Your free Swiss bank account

Open your bank account in just 10 minutes and access everything you need for daily banking, including seamless exchange between CHF, EUR, USD and GBP, all in one app.

A single account for 4 currencies: CHF, EUR, USD, GBP.

Hold, spend, receive, save and transfer in four major currencies, all under one Swiss IBAN. Whether you’re earning in francs, paying in euros, or travelling with dollars or pounds — we’ve got you covered.

Exchange currencies and save 7 times more

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.

For

you get

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.

1% interest on EUR & USD

Your multi-currency account automatically pays pro-rated monthly interest on Euros and US Dollars. Your money stays completely flexible: withdraw, spend, or transfer anytime while still earning interest:

1% annually on EUR up to 500'000
1% annually on USD up to 500'000
Interest on CHF is paid on the savings account

The flexible savings account

Your funds are available anytime, offering you the flexibility you need.

Virtual cards, just one tap away

Create up to 5 free digital cards instantly in the app. Use them online or in-store with full control to pause, block or delete them whenever you want. We’re one of only 6 Swiss banks to offer virtual cards — and ours come with no fees.

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
Google Pay

Open your account now

Download the Alpian app and open your account for free in under 10 minutes.

Frequently asked questions

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.

How does the multi-currency account work?

Our multi-currency account allows you to hold the four most commonly used currencies—CHF, EUR, USD, and GBP—under a single IBAN. This feature enables you to hold, transfer, pay, save, and receive money in these currencies without the need for multiple bank accounts.

Funds are credited in the currency they are received in. For example, if you receive 100€, it will be credited and stored in euros. This is perfect for frequent travelers and expats, as it allows you to manage your finances without commissions or high exchange rates.

How can I set up Apple Pay?

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

How can I set up Google Pay?

Here's how to add your card to the  Google Wallet:

Open the Google Wallet app.

Tap Payment card and then New credit or debit card.
Enter your card details.
Scroll to the bottom, tap Save and Continue.
Read the Issuer Terms and accept them.

That's it! Your Alpian card is now ready for you to use with your Android devices. 

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.