Sygnum Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sygnum Bank keeps crypto in software custody inside a licensed digital asset bank, so it suits readers who want bank rails and named regulators rather than keys of their own. A coin list of 70 is the trade-off: the account is built for holding, trading and payments, not for a long tail of tokens.
Key facts
- Best for
- A regulated custodial account with a price of CHF 0 and bank transfer funding.
- Wallet type
- Software↗
- Price
- CHF 0↗
- Custody
- Custodial↗
- Coins supported
- 70↗
- Secure element
- FIPS-140.2 Level 3 hardware↗
- Backup options
- Recovery-service↗
- Legal entity
- Sygnum Europe AG↗
- Headquarters
- Liechtenstein↗
- Founded
- 2017 to 2018↗
- Support channels
- Email, Phone, Help-centre, Community↗
- Features
- Custodial
- Official website
- sygnum.com
Crypto exchanges
- Coins listed
- from 70↗
- Regulators
- FINMA (Swiss Financial Market Supervisory Authority), FMA Liechtenstein (crypto-asset service provider / MiCA), MAS (Monetary Authority of Singapore), ADGM Financial Services Regulatory Authority (FSRA), Finanzmarktaufsicht (FMA)↗
- Fiat deposit methods
- Bank, SEPA, ACH↗
- Derivatives
- Yes↗
- Exchange type
- Cex↗
Facts checked September 26, 2026, 10 sources
Pros and cons
Pros
- Custody is backed by FIPS-140.2 Level 3 hardware, a standard banks are held to.
- Regulated by FINMA (Swiss Financial Market Supervisory Authority), FMA Liechtenstein (crypto asset service provider / MiCA) and MAS (Monetary Authority of Singapore), so the names on the licence are public.
- Fiat deposits run through bank, sepa and ach, so funding does not need a card.
- Support covers email, phone and help centre, including a phone line.
Cons
- Custody is custodial, so the provider holds the keys and you hold a claim on the balance.
- Backup is a recovery service, so recovery is arranged by the provider rather than by a seed you write down.
- Support runs on email, phone and help centre only, so there is no live chat window.
Who it suits
- Readers who want a regulated provider behind their holdings and are comfortable with a custodial account.
- Anyone funding an account through bank, sepa and ach.
- People who would rather call or email than read forum threads.
Who should look elsewhere
- Self-custody purists: Nebeus offers self custody, so the keys never leave you.
- Anyone after a physical device: Trezor is a hardware wallet.
- Phone-first traders: Bit2Me is a mobile app, not a bank account.
How Sygnum Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.7
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0A hardware wallet, so it suits readers who want to hold the keys themselves rather than use a custodial account.
9.2 vs 8.2
9.2 vs 9.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
Where Sygnum Bank is available
- Available
- Everywhere except United States
- Licence in Switzerland
- Swiss Financial Market Supervisory Authority (FINMA), checked September 26, 2026
- Licence in Liechtenstein
- Financial Market Authority Liechtenstein (FMA) - MiCAR crypto-asset service provider authorisation, checked September 26, 2026
- Licence in Singapore
- Monetary Authority of Singapore (MAS) - Capital Markets Services and Major Payment Institution licences, checked September 26, 2026
- Licence in United Arab Emirates
- Financial Services Regulatory Authority (FSRA) of Abu Dhabi Global Market (ADGM), checked September 26, 2026
- Licence in Liechtenstein
- Finanzmarktaufsicht (FMA) (MiCA CASP 506700NPCDRP5LN89R92), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does Sygnum Bank cost?+
The price is CHF 0 and the wallet is a software one, so there is no device to buy. Support comes through email, phone and help centre, and custody sits with a licensed provider rather than with you.
Is Sygnum Bank regulated, and who holds the keys?+
It lists FINMA (Swiss Financial Market Supervisory Authority), FMA Liechtenstein (crypto asset service provider / MiCA) and MAS (Monetary Authority of Singapore) as its supervisors, and the legal entity is Sygnum Europe AG in Liechtenstein. Keys sit behind FIPS-140.2 Level 3 hardware. Because custody is custodial, the balance depends on the provider rather than on a key you hold.
How do I fund the account with fiat?+
Fiat deposits run through bank, sepa and ach, so you can arrive by bank transfer, SEPA or ACH rather than by card. The payments side of the business is what those rails are built for, and custody stays custodial once the money lands.
Which coins can I hold and trade?+
Coins supported total 70, a solid but unremarkable range for a bank-backed account. The trading venue is a cex, and in the site ranking it sits 45 of 108 on coins supported.
Can I trade derivatives through the account?+
Derivatives are offered, and the venue is a cex rather than a decentralised pool. That is the common setup on the comparison, where the share of centralised venues is 91.2%. Custody stays custodial for any position you open.
What support can I reach?+
Support runs on email, phone and help centre, which means a phone line and email rather than chat alone. There is also a help centre and a community, so self-service answers cover the basics if the queue is busy.
What happens if I lose access to my account?+
Backup runs through a recovery service, so recovery is arranged by the provider rather than by a seed phrase you keep on paper. Custody is custodial, so the same institution looks after the keys and the recovery route.
Where is the company based and licensed?+
The provider sits in LI under Sygnum Europe AG, and it lists FINMA (Swiss Financial Market Supervisory Authority), FMA Liechtenstein (crypto asset service provider / MiCA) and MAS (Monetary Authority of Singapore) across Switzerland, Liechtenstein, Singapore and Abu Dhabi. Its MiCA authorisation in Liechtenstein is MiCA CASP 506700NPCDRP5LN89R92, recorded under the FMA there.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=LI”
- sygnum.com checked September 26, 2026
Backs: Backup options, Founded
“Secure your Safe account with Sygnum's web3 wallet recovery service”
- sygnum.com/about-us checked September 26, 2026
Backs: Wallet type
“Sygnum offers clients both fiat and digital asset accounts, seamlessly integrating digital and traditional assets in one e-banking solution”
- sygnum.com/digital-asset-banking/custody checked September 26, 2026
Backs: Coins supported, Custody, Features, Secure element
“Sygnum's custody platform supports more than 70 digital assets”
- sygnum.com/digital-asset-banking/trading checked September 26, 2026
Backs: Derivatives, Exchange type
“Does Sygnum offer derivatives? Yes. Sygnum clients can access European-style OTC options and FX forwards.”
- sygnum.com/eu checked September 26, 2026
Backs: Coins listed
“>70 tokens on Sygnum banking platform”
- sygnum.com/help checked September 26, 2026
Backs: Price
“Onboarding for private individuals is free of charge”
- sygnum.com/imprint checked September 26, 2026
Backs: Support channels
“General inquiries: +41 58 508 2000”
- sygnum.com/payments checked September 26, 2026
Backs: Fiat deposit methods
“Bank payments - Domestic and international transfers through established banking networks: SEPA, SIC, SWIFT, Instant payments, (Indirect) ABA routing”
- sygnum.com/private-clients checked September 26, 2026
Backs: Regulators
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Sygnum Bank
A regulated custodial account with a price of CHF 0 and bank transfer funding.