)
The flexible savings account
Earn interest on your CHF while keeping your savings fully accessible.
Your capital stays fully accessible, with no notice period or fees.
Earn more as your balance grows
The best conditions on the market
)
)
Instant access
Your capital stays fully accessible, with no notice period or fees.
No limit
No maximum deposit limit. Your money continues to grow without restriction.
Your money is safe
At Alpian, your deposits are guaranteed up to CHF 100,000 under Swiss regulation. So you can bank confidently and stress-free.
Conditions and services
Base Interest Rates
Earn 0.10% p.a., paid monthly, on your entire balance up to CHF 125,000.
Earn 0.35% p.a., paid monthly, on your entire balance if above CHF 125,000.
Base interest rates are subject to change at Alpian’s discretion and may be adjusted based on changes by the Swiss National Bank.
Availability
Your capital remains fully accessible at all times, with no notice period or fees.
However, if your balance exceeds CHF 125,000 on March 31, 2025, but you withdraw more than CHF 10,000 before the end of the year, the booster will be canceled—only the base rate will apply.
Interest Payment
The base interest is paid monthly on a prorated basis.
The booster interest, where applicable, will be paid in full on January 2nd, 2026.
Fees
No fees.
Start saving
Download the Alpian app and open your account for free in under 10 minutes.
Still have questions?
Can I access my money anytime?
Yes, you can access your funds anytime without restrictions or fees. Only the booster is impacted if you withdraw over CHF 10'000.
Does Alpian have a banking license?
Yes, Alpian is a fully regulated and licensed bank under the Swiss Financial Market Supervisory Authority (FINMA).
Alpian complies with Swiss banking regulations, which are among the strictest in the world. Alpian unifies everyday banking with accessible investment and private banking services in a hassle-free mobile app so that your financial life fits comfortably in the palm of your hand. The combination of human expertise and system intelligence is how we fulfil our promise: to always be at your side on your journey to wealth beyond money.
How do I open an account with Alpian?
To open an account with Alpian, begin by downloading the app, available for both iOS and Android devices. During the sign-up process, you will be asked to provide some personal information and complete a quick ID verification to ensure security and compliance.
Eligibility requirements: You must hold a valid Swiss residence permit and provide an original, valid passport or national ID. Please note that photocopies will not be accepted.
Activating your account: The final step to activate your account involves making a deposit that must come from a bank account registered in your name at a licensed bank located either in Switzerland or a FATF country.
Important: Because of FINMA regulations, deposits from neo-banks and financial platforms that do not hold a banking license such as Neon, PayPal, Revolut, Yuh, or Wise are not accepted.
What is the minimum amount required to open an account at Alpian?
There is no minimum amount required to open an account. However, an initial transaction is necessary to activate the account.
How can I get in touch with your team?
Alpian is dedicated to providing responsive and helpful support through various channels:
For non-clients:
General inquiries: If you are not yet an Alpian client and do not have access to the app, you can contact us here.
Schedule a free wealth advisory meeting: To discuss your financial situation with a wealth advisor, you can schedule a free meeting by clicking here. This session offers unbiased advice and imposes no obligation to open an account.
For Alpian clients:
Live chat with banking specialists:
Availability: Between 8:30 AM and 7:30 PM
For: Urgent and transactional matters
How to access: Open your Alpian app, click on the Advisory tab (the second one from right to left in the menu at the bottom of the app), and select Chat with us.
Video calls with wealth advisors:
Availability: Between 8:30 AM and 6:30 PM
For: Advice and guidance on investments, managing your savings, or any other financial wealth-related topics.
How to schedule: Open your Alpian app, click on the Advisory tab (the second one from right to left in the menu at the bottom of the app), and select New appointment.