Kaspar&

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.

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.

Kaspar& lists Independent asset manager — Kasparund AG. Not a bank under FINMA in Switzerland. On safeguarding we currently write: Not esisuisse on the Kaspar& brand. Cash sat at partner banks (acrevis / Hypothekarbank Lenzburg historically). Scheme follows the bank, not the robo.. Holder / issuer line: Partner banks (acrevis / HBL historic) — Kasparund AG is the asset manager. 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 Wealth tariff — confirm live; FX Not a travel card; ATM Partner-bank debit if any — not the product. This desk would open it for: Swiss residents shopping a digital 3a / savings plan — not anyone hunting a current account.

What it does well: Named FINMA asset manager; Honest that cash sits at a bank; Swiss domicile. What to watch: Not a bank; Not esisuisse on the brand; Retail D2C was thinned out. Desk score 5.7 / 10 (safety 5.6, fees 6.0, features 6.4, app 7.0). Last verified 2026-08-30. Headquartered in St. Gallen / Zurich, Switzerland; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.