Our fees explained
The real problem with fees isn’t that they exist. The problem is that they are not always transparent. Our solution isn’t to ban fees. Instead, we built a digital-first banking model that puts less pressure on fees.
| Alpian offering | Other Banks |
|---|---|
| Access to advisors | Usually from CHF 100'000 or 250'000 of Assets |
| Multi-currency account (4 currencies in 1 account) | Usually CHF 3 per month (low average) |
| Foreign exchange Margin at 0.20% | Usually between 1%-2% |
| Visa Metal Debit Card | Usually CHF 50 per year |
| Card payments abroad without extra commission | Usually a commission in percentage or fix fee |
| 0.20% foreign exchange margin on card payments in EUR, USD, GBP | Usually card provider foreign exchange margin (more than 2%) |
The transparent cost of Alpian’s products and services
Every Alpian user is different and our fees reflect just that. Whether you’re a low or high-frequency user, Alpian helps you save money on fees over time. Discover our transparent breakdown of costs below.
| (1 year period scenario) | Alpian | Other Banks* |
|---|---|---|
| One current account | Included in Alpian fee | CHF 3 per month |
| Visa Debit card | Included in Alpian fee | CHF 50 per year |
| Foreign exchange transactions for 30'000 CHF | CHF 60 (0.20% fee) | CHF 450 (based on 1.5% fee) |
| Card payments (EUR,USD,GBP) for a total of 10'000 CHF | CHF 20 (0.20% fee) | CHF 150 (based on 1.5% fee) |
| Alpian fee1 | CHF 90 per quarter | - |
| Total | CHF 440 per year | CHF 686 per year |
Savings for Alpian Customer
CHF 264 per year
CHF 66 per quarter
*This is an example. Please check with your current bank if you would like to compare prices and/fees.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
| (1 year period scenario) | Alpian | Other Banks* |
|---|---|---|
| Three current accounts | Included in Alpian fee | CHF 9 per month |
| Visa Debit card | Included in Alpian fee | CHF 50 per year |
| Foreign exchange transactions for 50'000 CHF | CHF 100 (0.20% fee) | CHF 750 (based on 1.5% fee) |
| Card payments (EUR,USD,GBP) for a total of 25'000 CHF | CHF 50 (0.20% fee) | CHF 375 (based on 1.5% fee) |
| Alpian fee1 | CHF 90 per quarter | - |
| Total | CHF 510 per year | CHF 1'208 per year |
Savings for Alpian Customer
CHF 698 per year
CHF 174.50 per quarter
*This is an example. Please check with your current bank if you would like to compare prices and/fees.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
| (1 year period scenario) | Alpian | Other Banks* |
|---|---|---|
| Four current accounts | Included in Alpian fee | CHF 12 per month |
| Visa Debit card | Included in Alpian fee | CHF 50 per year |
| Foreign exchange transactions for 100'000 CHF | CHF 200 (0.20% fee) | CHF 1'500 (based on 1.5% fee) |
| Card payments (EUR,USD,GBP) for a total of 35'000 CHF | CHF 70 (0.20% fee) | CHF 525 (based on 1.5% fee) |
| Alpian fee1 | CHF 90 per quarter | - |
| Total | CHF 630 per year | CHF 2'219 per year |
Savings for Alpian Customer
CHF 1'589 per year
CHF 397 per quarter
*This is an example. Please check with your current bank if you would like to compare prices and/fees.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
1The Alpian fee of 90 CHF may be is adjusted down on opening an investment account.
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