AMINA Bank: business account score and facts

AMINA Bank AG is a Swiss bank in Zug, founded in 2018 as SEBA Crypto AG and holding a FINMA banking and securities dealer licence granted in August 2019. It gives companies fiat accounts in 19 currencies next to custody, trading, staking and collateralised lending across 32 crypto assets. The group also runs an ADGM branch in Abu Dhabi, AMINA (Hong Kong) Limited under SFC licences, and AMINA (Austria) AG, which received a MiCAR crypto-asset service provider licence in October 2025. The bank reported revenue of USD 40.4 million and assets under management of USD 4.2 billion for 2024, and its CET1 ratio was 31.00% at the end of 2025. Swiss deposits are covered by the esisuisse scheme up to CHF 100,000 per client.

Legal name: AMINA Bank AG
Regulated by: FINMA (Switzerland), FSRA of the Abu Dhabi Global Market (ADGM branch), Securities and Futures Commission (AMINA (Hong Kong) Limited), FMA Austria (AMINA (Austria) AG, MiCAR)
Licence confirmed: yes, on a regulator's own list
Established: 2018
Website: www.aminagroup.com

Scores, 0 to 10

10.0Crypto-friendly bank

A FINMA licensed bank whose core business is digital assets, with a dedicated banking page for crypto miners and custody, trading, staking and loan collateral across 32 crypto assets. · source

10.0Crypto wallet and custody for a business

FINMA-licensed bank offering corporate hot and cold wallet custody with assets held off its balance sheet under Swiss law, managed in online banking with role-based access and PDF and Excel statements, as its corporate pages showed in 2026. · source

10.0Bitcoin

Companies can buy, sell, hold in cold or hot custody and transfer BTC, and use crypto as loan collateral, under its FINMA banking licence as listed on the corporate custody page. · source

10.0Ethereum

ETH and ERC-721 custody plus a staking service with MEV rewards and loans against staked assets, requested through online banking or API, per its 2026 staking page. · source

9.5Stablecoins (USDC, USDT and others)

First bank to custody and trade RLUSD in 2025, added Ripple Payments in December 2025 for stablecoin cross-border payouts, and runs a 24/7 network for USDC, USDT, RLUSD, USDG and EURC transfers. · source

9.0On-ramp: buy crypto with fiat

Business clients fund accounts in 19 fiat currencies via SIC, SEPA, SWIFT and US partner rails and buy crypto and stablecoins inside the same bank account, per its 2026 payments page. · source

9.0Off-ramp: crypto to fiat in a business account

The bank sells crypto and stablecoins for fiat inside the company account and banks exchanges, VASPs and custodians as a stated client group in 2026; outgoing CHF instant payments were still marked coming soon. · source

7.5Fintech companies that need a partner bank

The enterprise range includes client money accounts, omnibus accounts and virtual IBANs issued in the end customer's own name, and AMINA handles onboarding and KYC for payment firms that hold no licence themselves. · source

7.5Startups & VC-backed companies

A zero fee Startup package for companies under five years old or with funding up to CHF 10 million, backed by a Web3 partnership programme connecting startups to 17 specialist partners. · source

7.0Best interest on business balances

Fixed term deposits from 50,000 pay an indicative 3.90% to 4.10% in USD and 2.20% to 2.40% in EUR, and the stablecoin rewards account pays up to 3.5% on USDG and RLUSD, while current accounts pay 0% AER. · source

6.5Europe (EU, EEA, Switzerland)

Swiss FINMA licensed bank with EUR accounts and SEPA payments, plus AMINA (Austria) AG, which received a MiCAR crypto-asset service provider licence in October 2025 and is notified in 13 further European countries, although the EU entity offers crypto services and not bank accounts. · source

6.0Foreign-owned & non-resident companies

AMINA describes itself as a Swiss bank welcoming clients worldwide with an online corporate application, but its products are licensed only in Switzerland and it publishes no list of accepted countries. · source

5.5Asia-Pacific (SG, HK, AU, JP, KR)

AMINA (Hong Kong) Limited holds SFC Type 1, 4 and 9 licences, uplifted in October 2025 to cover digital asset dealing for professional investors, but that is a securities licence and not a Hong Kong banking licence. · source

5.5Cross-border payments, FX and multi-currency accounts

Corporate accounts hold 19 fiat currencies and the AMINA Payment Network settles free instant transfers in six currencies, but FX pricing is published only as available on request and each USD payment costs CHF 50. Corporate accounts cover 19 fiat currencies with bulk payments, balance and payment APIs and virtual IBANs, but every account is booked in Switzerland and there is no multi-country cash pooling. · source

5.5Fast digital onboarding

The Startup package requires no onboarding fee and no minimum funding and applications start online, but AMINA publishes no time to open an account. · source

5.5Financial strength & stability

No public credit rating and a small balance sheet with CHF 74.6 million of CET1 capital, but a CET1 ratio of 31.00%, an LCR of 384.78% and an NSFR of 200% at the end of 2025. · source

5.5Customer satisfaction

Trustpilot has no review profile for aminagroup.com. The only public rating is the AMINA Bank iOS app on the Swiss App Store, at 4.4 from just 10 ratings, which is far too thin to judge. · source

5.0Business cards (Visa, Mastercard)

The corporate package includes one free AMINA Corporate Credit Card issued by Viseca as Visa or Mastercard with a CHF or EUR 10,000 limit, additional cards at CHF 200 a year and an extra check before issue; no debit or virtual card is offered. · source

5.0Accept crypto payments

Companies can receive and send USDC, RLUSD, USDT, USDG and EURC through the bank and the AMINA Payments Network, but there is no checkout or invoicing gateway for merchants on its 2026 payments pages. · source

4.5Middle East & Gulf

The Abu Dhabi branch holds an FSRA Financial Services Permission limited to advising on investments or credit and arranging deals, credit and custody for professional clients, so it cannot take deposits itself. · source

4.5Lowest fees

The Startup package has no monthly fee, but the Corporate package costs CHF 1,000 per month unless waived, USD payments cost CHF 50 each and digital custody runs from 0.45% to 0.60% a year. · source

3.5Online businesses: e-commerce and SaaS

The corporate offering is accounts, payments, custody, trading and Viseca-issued credit cards, with no merchant acquiring, marketplace payouts or shop platform integrations. Accounts in 19 fiat currencies with bulk payments and API, a balance API and a fee-free Startup package for companies under five years old or with up to CHF 10 million of funding, but no Stripe or accounting integrations. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

AMINA publishes no list of prohibited industries on its corporate banking pages or pricing schedule, so the score is conservative. · source

1.5Trade, manufacturing & import-export

Lending is limited to loans and overdrafts secured on crypto or securities from CHF 200,000, and no letters of credit, guarantees or supply chain finance are offered. · source

AMINA Bank

Scores, 0 to 10

Sources