Unsere Meinung zum Alpian Savings Account
An inverted interest rate: 0.01% on small balances, 0.10% only if you deposit CHF 125,000+.
The Alpian Savings Account ranks #29 among Switzerland's 31 savings accounts. It's a digital-first savings product with an unusual inverted rate structure that rewards larger balances. For most savers, the effective rate is near zero. But the flexibility is genuinely impressive.
Is the Interest Rate Competitive?
At 0.01% on balances up to CHF 125,000, this is effectively zero. On CHF 100,000, you earn CHF 10 per year. That's not even worth calculating. Above CHF 125,000, the rate jumps to 0.10%, which is still below average.
The inverted structure (better rate on higher balances) is the opposite of what most Swiss banks do. Most offer their best rate on the first CHF 50,000 to CHF 100,000 and drop after. Alpian penalizes small savers and rewards wealthy ones.
What Actually Stands Out
No withdrawal limits and no notice periods. That's extremely rare for a savings account. You can move money freely, anytime, any amount. Plus, monthly interest crediting instead of the annual crediting most Swiss banks use.
Four currencies (CHF, EUR, USD, GBP) can be held in one account. Alpian is a FINMA-licensed Swiss digital bank focused on wealth management. Your deposits are covered by Swiss deposit insurance up to CHF 100,000. Free termination.
What Most Reviews Miss
The 0.01% rate on balances under CHF 125,000 makes this one of the worst savings accounts for typical Swiss savers. You'd earn more interest leaving your money in most checking accounts. The account only becomes remotely competitive above CHF 125,000.
Alpian positions itself as a wealth management platform, not a savings bank. The savings account is an accessory to their investment services. Not suitable for payment services despite the flexibility. Age 18+ required.
The Bottom Line
The Alpian Savings Account is designed for wealthy clients who keep large CHF balances alongside their investment portfolio. For most savers, the 0.01% rate makes this a non-starter. The unlimited withdrawals are nice but irrelevant when there's nothing to earn. Check better options in our best savings accounts in Switzerland guide.
Verdict: Only interesting with CHF 125,000+. Below that threshold, look almost anywhere else.
Vorteile
- No annual fees
- No minimum deposit required
Nachteile
- Low interest rate
- Age restriction: For individuals from the age of 18.
Kontodetails
Auf einen Blick
Kontoführung
Keine Gebühr
Zinssatz
0.01%
Debitkarten-Gebühr
—
Währung
CHF
Mindesteinlage
CHF 0
Gebühren & Kosten
Gebühren & Kosten
Kontoeröffnungsgebühr
Keine Gebühr
Kontoführung
Keine Gebühr
Debitkarten-Gebühr
—
Banking-Funktionen
Banking-Funktionen
Mobile Banking
Nicht verfügbar
Online Banking
Nicht verfügbar
Hauptmerkmale
- Free account management
- No annual fee for debit card
- High interest rate of 0.01%
- Low minimum deposit requirement
Mindestalter
Ab 18 Jahren
Bezugsbedingungen
Bezugsbedingungen
Kontoauflösung
Kostenlos
Zusätzliche Informationen
Zusätzliche Informationen
- Not suitable for payment services
Berechnen Sie Ihre Zinserträge
Sehen Sie, wie viel Ihre Einlage mit dem Zinssatz von 0.01% dieses Kontos verdienen könnte.
Nach 1 Jahr
+CHF 5
Gesamtwert: CHF 50'005
Nach 3 Jahren
+CHF 15
Gesamtwert: CHF 50'015
Nach 5 Jahren
+CHF 25
Gesamtwert: CHF 50'025
Bewertung nach Kategorie
Mit ähnlichen Konten vergleichen
Häufig gestellte Fragen
- Why does interest go UP at higher balances?
- 0.01% on the first CHF 125,000, then 0.1% on everything above. That's the inverse of how Swiss savings tiers usually work, where banks penalize bigger deposits. Alpian targets clients with mid-six-figure balances, so the structure rewards parking serious capital.
- Can I hold multiple currencies in one account?
- Yes, up to four (CHF, EUR, USD, GBP) in a single account. Useful if you're paid partly in foreign currency, hold a foreign property, or want to diversify currency exposure without juggling multiple savings products. Each currency earns the same tiered structure.
- How often is interest credited?
- Monthly, not annually. Most savings accounts pay interest once a year (December 31). Monthly crediting means you start compounding from January, not from year-end, which adds a few extra basis points over time. Small but real.
- Are there any withdrawal restrictions?
- None. Any amount, any time, no notice. Most savings accounts in our database cap notice-free withdrawals between CHF 10,000 and CHF 50,000. No limit means you can sweep the entire balance to a checking account in one transaction if needed, useful for opportunistic large purchases.
So haben wir dieses Konto bewertet
Sie fragen sich, warum Alpian Savings Account diese Bewertung erhalten hat? Wir bewerten Sparkonten-Konten mit einer gewichteten Formel. So setzt sich die Note zusammen.
Dieselbe Formel für jedes Konto in dieser Kategorie. Ohne Ausnahme.
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