Jean-Baptiste de Vevey from Alpian explains Alpian’s benefits, and the advantages of reviewing your banking relationships.
New year, new resolutions! What if you switched banks to benefit from more transparent fees, modern services, and improved financial management? Discover why Alpian could be the best choice for a smooth start to 2025.
A study* by moneyland.ch reveals that the Swiss remain particularly loyal to their banks, with only 36% having changed providers in recent years. However, switching to a bank that offers greater transparency, flexibility, and tangible benefits could make all the difference. So why not consider rethinking your banking relationship in 2025 and comparing your current bank with Alpian?
1. Complex banking fees and a lack of transparency
Many banks use complex fee structures, which makes it difficult for clients to know exactly how much they are paying each month. Account maintenance fees, hidden charges, and unexpected costs can add up quickly, often unnoticed.
At Alpian, we believe in simplified, fully transparent banking. Opening or closing an account is free, and there are no account maintenance fees. This no-surprise approach lets you manage your finances with clarity. Additionally, Alpian holds a full banking license from FINMA, ensuring the security of your deposits in Swiss francs up to 100,000 Swiss francs.
2. Unfavorable exchange rates and hidden fees
Currency transactions can be costly. Many banks, and even some neobanks that offer "free" accounts, apply high margins on exchange rates, increasing your expenses for foreign purchases or currency conversions.
At Alpian, we prioritize full transparency. We offer the best exchange rates on euros (EUR), US dollars (USD), and British pounds (GBP), with no commission. Whether you are shopping online abroad or converting a large sum to Swiss francs (CHF) for a property purchase, you benefit from advantageous rates with no hidden fees. For example, if you are planning to buy property in Switzerland and need to convert a large sum from euros to Swiss francs, Alpian allows you to do so under optimal conditions, saving on fees.
What is more, your Swiss franc, euro and US dollar deposits earn interest monthly on a pro rata basis. Ideal for growing your funds while waiting for an opportunity, such as the purchase of real estate.
3. Investment performance eroded by high management fees
Many banks highlight attractive investment returns, but these gains can be quickly eroded by high management fees, making investing less appealing than might appear.
Our mission is to preserve and grow your wealth while optimizing your time.
At Alpian, we offer high-performance investment solutions accessible to all, with no hidden fees. Three mandates are available to suit different investment levels and needs: Managed by Essentials, a discretionary mandate starting at 2,000 Swiss francs; Guided By Alpian (advisory) from 10,000 francs; and Managed By Alpian (discretionary) from 30,000 francs. Unlike other banks, our management fee is fixed at 0.75% of invested assets, which includes brokerage and custody fees, with no additional costs. Here you can see how, with equivalent risk profiles and hypothetical returns, Alpian's pricing can make a difference over the long term compared to other pricing models offered in Switzerland. Fees are billed quarterly.
At Alpian, we combine cutting-edge technology with the daily expertise of our investment team, who constantly reassess portfolios. Additionally, our wealth advisors are based in Switzerland, available from 8:30 am to 7:30 pm, and are fluent in French, English, Italian, and Swiss German.
Alpian has been recognized by moneyland.ch as one of the most cost-effective conventional asset management services in Switzerland in 2024.
Why wait? Join Alpian today and discover a new, transparent, and effortless way to manage your finances.
You can now download the Alpian application from the App Store or Google Play Store to take advantage of special conditions. Alpian grants a welcome bonus of 75 Swiss francs to Moneyland readers who open an account using the coupon code LAND25.** This offer is valid until 30.06.2025.
**In order to benefit from this preferential offer, a minimum deposit of 500 francs is required upon account activation. The bonus will be credited within 45 days.
*You can find the moneyland.ch study here.
