Bank Frick

Crypto bank · Balzers, Liechtenstein

Bank Frick is a Liechtenstein bank in Balzers, owned by the Kuno Frick Family Foundation and supervised by the Liechtenstein Financial Market Authority. It banks financial intermediaries, funds, payment firms and blockchain companies rather than retail customers, and in 2018 it became the first bank in Europe to trade and hold cryptocurrencies under a banking licence. At the end of 2025 it had CHF 2,782 million of total assets, a net profit of CHF 9.2 million, a Tier 1 capital ratio of 15.3% and 302 staff. It is the only Liechtenstein bank with Visa and Mastercard acquiring licences, and the FMA gave it a MiCAR authorisation on 20 January 2026. The bank itself says its Intermediary Solutions segment, not crypto, has been its core business since 1998.

Legal name: Bank Frick AG
Regulated by: FMA Liechtenstein (Financial Market Authority), the competent supervisor named in the bank's imprint, FCA and PRA (UK branch, deemed authorised under the Financial Services Contracts Regime), DFSA (Bank Frick AG DIFC Branch, Dubai International Financial Centre)
Licence confirmed: yes, on a regulator's own list
Established: 1998
Website: www.bankfrick.li

Scores, 0 to 10

10.0Crypto-friendly bank

It was the first bank in Europe to offer professional trading and custody of cryptocurrencies in a regulated banking environment from 2018, and it names Kraken, Bitstamp, Gemini, OKX, B2C2 and Bitpanda among its partners. · source

9.5Crypto wallet and custody for a business

Its Crypto Corporate bundle gives companies a current account plus cold-storage crypto custody, now under a MiCAR authorisation from the Liechtenstein FMA granted 20 January 2026 alongside its banking licence. · source

9.5Bitcoin

Bitcoin trading and custody for corporate clients has been offered since 2018 and now runs under its 2026 MiCAR custody and transfer authorisation. · source

9.5Ethereum

ETH trading, custody and staking are listed for clients, with ERC-20 and ERC-721 token custody evaluated on request, on its blockchain banking page checked September 2026. · source

9.0On-ramp: buy crypto with fiat

Companies buy crypto against CHF, EUR or USD inside the bank, and its free xPULSE service lets clients pay crypto exchanges in its network seven days a week outside cut-off times. · source

8.5Off-ramp: crypto to fiat in a business account

The bank sells crypto into the client's fiat current account and its FAQ states it accepts transactions from crypto exchanges when supported by evidence of origin. · source

7.0Europe (EU, EEA, Switzerland)

The bank names Liechtenstein, Switzerland, Austria and Germany as core markets, says it is generally open to clients across the EEA, and serves funds domiciled in Liechtenstein or the EEA under AIFM and UCITS law. · source

7.0Fintech companies that need a partner bank

Fintech companies are named as target clients alongside asset managers and trust companies, and a crypto or blockchain company can open an account, but the bank states that it does not offer correspondent bank services. · source

7.0Stablecoins (USDC, USDT and others)

USDC has been tradable and held in custody for professional clients since May 2020 and is the only stablecoin on its current asset list; no own stablecoin or stablecoin payout product is shown. · source

6.0Online businesses: e-commerce and SaaS

Acquiring settles in 14 currencies (USD, EUR, CHF, NOK, GBP, SGD, HKD, CAD, DKK, ZAR, AUD, JPY, SEK, NZD) with by-rate, IC+ and IC++ pricing, but merchants must be registered in the EEA and MOTO transactions are prohibited. Current accounts in CHF, EUR, USD and GBP and acquiring with recurring and subscription transactions settled in 14 currencies, but merchants must be registered in the EEA and no accounting or Stripe integration is offered. · source

6.0Foreign-owned & non-resident companies

The FAQ names Liechtenstein, Switzerland, Austria and Germany as core markets, says the bank is open to clients from the whole EEA and the UK, processes clients from Canada, Singapore, Hong Kong and Kazakhstan passively and reviews other jurisdictions case by case. · source

5.5Financial strength & stability

Tier 1 capital ratio was 15.3% with equity of CHF 116.6 million and net profit of CHF 9.2 million on CHF 2,782 million of total assets at the end of 2025, and the bank publishes no credit rating. · source

5.0Cross-border payments, FX and multi-currency accounts

SEPA Instant Payments are live for sending and receiving euro in under 10 seconds up to EUR 100,000 per transaction, while SIC Instant Payments in Swiss francs are currently incoming only. The published service list covers accounts in CHF, EUR, USD, GBP and other freely convertible currencies, FX spot and forward, securities trading, Lombard loans, property financing and factoring, with no cash pooling named. · source

5.0Fast digital onboarding

Digital onboarding for all client categories was introduced in 2020, but the bank publishes no target time to open an account. · source

4.5Customer satisfaction

Bank Frick has no meaningfully reviewed public profile, because its Trustpilot page holds a single review and the bank publishes no complaint statistics. The hard signal is money leaving: net new money from individual clients was minus CHF 485 million in the first half of 2026, and assets under management fell from CHF 7.6 billion to CHF 6.9 billion in six months. · source

4.0Middle East & Gulf

Bank Frick AG (DIFC Branch) is authorised and regulated by the Dubai Financial Services Authority to provide services inside the Dubai International Financial Centre, which is a free-zone branch and not a mainland UAE bank licence. · source

4.0Startups & VC-backed companies

A confirmation of deposit of capital for a company being founded costs 0.1% of the founding capital, at least CHF 250 and at most CHF 1,000, and the fee schedule lists no venture debt or startup package. · source

4.0Business cards (Visa, Mastercard)

The fee schedule prices a Debit Mastercard or Maestro main card at CHF 50 a year, additional cards at CHF 30 and foreign ATM withdrawals at CHF 5, with no virtual cards, spend controls or credit card listed. · source

4.0High-risk verticals (iGaming, cannabis, adult, forex)

The FAQ names only MOTO transactions as prohibited for acquiring and requires EEA-registered merchants, and the bank publishes no list covering gambling, adult, cannabis or forex, so the score is conservative. · source

3.5United Kingdom

A London branch has been open since 2011, but the bank's legal page states that the UK branch is deemed authorised under the Financial Services Contracts Regime, a limited-period run-off regime for pre-existing contracts. · source

3.0Best interest on business balances

The fee schedule sets credit interest as depending on the market situation, warns that negative interest may apply by currency and balance, and requires at least CHF 200,000 for fiduciary deposits and CHF 50,000 for nostro money market investments. · source

2.0Lowest fees

Account maintenance is CHF 50 per quarter with a further minimum of CHF 500 per year for legal entities, USD payments cost 0.20% with a CHF 100 minimum, non-SEPA OUR payments carry a CHF 40 surcharge and account closing costs CHF 250. · source

2.0Trade, manufacturing & import-export

The published lending range is Lombard loans, property financing and factoring, with no letters of credit, guarantees or documentary collections listed. · source

2.0Accept crypto payments

Its acquiring service for PSPs and online merchants covers Visa, Mastercard and American Express in 14 currencies, with no crypto or stablecoin checkout listed on the page in September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.