AMINA Bank: professional crypto dealing, custody accounts and current fees

The bank advertises 24/7 crypto dealing through online banking, mobile apps, AMINA Pro, FIX connectivity and its trading desk. It also offers negotiated European-style crypto options, including BTC and ETH structures with maturities up to 12 months. Options terms, settlement currency and collateral arrangements belong to a separate quotation; they are not the same product as an outright crypto purchase.[1]

AMINA’s dealing terms allow principal or riskless-principal execution. The quoted price can include a spread and markup; the bank does not promise the best available market price or an agency best-execution service. An order, amendment or cancellation requires the bank’s confirmation. Compare the complete executable quote and confirmation, including the currency and quantity, rather than treating an indicative screen price as a completed trade.[2]

The current Silver, Gold and Platinum PDFs linked from the legal-document index publish package, custody and payment charges, while crypto and FX dealing are quoted on request. Obtain the applicable spread or markup before placing an order. The PDFs do not print a new effective date; their upload paths do not establish contractual commencement dates.[11][34]

Custody fees use the preceding quarter’s average daily valuation and are billed in arrears. Charges apply separately to Trading Accounts, hot wallets and cold wallets. VAT and potential external charges are additional. This makes both the size and location of a holding relevant to the total cost.[10]

The funding guide gives a CHF workflow through web or mobile banking; other currencies require the client-management team. The general terms permit conversion when the relevant currency account is absent, using CHF as the default reference unless agreed otherwise. Check the receiving account currency.[17][8]

Approved hosted-account transfers and unrelated third-party payments are different cases. AMINA’s guide names providers including Coinbase, Kraken, Bitstamp, Sygnum, Swissquote and Revolut, but requires evidence that the sending account is the client’s own. It directs that evidence to its exchange-verification email with the relationship manager copied. An approved provider name does not dispense with ownership verification.[16]

The general terms describe Trading Account balances as contractual claims without rights to specific coins and allow movements between storage and trading balances. The custody factsheet’s segregation definition includes pooled addresses allocated internally to clients; the contractual location matters alongside the blockchain address.[8][7]

AMINA describes multiparty computation, controlled key storage and external assurance for its custody service. It also refers to professional-indemnity and cyber insurance. The public summary does not establish an unlimited guarantee for every client asset or a specific customer-level payout. The policy, exclusions and claim allocation would be needed to assess a particular insured loss.[20]

The early-access mobile-app guide lists download availability across selected European countries, Switzerland and the UAE, while saying existing clients can manage accounts day to day around the world. App-store distribution is a device-access rule, not a list of countries from which every resident can open an AMINA account. The customer’s accepted bank contract remains the relevant eligibility decision.[22]

To replace an authentication device, the support guide requires a new FinSign activation code or, for the early-access platform, a new activation QR code. The relationship manager or account-management team supplies it. No fixed automatic withdrawal-freeze duration after replacement was established in that guide.[23]

The trading terms recognise agreed electronic and telephone channels, but treat email, text or other written instructions as refused unless specifically accepted. During an access problem, contact the bank through the agreed dealing route and obtain confirmation. Sending an email does not by itself establish that an urgent cancellation or closing trade has been accepted.[2]

FINMA’s current list identifies AMINA Bank AG, Zug, as a Swiss bank. This profile’s account architecture and package tariffs refer to that Swiss relationship.[26]

SEBA Bank changed its name to AMINA Bank on 1 December 2023. The announcement said the legal structure, company registration and existing contractual relationships continued through the name change. The business was founded in 2018 and obtained its Swiss banking licence in 2019. SEBA and AMINA therefore should not be counted as two independent exchanges in a profile directory.[29]

Operator

AMINA Bank AG

Exchange model

Centralised

Service scope

Direct Swiss bank crypto dealing with web, mobile, desk and API channels; derivatives and institutional services have separate terms.

Client types

Professional clients; Institutional clients

Pricing publication

Public and quoted pricing

Other names

SEBA Bank

Headquarters

Zug, Switzerland

Covered jurisdictions

Switzerland

Pricing scope

Current linked package and custody tariffs are public; crypto and FX dealing prices are on request.

Funding scope

Fiat bank payments and supported crypto transfers with wallet-control or hosted-account verification.

Custody and asset handling

Bank-controlled custody. The published matrix labels hot and cold storage segregated and the Trading Account non-segregated.

Client eligibility

The Swiss individual application accepts professional clients under its stated wealth and experience tests; residence and product restrictions apply.

Support

Relationship manager and account-management team, with separate authentication-recovery and withdrawal-verification workflows.

Authorisation and registration scope

FINMA lists AMINA Bank AG as a Swiss bank. The Austrian MiCAR entity and ADGM branch have different legal service scopes.

Exchange metadata checked 21 Oct 2026Source 1Source 21Source 7Source 12Source 16Source 9Source 10Source 11Source 23Source 18Source 26Source 27Source 28

Staking changes the availability of a balance. AMINA’s current network table gives indicative exit periods such as approximately three days for SOL, 28 days for DOT and 21 days for ATOM; network queues and conditions can affect timing. Do not use an indicative annual reward rate as a promise of a fixed return or instant access.[31]

The staking terms say rewards depend on receipt from the network, with fees deducted before crediting. Slashing can reduce or eliminate staked assets, and the bank is not obliged to replace those losses. During a lock-up, the client cannot dispose of the assets or demand an early refund. These conditions differ materially from simply holding the same token in a readily transferable wallet.[32]

API access is a contractual integration, not proof that every account has the same execution or payment permissions. The public description includes money-movement functions, making the approved scopes and authorisations consequential. No general customer-facing autonomous AI trading entitlement was established by the reviewed service documentation.[30]

Annual tax documents are account records, not confirmation that all reporting obligations in a customer’s country are completed. Download each relevant account’s file and retain the underlying confirmations and transfer history, especially where assets move between wallets, platforms or different currencies.[25]

The general terms permit termination by either party and provide for liquidation or delivery when a client fails to supply destination instructions after notice. Legal or policy restrictions can also apply. A free package does not assure indefinite account availability.[8]