Switzerland is one of the most crypto-friendly countries in the world, often called “Crypto Valley” because of its strong support for digital currencies, like Bitcoin, Ethereum, and USDT.
Many businesses now accept crypto payments for shopping, dining to booking hotels, and using public transport.
A big improvement in using crypto in Switzerland is the Lightning Network, which makes Bitcoin payments faster by skipping the slow blockchain process. Many shops, even small local stores, now accept Bitcoin this way. You can often spot a sticker at their entrance showing they take Bitcoin.
Additionally, these stores or businesses use a merchant acquirer service that allows them to accept Bitcoin payments.
While cryptocurrency is regulated in Switzerland, it is generally considered an asset (wealth) rather than a currency. This means taxing similarly to stocks and other financial assets.
| S/N | Best Places to Spend Crypto in Switzerland | Category |
| 1 | Digital Galaxus | Retail Store |
| 2 | Manor | Retail Store |
| 3 | Café Schober | Restaurants and Cafés |
| 4 | The Dolder Grand | Hotel and Resort |
| 5 | Swiss Diamond Hotel | Hotel and Resort |
| 6 | The Chedi Andermatt | Hotel and Resort |
| 7 | Lugano’s “Plan ₿” | Transport / Taxes / Tickets |
Retail Store
Source: Freepik
Digitec Galaxus
Digitec Galaxus is Switzerland’s largest online retailer, offering a wide range of products, including electronics, home appliances, fashion, sports gear, and more. The company operates two main platforms:
- Digitec.ch – Specializes in electronics, computers, and gadgets.
- Galaxus.ch – Offers a wide variety of products, from household items to fashion and beauty.
Manor
Manor is Switzerland’s largest department store chain, offering a wide range of products, including:
- Fashion & Accessories – Clothing, shoes, and luxury brands.
- Beauty & Cosmetics – Perfumes, skincare, and makeup.
- Home & Living – Furniture, kitchenware, and decor.
- Electronics & Toys – Gadgets, gaming, and children’s toys.
- Groceries – Gourmet food, wines, and household essentials.
With over 50 locations across Switzerland, Manor is a go-to shopping destination for locals and tourists.
Restaurants and Cafés
Source: Freepik
Café Schober
Café Schober, also known as Peclard in Schober, is one of Zurich’s most famous and historic cafés. Located in the heart of the Old Town (Niederdorf district), it is known for its elegant interior, delicious pastries, and rich coffee culture.
The café has been serving guests for over a century and offers a mix of Swiss, French, and Viennese-style baked goods and chocolates.
Hotel and Resort
Source: Freepik
The Dolder Grand
The Dolder Grandis one of Switzerland’s most prestigious hotels, offering five-star luxury, breathtaking views, and world-class service. Located onAdlisberghill above Zurich, it combines historic charm with modern elegance, making it a top destination for travelers seeking relaxation, fine dining, and exclusive spa experiences.
Swiss Diamond Hotel
Swissôtel is a luxury hotel brand known for its Swiss hospitality, modern design, and high-quality service. The brand operates hotels in major cities worldwide, including Switzerland. Swissôtel hotels focus on comfort, sustainability, and excellent customer service, making them popular among business and leisure travelers.
Swissôtel has operated hotels in Zurich and Basel, but some locations may have rebranded or changed ownership. One of the most well-known locations was:
- Swissôtel Zurich – Previously located near Oerlikon, offering business-friendly services and easy airport access.
To find the latest Swissôtel locations in Switzerland, you can check their official website: www.swissotel.com
Read Also: Best Places To Spend Crypto In Poland
The Chedi Andermatt
The Chedi Andermatt is a five-star luxury hotel nestled in the Swiss Alps, blending Asian-inspired design with Swiss hospitality. It is one of Switzerland’s most exclusive mountain resorts, known for its elegance, world-class service, and breathtaking surroundings.
It has a perfect mix of modern comfort and traditional chalet charm. A 2,400 m² spa with an indoor & outdoor pool, saunas, and holistic treatments. Spacious accommodations with fireplaces, large bathtubs, and stunning mountain views.
Transport / Taxes / Tickets
Source: istock
Lugano’s “Plan ₿”
Lugano’s “Plan ₿” is an ambitious initiative launched in March 2022 to establish Lugano as a global center for Bitcoin and cryptocurrency adoption. The project is a collaboration between the City of Lugano and Tether, aimed at integrating crypto into daily life and attracting blockchain businesses and investors.
Now, Citizens can use crypto for taxes, parking tickets, public services, and even tuition fees.
Tools for spending crypto in Switzerland
Switzerland is one of the most crypto-friendly countries in the world, offering various ways to spend digital currencies like Bitcoin, Ethereum, and USDT. Whether you’re shopping, dining, or traveling, several tools make it easy to use crypto for everyday transactions.
Here’s a simplified guide to the best tools for spending crypto in Switzerland.
Crypto Debit Cards
Crypto debit cards allow you to spend your digital assets like regular money by converting them into Swiss Francs (CHF) or other fiat currencies.
Crypto-Friendly Online Payment Platforms
Many e-commerce sites in Switzerland now accept crypto payments via platforms that integrate with their stores.
CoinGate – Used by online retailers to accept Bitcoin and other cryptocurrencies.
BitPay – Enables crypto payments for large merchants.
NOWPayments – A user-friendly option for e-commerce businesses.
Bitcoin ATMs
If you prefer cash but have crypto, Bitcoin ATMs allow you to withdraw Swiss Francs using your digital assets.
Where to Find Bitcoin ATMs:
- Available in major cities like Zurich, Geneva, and Basel.
- Check platforms like Coin ATM Radar for locations.
Merchant Payment Solutions
Many Swiss businesses accept crypto thanks to payment processors that convert digital currencies into CHF. Additionally, the store or business you’re buying from must have a crypto wallet or use a merchant acquirer service that allows them to accept Bitcoin payments.
Crypto Wallet
Crypto wallets are a simple way to spend digital currencies. Many modern wallets, like UPay, let users pay for goods and services directly without converting crypto into regular money first.
Tips for Spending Crypto in Switzerland
Source: Freepik
Using crypto for daily expenses requires some planning. Here are some key tips to make your crypto transactions smooth and hassle-free.
Choose Crypto-Friendly Businesses
Not all stores and restaurants accept crypto, so look for businesses that do. Choose a business that offers easy crypto transactions and has low crypto exchange fees.
Use a Crypto Payment App
Crypto payment apps such as UPAy, BitPay and Crypto.com Pay let you pay merchants directly in digital currencies without needing a debit card.
Be Aware of Transaction Fees
Crypto transactions may include fees, depending on the network and payment method.
- Use Lightning Network for fast, low-cost Bitcoin payments.
- Choose a wallet with low transaction fees.
- Pay during non-peak hours when network fees are lower.
Use Bitcoin ATMs for Cash Withdrawals
If a business doesn’t accept crypto, you can withdraw cash from a Bitcoin ATM.
How to Find Bitcoin ATMs in Switzerland:
- Over 130 Bitcoin ATMs are available in major cities like Zurich, Geneva, and Basel.
- Use websites like Coin ATM Radar to locate the nearest ATM.
Keep Your Crypto Secure
Security is important when spending digital currencies.
How to Stay Safe:
- Use trusted wallets like UPay, Ledger, Trezor, or MetaMask.
- Enable two-factor authentication (2FA) for extra protection.
- Avoid making payments on public Wi-Fi to prevent hacking.
- Always double-check the recipient’s wallet address before confirming a transaction.
Understand Crypto Regulations in Switzerland
Switzerland has clear regulations for crypto transactions, but it’s important to stay informed.
Key Points to Know:
- Taxes: Crypto payments may be subject to capital gains tax.
- Reporting: If you use crypto frequently, you may need to report it for tax purposes.
- Legal Use: Ensure you’re using crypto for legal purchases only.
Challenges in Spending Crypto in Switzerland
Source: UPay blog
Switzerland is one of the most crypto-friendly countries, but using digital currencies for everyday purchases still comes with challenges. Here are some key obstacles you might face when spending crypto in Switzerland.
Limited Merchant Acceptance
Even in a progressive country like Switzerland, not every store or service accepts cryptocurrencies. While major retailers and some restaurants may allow crypto payments, many traditional businesses still prefer fiat currency. This means you might need to search for crypto-friendly merchants or use alternative payment methods.
Transaction Fees
Crypto transactions sometimes include fees that vary depending on network traffic and the specific cryptocurrency you’re using. High fees can add up, especially during busy periods or when making multiple small transactions. It’s important to keep an eye on fees and choose the best time or method to make your payments.
Regulatory and Tax Issues
Switzerland has clear regulations regarding cryptocurrencies, but the rules can still be complex. Spending crypto might have tax implications, and you may need to keep detailed records of your transactions for tax reporting. This extra layer of bureaucracy can be confusing for those new to the crypto space.
Security Risks
Crypto wallets and exchanges are generally secure, but there are risks involved. Errors such as sending funds to the wrong address, falling victim to phishing scams, or losing access to your wallet can result in permanent losses. Always double-check your transactions and use strong security practices like two-factor authentication.
Technology Barriers
Using cryptocurrencies often requires a bit of technical know-how. Setting up a digital wallet, understanding how blockchain works, and navigating crypto payment apps can be challenging for those who aren’t familiar with the technology. Taking time to learn the basics can help you overcome these hurdles.
Read Also: Best Places to Spend Crypto in Malaysia
Conclusion
Switzerland is one of the best places in the world to spend cryptocurrency, thanks to its crypto-friendly businesses and advanced digital payment systems.
However, it’s always a good idea to check if a business still accepts crypto before making a purchase. Using tools like crypto debit cards, payment apps, and Bitcoin ATMs can make transactions easier. As crypto adoption continues to grow, spending digital currencies in Switzerland will only become more convenient.
If you’re a crypto enthusiast, Switzerland is a great place to explore and enjoy spending your digital assets!
FAQs
Where can I spend crypto in Switzerland?
You can use crypto at select retail stores, restaurants, hotels, and online shops. Popular places include Digitec Galaxus, Manor, The Chedi Andermatt, and some train ticket machines.
Can I pay for hotels in Switzerland with crypto?
Yes! Luxury hotels like The Chedi Andermatt and The Dolder Grand accept Bitcoin and other cryptos for bookings.
Can I use crypto to pay for public transport in Switzerland?
Some SBB ticket machines allow Bitcoin payments, and Lugano is working on integrating crypto payments for public transport.
How can I find businesses that accept crypto in Switzerland?
You can use maps like CoinMap or apps like Bitcoin Suisse Pay to locate crypto-friendly businesses.
