Terms and Conditions - Radicant Client Welcome Offer
Terms and Conditions
Offer Provider: Alpian SA, a Swiss digital bank licensed and supervised by FINMA
The Offer is valid from 1 January 2026 until 31 December 2026.
Eligibility: This offer is reserved exclusively for individuals who have received a unique promotional code through the Radicant partnership campaign.
By activating this offer, you agree to the following terms and conditions.
1. Duration of the Offer
The Offer is valid from 1 January 2026 until 31 December 2026.
Promotional codes must be used to open an account by 31 December 2026.
After this period, standard Alpian pricing and conditions apply automatically.
Promotional Code Validity
Your unique promotional code must be entered during account registration by 31 December 2026. After this date, codes will no longer be valid, and the Offer will not be available.
2. Eligibility Criteria
To qualify for this Offer, you must:
Be a resident of Switzerland and at least 18 years old
Open an Alpian account and enter your unique promotional code during registration
Complete all required onboarding and compliance procedures successfully
Pre-Existing Clients: If you are an existing customer, eligibility for this offer will be assessed on a case-by-case basis. This offer may not be combined with any previous or ongoing promotions. Please contact directly our Wealth Advisor team for guidance.
Important: The Offer cannot be combined with any other Alpian promotional campaign, referral bonus, or incentive.
3. Benefits Included
3.1. 1% Cashback on Card Purchases
You will receive 1% cashback on eligible card transactions made with your Alpian metal or virtual debit card.
Cashback Terms:
Applies up to a total annual spending of 5'000 CHF, corresponding to a maximum cashback of 50 CHF
Cashback is calculated based on the total value of eligible transactions within each calendar quarter, converted to CHF using the rate at the clearing booking date
Cashback is credited automatically to your Alpian account at the end of each quarter
Qualifying Transactions
To receive cashback, transactions must meet the following requirements:
Eligible:
Merchant purchases made using the debit card
Not Eligible:
ATM withdrawals and manual cash withdrawals
Refunds, including Original Credit Transactions (OCT)
Transactions with financial institutions (e.g., MCC 6012)
Quasi-cash transactions such as (but not limited to):
Money transfers, including account funding and peer-to-peer payments (e.g., TWINT, PayPal)
Cash-like transactions, such as TWINT gift cards (e.g., MCC 6050, 6051)
Transactions for stored value card purchase/load (e.g., MCC 6540)
Wire transfers and money orders (e.g., MCC 4829)
Investment-related transactions, including securities and cryptocurrencies (e.g., MCC 6211)
Gambling and lottery-related transactions (e.g., MCC 7995, 7801, 9754, 7800, 7802)
Adult entertainment (e.g., MCC 7273, 5967)
Guns and ammunition shops (e.g., MCC 5723)
A blacklist of excluded merchants and categories will be maintained and made available to clients upon request. Transactions related to restricted industries are also excluded from the program.
Alpian reserves the right to update the list of non-eligible transactions and to amend these Terms and Conditions. Where possible, we will provide reasonable notice of any significant changes.
General Conditions - Cashback
Cashback rewards are non-transferable and cannot be exchanged for other benefits
Transactions that are refunded, reversed, or disputed are excluded
In cases of suspected misuse, fraud, or breach of these terms, Alpian reserves the right to revoke eligibility or withhold cashback payments immediately
3.2. 50% Reduction on Investment Fees
You will benefit from a 50% reduction on Alpian's investment solution fees from account activation until 31 December 2026.
Investment Fee Reduction Details
Eligibility Criteria:
Clients must have an active investment mandate (discretionary or advisory)
What's Included:
The reduction applies to Alpian's investment management fees for discretionary mandates, advisory mandates, and ETF-based investment plans offered by Alpian
The reduced fee applies to the entire invested amount under discretionary or advisory mandates, as applicable
Fees are charged as outlined in the Fee Schedule, reflecting the applicable discount
What's Not Included:
The program does not apply to third-party product fees, Swiss Stamp Tax, stock exchange fees, transaction costs, or other charges not related to the management fee
Duration:
After 12 months, standard fee rates apply unless otherwise communicated
General Conditions - Investment Fee Reduction
The fee reduction is non-transferable and cannot be exchanged for other benefits
In case of suspected misuse or misrepresentation, Alpian reserves the right to revoke eligibility immediately or retroactively apply standard fees
3.3. CHF 15 Quarterly Bonus for Total Assets
Clients maintaining total assets (not just invested assets) exceeding 20'000 CHF at the end of a calendar quarter will receive a 15 CHF bonus. "Total assets" includes all account balances and investments held with Alpian, calculated in CHF.
Bonus Terms:
The maximum total bonus over 12 months is 60 CHF (15 CHF × 4 quarters)
Eligibility is assessed based on the total portfolio value as of the last day of each quarter
Bonus payments are credited to your Alpian account following quarter-end verification
4. Limitations and Restrictions
The Offer is personal and non-transferable
Benefits cannot be exchanged for cash or any other form of compensation
Alpian reserves the right to suspend or revoke benefits in cases of account misuse, fraud, or regulatory concerns
Cashback, fee reductions, and bonuses are not guaranteed future benefits and may be adjusted or discontinued according to Alpian's discretion
5. Tax Considerations
Any cashback or bonus amount may be considered taxable income under Swiss law.
Important: Clients are responsible for declaring such benefits in their personal tax returns. We recommend consulting with a tax advisor for guidance specific to your situation.
6. Modifications and Termination
Alpian reserves the right to modify, suspend, or terminate the Offer at any time with prior written notice to affected clients where commercially reasonable.
Alpian may reject or terminate any account onboarding at any stage in accordance with its internal compliance requirements.
7. Data Protection and Privacy
By participating in this Offer, you acknowledge that Alpian will process your personal data in accordance with applicable Swiss data protection laws and Alpian's Privacy Policy.
Your data will be used solely for the purposes of administering this promotional offer and providing you with banking services.
8. Governing Law and Jurisdiction
These Terms and Conditions are governed by Swiss law.
The place of jurisdiction is Geneva, Switzerland, unless otherwise required by mandatory legal provisions.
9. Contact Information
For any questions regarding this Offer or your eligibility, please contact:
Email: support@alpian.com
Acceptance
By entering your promotional code and opening an Alpian account, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.
Alpian SA is licensed and supervised by the Swiss Financial Market Supervisory Authority (FINMA). Deposits are protected up to CHF 100'000 CHF per client through the Swiss deposit insurance scheme.