Switzerland
activeNeobank
- HQ
- Geneva
- Fee
- Private-bank / digital-wealth tariff — not a free current account
Kaspar&
FINMA asset manager, not a bank. Liberty Vorsorge bought it in Feb 2026. esisuisse does not follow the brand.
Closed 2026-02
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5.7Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Kaspar& is not a bank. The money sits with Partner banks (acrevis / HBL historic) — Kasparund AG is the asset manager.
If it fails?
Not esisuisse on the Kaspar& brand. Cash sat at partner banks (acrevis / Hypothekarbank Lenzburg historically). Scheme follows the bank, not the robo.
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
Wealth tariff — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.7
/10 · Caution
Kasparund AG is a FINMA-licensed independent asset manager. Liberty Vorsorge bought 100% in February 2026. Cash lived at partner banks. esisuisse follows the bank, not the ampersand. Direct-to-consumer banking was never the charter. Alpian is the Swiss digital bank on this desk. This is a robo with a card-shaped reputation.
What it is
St. Gallen, 2020. Spare-change investing with acrevis. Directories scrape Kasparund as a neobank. FINMA’s asset-manager list is the file. A 3a app is not a Girokonto.
Best for: Swiss residents shopping a digital 3a / savings plan — not anyone hunting a current account.
Last checked 2026-08-30. Not advice.
Closed 2026-02
Liberty Vorsorge acquired 100% in February 2026. Independent asset-manager operations continue; retail direct-to-consumer banking is not the live product.
What it does well
- +Named FINMA asset manager
- +Honest that cash sits at a bank
- +Swiss domicile
- +Not pretending to be neon or Alpian
What to watch
- −Not a bank
- −Not esisuisse on the brand
- −Retail D2C was thinned out
- −Directories say neobank
Who holds the money
The account
- Partner bank
- acrevis Bank / Hypothekarbank Lenzburg (historic rails)
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Closed — no new customers
- Card
- Kaspar& has no card listed on this file.
Licence first
Safety
Not esisuisse on the Kaspar& brand. Cash sat at partner banks (acrevis / Hypothekarbank Lenzburg historically). Scheme follows the bank, not the robo.
Who holds the money: Partner banks (acrevis / HBL historic) — Kasparund AG is the asset manager
- FINMAIndependent asset manager — Kasparund AG. Not a bank · Switzerland
Fees
- Monthly
- Wealth tariff — confirm live
- FX markup
- Not a travel card
- ATM
- Partner-bank debit if any — not the product
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Swiss asset manager
- Savings plans / 3a adjacency
- FINMA licence is asset management
- Liberty group 2026
- Not a salary bank
Score
- Safety25%
- 5.6
- Fees20%
- 6.0
- Features15%
- 6.4
- App15%
- 7.0
- Global15%
- 2.6
- Support10%
- 6.6
Change log
Full logStatus
Liberty Vorsorge path — still not a bank
FINMA asset manager. Not esisuisse.
Available in
Straight answers
FAQ
01Is Kaspar& a bank?
Kaspar& holds a banking-style licence (FINMA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Not esisuisse on the Kaspar& brand. Cash sat at partner banks (acrevis / Hypothekarbank Lenzburg historically). Scheme follows the bank, not the robo.
03Where is Kaspar& available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Kaspar&.
04Card and wallets?
Kaspar& has no card listed on this file.
05Can I open Kaspar& 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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