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.