Sygnum Bank Review 2026
The world's most regulated crypto bank — for institutions
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
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BC
5.9
Sygnum Bank
The world's most regulated crypto bank — for institutionsThe gold standard in regulated crypto banking — full Swiss FINMA licence and MAS CMS licence — but exclusively for institutions and HNW clients. Not retail.
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
Sygnum Bank: Pros & Cons
✓ Pros
- ✓ World's first fully regulated digital asset bank (FINMA + MAS)
- ✓ Highest regulatory safety score of any platform reviewed
- ✓ Full Swiss banking licence — strongest possible legal protections
- ✓ Tokenization capabilities not available elsewhere
- ✓ Institutional-grade custody with insurance
✗ Cons
- ✗ Not accessible to retail users — institutional/HNW only
- ✗ High minimum account thresholds
- ✗ Complex, lengthy KYB/KYC onboarding
- ✗ Very limited coin selection (15 assets)
- ✗ No debit card or consumer app
Our Score Breakdown
5.9 / 10
Regulatory Safety 20% 10
Yield / Earn Rates 15% 7
Banking & Fiat 13% 8
Debit Card 12% 1
Fees 12% 4
Coin Selection 10% 3
User Experience 10% 5
Customer Support 8% 5
Scores are weighted composites across 8 criteria. See full methodology →
At a Glance
Max APY
10%
Coins
15
Trustpilot
N/A
Founded
2018
FDIC Insured
No
MiCA Compliant
Yes
IBAN Account
Yes
Debit Card
No
Key Features
- ▸ Full Swiss FINMA banking licence
- ▸ Digital asset custody (institutional grade)
- ▸ Crypto trading and OTC desk
- ▸ Tokenization of real-world assets
- ▸ Crypto-backed lending
- ▸ Structured crypto products (BTC yield funds 8–10%)
- ▸ Staking services for institutions
Pricing & Plans
Institutional Custom pricing
High minimum balances; bespoke fee structure
Regulatory Status
Swiss FINMA full banking licence; Singapore MAS Capital Markets Services licence
MiCA Compliant FINMA Banking LicenceMAS LicensedSwiss Regulated
Frequently Asked Questions
Is Sygnum Bank safe? +
Sygnum Bank has a regulatory status of: Swiss FINMA full banking licence; Singapore MAS Capital Markets Services licence. The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Sygnum Bank? +
Sygnum Bank currently offers up to 10% APY. Rate as of 2026-03-13. Rates change — always check the platform for current rates before depositing.
Where is Sygnum Bank available? +
Sygnum Bank is available in: EU, Asia. Markets served: Switzerland, Singapore, EU (institutional), Global institutional.
Does Sygnum Bank have a debit card? +
No, Sygnum Bank does not currently offer a debit card.
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