Updated September 29, 2026 · VaultCue Editorial Team
Alpian vs Satispay
Alpian
Satispay
Higher score in this comparison
Alpian vs Satispay: the differences
| Compare | AlpianReviewSee alternativesSee alternatives | SatispayReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CHF 0 | €0 |
| Currency conversion fee | 0.2%Lower | 0.5% |
| Transfer fee | Free in-zone, CHF 7 out-of-zone | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | 4 | Not confirmed |
| Free ATM withdrawals | Not confirmed | €200 |
Same on both: Local account details (IBAN).
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Key differences
- Satispay scores higher overall: 8.9 vs 8.7.
- Founded is lower at Satispay: 2014 vs 2019.
- Satispay is available in 29 more countries.
- Currency conversion fee is lower at Alpian: 0.2% vs 0.5%.
- Support channels: only Alpian offers Chat.
- Support channels: only Satispay offers Phone, Help centre.
- Audience: only Alpian offers Expats.
- Audience: only Satispay offers Business.
- Features: only Satispay offers Free ATM.
Our verdict on each
Alpian
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.
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Score breakdown
| Area | Alpian | Satispay |
|---|---|---|
| Cost | 9.2Transfers cost Free in-zone, CHF 7 out-of-zone and the minimum deposit is CHF 0, so running costs stay thin. | 9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. |
| Offer | 8.8Easy-access savings at a variable rate, credited monthly with no lock-in and no cap, inside a digital only service. | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. |
| Trust | 8.2 | 8.5Higher |
How they place
| Ranking | Alpian | Satispay |
|---|---|---|
| Savings accounts | 499 of 1420 | 435 of 1420 |
| Online banks | 156 of 402 | 133 of 402 |
Every fact side by side
| Fact | Alpian | Satispay |
|---|---|---|
| Audience | Expats, Travelers | Travelers, Business |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Legal entity | ALPIAN S.A. | Satispay Europe SA |
| Headquarters | Switzerland | Luxembourg |
| Founded | 2019 | 2014Lower |
| Support channels | Email, Chat | Email, Phone, Help centre |
Savings
| Fact | Alpian | Satispay |
|---|---|---|
| Headline rate | 0.01% to 0.1% | 2.61%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | CHF 0 | €0 |
| Access terms | Interest credited monthly, calculated annually; withdraw anytime without penalties, no lock-in, no maximum cap | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Alpian | Satispay |
|---|---|---|
| Exchange rate markup | Not confirmed | 0.5% to 1% |
| Delivery time | Not confirmed | Real time, instant between Satispay users |
| Payout methods | Not confirmed | Bank, Wallet, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Alpian | Satispay | Median |
|---|---|---|---|
| Currency conversion fee | 0.2%below the median | 0.5%at the median | 0.5% |
| Currencies | 4below the median | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | €200above the median | €1 |
Median across 536 listed accounts.
Pros and cons
Alpian
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.
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.
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
Who each suits
Alpian
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.
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Alpian | Satispay |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
Alpian
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.
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
Other options to compare
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Related by the facts
Alpian
Satispay