Tin is very stubborn metal for electrolysis. Growing crystals are very much resembling whiskers, as kurtak said. With that i dont say that it couldn´t be done. Mechanical scraper would be the best option here, or rotating electrode that wil crush the growing crystals against the wall of the cell continually.I've considered using tin metal as a collector and then electro-refine the tin in an electrolytic cell. HCl would be the electrolyte.
Once, i did electrolysis of molten tin in molten SnCl2 electrolyte. Funky stuff, certainly nothing healthy (SnCl2 vaporizing in white smoke clouds) and probably just as interesting thing without of value for this refining need. But there, whiskers will not be an issue
It would be easier to melt it, but reclamation of gold from tin could be a nightmare. Maybe the thing will be dissolving it in hydrochloric acid directly, but also not the optimal setup, tin oxides formation from hydrolysis etc...
Another option with tin will be to switch into organic solvent. Classical preparation in inorganic chemistry class: making SnI4 from tin and iodine, in the chloroform as solvent.
There will be numerous issues with gold reclamation tho. Firstly, gold will dissolve too iodine could be substitued with cheap chlorine, but i dont think this approach will be of any benefit. Chlorine with organics often result in runaway chlorinations (extremely exothermic), that is why chloroform is used as solvent (nasty stuff also).
Bismuth is in other hand relatively easy to melt (271 °C), readily cupell out, leaving the gold button. Also, after a while with more used cupells, they could be easily crushed and smelted with carbon to reclaim bismuth back. Purity of reclaimed metal will be questionable tho, as other base metals (tin, lead, copper...) involved will reduce too.