Frequently asked questions

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.

Yes, you can receive your salary directly into your Alpian account.

Simply share your Alpian account details (IBAN and BIC) with your employer. Salaries can be paid into your multicurrency account in CHF, EUR, USD, or GBP, depending on your employment setup.

To find your account details:

Open the Alpian app, go to your Profile section, and tap IBAN to access your document with all your account details, ready to share with your employer.

Your employer can then transfer your salary directly to Alpian, just like with any other Swiss bank.

There is no minimum amount required to open an account. However, an initial transaction is necessary to activate the account.

To see where you stand in the application process, please go to the initial page of the app where your progress is displayed. For further details, feel free to contact our support team via chat or schedule a call here.

To activate your account, the first transfer must meet specific criteria mandated by the Swiss regulator FINMA for banks accepting clients through digital channels:

• Source of transfer: The transfer must originate from an account held in your name. Transfers from third-party or company accounts are not accepted.

• Type of bank: The transfer must come from a licensed bank that adheres to the standards of the Swiss regulator. We do not accept initial transfers made from fintech or payment companies (e.g., Neon, PayPal, Revolut, Yuh, Wise, ZAK).

• Bank location: The transfer must be from a bank located in a Financial Action Task Force (FATF) member country. These countries adhere to stringent guidelines regarding customer due diligence and wire transfers, ensuring a higher level of regulatory compliance.

FATF-compliant countries include: Argentina, Australia, Austria, Belgium, Brazil, Canada, China, Denmark, Finland, France, Germany, Greece, Hong Kong (China), Iceland, India, Indonesia, Ireland, Israel, Italy, Japan, Korea, Luxembourg, Malaysia, Mexico, Netherlands, New Zealand, Norway, Portugal, Saudi Arabia, Singapore, South Africa, Spain, Sweden, Switzerland, Turkey, United Kingdom, and USA.

Please ensure that your initial transfer conforms to these criteria. Once your account is activated, you can perform all standard banking transactions normally.

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.

Our multi-currency account allows you to hold, manage, and transact in multiple currencies under a single IBAN. At Alpian, our multi-currency account currently supports CHF, EUR, USD, and GBP.

Your IBAN can be easily found with just a few clicks. To locate it: Open your Alpian app > Click on the Accounts menu (second menu from the left) > Click on the Details icon on the right.

Open your Alpian app > Click on your profile icon at the top right > Select Documents > Select My Uploads > Click on the +.

Open your Alpian app > Click on your profile icon at the top right > Documents > Statements.

Your referral code can be found in the Alpian app.

• Open the Alpian app

• Tap on the profile section

• Tap on Refer a friend

• Done!

To change your phone number, please contact our support team via the live chat or by scheduling a video call with a wealth advisor. You will be required to verify your new phone number as part of the process to ensure the security of your account.

Open your Alpian app > Click on your profile icon at the top right > Select Personal Details > Change address here.

Yes, Alpian does not charge commission fees on transactions abroad, offering highly competitive exchange rates.

Additionally, create virtual cards directly within the app for secure online and in-store payments.

The physical metal Visa debit card costs CHF 60 upon first order or replacement. There is no annual fee. Additionally, you can create up to five virtual cards free of charge within the Alpian app.

To receive your debit card, you must first manually order it via the Alpian app following these steps:

• Tap on the top right icon of the app and then select Cards Management from the menu.

• Request your physical debit card.

The debit card typically takes between 5 and 7 business days to arrive. Always ensure that you have used the correct address and that your name is clearly labeled on your mailbox. If there are any discrepancies, please contact us.

While waiting for your card, you can use your Alpian account by creating virtual cards, digital debit cards that you can use for payments when added to your e-wallet or for online shopping.

Activating your debit card is a straightforward two-step process:

Step 1: Activate it within the app

• Open the Alpian app on your device.

• Tap on the icon at the top right corner to access your profile options.

• Navigate to the Cards Management section.

• Tap on Activate Card to enable it for online payments.

Note: If you see a code in your card package, it is not your PIN. Please ignore it.

Step 2: Activate it with a transaction

• Enable the contactless feature by inserting your card into a Swiss ATM or using it at a merchant terminal in Switzerland.

• Perform one transaction with your card to fully activate it for contactless payments.

Your 4-digit PIN, required for transactions, is available under the Cards Management section within the app. Remember, this PIN is different from any code you might have received with your card package.

Open your Alpian app > Click on your profile icon at the top right > Select the Cards Management tab > Select the card > Click on PIN.

If you need to change your PIN, you can do so at any ATM across Switzerland. Please note that only 4-digit PINs are supported.

Open your Alpian app > Click on your profile icon at the top right > Select the Cards Management tab > Select the card > Click on the "eye" icon at the bottom left of the card > Enter your Alpian app access code.

Yes, you can. Your Alpian card works in any supported currency—even if you don’t hold that currency in your account. In such cases, Alpian will automatically convert the payment by using funds from your available balances. The conversion follows a predefined logic that cannot be adjusted manually.

If you’d like to benefit from a specific exchange rate, we recommend converting currencies within the app before making your purchase. For more details, feel free to contact our support team.

Yes. Alpian integrates everyday banking with investment services in one app. Once you open an account, it serves as a hub for both your banking and investing needs, simplifying your financial management.

Investing with Alpian is straightforward and fully digital, allowing you to begin quickly without any paperwork or office visits. After you’ve downloaded Alpian and created your account, here's how you can start:

1) Open the Alpian app and tap the Investments tab, located as the third icon from the left on your screen.

2) Tap Start Now to select the investment mandate that best fits your style:

• Managed by Alpian (discretionary mandate): Hands-off wealth management.

• Managed by Alpian Essentials (discretionary mandate): Located inside the 'Managed by Alpian' mandate, wealth management for small budgets.

• Guided by Alpian (advisory mandate): Investing with the recommendation of investment professionals.

3) After you select the right mandate, complete a 10-minute questionnaire to provide information about your financial knowledge, situation, investment objectives, and risk tolerance. This assists us in tailoring an investment strategy specifically for you. You will also have the opportunity to set preferences for geographical areas and asset classes to include or exclude, and your desired impact level.

4) Once you finished the questionnaire, we have crafted your strategy that you can now review. Here is all you can check before actually committing to invest:

• Portfolio allocation: You’ll see a detailed breakdown of how your funds would be allocated across fixed income, equities, and alternative investments. Modifications are possible at this stage.

• Risk/return projections: You’ll understand the potential risks and expected returns of your strategy.

• Impact score: You can assess the social and environmental impact of your portfolio. Here you have the option to increase or decrease the impact level.

• Risk level: You can see how your strategy compares to others at Alpian based on your risk profile.

• Historical performance: You can review the past performance of your selected strategy to understand how it would perform if you go for it.

• Exposure: You can examine the countries and sectors your investments will touch.

5) If you agree with the proposed strategy, it’s now time to accept the proposal.

6) Finally, you need to sign the contract to get you started and transfer funds to your investment account.

7) Congratulations, you are now investing!

Alpian provides three tailored investment solutions to cater to various investor needs and preferences:

Managed by Alpian: Ideal for clients preferring a hands-off approach, this solution starts with CHF 30,000. Our experts manage your investments, focusing on crafting a strategy that maximises returns aligned with your long-term financial objectives.

Managed by Alpian Essentials: Start investing with as little as CHF 2,000. Choose from one of four pre-designed ETF savings plans managed by our experts, providing a simple and effective way to start growing your wealth.

Guided by Alpian: Perfect for clients who want more involvement in their investment decisions with a starting point of CHF 10,000. This option offers the flexibility of making your own investment choices with the added benefit of receiving real-time, professional guidance.

The "Guided by Alpian" investment mandate involves crafting a personalised investment strategy aligned with your specific goals and needs, which you execute. Our experts provide consistent advice and recommendations anchored in your strategy and in response to market developments. Just like with "Managed by Alpian," you can access wealth advisors through in-app video consultations.

The "Managed by Alpian" investment mandate involves crafting a personalised investment strategy aligned with your specific goals and needs, executed and managed day-to-day by a seasoned team of experts. You'll also receive regular updates to keep you informed about market-related portfolio changes, with the added convenience of direct contact with our wealth advisors via in-app video consultations.

Alpian offers a variety of investment solutions tailored for all budget sizes:

Managed by Alpian – Essentials (discretionary mandate):

• Available from: CHF 2,000

• Description: ETF-savings plans, fully managed by our team, ideal for those new to investing.

Guided by Alpian (advisory mandate):

• Available from: CHF 10,000

• Description: Offers professional investment guidance, empowering you to make the final investment decisions.

Managed by Alpian (discretionary mandate):

• Available from: CHF 30,000

• Description: Provides full-service wealth management with extensive personalisation and optimisation, managed entirely by our experts.

For more information about Alpian's investments solutions, head to our pricing page.

Once you deposit funds into your Alpian account, the investment process depends on the mandate you have chosen:

• Managed by Alpian and Managed by Alpian Essentials: Your funds are typically invested at the next rebalancing session, which occurs every weekday morning when financial markets are open. Please note that rebalancing does not occur on weekends or public holidays.

• Guided by Alpian: After depositing funds, you need to submit your investment orders yourself. These orders are processed at the next investment cut-off, with all transactions being grouped and executed around midday.

Unlike traditional and private banks, which often involve cumbersome paperwork and in-person meetings, our streamlined approach makes it easy for you to get started.

Our management mandates are based on ETFs. To select the ETFs included in our portfolios, we followed a rigorous selection process across 4 sub-asset classes: Fixed income, equities, commodities, and digital assets. Learn more

Equities: Planet Thematics, People Thematics, and equities from the regions Switzerland, the US, Europe, Asia ex-Japan, Japan, and Emerging Markets.

Fixed Income: Includes Global Government Bonds (all maturities and inflation-linked), Corporate Investment-Grade Bonds, High Yield, Money Markets, Development Bank Thematics, and Green Bonds Thematics.

Alternatives: Commodities, Precious Metals, Cryptocurrencies

At Alpian, you have the freedom to book unlimited sessions with our wealth advisors. We understand the importance of readily available financial guidance, so our advisors are available to you whenever you need them.

Your investments are securely stored in a personal account at Interactive Brokers. This independent custodian arrangement ensures that your assets are safe and accessible at any time, while you benefit from our expert management.

There is no fee for wealth advisory meetings at Alpian. This service is available for all Alpian account holders, regardless of whether they are currently investing or not. For more information, please visit our pricing page.

Yes, our portfolios are primarily hedged in Swiss francs. This hedging strategy effectively reduces currency risk, providing greater stability, especially for Swiss investors. Unlike many competitors, whose performance can fluctuate significantly with currency movements—such as when the euro fluctuates—our approach helps ensure a more stable investment experience for you.

Our daily investment cycle ensures that your orders are processed every day when markets are open. This means your money is actively working for you, maximizing its potential without delay. Unlike other investment options that may not offer this frequency, we prioritize keeping your funds engaged in the market.

To ensure smooth processing, we follow a clear execution policy: while orders are typically executed within a day, we may take up to 3 days in exceptional cases, such as system interruptions or market disruptions. This policy ensures transparency and reliability, even when unexpected delays occur.

Orders may take up to one hour to appear after execution. Please check back later to see it reflected in your app.

Settlement takes 2 working days to process. For "Managed by Alpian" investments, funds are credited to your current account two working days after the order execution.

For "Guided by Alpian" investments, funds are credited to the cash bucket of the mandate two working days after the order is executed.

Absolutely, there are no lock-in periods with your investments at Alpian. You can access your funds anytime, with liquidation typically occurring within two working days after your request.

When you request a withdrawal or close an investment mandate:

• For Managed by Alpian / Managed by Alpian Essentials mandates: Orders are executed during the next rebalancing.

• For Guided by Alpian: Orders are executed at the next investment cut-off (around midday) after you submit them.

Please note that it takes 2 working days for trades to settle (the exchange of the instrument for cash with our broker). Once settled, the cash will be available to you.

You can view a chart showing the performance of the discretionary mandate since its inception on our dedicated "Managed by Alpian" page. For more detailed information and to discuss how these investments can work for you, please book a meeting with one of our advisors.

After establishing your investor profile in the app to create the investment strategy, you will have access to various data on past performance, risk profile, volatility, and much more.

Absolutely, your preferences and values play a crucial role in shaping your investment portfolio at Alpian. We believe in empowering you to align your investments with your personal convictions and financial goals. Here's how you can tailor your portfolio to exclude specific investments or sectors:

During the initial setup of your investment account, you'll have the opportunity to specify any sectors or types of investments you wish to exclude from your portfolio. This could include, but is not limited to, sectors such as fossil fuels, tobacco, or arms manufacturing, depending on your personal values.

Your investment preferences are not set in stone. As your values or financial goals evolve, you can adjust your exclusions or investment criteria by communicating with your Wealth Advisor. We're here to adapt your portfolio to your changing needs.

At Alpian, we prioritise integrity and transparency. We adhere strictly to a policy of not accepting any compensation from third parties that could influence our service to our clients. In exceptional cases where such compensation is unavoidable, we pass the full amount directly to you.

Our collaboration with external advisors, including entities within the Intesa Sanpaolo Group, is conducted with the utmost respect for these principles. We remain exclusively responsible for all investment decisions made as part of our discretionary portfolio management services, as well as for all our investment recommendations. This ensures that our advice is always objective, transparent, and tailored to your unique financial goals and needs.

Alpian, as a bank supervised by FINMA, offers the suite of protections and safeguards inherent to Swiss banks. The protection of your wealth and personal information is our utmost priority.

On our blog, you’ll find a comprehensive selection of investment articles, videos, and podcasts, along with a two-season email series designed specifically for beginner investors.

It is not possible to create two investment mandates of the same type. However, you can have both a "Managed by Alpian" mandate and a "Guided by Alpian" mandate.

At Alpian, we recognise the importance of keeping you informed about your investment's performance. Here’s how we ensure you are always up-to-date:

Continuous updates: Via the Alpian app, your portfolio's performance is updated nearly every hour. This feature enables you to monitor your investments' progress anytime, providing flexibility to check in as often as you like.

Monthly journal: Each month, you will receive a report summarising your portfolio’s performance, including any changes made and the reasons behind these adjustments. This journal helps you stay informed about the strategic decisions impacting your investments.

Alpian combines digital tools with experienced wealth managers to provide a modern and efficient wealth management experience. We offer customisable investment strategies, transparent pricing, and a focus on client satisfaction, which is a departure from traditional private banking practices.

You can set up recurring investments directly from the "Overview" of your active mandate in the recurring investment section or through the "Invest" button. With this button, you can choose to create either a one-off payment (single investment) or a recurring investment. Recurring investments can be set up weekly, monthly, or yearly. You can also set a start and end date for them.

You can track your recurring investment history in the transaction list within the Overview or Payments section.

There is no minimum amount for recurring investments. However, depending on the size of your portfolio, the funds may be invested sooner or later, always in accordance with portfolio management guidelines and your specific investment strategy. Please note that the amount initially transferred may not be sufficient to trigger an immediate investment. As soon as the cash allocation exceeds the threshold defined in your strategic asset allocation, the funds will be invested accordingly.

Recurring investments are currently available for the mandate Essentials and Managed by Alpian mandates.

You can cancel your recurring investment at any time. To change the amount or frequency, cancel your current recurring investment and create a new one.

Your recurring investment won’t go through if there are insufficient funds in your Swiss franc account. You’ll receive a notification the day before, giving you time to add funds.

Recurring investments automatically transfer money from your Swiss franc account to your portfolio.

There are no additional fees for recurring investments. Only the standard 0.75% annual investment management fee applies.

No, you can only have one recurring investment active at a time.

You can edit or cancel any scheduled payment before it is processed, providing flexibility and control over your transactions.

Alpian offers several payment options:

• One-off payments: Processed immediately.

• Scheduled payments: Set for a specific future date.

• Recurring payments: Automatic repetition weekly, monthly, or yearly.

• QR Invoice: Convenient payment via QR code directly within the app
  Apple Pay & Google Pay: Fast, secure, and contactless payments

Payments scheduled on weekends or Swiss bank holidays are automatically processed on the next working day.

Open your Alpian app > Click on the Accounts menu (second menu from the left) > Click on the Payments icon > Click on the QR code at the top right > Scan the QR invoice.

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

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. 

Transfers don’t show up immediately. Here’s what you need to know:

Local CHF transfers: Payments made from a CHF account in Switzerland, whether under your name or a third party, may take up to 2 working days to reflect in your account.

International transfers: Transfers from accounts outside Switzerland or in another currency, whether under your name or a third party, can take up to 5 business days to arrive.

Rest assured, your funds will be credited as soon as they arrive.

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.

When you use your Alpian Visa debit card to pay in a currency other than CHF, EUR, USD, or GBP, here's how it works:

• Check balance: Alpian first checks if you have sufficient funds in the transaction currency.

• Automatic exchange: If the funds are insufficient, the exchange will automatically be made from the currency with the highest balance in your account.

• Visa Rate: The exchange rate applied to these transactions is the Visa rate, which is published on the Visa website and may vary daily.

• Low fees: Alpian applies a minimal FX mark-up of 0.20% during business days and 0.50% over weekends.

This ensures transparency and cost-effectiveness, allowing you to pay in local currencies without hidden fees.

Incoming transfers in the following currencies AED, AUD, CAD, CZK, DKK, GBP, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, SAR, SEK, SGD, TRY, ZAR, will be automatically converted and credited into the CHF account, the conversion rate effective at the time of transaction will be applied.

Alpian only charges one of the lowest markups in the country and zero transaction fees. This rate is among the most favorable in Switzerland, ensuring you receive the best value for your international transactions. Find the full breakdown of fees for your card payments and international money transfers on our Pricing page.

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.

Yes, your money is protected with Alpian.

Alpian is a fully licensed Swiss bank, regulated by the Swiss Financial Market Supervisory Authority (FINMA). As a Swiss bank, Alpian is a member of the deposit guarantee scheme esisuisse, which protects client deposits up to CHF 100’000 per client in the event of a bank failure.

In addition, Alpian is part of the Intesa Sanpaolo Group, one of Europe’s leading banking groups, reinforcing the security and stability behind our operations.

Your assets and deposits are protected in accordance with Swiss banking regulations, ensuring the same level of security as with any other Swiss bank.

Opening and maintaining an Alpian bank account is free of charge. We charge a management fee of 0.75% per year for investments. For more specific details, please visit our pricing page.

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.

In some cases, Signature benefits can be combined with other Alpian offers, depending on the partner’s terms and conditions. We recommend reviewing the details of each offer for full clarity.

Read all the terms and conditions here.

Standard benefits can be combined with other Alpian offers, depending on the partner’s terms and conditions. We recommend reviewing the details of each offer for full clarity.

If your eligibility conditions change, you can exit Signature at any time. Your standard Alpian services will continue without interruption.

No. There is no additional fee to join Signature if you meet the eligibility requirements.

No. There is no additional fee to join Standard.

No. While Alpian collaborates with carefully selected partners, the services are delivered directly by these third parties. Each partner’s terms and conditions apply.

No. Offers are time-limited and subject to change. We recommend checking the Plan section regularly to stay informed about the latest benefits.

Each offer comes with a dedicated link or code. Simply follow the instructions in the Alpian app to access your benefit.

You can explore the full list of benefits directly on the Signature page.

You can join Signature by meeting the eligibility criteria: a minimum of CHF 150’000 in assets or CHF 1’000 in recurring monthly investments. Once eligible, you can activate your benefits directly in the Alpian app.

Signature is Alpian’s premium program, offering a curated selection of banking advantages and exclusive partner benefits across lifestyle, finance, health, and travel. It includes a complimentary metal debit card and privileged conditions tailored for discerning clients.

As long as your balance is not more than CHF 10k below your February 28, 2025 balance, the booster of February will still apply.

If your balance is less than your CHF 10k below your March 31, 2025 balance, the booster will no longer apply to the additional funds your deposited in March 2025.

The booster from February 28 will no longer apply.

Your balance as of March 31 will determine eligibility for the booster moving forward.

Your balance as of March 31 will qualify for the booster starting only from that date.

Your balance as of February 28 will continue earning the 0.4% booster in March 2025.

The additional funds deposited in March will start benefiting from the booster in April 2025.

Yes, you can access your funds anytime without restrictions or fees. Only the booster is impacted if you withdraw over CHF 10'000.

No. The rule applies to total withdrawals after February 28, 2025. If your cumulative withdrawals exceed CHF 10,000, you lose the booster.

No. It is your responsibility to track your balance and ensure it does not drop more than CHF 10,000 below the qualifying level.

No. Once deactivated, the booster cannot be reinstated.

You will not qualify for the booster. The cut-off date is March 31, 2025.

Yes, as long as your balance reaches at least CHF 125,000 on March 31, 2025. However, if your balance is below 125’000 before March 31, 2025, you will not qualify for the booster and a lower base rate will apply.

You do not qualify for the booster. The minimum qualifying balance must be at least CHF 125,000.00 on that date.

The booster is tied to your savings account balance only. Moving funds to a multi-currency or another account counts as a withdrawal will disqualify you.

You will still qualify for the booster, since the threshold is “more than CHF 10,000.” But if you withdraw CHF 10,001 or more, you lose the booster.

No. The booster is a one-time payout made on January 1, 2026. You will only see monthly base interest payments throughout the year.

If you close your savings account before January 2, 2026, you forfeit the booster.

No. The booster is calculated only on the balance at March 31, 2025. New deposits after this date earn only the base rate.

Yes. Any movement of funds out of the savings account—whether to another Alpian account or an external bank—counts as a withdrawal.

No. Once your balance falls more than CHF 10,000 below the February 28, 2025 balance, the booster is permanently deactivated, even if you later restore the funds.

The booster (0.4%) remains locked on your February 28, 2025 balance and will be paid on January 2, 2026, but the base interest rate is subject to change based on market conditions.

No, there's only one savings account per client.

Strategic small withdrawals do not reset the threshold. The rule is simple: if your balance ever falls more than CHF 10,000 below your February 28, 2025 balance, the booster is deactivated—even if you later top it up.

Yes, as long as your balance never drops by more than CHF 10,000 below your February 28, 2025 balance, you will still qualify for the booster.

No. The 0.4% booster applies only to the balance that is in your savings account on March 31, 2025. If you withdraw more than CHF 10,000 after that date, you will lose the booster.

Yes, you can transfer your existing 3a to Alpian at any time. If you do so before 31 December 2025, you benefit from a fee waiver, with all fees charged until 31 December 2026. This offer is limited to the first 1'000 clients.

Yes, but only in specific cases:


• Buying your main residence


• Permanent departure from Switzerland


• Becoming self-employed


• Disability or death


• Retirement (up to 5 years before the official age)

Management fees are 0,60% annually. If you join the waiting list, you benefit from a special offer where all fees charged until 31 December 2026 will be fully reimbursed at the end of 2026. This advantage is limited to the first 1,000 clients.

Managed by lemania-pension with BlackRock ETFs, your Pillar 3a is fully accessible and effortless to manage through the Alpian app.

A Swiss retirement savings account that helps you build wealth for the future while reducing your taxes today.

The minimum deposit to open the Pillar 3a with Alpian is CHF 1'000.

For 2025 and 2026, the management and foundation fees charged during this period will be reimbursed at the end of 2026. Only minimal fund costs (around 0.15% TER) and applicable VAT remain, just like with any other investment.

In December 2026, the full reimbursement will be credited directly to your Alpian cash account.

All Alpian and foundation fees (around 0.60% per year) are reimbursed. Only minimal underlying fund costs (around 0,15% TER) and applicable VAT remain, which is standard for any investment fund.

You can withdraw your 3a up to five years before reaching the official retirement age. The withdrawal is taxed separately at a reduced rate compared to regular income.

Yes. Swiss law allows you to hold multiple 3a accounts with different providers, and many people do this to optimize taxes at withdrawal. At Alpian, however, you can currently open only one 3a account.

Yes. If you decide to transfer your existing 3a to Alpian, the entire balance must be transferred.

Your 3a is held with lemania-pension, a trusted Swiss foundation. Investments are in institutional-quality BlackRock ETFs, which are segregated from Alpian’s and lemania-pension’s assets and always remain your property. This ensures that your savings stay secure even in the unlikely event of insolvency.

Yes. You can open, invest, and track your 3a entirely in the Alpian app.

Weekly. This keeps your portfolio aligned with your chosen strategy at all times.

You can choose from 8 strategies, each available with a Swiss focus or a global outlook.


• Swiss: centered on companies driving the Swiss economy


• Global: diversified across international markets

Every franc you contribute reduces your taxable income. Your 3a savings and returns are exempt from wealth and income tax during accumulation. At withdrawal, the capital is taxed separately at a reduced rate.

In 2025, you can contribute up to CHF 7'258 if you are employed and pay into a pension fund. If you are self-employed without a pension fund, you can contribute up to 20% of your net income, capped at CHF 36'456.

To ensure your deposit qualifies for a bonus, please keep the funds in your account for at least 24 hours. The funds are not blocked during this period; you can use them freely.

No. In line with the Switzerland–U.S. FATCA agreement, Alpian cannot accept clients who are considered “U.S. persons” for tax purposes (including U.S. citizens, Green Card holders, and U.S. tax residents).

Although Alpian does not provide direct credit card services, our partnership with American Express enables our clients to enjoy the exclusive benefits and preferential rates associated with the Platinum Card. This integration ensures that Alpian clients can access premium services seamlessly.

You can explore all the exclusive benefits and features by following this link.

Client confidentiality and data security are paramount at Alpian. As a FINMA-regulated bank, we adhere to the highest standards of security and regulatory compliance. Your personal and financial data are safeguarded with the utmost care and advanced security measures.

Your bonus will be credited within 45 days after your friend meets the conditions of the referral program. Read all the terms and conditions here.