Alpian review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alpian suits savers who want an easy-access account with a CHF 0 minimum and a CHF 0 monthly fee. The trade-off is interest: its variable rate is 0.01% to 0.1%, below the listed alternatives, while withdrawals remain penalty-free and accessible at any time without a lock-in or maximum cap.
Key facts
- Best for
- Flexible Swiss savings with easy access and no monthly account charge.
- Headline rate
- 0.01% to 0.1%↗
- Rate type
- Variable↗
- Minimum deposit
- CHF 0↗
- Access terms
- Interest credited monthly, calculated annually; withdraw anytime without penalties, no lock-in, no maximum cap↗
- Monthly fee
- CHF 0↗
- Account kind
- Easy access↗
- Legal entity
- ALPIAN S.A.↗
- Headquarters
- Switzerland↗
- Founded
- 2019↗
- Support channels
- Email, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- alpian.com
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- The easy-access savings account has a minimum deposit of CHF 0.
- The monthly fee is CHF 0.
- Interest is calculated annually and credited monthly.
- Withdrawals can be made anytime without penalties, lock-ins or a maximum cap.
Cons
- The variable headline rate of 0.01% to 0.1% is below Wise's 3.29% and bunq's 3.01%.
Who it suits
- Swiss savers who prioritise flexible access over a higher headline rate.
- People who want a small-balance savings account with a CHF 0 minimum.
- Customers who prefer email and chat support through email, chat and help centre.
Who should look elsewhere
- Wise offers a higher headline rate of 3.29%.
- bunq offers a higher headline rate of 3.01%.
- Finteres may suit savers seeking a wider headline-rate range of 0% to 36%.
Fees and FX
Alpian's easy-access savings account has a minimum deposit of CHF 0, so there is no required opening balance. The monthly account charge is CHF 0. Interest is calculated annually, credited monthly, and the account allows withdrawals without penalties or a lock-in.
How Alpian compares
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Where Alpian is available
- Available
- Switzerland
- Licence in Switzerland
- FINMA (Swiss Financial Market Supervisory Authority), bank licence, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Alpian charge to hold the savings account?+
The easy-access account has a monthly fee of CHF 0. Its minimum deposit is CHF 0, so there is no required opening balance. The pricing model also identifies the account as having no monthly fee.
What interest rate does Alpian pay?+
Alpian's headline rate is 0.01% to 0.1% and its rate type is variable. The rate is lower than Wise's 3.29% and bunq's 3.01%, which may matter to interest-focused savers.
Is the Alpian account easy to access?+
Alpian classifies the account as easy-access. Funds can be withdrawn anytime without penalties, and the account has no lock-in or maximum cap, making it suitable for savings that may need to remain liquid.
How is interest calculated and paid?+
Interest is calculated annually and credited monthly. The account also has a variable rate of 0.01% to 0.1%, so the applicable headline rate may change according to the pricing shown by Alpian.
Does Alpian require a minimum opening deposit?+
The listed minimum deposit is CHF 0. This makes the account accessible for small starting balances, although the variable headline rate of 0.01% to 0.1% is the main trade-off against the listed alternatives.
How can Alpian customers get support?+
Support is available through email, chat and help centre. These channels include email, chat and a help centre, giving customers several self-service or direct-support options for questions about the savings account.
Which regulator supervises Alpian in Switzerland?+
Alpian holds a FINMA bank licence in Switzerland. FINMA is the Swiss Financial Market Supervisory Authority, while the legal entity identified for the service is ALPIAN S.A.
Can money be withdrawn without an early-withdrawal penalty?+
Yes. Alpian allows withdrawals anytime without penalties, with no lock-in or maximum cap. That flexibility is the main operational strength of the easy-access account, alongside its CHF 0 monthly fee.
Sources
- alpian.com checked September 26, 2026
Backs: Headquarters, Legal entity, Monthly fee
“This website is owned and operated by ALPIAN S.A. Registered address: Quai du Seujet 18, 1201 Geneva, authorized and regulated by FINMA.”
- alpian.com/about-us checked September 26, 2026
Backs: Founded
“2019 October - Alpian is conceptualised as part of the incubator and accelerator program run by the REYL Group.”
- alpian.com/bank/savings-account checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type, Licences
“Earn interest monthly. No fees. No lock-in.”
- alpian.com/contact checked September 26, 2026
Backs: Support channels
“Discuss by email - Contact us by email for any questions about your account, investments, or other financial matters. Chat with our chatbot”
- alpian.com/pricing checked September 26, 2026
Backs: Headline rate, Pricing model
“Interest rates on CHF savings account: below CHF 125'000 balance 0.01% on the full account balance; above CHF 125'000 balance 0.10% on the full account balance”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.