Switzerland
activeFeaturedBroker
- HQ
- Greenwich
- Fee
- No inactivity on many accounts
4.0Caution
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank (failed) (FINMA). Still read the entity on the statement.
If it fails?
esisuisse up to CHF 100,000 on eligible deposits — claims process
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
—
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
4.0
/10 · Caution
Why this register exists. Read the scheme, not the homepage.
What it is
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.
Best for: Case study in Swiss bank failure.
Last checked 2026-08-01. Not advice.
Closed 2024-06
FINMA bankruptcy. esisuisse process for eligible deposits.
What it does well
What to watch
- −Bankrupt
Who holds the money
The account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Closed — no new customers
- Card
- FlowBank lists a physical card on visa. Confirm the live product in the app — a card is not a current account.
Licence first
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
Straight answers
FAQ
01Is FlowBank a bank?
FlowBank is filed as Bank (failed). The named regulator is FINMA. Still read the entity on the statement before you send money.
02What happens to money in FlowBank if it fails?
esisuisse up to CHF 100,000 on eligible deposits — claims process
03What does FlowBank charge each month?
The monthly fee on this file is —. Fees change — open the operator's pricing page if it is linked.
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.
Alternatives
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
activeNeobankBroker
- HQ
- Gland
- Fee
- No fees whenever possible — live list on yuh.com/en/pricing
From NeoBankDB
News20 Jun 2025 · 3 min
FINMA season: another Swiss brand leaves the table
radicant’s clients were pointed at Alpian. The Swiss page gets shorter again.
Read the noteNote18 May 2026 · 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.
Read the note