Alpian review
A free Swiss personal account pairs four currencies with savings and investment options.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Alpian brings everyday banking, savings and investing into a mobile app for private individuals who are Swiss tax residents aged 18 or older. Its personal account holds CHF, EUR, USD and GBP under one Swiss IBAN, supports salary receipt and bank transfers, and includes eBill and QR-code bill payments. Virtual and physical Visa debit cards cover card spending, while savings and investment services sit alongside the current account. The combination is aimed at people who want several financial tasks in one app, rather than a standalone account for payments alone.
The Standard plan has no monthly account fee and includes a multi-currency account and virtual cards. Signature adds a metal debit card without an additional plan fee when eligibility requirements are met; investment fees vary by invested amount. The savings account pays monthly interest with instant access: the stated rate is 0.01% p.a. below CHF 125,000 and 0.10% p.a. above CHF 125,000. Those rates are modest, so the account may suit users who value convenient access and integrated banking more than a high savings return. Some banking services and investments have separate charges, and outgoing international transfers may involve intermediary fees.
The service runs on iOS and Android, with Apple Pay, Google Pay and TWINT listed as integrations. Transfers between Alpian users are instant, and the app also supports international transfers. Investment options include managed and advisory portfolios, making Alpian broader than a payments-focused neobank; however, customers who prefer desktop banking should look elsewhere, since access is mobile-only. Chat is the listed support channel. Alpian is a fit for Swiss residents seeking a no-monthly-fee account that brings multi-currency banking together with savings and investing, but less suitable for people prioritizing stronger stated savings rates or desktop access.
Alpian pros and cons
- Where it wins
- Holds CHF, EUR, USD and GBP under one Swiss IBAN
- Includes bill payments, Visa cards and salary receipt
- Offers managed and advisory investment portfolios
- Where it doesn't
- Mobile-only access on iOS and Android
- Savings interest is 0.01% or 0.10% p.a., depending on balance
- Investments and some banking services carry separate charges
Alpian fact sheet, pricing and score →
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