Switzerland
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
radicant
Swiss sustainable digital bank. Clients steered to Alpian.
Closed 2025-06
Rate this app
6.4Mixed
AlternativesOur take
Desk verdict
Graveyard. The lesson is Switzerland’s digital-bank carrying cost.
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.
radicant lists Bank (via parent stack) under FINMA in Switzerland. On safeguarding we currently write: Was esisuisse-eligible via the banking stack. 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 Was subscription-based; FX —; ATM —. This desk would open it for: Historical — Swiss sustainable banking case study.
What it does well: Sustainability positioning; Swiss banking stack. What to watch: Closed; Tiny market. Desk score 6.4 / 10 (safety 8.0, fees 6.0, features 7.0, app 7.4). Last verified 2026-08-01. Headquartered in Zurich, Switzerland; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Historical — Swiss sustainable banking case study.
Closed 2025-06
Wound down; clients directed toward Alpian. Swiss home market too small for a fourth green bank.
Pros
- +Sustainability positioning
- +Swiss banking stack
Cons
- −Closed
- −Tiny market
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Personal · Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Closed — no new customers
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
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
FAQ
Is radicant a bank?+–
radicant holds a banking-style licence (FINMA). Still read the legal entity on the statement, not the app icon.
How is money protected?+–
Was esisuisse-eligible via the banking stack
Where is radicant available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with radicant.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
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activeHalal bankingNeobank
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From the desk
news · 2025-06-20 · 3 min
FINMA season: another Swiss brand leaves the table
radicant’s clients were pointed at Alpian. The Swiss page gets shorter again.
blog · 2026-05-18 · 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.