Best Kaspar& alternatives

#1 alternative

Alpian

active

Swiss FINMA digital private bank. esisuisse CHF 100k. Residents.

Geneva · Swiss private-bank scale · Series B-era + licence capital

7.2Solid

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.

Best for: Swiss-domiciled clients who want a FINMA bank in an app, and will pay private-bank economics.

Licence

Bank (Alpian SA)

Protection

esisuisse up to CHF 100,000 per client per bank

Monthly

Private-bank / digital-wealth tariff — not a free current account

#2 alternative

Revolut

active

Digital bank and e-money app. Licence depends on the entity.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Licence

UK bank (eligible customers)

Protection

Eligible deposits at Revolut Bank UK Ltd: FSCS up to £120,000 per person (scheme cap from 1 Dec 2025; Revolut FSCS sheet). Revolut Ltd e-money is safeguarded, not FSCS (UK personal terms, 11 Dec 2025). New customers from 11 March 2026 may still be onboarded onto an EMI account with Revolut Ltd.

Monthly

Free · Plus/Premium/Metal/Ultra paid

#3 alternative

Yuh

active

Yuh is not a bank. Swissquote Bank Ltd is. esisuisse cover is CHF 100,000, shared.

Gland · Swiss all-in-one app · Swissquote (100% after July 2025)

7.6Solid

Yuh is not a bank. The English homepage says it in one paragraph: Swissquote Bank Ltd provides the banking, FINMA authorises that bank, and esisuisse cover is CHF 100,000 shared with Swissquote. July 2025 ended the PostFinance joint venture. If you already hold cash at Swissquote, do not count CHF 100,000 twice. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Read those files separately.

Best for: People who live in Switzerland and want spend plus invest, and who accept Swissquote as the bank.

Licence

Fintech app — not a bank

Protection

Yuh itself is not a bank. Banking sits at Swissquote Bank Ltd, FINMA-authorised. esisuisse covers eligible deposits up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared.

Monthly

No fees whenever possible — live list on yuh.com/en/pricing

#4 alternative

Wahed

active

Sharia-screened investing. Not a current account.

4.4

New York · 300k+ · Series-era

7.3Solid

Wahed is a screened robo, not a current account. Pair it with a real bank. Do not describe the cash sleeve as FSCS current-account money without reading the entity.

Best for: Muslims who want a screened portfolio without building one from a brokerage blank page.

Licence

Investment adviser / manager — confirm the local entity

Protection

Securities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entity

Monthly

AUM fee on portfolios (live rate on site)

#5 alternative

eToro

active

Social investing: copy traders, stocks, and crypto in one feed.

4.3

Tel Aviv / London · 35M+ · Public / SPAC-era capital

7.4Solid

A retail broker with a feed. Never describe it as a neobank. Read whether your instrument is a real share or a CFD.

Best for: Retail investors who want copy-trading and a simple app, not DMA plumbing.

Licence

Broker

Protection

FSCS on eligible UK investment firm claims (limits apply) — not a bank deposit

Monthly

No monthly · spreads and CFDs do the work

#6 alternative

Interactive Brokers

active

The grown-up global broker. Ugly site, serious plumbing.

4.5

Greenwich · 3.3M accounts · Public (IBKR)

8.6Strong

The broker column’s control. eToro is the social alternative; IBKR is the actual one.

Best for: Investors who will tolerate TWS for cost and market access.

Licence

Broker-dealer / FCM

Protection

SIPC up to $500k (US entity) · local schemes on other entities — not a bank

Monthly

No inactivity on many accounts · commissions on trades