Alpian review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alpian is built for expats and travelers who want a digital only account with a monthly fee of CHF 0 and a 0.2% conversion charge. The Swiss provider is supervised by FINMA, and the easy-access savings rate of 0.01% to 0.1% is modest for anyone building a large balance.
Key facts
- Best for
- Expats and travellers wanting a no-fee digital account with cheap currency conversion and a savings balance.
- Monthly fee
- CHF 0↗
- Currency conversion fee
- 0.2%↗
- Currencies
- 4↗
- Local account details
- IBAN↗
- Transfer fee
- Free in-zone, CHF 7 out-of-zone↗
- Legal entity
- ALPIAN S.A.↗
- Headquarters
- Switzerland↗
- Founded
- 2019↗
- Support channels
- Email, Chat↗
- Audience
- Expats, Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Digital-only
- Official website
- alpian.com
Savings
- 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↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of CHF 0, with a 0.2% charge on currency conversion.
- Interest credited monthly, withdrawals any time, no lock-in and no maximum cap on the balance.
- Regulated in Switzerland by FINMA, with iban details for local payments.
- Minimum deposit of CHF 0 on the savings account.
Cons
- Savings interest is modest at 0.01% to 0.1%, well under the 3% site median.
- The service is digital only, so there is no counter for anyone who prefers to deal with someone in person.
- Support runs on email and chat only, which is narrower than a phone line.
Who it suits
- Expats and travellers who need 4 currencies and iban details in one place.
- People who want savings without a lock-in, a balance cap or a minimum they have to hit.
- Holders who mostly move money in-zone, where transfers cost Free in-zone, CHF 7 out-of-zone.
Who should look elsewhere
- Skrill, for shoppers who want to pay straight from a wallet rather than hold savings.
- eToro, for people who also want to trade investments alongside the account.
- PayPal Colombia, for sellers who need a payee wallet for online payments.
Rates and card terms
Alpian pays a headline rate of 0.01% to 0.1% on its savings account, and the rate type is variable, so the return follows the market rather than being fixed for a term. Interest is credited monthly and calculated annually. The account kind is easy access, so money can be taken out whenever needed without penalty, with no lock-in and no maximum cap on the balance.
How Alpian compares
8.7 vs 8.7
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8.7 vs 8.0
8.7 vs 8.9eToro has a monthly fee of £0 and pairs the account with investment trading, which Alpian does not offer.
8.7 vs 9.1
8.7 vs 9.2
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 9.0Skrill has a monthly fee of €0 and is built around wallet payments, while Alpian pairs the same free monthly fee with savings that pay interest.
8.7 vs 8.7
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.9- 8.7 vs 8.9
8.7 vs 8.7
8.7 vs 8.5
8.7 vs 8.5
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8.7 vs 8.2
8.7 vs 8.1- 8.7 vs 8.1
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 9.1
Where Alpian is available
- Available
- Switzerland
- Licence in Switzerland
- Swiss Financial Market Supervisory Authority (FINMA), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account?+
There is a monthly fee of CHF 0, so nothing is taken out each month for holding the account. Currency conversion costs 0.2%, and transfers cost Free in-zone, CHF 7 out-of-zone. The savings side carries a minimum deposit of CHF 0 and no monthly charge.
How much does Alpian charge to convert currency?+
Conversion costs 0.2%, a little under the 0.22% median for everyday accounts and well under the 2.08% figure across the site. You can hold 4 currencies in the same account, with iban details for local payments.
Who regulates Alpian?+
Alpian is supervised by the Swiss Financial Market Supervisory Authority, and the account runs under ALPIAN S.A. in Switzerland. The company was founded in 2019. It is a digital only provider, which matters if you would rather handle banking in person.
Can I get at my savings whenever I want?+
Yes. Interest on the easy-access savings account is credited monthly and calculated annually, and you can withdraw whenever you want without penalty. There is no lock-in and no maximum cap, and the minimum deposit is CHF 0, so the balance can start small and grow.
What rate does the savings account pay?+
The headline rate is 0.01% to 0.1% and the rate type is variable, so the return follows the market instead of being locked for a term. That sits below the 3% site median, so the account works better as a home for cash than as a way to build a large return.
How do I get help?+
Support runs on email and chat, so a question about a payment or a rate can be raised in writing or started as a live chat. The account is digital only, which makes that the whole service rather than one channel among several. Keep your account details to hand for a faster answer.
How many currencies can I hold?+
You can hold 4 currencies in one account and receive iban details for local payments, which suits expats and travelers. The count sits just under the 5 site median, so it is worth deciding which currencies you actually need before opening the account.
Who is Alpian aimed at?+
The account is aimed at expats and travelers who move money between countries. Transfers cost Free in-zone, CHF 7 out-of-zone, so in-zone payments are the cheapest route and out-of-zone transfers carry a charge. With a monthly fee of CHF 0 and a 0.2% conversion rate, keeping most of the balance local is the cheaper way to use it.
Sources
- alpian.com checked September 26, 2026
Backs: Legal entity
“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/bank/savings-account checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Earn interest monthly. No fees. No lock-in.”
- alpian.com/pricing checked September 26, 2026
Backs: Headline rate
“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”
- thepoorswiss.com/alpian-review checked September 26, 2026
Backs: Headquarters
- alpian.com checked September 26, 2026
Backs: Audience, Currencies, Features, Local account details, Pricing model
“New in Switzerland? Open your account”
- alpian.com/about-us checked September 26, 2026
Backs: Founded, Licences
“October - Alpian is conceptualised as part of the incubator - 2019”
- alpian.com/contact checked September 26, 2026
Backs: Support channels
“Discuss by email - Chat with our chatbot - Bank account”
- alpian.com/pricing checked September 26, 2026
Backs: Currency conversion fee, Monthly fee, Transfer fee
“FX markup weekdays 0.2% - Bank account pricing”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Alpian
Expats and travellers wanting a no-fee digital account with cheap currency conversion and a savings balance.