What Alpian does

Alpian S.A. is a FINMA-licensed Swiss digital private bank headquartered at 17 chemin des Crêts, Geneva, founded in 2019 and commercially launched in Q3 2022 after receiving its full Swiss banking license in April 2022. It operates a mobile-first platform (iOS and Android) exclusively for Swiss tax residents, combining a multi-currency Swiss IBAN account (CHF, EUR, GBP, USD with 0.20% weekday / 0.50% weekend FX markup), CHF savings account, premium metal Visa debit card, three investment mandates (Managed Essentials from CHF 2,000, Guided Premium from CHF 10,000, and Managed Premium from CHF 30,000) built on ETFs with daily rebalancing via Interactive Brokers as custodian, and an investment-based Pillar 3a managed by Lemania-Pension using BlackRock ETFs. A Signature tier at CHF 150,000 in assets or CHF 1,000 in monthly recurring investments unlocks a curated lifestyle partner ecosystem (AMEX Platinum/Gold via Swisscard, Uber One, Bucherer, Mercedes-Benz Driving Events, HotelCard, Proton, Carify, and others).

The company is a wholly-owned subsidiary of Intesa Sanpaolo Group, with Fideuram Intesa Sanpaolo Private Banking having led both the Series B+ (CHF 19M, April 2022) and the Series C ($83.7M, May 2024 — the largest Swiss FinTech deal of 2024). Revenue is generated primarily through recurring investment management fees (0.50%–0.75% on AUM), usage-based FX markups, one-time card issuance fees (CHF 60), and affiliate revenue from the AMEX/Swisscard partnership. Distribution is fully digital with no physical branches: self-serve onboarding in under 10 minutes, supplemented by in-app video consultations with certified wealth advisors in German, French, Italian, and English.

Go-to-market combines product-led growth (App Store, SEO, paid search) with inside sales for higher-tier mandates and partnership-driven acquisition, including a refer-a-friend program launched in January 2026 and an involuntary client migration partnership with radicant (BLKB's defunct online subsidiary) running through December 2026. The bank ranked #4 in Columbus Consulting's Q1 2026 Swiss digital private bank study covering 30 firms, displacing Pictet from fifth place, and holds a 4.5-star App Store rating. Customer concentration is distributed across individual retail and affluent clients with no disclosed enterprise accounts, though geographic concentration in Switzerland is 100% with explicit U.S. (FATCA) exclusion.

Name

Alpian

Legal name

ALPIAN S.A.

Website

https://alpian.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Alpian is a FINMA-licensed Swiss digital private bank offering multi-currency banking, ETF-based investment mandates, and Pillar 3a in a single app. It serves Swiss tax residents with free everyday banking and wealth management starting from CHF 2,000, backed by Intesa Sanpaolo.

Ownership category

akta.pro rank

Product category

Digital Private Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

National Commercial Banks (6021), Finance Services (6199)

akta.pro primary industry

Premium/Affluent Neobanks (FSABAFAE)

akta.pro secondary industries

Affluent / Mass-Affluent Private Banking (FSABADAC), Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL), Private Banking & UHNW Wealth Advisory (FSAEABAC), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Digital private banking
• Wealth management services
• Multi-currency accounts
• Investment management
• Retirement savings

Headquarters

HQ city

Geneva

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Banking Account Fees: Alpian charges no account opening or monthly maintenance fees. The account is free for all users, driving customer acquisition across Standard and Signature tiers. Revenue is generated indirectly through cross-selling investment services and premium card partnerships.
2. Foreign Exchange Markup: Revenue generated from currency conversion services: 0.20% markup on weekdays and 0.50% on weekends. The markup is applied on top of interbank rates for all multi-currency conversions within the app. This is a usage-based stream tied directly to client FX activity.
3. Investment Management Fees: Annual management fees ranging from 0.50% to 0.75% depending on mandate type and asset tier. Signature clients with CHF 300,000–500,000 in managed assets pay 0.60% + ~0.25% product TER; above CHF 500,000 pay 0.50% + ~0.25% product TER. For Pillar 3a: 0.60% per year plus ~0.15% TER. Fee reductions are available through promotional offers.
4. Debit Card Fees: Physical metal Visa debit card incurs a one-time CHF 60 issuance/replacement fee. Virtual cards are free. This is a minor one-time revenue stream.
5. Affiliate / Partnership Revenue (AMEX): Partnership with American Express (via Swisscard AECS GmbH) generates referral revenue when Alpian clients apply for AMEX Platinum and Gold cards through the app. Alpian receives a bonus per successful card issuance (CHF 300 for Platinum, CHF 50 for Gold credited to clients; Alpian earns interchange/ referral fees from Swisscard).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels10 records

Core offering

Alpian operates a FINMA-licensed Swiss digital private bank that combines free everyday multi-currency banking (Swiss IBAN, CHF/EUR/GBP/USD), a CHF savings account, a premium metal Visa debit card, three ETF-based investment mandates starting from CHF 2,000, and investment-based Pillar 3a retirement savings into a single iOS/Android mobile app. Wealth advisory is delivered via in-app video consultations in four languages, and the Signature tier (CHF 150,000+ assets) unlocks curated lifestyle partner benefits including AMEX Platinum, Uber One, Bucherer, Mercedes-Benz events, HotelCard, and Proton.

Product overview

Alpian is a Swiss digital private bank (FINMA-licensed) offering a unified financial platform combining everyday banking, investing, and retirement planning in a single mobile app. The core product portfolio includes multi-currency bank accounts (CHF, EUR, GBP, USD), investment mandates (Managed Premium discretionary from CHF 30,000, Guided Premium advisory from CHF 10,000, Managed Essentials ETF plans from CHF 2,000), Alpian Pillar 3a (BlackRock-based retirement savings), savings accounts, and metal Visa debit cards with virtual card support. The Signature tier (CHF 150,000+ assets) unlocks premium partner benefits including American Express Platinum/Gold cards, Uber One, Mercedes-Benz events, Bucherer, HotelCard, Proton, and lifestyle services. The platform integrates with Apple Pay, Google Pay, TWINT, and Visa+ for payments, uses Interactive Brokers as primary custodian, and offers an AI chatbot for customer support.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Currency Bank Account Digital bank account with Swiss IBAN supporting CHF, EUR, GBP, and USD currencies under a single IBAN, with competitive FX rates (0.20% weekday markup, 0.50% weekend) and no monthly fees. Free for all Swiss tax residents 18+ with valid residence permit; account opening completed in under 10 minutes via the mobile app.
• Savings Account CHF savings account earning monthly interest with no lock-in periods and no withdrawal penalties. Funds remain flexible and accessible with immediate availability.
• Managed Essentials Investment Mandate Discretionary ETF-based savings plan starting from CHF 2,000, fully managed by Alpian's investment team. Four pre-designed plans: Swiss, Global, ESG, and Global + Crypto. Starting fee 0.75% per year; ~0.25% ETF TER.
• Guided Premium Investment Mandate Advisory investment mandate starting from CHF 10,000 where clients make final investment decisions with professional guidance. Includes real-time recommendations and wealth advisor support. Starting fee 0.75% per year; ~0.25% ETF TER; minimum CHF 10,000.
• Managed Premium Investment Mandate Full-service discretionary wealth management mandate from CHF 30,000 with extensive personalization. Investment team manages portfolios daily with monthly journal reports and unlimited wealth advisor access. Starting fee 0.75% per year; ~0.25% ETF TER; minimum CHF 30,000.
• Alpian Pillar 3a Investment-based Pillar 3a (Swiss retirement savings) composed of 100% BlackRock ETFs, managed by Lemania-Pension. Eight strategy options (Swiss or global focus) with weekly rebalancing. First transfer from CHF 300, then from CHF 1. Management fee 0.60% per year + ~0.15% average product TER. Fully digital onboarding via the Alpian app.
• Metal Visa Debit Card Premium metal physical Visa debit card (CHF 60 one-time issuance/replacement fee) with up to 5 free virtual cards. Supports contactless payments, ATM withdrawals, Apple Pay, Google Pay, and TWINT pre-paid funding. Card valid for 5 years; virtual cards free.
• Signature Membership Tier Premium membership tier unlocked at CHF 150,000 in total assets or CHF 1,000+ in monthly recurring investments. Unlocks exclusive partner benefits including Bucherer CHF 500 voucher, Mercedes-Benz Driving Events, HotelCard, Proton Unlimited, Care, Carify, AMEX Platinum, Uber One (up to 12 months free), and 0.1% cashback on eligible card transactions with no cap. No additional account fee.

Quantifiable outcome

• FX markup up to 10x better than traditional Swiss banks (0.20% weekday vs. typical 1–2% at traditional banks)
• +6 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature6 records

Partnerships

20 partnerships are on record, tiered flagship, core and minor.

• Swisscard AECS GmbHflagshipGTM or Marketing Partner · 6 April 2022Swisscard AECS GmbH is the card issuer for American Express cards offered to Alpian clients. Through this partnership, Alpian clients can apply for the AMEX Platinum Card (CHF 300 Alpian bonus, 75,000 points, 50% first-year fee discount) and AMEX Gold Card (CHF 50 Alpian bonus, 45,000 points, 50% first-year fee discount) directly through the Alpian app. Swisscard is aware of the Alpian banking relationship upon application. Alpian earns referral/affiliate revenue per successful card issuance. The offer is valid until June 30, 2026.
• Lemania-Pension (Fondation Lemania de libre passage & Fondation romande en faveur de la prévoyance individuelle liée – 3a)flagshipStrategic or Co-development PartnerLemania-Pension operates two Swiss pension foundations — Fondation Lemania de libre passage and Fondation romande en faveur de la prévoyance individuelle liée – 3a. Alpian partners with Lemania-Pension to offer investment-based Pillar 3a solutions managed with 100% institutional-quality BlackRock ETFs, accessible entirely through the Alpian app. Lemania-Pension is the legal provider and custodian of the 3A assets; Alpian provides the digital onboarding interface and client experience. Alpian does not manage the assets directly.
• American ExpresscoreGTM or Marketing PartnerAmerican Express partners with Alpian via Swisscard AECS GmbH to offer the Platinum Card and Gold Card to Alpian clients. The Platinum Card provides 1,550+ airport lounge accesses, CHF 100 SWISS flight voucher, CHF 200 Sixt ride credit, Dining Credit at Gault&Millau restaurants, concierge service, travel and medical insurance, and hotel upgrades. The partnership brings premium travel and lifestyle benefits to Alpian's Signature tier.
• Uber OnecoreGTM or Marketing PartnerAlpian clients receive Uber One membership benefits: Standard tier gets 3 months free; Signature tier gets up to 12 months free. Benefits include CHF 0 delivery fee on eligible orders, up to 50% off service fees, and 5% Uber One credits on rides. Uber One family sharing allows sharing benefits with a family member at no additional cost. Alpian also ran a World Cup raffle partnership (June–July 2026) offering 10 winners a 12-month Uber One subscription for new clients using promo code UBER10.
• TapstercoreTechnology or IntegrationTapster develops wearable payment solutions (rings, bracelets, watch straps) certified by Visa and Mastercard. Alpian clients can link their Alpian debit card to Tapster wearables to pay contactless in 100+ countries with no phone or battery required. Alpian offers up to 40% off the Tapster store for Signature clients (30% for Standard). A limited Alpian × Tapster Bracelet was available at a preferential rate (300 pieces).
• LuigiacoreGTM or Marketing PartnerLuigia is a Swiss Italian restaurant group (Geneva, Nyon, Lausanne, Fribourg, Sion, Zurich, Basel) celebrated for wood-fired pizzas and ranked among the world's best artisanal pizzerias by 50 Top Pizza. Alpian clients enjoy an exclusive 10% discount when paying with their Alpian card at Luigia restaurants. Excludes Friday evenings, weekends, and public holidays in the relevant canton.
• CarifyminorGTM or Marketing PartnerCarify is a Swiss car subscription platform offering flexible vehicle subscriptions with transparent all-inclusive pricing (insurance, servicing, taxes). Alpian Signature clients receive CHF 200 off their first car subscription using a dedicated Alpian code at checkout. Valid for all subscription durations and vehicle categories.
• CareminorGTM or Marketing PartnerCare is a Swiss health tech company offering personalized health check-ups combining medical expertise with technology. Alpian clients receive an exclusive 20% discount on CARE health check-ups using a dedicated promo code. The code is valid for 12 months and can be used for multiple check-ups during that period at CARE locations across Switzerland.
• ProtonminorGTM or Marketing PartnerProton is a Swiss privacy-first technology company offering encrypted email, cloud storage, VPN, and calendar services. Alpian clients receive up to 38% off Proton Unlimited, the premium privacy suite. The partnership aligns Alpian's banking security positioning with Proton's data privacy services for Swiss clients.
• AiralominorGTM or Marketing PartnerAiralo is the world's first global eSIM store, offering affordable local, regional, and global data plans in 200+ countries. Alpian clients receive 15% off all Airalo data packages, enabling affordable global connectivity while traveling. Alpian clients share data with Airalo directly during registration; Alpian does not control Airalo's data handling.
• Splint InvestminorGTM or Marketing PartnerSplint Invest is a Swiss investment platform offering access to alternative assets (art, rare wines, luxury handbags, classic cars). Alpian clients receive a CHF 100 welcome bonus on their first Splint Invest investment using a unique onboarding code. Splint Invest manages sourcing, validation, storage, and resale.
• HotelCardminorGTM or Marketing PartnerHotelCard offers stays at 500 top hotels in Switzerland and neighboring countries at up to 50% off. Alpian Signature clients receive special rates: 6-month subscription for CHF 59 (instead of CHF 79), 1-year for CHF 79 (instead of CHF 99), and 3-year for CHF 197 (instead of CHF 297). Available for new customers only; valid until 31 August 2026.
• Mercedes-Benz (Driving Events)minorGTM or Marketing PartnerMercedes-Benz offers Signature Alpian clients exclusive access to driving events including: Culinary Tour (guided drive in latest Mercedes-Benz models with gourmet dining), Winter Experience (4MATIC driving course on snow), and AMG Experience (handling course at Mercedes-Benz Test Grounds in Immendingen). Alpian acts as intermediary; availability is limited and confirmed by Mercedes-Benz directly.
• BuchererminorGTM or Marketing PartnerBucherer is a Swiss luxury watch and jewelry house founded in 1888, with boutiques across Europe. Alpian Signature clients receive a CHF 500 voucher on purchases of minimum CHF 3,000 at bucherer.com or in any Bucherer boutique. Redeemable for watches, jewelry, and fine accessories. Non-transferable, single use, cannot be combined with other discounts.
• FirstcautionminorGTM or Marketing PartnerFirstcaution is a Swiss rental guarantee provider enabling tenants to secure homes without tying up large rental deposits. Alpian clients receive 15% off the first year's rental guarantee premium. Firstcaution is solely responsible for the service; Alpian acts as referral partner.
• MileniaminorGTM or Marketing PartnerMilenia is an independent Swiss credit broker working with most Swiss banks to secure the best available credit rates. Alpian clients benefit from priority processing of credit requests, rates from 4.9% (up to 10.95%), credit amounts from CHF 3,000 to CHF 400,000, and durations from 6 to 120 months. No hidden fees, no medical questionnaire, fully online application in under 3 minutes.
• Groupe Plus (Trustee)minorGTM or Marketing PartnerGroupe Plus Trustee (PLUS-SA SA, FINMA No. F01055633) is an independent Swiss fiduciary and tax consultancy headquartered in Lausanne with 25+ employees. Alpian clients receive free initial fiduciary assessment, priority support, and preferential discounts on accounting, balance sheets, audits, and tax reporting services. Alpian is not involved in the fiduciary process.
• Groupe Plus (Real Estate / Mortgage)minorGTM or Marketing PartnerGroupe Plus Mortgage is a FINMA-regulated independent Swiss mortgage advisor (25+ years of expertise) offering Alpian clients free first consultation and 360° financial assessment, priority handling, market-wide loan comparison from 20+ lenders, and optimized mortgage planning including tax and pension analysis. Alpian is not involved in the financing process.
• Radicant (BLKB Online Bank — Client Migration)flagshipOthersRadicant was an online bank subsidiary of BLKB (Basellandschaftliche Kantonalbank). Following BLKB's announcement in November 2024 to close radicant (which had cost CHF 165 million in write-downs), Alpian was selected as the migration destination for radicant's clients. This is an involuntary migration due to radicant's closure, not a voluntary partnership. radicant clients receive a special welcome offer: 1% cashback for one year (up to CHF 5,000 annual spending), 50% investment fee reduction through 2026, and CHF 15 quarterly bonus for assets above CHF 20,000. The migration transfers 3A accounts (cash investment) and general accounts from radicant to Alpian. Account opening takes ~10 minutes; asset transfers completed in 3–5 business days.
• Interactive BrokersflagshipTechnology or IntegrationInteractive Brokers serves as Alpian's custodian for investment securities (ETFs). Securities are held in the client's name with Interactive Brokers, providing legal ownership protection in case of bank or custodian insolvency. The assets do not form part of Interactive Brokers' estate and remain protected for the client. Alpian's daily investment cycle executes orders via Interactive Brokers, aggregating trades to eliminate transaction fees.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Yuh: Joint venture between Swiss cantonal banks (PostFinance, Raiffeisen Switzerland) offering a free Swiss neobank app with multi-currency support, savings, and investment features. Directly competes with Alpian for the same Swiss-resident digital banking customer with an overlapping product set.
• Neon (Switzerland): Swiss neobank (backed by Hypothekarbank Lenzburg) providing free multi-currency accounts, debit cards, and basic investing to Swiss residents. Closely comparable in target market, free-account model, and digital-only distribution, though narrower on wealth management.
• Zak (Bank Cler): Swiss mobile banking app from Bank Cler (Basler Kantonalbank subsidiary) targeting younger Swiss customers with a free account, multi-currency support, and integrated savings. Competes head-to-head with Alpian on the Swiss mass-retail digital banking segment.
• Selma Finance: Swiss digital wealth manager offering automated ETF-based investment mandates with low minimums and human advisor access. Direct competitor to Alpian's Managed Essentials and Guided Premium mandates for investment-oriented Swiss clients.
• VIAC (Viac Investments): Swiss digital Pillar 3a and wealth management platform owned by the Mobiliar group, offering low-cost ETF-based retirement savings. Closely comparable to Alpian Pillar 3a for the same tax-advantaged retirement use case and Swiss-resident customers.

Broad incumbents

• Pictet Group: One of Switzerland's largest private banks (CHF ~700B AUM) ranked alongside Alpian in Columbus Consulting's Swiss digital private bank study. Overlaps with Alpian in private banking-style wealth management but at a much higher client minimum and broader international footprint.
• Vontobel: Swiss private bank that took the #1 spot in Columbus Consulting's Q1 2026 Swiss digital private bank ranking, displacing Julius Bär. Directly comparable to Alpian in the Swiss digital private banking category but operates a much broader wealth and asset management franchise.
• Julius Bär: Swiss private bank previously ranked #1 in Columbus Consulting's digital private bank study (now overtaken by Vontobel). Competes with Alpian in the Swiss affluent/wealth management segment, though with much higher minimums and a global client base.
• Revolut: Global neobank with a Swiss offering covering multi-currency accounts, FX, and basic investing. Comparable to Alpian on digital multi-currency banking UX, but offers a much wider international product set (crypto, trading) and is not a FINMA-licensed Swiss bank.

Others

• Splint Invest: Swiss platform for fractional alternative-asset investing (art, wine, watches, cars). Already a partner of Alpian (CHF 100 welcome bonus for clients), so adjacent and ecosystem-linked rather than directly competitive.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/alpian_sa

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alpian