AMINA Bank

Pricing

• •Business onlyThe monthly package fee is waived if the business holds CHF 10 million in assets, CHF 2.5 million in loans, or CHF 20 million in trading volume.
• •The monthly package fee is waived by meeting any one of three criteria, which are alternatives and not cumulative: CHF 10 million average assets under custody, CHF 2.5 million average loan volume, or CHF 20 million trading volume.
• •The annual package fee is waived by meeting any one of three criteria, which are alternatives and not cumulative: CHF 2 million average assets under custody, CHF 250,000 average loan volume, or CHF 1 million trading volume.
• •The Austrian entity markets an "AMINA EU MiCA Platinum Package", a MiCAR crypto service that is a different product from the Swiss bank's Platinum Package despite the similar name.
• •An outgoing euro payment costs CHF 50, not EUR 50: the fee schedule has no dedicated SEPA line, so euro transfers fall under "all other currency payments (excl. CHF payments inside of CH & all USD payments)", and fees quoted in Swiss francs are charged in the account-currency equivalent.
• •Fees on incoming payments are not published: the fee schedules price outgoing payments only.

Limits

• •There are no limits on cryptocurrency withdrawals or transfers, but each withdrawal is subject to a cool-down period on the withdrawal address and a verification call.
• •For companies that qualify for the card, the credit card limit is 10,000 CHF/EUR.
• •The credit card has a limit of 10,000 CHF/EUR.
• •The Platinum Card comes with a custom credit limit rather than a fixed one.

Payments & transfers

• •Fiat accounts are available in CHF, EUR, GBP, HKD and AED, with additional currencies described as coming soon; the currencies the bank supports overall are a wider set than those an account can be opened in.
• •The AMINA Payment Network settles instantly only in CHF, EUR, USD, GBP, AED and HKD.
• •Domestic, SEPA and international payments are listed on the Startup and Corporate packages, and the Corporate tier adds bulk payments and API access.
• •Swiss francs are the only currency that can be deposited and withdrawn directly from online banking or the mobile app; for every other currency the instruction goes through the relationship manager.

Cards

• •The Silver package does not include a credit card: card annual fees are included only in the Gold, Platinum and Corporate packages.

Crypto

• •The current account pays 0% AER on all five packages; yield comes from a separate product, the Stablecoin Rewards Account, which pays up to 3.5% quarterly on eligible stablecoins and requires a minimum average monthly balance of 10,000 units of an eligible stablecoin, counted coin by coin.
• •The Stablecoin Rewards Account is "available to all AMINA clients, except U.S. Persons and those resident or domiciled in the EEA". The exclusion covers that product only: an EEA resident can still open and hold the account, but cannot earn the stablecoin rewards.
• •Which digital assets are actually available varies by jurisdiction: the published list of supported coins is not a guarantee that every asset can be held by every client.

Opening an account

• •Business onlyThe Startup package is reserved to early-stage companies: startups and scale-ups less than 5 years old, or with funding of up to CHF 10 million.
• •Personal onlyAMINA states it may only serve professional clients: people holding at least CHF 500,000 in assets, excluding real estate, social security claims and pension fund assets, together with finance-related education or career, or at least CHF 2 million at their disposal.
• •The Abu Dhabi presence is a branch authorised for professional clients only and does not offer banking; Hong Kong is a licensed subsidiary, and the Austrian entity is a crypto-asset service provider under MiCAR rather than a bank.

Countries & residency

• •AMINA UK offers products and services to UK residents and the group has an office in Mumbai, but neither declares a licence of its own.

Sanctions

• •The Swiss general terms and conditions reserve the bank a discretionary right to restrict services, freeze accounts and refuse to execute orders in order to comply with sanctions and embargoes, without naming any country.

Licence & regulation

• •AMINA states that it is not licensed as a bank in any jurisdiction other than Switzerland, and that its products and services are licensed only in Switzerland and are not registered or approved outside it; the other entities of the group hold their own licences for their own activities.