for Polkadot, and 15 to 20% for TON Coin and Cosmos.

Deposits, overdrafts, and tokenization

Cash management goes beyond a standard current account. Fixed-term deposits and 35-day notice deposit accounts are available for clients holding cash surplus, while overdrafts can be arranged on request in multiple currencies. Tokenization is also part of the service set, which matters for firms and institutions looking at digital asset banking as more than simple buy-and-hold custody.

Pricing & Fees

Pricing is only partly public, but the package thresholds that are published are fairly specific. Silver has no monthly package fee, no onboarding fee, and no minimum funding requirement. Gold and Platinum can also be free if clients meet custody, borrowing, or trading-volume thresholds.

Package / Service	Publicly listed pricing
Silver	No monthly package fee
Silver onboarding	Free
Silver minimum deposit	None
Gold	Free if holding 2 million CHF in custody, borrowing at least 250,000 CHF, or trading at least 1 million CHF equivalent
Platinum	Free if holding 10 million CHF in custody, borrowing at least 2.5 million CHF, or trading at least 20 million CHF equivalent
Staking fee	15% of rewards

Silver includes online banking, mobile banking, cryptocurrency custody accounts, NFT custody, crypto trading, FX trading, securities trading, AMINA Pro, direct access to traders, and a premium service desk. Gold adds up to 19 current-account currencies, a Gold credit card in CHF, EUR, or USD, a standard 10,000 CHF or EUR credit limit, airport lounge access, concierge services, and insurance for travel and shopping. Platinum includes similar banking and card access, but with customised credit limits.

Some important fees are not listed on the supplied product pages, including standard custody charges, trading commissions, spreads, deposit rates, overdraft pricing, and tokenization fees. Staking terms can also change, including rewards and bonding or unbonding periods.

Pros and Cons

Pros

• Regulation: FINMA regulates the bank as a Swiss bank.
• Service mix: It combines fiat banking, digital asset custody, trading, staking, and tokenization in one place.
• Custody design: Clients can choose between hot wallet custody and fully off-grid cold storage.
• Asset segregation: The bank states that digital assets are held separately from its balance sheet under Swiss Federal Law.
• Trading access: Channels include desktop banking, mobile app, AMINA Pro, FIX API, and direct desk access.
• Published thresholds: Silver, Gold, and Platinum eligibility rules include specific custody, borrowing, and trading figures.
• Staking transparency: Reward ranges are listed for eight supported assets, along with a 15% fee on rewards.

Cons

• Geographic limitation: The site notice says products and services are only licensed in Switzerland.
• Partial fee disclosure: Public pricing is incomplete for several core services, including many trading and custody costs.
• Changing staking terms: Rewards, fees, and bonding or unbonding periods can change.
• High-tier thresholds: Gold and Platinum fee-waiver levels are aimed at larger clients, with custody thresholds from 2 million CHF to 10 million CHF.
• Institutional tilt: Much of the product set is geared toward professional investors, firms, family offices, and institutions rather than mass-market retail banking.

Who Is AMINA Best For?

This service is suited to clients who need both a bank account and digital asset infrastructure from the same provider. That includes companies managing treasury across fiat and crypto, family offices looking for segregated custody under a Swiss banking framework, and institutions that need more than app-based crypto trading.

It also fits professional investors who want several access routes to markets, including mobile, desktop, API, and voice or desk execution. The presence of OTC options with maturities up to 12 months, plus access to FX and securities trading, makes it more than a basic crypto exchange or wallet service.

Startups and scale-ups may find the multi-currency setup useful, especially where cash is held across CHF, USD, EUR, GBP, HKD, and AED. Individuals are part of the audience too, but the structure of the higher-tier packages and the published thresholds show a clear focus on larger balances, borrowing needs, or active trading volumes.

The bank may also appeal to clients who want yield features inside a regulated banking setting. Staking support for eight assets, fixed-term deposits, and 35-day notice deposits give it a wider mix of cash and digital asset income options than many online banking providers.

This information is for educational purposes and does not constitute financial advice.