Bitcoin Suisse: brokerage, custody tiers, Swiss and European terms

Bitcoin Suisse combines crypto brokerage with custody, staking and relationship-manager support. It routes trades to external liquidity venues while remaining the customer’s contractual service provider. The current Swiss trading page lists more than sixty-five assets and twelve execution venues. Product access is broader than a simple buy button, but the chosen legal entity and custody arrangement determine which features and protections apply.[1]

The Swiss execution policy weighs price, cost, speed, fill probability and order characteristics. Specific instructions can override the normal execution process, and illiquid conditions can alter the relative priority of speed and price. Comparable orders normally follow their receipt sequence, with pooled partial fills allocated proportionately. Execution records can be requested, which is useful when checking a routed fill against its instructions.[6]

European terms allow Bitcoin Suisse (Europe) AG to execute as principal or as agent in its own name for the client’s account and risk, with notice before agency execution. The firm may use OTC venues outside MiCA. Its undertaking to seek completion despite a venue failure is not a guarantee of a particular price or settlement time.[9]

The Swiss schedules are headed 3 August 2026 despite their 20251101 filenames. The private quarterly custody minimum is CHF 62.50, including an empty account. Custody accrues daily and is billed quarterly. CHFAU, USDC and EURC are exempt from base custody, but segregated-account additions remain applicable.[3]

Corporate Swiss custody has the same marginal bands but a CHF 1,250 quarterly minimum. For a constant CHF 6 million balance, the base annual calculation is CHF 5 million × 0.45% plus CHF 1 million × 0.40%, or CHF 26,500 before VAT and additional services. This is a tier illustration; daily valuation changes affect the actual charge.[4]

The European private tariff dated 23 June 2026 also lists 0.95% for crypto trading and a CHF 50 minimum, but its worked trading examples use 0.70%. That internal discrepancy prevents treating the examples as an alternative private rate. Obtain the applicable confirmation before budgeting a trade. European corporate terms separately publish 0.70% and a CHF 1,250 quarterly custody minimum.[7][8]

European private custody uses daily CHF valuations and quarterly billing, with any fee-account conversion at the final day’s end-of-day rate. The published private tariff lists a CHF 62.50 quarterly minimum and a 0.10% Proof Wallet supplement. Its staking charge is 15% of rewards, paid in the rewarded asset. The Swiss Vault supplement is not listed here.[7]

Swiss deposits above CHF 250,000 require at least one business day’s notice and express written approval before sending. Swiss terms also reserve conversion of deposited fiat into a corresponding stablecoin after advance notice; the client bears depegging risk. Confirm the intended balance type before transferring.[5]

European custody policy requires ownership checks for external wallet addresses and Travel Rule information. The transfer instruction must therefore satisfy more than a matching blockchain address. Manual transfers receive a four-eyes check. The policy gives no universal external-delivery deadline, and internal availability for trading does not establish that a withdrawal has already been released.[10]

European terms permit the firm, at its discretion, to execute despite insufficient funds. If this produces an overdraft, the contractual rate is 5% a year and the shortfall must be settled within three business days. This payment obligation does not establish a standing margin facility.[9]

Withdrawal charges and service minimums make the intended exit route relevant at onboarding. An internal move between one client’s accounts differs from an external crypto or bank transfer. The Swiss corporate tariff also allows an account-closing charge of up to CHF 500, and a crypto-asset-event charge up to 15%, with a CHF 50 minimum excluding VAT.[4]

The Swiss custody page says more than 95% of crypto is held in separated arrangements, with temporary pooled assets backed by a Swiss-bank default guarantee. Its audit and security statements describe the provider’s controls; they are not an independently verified insurance policy promising a fixed payout for every type of loss.[2]

Swiss GTCs distinguish separated-asset return claims from the default guarantee for qualifying pooled crypto and fiat. Exempt clients and assets, including some collateral and settlement balances, can fall outside protection. Covered bankruptcy claims become CHF claims, submitted to the guarantor by day 360. The account’s coverage statement is therefore essential; this is not blanket insurance.[5]

The European custody summary says client assets are segregated from company assets through dedicated or client-omnibus wallets, with internal records identifying each customer’s entitlement. It describes mainly cold storage, a smaller operational hot balance and no delegation of custody to a third party. Client assets cannot be used for the firm’s own purposes without explicit prior consent.[10]

Security controls include authenticator-based two-factor authentication and an additional email confirmation for withdrawals. The published pages describe company controls rather than a promise that every account recovery completes within a fixed time. Keep the registered channels current and establish how recovery affects pending withdrawals before relying on an urgent external transfer.[23]

The Swiss application specifies CHF 50,000 of assets for a private relationship and CHF 500,000 for a corporate one. Onboarding asks for email and phone details, an identity document, tax identification and video verification. Entry capital is distinct from the CHF 50 minimum trading charge: satisfying an order minimum does not remove the relationship’s asset requirement.[21]

The detailed European application steps specify EUR 50,000 for individuals and EUR 500,000 for corporations, while the same page’s headline uses CHF. Confirm the contractual entry currency with the European team; residence and product approval still apply.[22]

The European agreement excludes US persons and requires advance notice before a customer becomes one.[9]

The private European schedule distinguishes lost contact from simply pausing trading. Its CHF 300 quarterly contact-loss fee requires two years of inactivity together with failure to reach the customer using the last supplied contact details. Ordinary custody minimums can still apply while an accessible account is unused. Keeping contact information current and closing the relationship are separate actions.[7]

On Swiss closure, provide a whitelisted external address. If it is not supplied within thirty calendar days, the terms permit conversion of remaining crypto at the prevailing market price and payment to the bank account; trading and closing charges may apply.[5]

The contact pages do not label a time zone for those office hours. Twenty-four-hour online trading does not imply that a relationship manager is continuously available. European instructions sent outside the online tools are accepted only after written or otherwise text-verifiable confirmation; sending a message during an outage is not itself proof that an order has been accepted.[24][9]

The European complaints policy provides free internal handling. Include registered contact details, the affected service, facts, dates and supporting documents. It targets an update within five working days and resolution within fifteen working days, with notice if more time is needed. Unresolved matters may be taken to Liechtenstein’s financial-services mediation office or the FMA; those are different routes from the company’s internal service desk.[12]

For Swiss financial-instrument complaints, the company notice directs clients to complain internally and request a written response before approaching FINOS, the Swiss ombudsman. That stated route is scoped to financial instruments; it should not be assumed to adjudicate every crypto or operational dispute.[30]

FMA Liechtenstein’s 23 June 2026 notice confirms authorisation on 22 June for Bitcoin Suisse (Europe) AG, UID FL-0002.600.023-9. The six listed services are custody, exchange against funds, crypto-to-crypto exchange, execution, reception/transmission of orders and transfers. This exact legal-entity permission supports the European service; it should not be attributed to Bitcoin Suisse AG in Switzerland.[27]

The European regulatory notice identifies LEI 5067009TZLDD94Q3W662 and says a host-state passport list is available on request. It explicitly states that crypto holdings are not bank deposits and do not benefit from deposit-guarantee or investor-compensation schemes. Services outside MiCA do not acquire those protections merely because the provider also holds a CASP authorisation.[11]

Bitcoin Suisse AG’s company notice identifies VQF membership 100072 for Swiss anti-money-laundering supervision. It describes VQF as a FINMA-recognised self-regulatory organisation; that is different from a bank licence issued to Bitcoin Suisse. The notice also describes execution-only service, without personal investment advice or portfolio management.[30]

The Swiss legal page’s fiat-processing reference could not be reconciled with a current primary corporate record during this review. Confirm the payment counterparty from the banking instruction and agreement. The unresolved processor reference is not treated here as a separate current exchange operator.[29]

Bitcoin Suisse AG’s imprint identifies the Swiss entity by UID CHE-472.481.853 and gives its address as Theilerstrasse 1a, 6300 Zug. The group’s history dates its foundation to 2013 and describes a relationship-manager model alongside its online platform. The commercial model combines account service with self-directed execution.[25][28]

The European business is a separate Liechtenstein company, established in 2018 and launched under its CASP permission in June 2026. Its launch announcement presents trading, custody and staking as the core offering. A European account should use its own tariff, agreement and complaint address even when the brand and application resemble the Swiss service.[26]

The security page dates its custody figure of CHF 3 billion and staking figure of CHF 1.5 billion to January 2026. These are company-reported asset balances, not daily trading turnover or active-user totals. Other landing-page figures differ, so the dated, scoped values are more useful than presenting a single undated group-volume claim.[23]

Operator

Bitcoin Suisse AG; Bitcoin Suisse (Europe) AG

Exchange model

Centralised

Service scope

Crypto brokerage with venue routing, custody and staking; Swiss and European contracts have separate terms.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Published private/corporate tariffs; lending rates and negotiated arrangements require individual terms.

Funding scope

Bank and supported crypto transfers; large Swiss deposits require advance approval.

Custody and asset handling

Swiss and European custody use company-managed keys and segregated arrangements.

Client eligibility

Minimum-asset entry requirements and country approval apply.

Support

Relationship managers, Swiss and European contacts, and a separate European complaints process.

Authorisation and registration scope

Bitcoin Suisse (Europe) AG holds Liechtenstein CASP authorisation; this does not establish the Swiss entity as a MiCA provider or bank.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 3Source 5Source 6Source 9Source 10Source 12Source 17Source 19Source 21Source 22Source 24Source 26Source 27Source 28

Staking supports several proof-of-stake networks and offers optional compounding for most supported assets. Advertised yields are variable; the page’s August 2026 observation is not a fixed future return. Swiss staking terms make entry, exit and reward allocation subject to protocol annexes, restrict withdrawal during lockups and place slashing risk with the client. Rewards are not guaranteed.[19][20]

Swiss crypto-backed borrowing starts at CHF 100,000, with three-, six- or twelve-month maturities, fixed agreed interest and quarterly payments. Borrowing currencies include CHF, EUR, USD and selected crypto. Collateral remains locked until maturity unless replaced under the agreement, with continuous monitoring. Current borrowing rates, loan-to-value limits and margin-call thresholds require an individual quotation; the public page does not supply a universal tariff.[17]

The separate lending offering matches a lender’s CHF, EUR or USD with a collateralised borrower. Funds are allocated after collateral is provided, and the collateral can be liquidated following margin requirements. The product page’s yield illustration is dated October 2024; it is not a current October 2026 deposit rate or a guaranteed return.[18]

The mobile app supports trading, custody and staking with biometric login on iOS and Android. Its published asset and pair counts describe the app’s scope, not proof that every order type has identical controls on every device. The reviewed guide does not establish cross-device chart-layout persistence.[13]

API services cover trading, staking, custody and reporting, with activation through a relationship manager. Reporting can include orders, transactions, balances and staking rewards across client accounts. The European custody policy separately promises statements at least every three months and on request; neither description establishes that a report is a completed country-specific tax return.[14][10]

API secrets are shown once; keys expire and can be deleted. Permission changes require the relationship-manager process. The documentation does not say that deleting a key cancels existing orders. The REST limit is twenty requests per second per IP address, with HTTP 429 for excess traffic. These controls govern automation access, not an AI adviser’s discretionary mandate.[15][16]