
ADGM permission in place
Holds an ADGM Financial Services Permission effective 7 February 2022.
Off-hours — we reply first thing at 9:00 local. Vy is always on.
AMINA Bank (formerly SEBA Bank) is a Swiss bank authorised and regulated by FINMA, with an Abu Dhabi office operating under an ADGM Financial Services Permission effective 7 February 2022. Its offering spans crypto banking, custody, trading, staking and tokenisation.

Holds an ADGM Financial Services Permission effective 7 February 2022.

A dedicated banking package for startups and scale-ups.

A FINMA-authorised bank offering crypto accounts alongside traditional banking.

Digital asset custody with flexible access levels.

Equities, fixed income, ETFs and cryptocurrencies on one platform.

Fixed-term and 35-day notice deposit accounts for cash surplus.
Not published
The site references available fiat currencies and crypto assets but does not list them on the pages fetched.
Issued after account is funded.
Corporate card limits scale with balance and turnover.
Not published
No trade finance services stated.

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AMINA states its products are licensed in Switzerland and not registered or approved outside it.
The ADGM permission covers advising and arranging activities rather than all banking.
The client focus is institutional and professional rather than mass retail.
Digital asset clients need documented AML/CFT and wallet controls.
Crypto holdings without traceable provenance extend diligence.
Clients needing UAE domestic AED clearing and cheques are a poor fit.
Your licence route, activity, and profile affect which banks are realistic. Tell us the setup and we’ll tell you whether this bank is a fit, what the pack needs, and what to fix before submission.
Sonsoto quoted us a line-item budget for the licence, visas and the bank pack up front. Nothing crept in later. That alone was worth the fee.
I’d already been rejected by two banks. Sonsoto told me why, changed the pack, and we opened with WIO in three weeks. Straight answers, no theatre.
They caught a corporate-tax filing we were about to miss and re-scoped the renewals so we stopped paying twice for the same work. Now they run everything.
We’d spoken to four firms and got four different price sheets. Sonsoto was the only one that showed us where the extras came from — and we didn’t need them.
Golden Visa done, family visas done, licence renewed. Same team, same WhatsApp thread. I don’t chase PRO agents anymore.
They told me RAK was a better fit than Dubai for our margin. I’d already paid a deposit somewhere else. They still refunded my Sonsoto retainer and helped me exit.
More clients onboarded, higher payout.
Straight to the account.
More referrals unlocks higher payouts.