Can I Buy Bitcoin with Swissquote?

Yes, we have tested Swissquote as a simple Swiss-based route for buying BTC and other coins within a regulated brokerage account. You get access to 50 cryptocurrencies, and Swissquote Bank Ltd is a Swiss bank supervised by FINMA, making it a trusted way to get started.

Swissquote’s crypto fees are dynamic. If you have not traded crypto in the last 30 days, you start at 1% maker and 1% taker. You can check your real time tier and pricing inside the platform before placing the order. 

For active traders, regulated crypto-specific exchanges in Switzerland are usually cheaper, so Swissquote only makes sense if you value the Swiss bank wrapper. 

Swissquote Crypto Trading Fee Schedule

Swissquote uses a dynamic maker-taker model based on your rolling 30 day crypto volume. If you have not traded crypto in the last 30 days, you start at Standard I (1% maker, 1% taker), and your tier adjusts as you trade. 

You can check your tier in Crypto Hub (Web) or on the Trade Mask order ticket by clicking the info icon.

Maker Taker tiers (30 day volume in USD):

• Standard I: 1% / 1%
• Standard II (6,000): 0.90% / 0.95%
• Premium I (25,000): 0.80% / 0.90%
• Premium II (60,000): 0.70% / 0.80%
• Premium III (150,000): 0.60% / 0.70%
• Prime I (600,000): 0.50% / 0.60%
• Prime II (1,500,000): 0.40% / 0.50%
• Prime III (4,000,000): 0.25% / 0.35%
• PRO I (15,000,000): 0.15% / 0.25%
• PRO II (60,000,000): 0.08% / 0.18%

Two extra costs matter. Swissquote charges a quarterly custody fee of CHF 20 to CHF 50 based on assets (crypto included), and on-chain withdrawals are USD 10 for many coins, with USD 15 common for Ethereum network tokens like USDT and USDC.

How to Buy Crypto with a Swissquote Alternative

If you want lower trading fees and a bigger coin selection than Swissquote, we recommend Kraken. It is built for active spot trading, and you can fund it from Switzerland in CHF using a domestic-style bank transfer flow. 

Kraken is licensed under the EU’s MiCA framework by the Central Bank of Ireland, lists 500+ tokens, and Kraken Pro uses a maker taker fee model that can cost up to 0.40% per trade. For Swiss users, the cleanest funding route is a CHF SIC bank transfer through Kraken’s Bank Frick rail (or EUR SEPA if you already hold euros). 

Follow these simple steps to purchase crypto on Kraken:

1. Create an Account: Sign up on Kraken and complete verification with your passport or driver’s licence.
2. Deposit CHF or EUR: Add funds using CHF SIC (Bank Frick) or EUR SEPA deposit details shown in your Kraken funding page.
3. Choose a Cryptocurrency: Search for BTC, ETH, SOL, or any supported token.
4. Execute the Trade: Place the order on Kraken Pro, review the fee on the ticket, and confirm the purchase.

Does Swissquote Offer Crypto Staking?

Yes. We found Swissquote supports staking on a short list of proof of stake assets: Ethereum (ETH), Polkadot (DOT), Solana (SOL), and Cardano (ADA). 

Swissquote advertises rates up to 2.5% (ETH), 10% (DOT), 6.24% (SOL), and 2.4% (ADA). You can start from Crypto Hub > Staking, enter the amount, then tap Stake.

The constraints are selection and risk. Yields change with network conditions and validator economics, rewards are not guaranteed, and Swissquote’s disclosures warn about penalties and that unstaking can take time, plus legal uncertainty if a custody provider fails.

Swissquote Deposits and Funding Tips (CHF vs EUR)

Crypto trades on Swissquote usually settle in EUR (or USD), so funding in CHF often adds an extra FX step. When we buy BTC through Swissquote, we load EUR first so the trade ticket is clean and the final cost is easier to track.

• Pick the right deposit rail: Use CHF bank transfer if you are starting from a Swiss account, or EUR SEPA if you already hold euros. Card top ups work, but they are rarely the cheapest for bigger buys.
• Convert CHF once, not ten times: If you deposit CHF, convert to EUR in one go, then trade. Repeated small conversions stack FX costs and make PnL messy.
• Confirm the trading cash currency: Before you click Buy, check your cash balance is actually in EUR (or USD) and not just pending in CHF.
• Watch settlement and value date: Do not place the crypto order while funds are still settling. A temporary negative cash balance can trigger debit interest.
• Do a small test first: For first deposits and first crypto buys, a small test transfer helps you confirm beneficiary details, internal limits, and timing.

If your goal is clean execution with minimal surprises, deposit CHF, convert to EUR once, wait until the EUR balance is fully available, then place the trade.

About Swissquote

Swissquote is a Swiss online bank and multi asset broker that lets clients trade and invest across stocks and ETFs, forex and CFDs, and crypto products from one account, alongside day to day banking features and its mobile trading platforms. 

As of 31 December 2024, Swissquote reported 650,089 customer accounts, reflecting its scale in Switzerland and Europe.

Final Thoughts

Swissquote is a strong pick if you want to buy Bitcoin inside a FINMA-supervised Swiss bank account, but it works best for buy and hold, not active trading. 

Before you trade, check your maker-taker tier in Crypto Hub, hold EUR or USD to avoid repeated CHF FX costs, and include custody plus withdrawal fees if you plan to move coins on-chain. 

If you trade often or want more tokens and tighter pricing, keep Swissquote for your traditional investing, and buy crypto on Kraken instead. Fund Kraken with a CHF bank transfer, start with a small test deposit, then place the trade on Kraken Pro after checking the fee on the order ticket.