PostFinance has expanded its crypto offering by six additional digital currencies. As of February 17, 2026, customers can trade Algorand (ALGO), Arbitrum (ARB), NEAR Protocol (NEAR), Stellar (XLM), USDC, and SUI via E-Finance and the PostFinance App. In total, the offering now comprises 22 cryptocurrencies.
Demand since the launch in February 2024 speaks for itself. Customers opened more than 36,000 crypto custody accounts and executed over 565,000 trades, according to the bank. PostFinance was the first systemically important Swiss bank to offer its customers direct access to cryptocurrencies in 2024. With roughly 2.5 million customers, the institution reaches about a third of the Swiss population.
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From 11 to 22 assets in two years
This expansion follows a clear trajectory. In February 2024, PostFinance launched with 11 cryptocurrencies, including Bitcoin and Ethereum. Five more were added in July 2024. Subsequently, the bank introduced Ethereum staking in January 2025. Now comes the largest expansion yet, with six new additions.
The inclusion of USDC stands out. PostFinance is adding a stablecoin to its lineup for the first time. USDC tracks the US dollar, allowing customers to hold a digital dollar position without direct price volatility. Meanwhile, the other five additions are Layer-1 and Layer-2 protocols with different technical focuses. Specifically, Algorand and Stellar focus on payment infrastructure, NEAR and SUI on scalable smart contracts, and Arbitrum on Ethereum scaling.
The minimum investment remains at 50 US dollars. Crypto savings plans work analogously to fund savings plans, and trading runs around the clock. For custody and technical infrastructure, PostFinance partners with FINMA-regulated crypto bank Sygnum.
"Our customers want to trade cryptocurrencies with their trusted primary bank. That is exactly what we deliver, and we are consistently investing in further expanding our offering." - Dr. Alexander Thoma, Head of Digital Assets, PostFinance
Swiss banking market remains divided
PostFinance's crypto strategy contrasts with the reluctance of other major banks. UBS still does not offer crypto products for retail clients. Julius Baer does provide direct token investments and access via ETPs, but targets wealthy clients. Swissquote and Dukascopy cater more to trading-oriented users. Neobank Yuh also offers crypto trading with a 1 percent fee.
PostFinance thus occupies a specific niche in regulated crypto trading for the mass market. A minimum entry of 50 US dollars, integration into the existing banking app, and the trust of a state-controlled bank appeal to customers. Those wanting to try cryptocurrencies do not need to register with specialized crypto exchanges. In total, 36,000 opened custody accounts among 2.5 million customers represent a penetration rate of just under 1.5 percent. For a product that has been on the market for only two years, this signals solid growth potential.
Retail customers prefer XRP over Ethereum
The trading distribution so far provides revealing insights into the behavior of Swiss retail customers. Bitcoin dominates with 35 percent of all trades. Second place goes not to Ethereum but to Ripple (XRP) at 23 percent. Ethereum comes in at just 11 percent.
Among PostFinance customers, XRP is twice as popular as Ethereum. This diverges significantly from institutional portfolios, where Bitcoin and Ethereum typically dominate. For retail customers, lower unit prices (unit bias) and media attention play a bigger role. XRP benefits from a particularly active community in the German-speaking region.
