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Alpian App

Alpian

App rating
4.7

Frequently asked questions

What is Alpian?

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 can I invest with Alpian?

It’s as easy as opening your Alpian account and selecting the Managed by Alpian investment mandate. Our team of experts are happy to learn about you and your lifestyle so they can build you a customised portfolio designed for long-term resilience and performance.

How does Alpian's wealth management approach differ from traditional private banking?

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.

How can I learn more about investing?

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.

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 do I find my IBAN?

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.

How do I change my address?

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

How do I change my phone number?

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

How do I obtain my account statements and tax documents?

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

How do I upload a document?

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

When will I receive my debit card?

Your debit card typically takes between 5 and 7 business days to arrive. Ensure you have used the correct address and that your name is clearly labelled on your mailbox. If not, please contact us.

How do I activate my debit card?

1st step: Activate your debit card directly in the app. Open your Alpian app > Click on your profile icon at the top right > Select the "Cards Management" tab > and then tap on "Activate card". Use the 6-digit activation code you received with your card.

2nd step: Make a payment to a merchant using the PIN code. Your 4-digit PIN is available under "Card Management". Note: The PIN for your card is not the 6-digit code you received with your debit card.

How do I get the numbers and details of the card?

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

How can I find my PIN code?

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

How does the multi-currency account work?

You can hold and manage funds in CHF, EUR, USD, and GBP under a single IBAN. This allows you to receive, send, and spend money in these currencies without the need for multiple bank accounts.

I want to pay with my Alpian card in a currency I do not hold, can I still pay in that currency?

Alpian first checks if you have sufficient funds in the transaction currency. The exchange will automatically be made from the CHF account if the account balance allows it. If not, the exchange will be made from the currency with the highest balance.

For payments in currencies other than those held in the Alpian account (CHF, EUR, USD, GBP), the exchange will automatically be made from the account with the highest balance. The exchange rate applied to transactions in other currencies is the Visa rate.

How do I make a QR payment?

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. Please note that it is not yet possible to set up recurring payments, but we are working to make this feature available soon.

Can I access my Alpian account while travelling?

Yes! With our metal-debit card, you can also enjoy four currency accounts at no additional cost, making it easy to manage your finances while travelling. Plus, our competitive exchange rates and low transaction fees ensure you have more money in your pocket. Check out our comparative analysis of exchange rates for more information.

Can I use TWINT with an account at Alpian?

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

  1. Download the prepaid TWINT & other banks application.

  2. Complete the TWINT account opening process.

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

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

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

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

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

What are the conditions for receiving the sign-up bonus?

First, you must have used your sign-up code when opening the account. A minimum of 500 CHF must be deposited into the account, along with 3 transactions made with your debit card. The sign-up bonus is paid within 45 days after account activation. For terms and conditions, please click here.

I was referred by a friend / I referred a friend. When will I receive the 100 CHF bonus?
  1. Share the code: Pass your unique code along to your friends and family. They can use this code when signing up for an Alpian account.

  2. Activation and requirements: To qualify for the bonus, your friend needs to make a minimum deposit of CHF 500 into their new Alpian account and complete three transactions using their Alpian card.

  3. Enjoy your bonus: Both you and your friend will receive a CHF 100 cash bonus. The bonus will be credited to both accounts within 45 days after all conditions are met. For terms and conditions, please click here.

How can Alpian be contacted?

We are always happy to provide support. You can contact us through different channels:

  • Live chat (between 8:30 AM and 7:30 PM): For everyday banking and transactional matters. Open your Alpian app > Click on the Advisor menu (at the very bottom right, shaped like a chat bubble) > Chats.

  • Video call (between 8:30 AM and 6:30 PM): For investments, managing your savings, or any other financial wealth-related topics. Open your Alpian app > Click on the Advisor menu (at the very bottom right, shaped like a chat bubble) > Appointments.

If you have not yet opened an account, you can schedule a call by clicking here.

How much does Alpian cost?

To access the page dedicated to the costs and fees of our services, please click here.

How does Alpian's currency conversion margin compare to other banks?

Alpian offers a competitive currency conversion margin of 0.2%. This rate is one of the most favorable in all of Switzerland, ensuring that you receive the best value when managing your international transactions. Check out our comparative analysis of exchange rates for more information.

How do I invest through one of Alpian’s mandates?

Open the Alpian app > Click on the Investment menu (third from the left) > Click on "Start Now" on the mandate of your choice.

After completing the questionnaire to establish your investor profile, you can access the strategic allocation we recommend. If it aligns with your expectations, you can click “invest” and the funds will be immediately invested.

If you still have questions on this topic, we strongly advise you to schedule an appointment through the app with one of our wealth advisors.

What are the minimum investment requirements for Alpian's wealth management services?

Alpian's wealth management services are available for portfolios starting at CHF 10,000 for our advisory mandate, Guided by Alpian, and starting at CHF 30,000 for our discretionary mandate, Managed by Alpian. However, the day-to-day banking services can be used without a minimum deposit.

What investment solutions are available to clients looking to invest?

Today, we offer two tailored investment solutions. "Managed by Alpian" suits those who prefer a hands-off investment approach, requiring a minimum investment of 30,000 CHF and managed by our expert team to a strategy we craft together. For those desiring more control but with professional guidance, "Guided by Alpian" is available starting from 10,000 CHF. Both options are priced fairly and are focused on your needs without unnecessary product sales, ensuring our commitment to your financial goals.

Are my investments safe and private?

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.

What specific products are included in your investment portfolios?

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.

Can I see how the strategy specifically crafted for me would have performed historically?

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.

What is the performance of the investment mandate at Alpian?

Please visit the dedicated section about investing on our website. To get more detailed information, please book a meeting with one of our advisors here: Alpian: Digital banking, investing & wealth management | Alpian

How long will it take to receive the funds from sold positions in my portfolio?

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.

Guided by Alpian: What should I do if my buy/sell order isn't showing up in the transactions?

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

Is it possible to create two investment strategies for the same mandate?

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.