A three-dimensional (3D) finite element model of a railway crossing panel for use in multibody simulation (MBS) of dynamic vehicle–track interaction is presented. It is a two-layer track model with stock rails and sleepers represented by beam elements and a crossing rail represented by 3D solid elements. The track model uses linear bushings for the rail fastenings and bi-linear bushings for the ballast to allow for potentially voided sleepers. Based on the output from the MBS, the structural loading of the crossing in terms of strains, stresses and sleeper-ballast contact pressures is extracted in a post-processing step. The model is calibrated and validated to measurement data from a comprehensively instrumented switch & crossing (S&C) demonstrator installed in the Austrian railway network as a part of the European research programme Shift2Rail. The applied procedure for the calibration and critical assessment of the crossing model is described in detail. It is based on a model parameterisation with eight parameters relating to the rail fastening and foundation stiffnesses and to a distribution of the ballast voids. The calibration method uses Latin hypercube samples to explore the parameter space in a sensitivity analysis before a parameter optimisation is performed using a gradient-based method on a response surface built from a polyharmonic spline. In a comparative study it is shown that the 3D model and a more conventional beam model of the crossing rail show similar calibration results and good agreement with the measured data. The 3D model allows for the extraction of stress concentrations in the crossing rail but has an increased computational time of about 30% compared to the beam model.