Switzerland
activeFeaturedBroker
- HQ
- Greenwich
- Fee
- No inactivity on many accounts
4.0Caution
AlternativesOur take
Desk verdict
Why this register exists. Read the scheme, not the homepage.
FlowBank, a Geneva online bank, went bankrupt in 2024. Eligible deposits fell to esisuisse. It is the loudest Swiss digital-bank failure in this window.
FlowBank lists Bank (failed) under FINMA in Switzerland. On safeguarding we currently write: esisuisse up to CHF 100,000 on eligible deposits — claims process. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly —; FX —; ATM —. This desk would open it for: Case study in Swiss bank failure.
What it does well: . What to watch: Bankrupt. Desk score 4.0 / 10 (safety 2.0, fees 5.0, features 6.0, app 6.0). Last verified 2026-08-01. Headquartered in Geneva, Switzerland; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Case study in Swiss bank failure.
Closed 2024-06
FINMA bankruptcy. esisuisse process for eligible deposits.
Pros
Cons
- −Bankrupt
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Closed — no new customers
- Pay surface
- visa · physical
Safety
esisuisse up to CHF 100,000 on eligible deposits — claims process
- FINMABank (failed) · Switzerland
Fees
- Monthly
- —
- FX markup
- —
- ATM
- —
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Trading + banking hybrid
Score
- Safety25%
- 2.0
- Fees20%
- 5.0
- Features15%
- 6.0
- App15%
- 6.0
- Global15%
- 3.0
- Support10%
- 2.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is FlowBank a bank?+–
FlowBank holds a banking-style licence (FINMA). Still read the legal entity on the statement, not the app icon.
How is money protected?+–
esisuisse up to CHF 100,000 on eligible deposits — claims process
Where is FlowBank available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with FlowBank.
Card and wallets?+–
visa · physical
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
activeHalal bankingNeobank
- HQ
- London
- Fee
- Freemium / subscription SKUs — confirm live
From the desk
news · 2025-06-20 · 3 min
FINMA season: another Swiss brand leaves the table
radicant’s clients were pointed at Alpian. The Swiss page gets shorter again.
blog · 2026-05-18 · 7 min
Switzerland’s digital-bank graveyard: radicant, FlowBank, Swiss4
FINMA does not play. The home market is small. A fourth payments app is a hobby, not a bank.