Switzerland
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
radicant
Swiss sustainable digital bank. Clients steered to Alpian.
Closed 2025-06
Tap a star to jump to reviews
6.4Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank (via parent stack) (FINMA). Still read the entity on the statement.
If it fails?
Was esisuisse-eligible via the banking stack
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
Was subscription-based
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.4
/10 · Mixed
Graveyard. The lesson is Switzerland’s digital-bank carrying cost.
What it is
radicant tried to be a sustainable Swiss digital bank. In 2025 it wound down and pointed clients at Alpian. It is the cleanest recent example of a well-intentioned Swiss neobank colliding with a small, expensive market.
Best for: Historical — Swiss sustainable banking case study.
Last checked 2026-08-01. Not advice.
Closed 2025-06
Wound down; clients directed toward Alpian. Swiss home market too small for a fourth green bank.
What it does well
- +Sustainability positioning
- +Swiss banking stack
What to watch
- −Closed
- −Tiny market
Who holds the money
The account
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
- radicant lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Was esisuisse-eligible via the banking stack
- FINMABank (via parent stack) · Switzerland
Fees
- Monthly
- Was subscription-based
- 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
- CHF account
- Sustainable investing
- Card
Score
- Safety25%
- 8.0
- Fees20%
- 6.0
- Features15%
- 7.0
- App15%
- 7.4
- Global15%
- 3.0
- Support10%
- 6.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is radicant a bank?
radicant is filed as Bank (via parent stack). The named regulator is FINMA. Still read the entity on the statement before you send money.
02What happens to money in radicant if it fails?
radicant is closed. Cover, while it existed, sat in the Swiss banking stack (esisuisse), not a fintech wrapper.
03What does radicant charge each month?
The monthly fee on this file is Was subscription-based. 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
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
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