AMINA Bank vs Xapo Bank: what each publishes
As of October 17, 2026, AMINA Bank takes these industries by its own published rules: Crypto, with conditions; Unlicensed financial services, with conditions. Xapo Bank: Crypto, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
AMINA Bank
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- United Arab Emirates
- Developed Asia-Pacific
- Other
The regions its own documents name, read on October 9, 2026
Xapo Bank
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | AMINA Bank | Xapo Bank |
|---|---|---|
| Crypto | With conditions | With conditions |
| Unlicensed financial services | With conditions | No published rule |
| iGaming | No published rule | Depends on the activity |
| Adult | No published rule | No |
| Marketplace | No published rule | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
Where owners must live
AMINA Bank
No published rule
Xapo Bank
No published rule
Rules about countries
AMINA Bank
No published rule
Xapo Bank
Xapo Bank is unable to onboard institutions that are registered, operating or controlled by persons located in countries that Xapo Bank deems to be high-risk
You may register a user account, access and use our Services as an individual or on behalf of a corporation, partnership, limited liability company, or business entity of any kind established under the laws of Gibraltar or a foreign jurisdiction other than the United States of America (collectively, “Entity”).
Fees
AMINA Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| AMINA Startup | Free | Free | · Source |
| AMINA Corporate | Free | Waived if the business holds CHF 10M in assets, CHF 2.5M in loans or CHF 20M in trading volume; otherwise CHF 1,000 | · Source |
Xapo Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Institutional | Not stated | Annual Platform Fee set per client, also payable monthly ('An Annual Platform Fee (also payable monthly) will apply based on your specific requirements'); no minimum balance ('There is no minimum balance required for these accounts or wallets') | · Source |
Closing an account
AMINA Bank
Either of the Client or AMINA is entitled to terminate the business relationship with immediate effect and to terminate or call in any credit facility approved or drawn down unless expressly agreed otherwise.
Xapo Bank
18.5 Xapo Bank is entitled to close your Xapo Account and terminate our Agreement by providing you with two months’ written notice.
Licence
| Licensee | AMINA Bank | Xapo Bank |
|---|---|---|
| Licensee | AMINA Bank AG · Swiss bank licensed by FINMA · ADGM branch regulated by the FSRA · AMINA (Austria) AG · MiCAR crypto-asset services | Xapo Bank Ltd · credit institution regulated by the Gibraltar Financial Services Commission (Financial Services Act 2019) · some services passported to the UK |
| Regulator | FINMA · | Gibraltar Financial Services Commission · |