Alpian – Full Review (September 2025), get 75 + 125 CHF

Alpian is a Swiss digital bank offering banking and investment services in a single app. Founded in 2019, the bank was launched to the public in 2022.

Its objective: to democratize access to private banking services by offering a digital alternative to traditional institutions. Alpian thus offers accessible and innovative wealth management services, focusing on simplicity, ease of use, and maintaining a human approach.

In terms of the app, Alpian rivals the best neo-banks with a modern, intuitive, and smooth interface. The application stands out for its speed, clear menus, and easy access to essential functions, while offering wealth management services absent from traditional neo-banks.

account and card 💳

• A free multi-currency account in CHF, EUR, USD, GBP in Switzerland
• Certified Wealth Advisors
• Personalized and tailored investment strategy
• Paid VISA debit card, but free virtual cards
• Interest-bearing savings account

investment 📈

• Creation of a personalized investment strategy based on your preferences
• Investment by the Alpian team
• Professional portfolio management by experts

There are 2 types of mandate:

• Discretionary mandate: Alpian actively manages your portfolio.
• Advisory mandate: You benefit from expert advice, but manage your own portfolio.

Alpian also offers ETF savings plans.

It’s important to note that Alpian focuses almost exclusively on investing in ETF portfolios and funds. It is not a trading platform.

Read the investment guide with Alpian to learn everything about available solutions.

You need to download the Alpian application. The registration process takes about 10 minutes. You need an original valid Swiss passport or identity card.

Once the account has been opened, an initial deposit of any amount is required to activate it.

Alpian Promo Code

Use the promo code HEYALP to receive 75 CHF for deposits of 500 CHF and 125 CHF for any mandate of at least 10,000 CHF.

Free account ✔︎

Receive 200 CHF

Open an account and receive a black metal VISA debit card. The card is sent automatically.

The card normally arrives within 5 days, delivered in a nice foldable glasses case. It doesn’t have a number, expiration date, or three-digit code. This information is available in the app.

The card is chargeable (60 CHF). However, Alpian offers up to 5 free virtual cards.

Alpian VISA Debit in brief:

• Code-free contactless payment up to CHF 80. Cannot be modified. Beyond that, the code is required.
• Works with Apple Pay and Google Pay.
• Push notification available for card payments.
• Generation of virtual bank cards (possibility to create up to 5 cards for free).
• Virtual cards can be deleted and modified at will.

Alpian customers can request a paid American Express Platinum Card (-50% for the first year, i.e., CHF 450 instead of CHF 900). It includes benefits such as airport lounge access and hotel upgrades. Alpian also provides a cashback of 200 CHF, reducing the cost to 250 CHF for the first year.

The American Express Gold card is also available for Alpian customers with the following conditions:

– 175 CHF for the first year instead of 350 CHF
– 45,000 points instead of 15,000
– 50 CHF cashback

The application is suitable for all situations in Switzerland:

• Track account movements
• Mobile payments: Apple Pay, Google Pay
• Scan Swiss QR bills 🇨🇭
• Change contact details
• Locking and replacing the card
• Set map limits
• Schedule an appointment with an advisor
• Interact with support
• Ability to view and manage PIN code from the app
• Currency conversion via the application (very favorable rates)
• Access to investment portfolios “Guided by Alpian”, “Managed by Alpian Essentials”, and “Managed by Alpian” directly from the app

Features we would like to see soon:

✘ Dedicated TWINT app
✘ eBill not available

Alpian Promo Code

Use the promo code HEYALP to receive 75 CHF for deposits of 500 CHF and 125 CHF for any mandate of at least 10,000 CHF.

Free account ✔︎

Receive 200 CHF

CHF deposits do not earn any interest.

For USD and EUR amounts, they earn monthly:

• 1% on deposits up to EUR 500,000.
• 1% on deposits up to USD 100,000.

• Swiss transfers from an ALPIAN account to another Swiss account are fast. In the morning, they arrive the same day; in the afternoon, the next day.
• Weak point, ALPIAN does not offer an instant transfer option between users like Yuh, Zak or Neon.

Here’s how to deposit cash into your Alpian account. You buy a TWINT top-up at a Post Office, Coop, or Interdiscount with the amount you want to deposit into your account:

With TWINT Prepaid, you need to select the “Unload credit” function then indicate an amount and the account IBAN.

The money is deposited into the account 2 to 3 working days later.

• The multi-currency account is free
• Visa Debit card: 60 CHF

Transactions in CHF, EUR, USD, GBP are free if you already have the required amount in these currencies. Otherwise, conversion fees apply:

• 0.2% surcharge on weekdays and 0.5% on weekends for transactions in one of the four default currencies
• VISA exchange rate (approx. 0.50% of the real rate) for transactions in all other currencies.

Transfers

• Free SEPA transfers (EURO zone + Switzerland)
• Free CHF, USD and GBP transfers in their respective zones
• 2 CHF: AUD, DKK, NOK, PLN, SEK, CAD, CZK, HRK, HUF, RON, SGD
• 7 CHF for all other currencies

Examples:

• A transfer in EUR to France is free of charge.
• A USD transfer to the United States is free of charge.
• AUD transfers to Australia are charged at CHF 2.
• A transfer in RUB to Russia is charged at CHF 7.

An exchange rate surcharge of 0.2% on weekdays and 0.5% at weekends also applies (excluding CHF, EUR, USD, GBP).

Cash withdrawals

At ATMs (cash dispensers) :

• Switzerland: 2 CHF
• Abroad: 2.5%
• EUR/USD/GBP: 5 EUR, 5 USD, 5 GBP

Investments

ALPIAN applies an annual investment mandate fee of 0.75%. No transaction fees or custodian fees (these are included in the 0.75%).

• Discretionary mandate – Managed by Alpian (Minimum investment 30,000 CHF)
• Advisory mandate – Guided by Alpian (Minimum investment 10,000 CHF)
• ETF savings plans – Managed by Alpian Essentials (Minimum investment 2,000 CHF)

Discover all Alpian investment solutions.

Alpian Promo Code

Use the promo code HEYALP to receive 75 CHF for deposits of 500 CHF and 125 CHF for any mandate of at least 10,000 CHF.

Free account ✔︎

Receive 200 CHF

1. Plan your transactions: Alpian is a multi-currency account with no transaction fees, but applies a currency exchange rate surcharge of 0.2% and 0.5% at weekends. Opt for a large amount to minimize the impact of fees.
   
2. Limit cash withdrawals: withdrawal fees abroad are high (2.5%). Plan your cash needs and use your card for payments whenever possible.

As you would expect from a private bank, ALPIAN offers a qualitative service.

• Human advisors: chat or schedule a phone appointment with your personal investment advisor.
• Responsiveness: quick and precise answers to your questions.
• Live Chat: from 8:30 a.m. to 7:30 p.m. from the application for operations and transactions.
• Video call: from 08:30 to 18:30 for investments from the application.
• No chatbot: interact directly with experts.
• Premium service: higher fees justified by private bank-quality service.

Consult an advisor by video-conference or chat via the app

Yuh vs Alpian

Yuh allows you to hold multiple currencies (CHF, EUR, USD) in the same account, avoid automatic conversions, and use its own TWINT app for mobile payments. However, it doesn’t support LSV, remains limited to SEPA transfers, and offers no human support in financial management.

Alpian goes further with multi-currency management (including USD and GBP), allows international transfers without fees, and offers a card designed for use abroad, but it is charged at 60 CHF and withdrawals remain chargeable.

Also read

For a detailed, criterion-by-criterion comparison: see our Yuh vs Alpian comparison.

To be preferred if…

• you want a free multi-currency account, easy to use, with a mobile card and quick access to autonomous investment: Yuh (read Yuh review and test)
• if you’re looking for more structured management, with free international transfers, multiple currencies, and a more wealth-oriented banking framework: Alpian

To avoid if…

• you use LSV for subscriptions or insurance
• you’re looking for a free card with no withdrawal fees
• you don’t plan to use currency-related or advisory functions

Alpian vs Radicant

Radicant covers the essential Swiss banking needs well: CH IBAN, integrated TWINT, eBill, QR payments, and support for CHF and EUR. However, it remains very limited outside the Swiss or SEPA framework: no international transfers, no multi-currency card, high fees outside the euro zone.

Alpian goes further for those with currency flows: management in CHF, EUR, USD, GBP, free international transfers, and an interesting card for use abroad, but less suitable for simple local use without investment intentions.

To be preferred if…

• you want a multi-currency account, with free international transfers and a card optimized for abroad: Alpian
• you stay in Switzerland or the euro zone, with simple needs and a desire to invest sustainably: Radicant (read Radicant review and test)

To avoid if…

• you travel outside the euro zone or have payments in USD or GBP
• you want to group payments, currencies, and transfers in a single interface without geographical limits
• you don’t plan to use functions related to sustainable investment

Alpian vs Revolut

Revolut is designed for flexibility abroad: you can receive or send money in multiple currencies, payments go through without forced conversion, and the card works without extra cost in most common areas. But when it comes to receiving a salary in Switzerland, paying rent by QR bill, or activating a subscription by LSV, it falls short: no CH IBAN, no compatibility with Swiss banking standards, and no TWINT.

Alpian better fits this framework: Swiss IBAN, QR payments, multi-currency transfers without fees, virtual card from account opening, and a more readable app for use in Switzerland and abroad, but all withdrawals are chargeable and the physical card costs 60 CHF.

Also read

For a detailed, criterion-by-criterion comparison, see our Alpian vs Revolut comparison.

To be preferred if…

• you’re looking for a structured account compatible with Switzerland, while being able to send or receive international payments: Alpian
• you travel frequently or make currency payments in several countries without local constraints: Revolut (read Revolut review and test)

To avoid if…

• One wants to use TWINT, eBill, or automate recurring payments in Switzerland
• you need free withdrawals or an included physical card
• you receive income in CHF or need to pay bills via a CH IBAN

Alpian is suitable for those who have banking needs in CHF, EUR, USD, or GBP while living in Switzerland. The app combines a stable multi-currency account, a card usable “abroad, and international transfers without fees. But what distinguishes Alpian in the long term is the possibility to access, from the same space, a wealth management service comparable to that of a private bank without having to change” institutions or multiply points of contact.

Alpian Promo Code

Use the promo code HEYALP to receive 75 CHF for deposits of 500 CHF and 125 CHF for any mandate of at least 10,000 CHF.

Free account ✔︎

Receive 200 CHF

Compare all online banks in Switzerland with our detailed comparison of neo-banks.

What do you think of Alpian?

• Are you as impressed by the design as I am?
• Have you ever used the advisors of a private bank?
• Do you think Alpian will replace them all?

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