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Alpian App

Alpian

App rating
4.7

Superior everyday banking

Open your digital bank account in under 10 minutes and unlock all you need for daily banking, engineered to amplify your wealth.

One account, multiple currencies

Get a multi-currency account in CHF, EUR, USD & GBP under one IBAN. The perfect solution to conveniently handle, transfer, pay, save, and receive money in the currency of your choice.

Exchange money and save in every transaction

Unbeatable low exchange rate between Euros, Swiss francs, US dollars, and British pounds.
0.2% mark-up on weekdays and 0.5% on weekends for all supported currencies on the app.
Zero commissions on card payments abroad and on all transactions between the main 4 currencies.
Absolute transparency in all costs and spreads.
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Please note that currency exchange rates on our website are updated periodically and may not reflect real-time values. For up-to-the-minute rates, refer to our mobile app, where updates occur in real-time. The information provided is for reference only and not intended for trading decisions. Exchange rates may vary, and we cannot guarantee their accuracy at any given time due to potential delays and market changes. By accessing our services, you acknowledge the possibility of discrepancies between displayed and actual transaction rates. We advise users to verify current rates independently before any currency exchange activities. This notice is in accordance with Swiss regulations to ensure user awareness and transparency.

Industry-leading interest rates

Up to 1.25% interest rates

Earn 1% interest on deposits up to CHF 100,000. Balances between CHF 100,001 and CHF 1,000,000 benefit from a higher 1.25% rate. Contact us for over CHF 1,000,001 – you will benefit from a customised rate. 

Grow your capital on auto-pilot

Get your annual interest rate paid monthly on a pro-rata basis, and watch it grow steadily thanks to the compounding effect.

Freedom, at all times

Unlike classic savings accounts, your money is yours to withdraw anytime, free of charges and restrictions.

Bank with a peace of mind

As a FINMA-licensed Swiss bank, your CHF deposits are safe at the Swiss National Bank and insured up to CHF 100,000.

Virtual cards, just one click away

Alpian virtual cards let you pay online and in stores with top-notch security. Instantly create up to 5 free digital cards in the app, with full control to block and remove them at will.

The Alpian card, not made of plastic

Experience the blend of style and functionality with the Alpian Visa metal debit card, perfect for shopping online and in-store across 200 countries.

  • Smart in-app features

  • Multi-currency capabilities

  • Secure 3DS verification

  • Apple Pay

Frequently asked questions

How do I open an account with Alpian?

To open an account with Alpian, simply download our iOS or Android app and follow the onboarding process. You'll need to provide some personal information and complete a quick verification process to get started.

Only Swiss residents are eligible to open an account with Alpian through their iOS or Android application. A valid passport or Swiss national ID are required to open your account. Original ID documents are required (ie: no photocopies).

To finalise the activation of your account, an initial deposit will need to be made from a bank account in your name.

How can we offer such low exchange rates?

High fees for paying and withdrawing money abroad can be frustrating. Alpian puts an end to exorbitant commissions and unfavourable rates by offering foreign exchange capabilities at one of the lowest fees in the Swiss market: 0.20%. This fee isn't about making a profit; it simply covers the exchange process. At Alpian, we're committed to transparency in pricing – we only charge you when a service demands our expert touch.

How can I set up Apple Pay?

Learn how to add your Alpian card to Apple Pay by following the instructions here.

Can I use TWINT with an Alpian account?

Yes, the pre-paid version of TWINT can be funded through your Alpian account. Please follow the steps below to get started:

  • Download the prepaid TWINT & other banks application.

  • Complete the TWINT account opening process.

  • Once the TWINT account is open and verified, select the Payment option within the TWINT mobile application.

  • An email will be received from TWINT which includes a QR code with which to make the payment to fund the account.

  • Login to your Alpian account, navigate to the Cash page, and select Payments.

  • Select the QR payment option and scan the QR code sent by TWINT.

  • Once the payment is complete, the TWINT account will be funded and available for use.

You can begin right now

Download Alpian, open your account in under 10 minutes, and enjoy a free 6-month trial.