Switzerland
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Alpian
Swiss FINMA digital private bank. esisuisse CHF 100k. Residents.
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7.2Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank (Alpian SA) (FINMA). Still read the entity on the statement.
If it fails?
esisuisse up to CHF 100,000 per client per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Private-bank / digital-wealth tariff — not a free current account
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.2
/10 · Solid
Alpian is the Swiss digital bank that still has a FINMA banking licence after 2025. radicant’s clients were pointed here. It is a private bank in an app, not Revolut. Do not open it from India.
What it is
Alpian SA received a FINMA banking licence in 2022 and launched as Switzerland’s first digital private bank. Geneva. The website is for persons domiciled in Switzerland. That geofence is the product.
Best for: Swiss-domiciled clients who want a FINMA bank in an app, and will pay private-bank economics.
Last checked 2026-08-28. Not advice.
What it does well
- +FINMA bank
- +esisuisse
- +Survived the 2025 Swiss wind-downs
- +Wealth + current
What to watch
- −Swiss residents only
- −Not free
- −Not a startup current account
- −Minimums / tariffs
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- CHF current + wealth
- Partner bank
- Alpian SA (FINMA bank)
- Minimum balance
- Private-bank minimums — confirm live
- Lowest monthly fee
- Wealth tariff, not a free current account
- Who can open
- Persons domiciled in Switzerland
- Availability
- Switzerland
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Investing
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Alpian lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
esisuisse up to CHF 100,000 per client per bank
Who holds the money: Alpian SA, Quai du Seujet 18, 1201 Geneva
- FINMABank (Alpian SA) · Switzerland
Fees
- Monthly
- Private-bank / digital-wealth tariff — not a free current account
- FX markup
- Wealth FX, not Wise mid-market
- ATM
- Confirm live
Features
- ✓IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- FINMA bank
- CHF current + wealth
- Multi-currency
- Swiss residents
- Digital private-bank UX
Score
- Safety25%
- 8.8
- Fees20%
- 5.8
- Features15%
- 7.6
- App15%
- 8.0
- Global15%
- 5.0
- Support10%
- 7.4
Change log
Full logLicence
FINMA banking licence holds after the 2025 Swiss wind-downs
Geneva digital private bank. esisuisse CHF 100k. Swiss residents only.
Available in
Straight answers
FAQ
01Is Alpian a bank?
Alpian holds a banking-style licence (FINMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
esisuisse up to CHF 100,000 per client per bank
03Where is Alpian available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Alpian.
04Card and wallets?
Alpian lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Alpian remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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