At Alpian, we are committed to providing the benefits of competitive interest rates directly to our clients. Our rates are based on the current interest rates offered by the Swiss National Bank (SNB).
Here is the interest rate structure applicable from 15 February 2026:
- CHF savings account: The more you save, the more you earn!
- 0.01% if your balance is below CHF 125’000
- 0.10% if your balance is above CHF 125’000
- EUR accounts: 0% on the first EUR 10’000, 0.75% on the portion between EUR 10’000 and EUR 500’000, and 0% on the portion above EUR 500’000.
- USD accounts: 0% on the first USD 10’000, 1% on the portion between USD 10’000 and USD 500’000, and 0% on the portion above USD 500’000.
- GBP accounts: 0% on all balances.
- CHF bank account (as distinct from the savings account): 0% on all balances.
Alpian remains dedicated to delivering value to our clients holding multiple currencies. Interest is credited monthly, facilitating compounding returns and ensuring full access to your funds at any time.
Rates as published on the Alpian pricing page, effective 15 February 2026. Always check alpian.com for the current published rate.
Explore the full article to discover how Alpian is making your savings work harder in every currency. Don’t miss out on these new opportunities to grow your wealth!
Last verified: May 2026
Key takeaways
- Alpian’s savings account currently pays competitive interest in CHF, EUR, USD and GBP — multi-currency yields without the friction of opening separate accounts at multiple banks.
- Swiss interest rates have shifted since the SNB cycle began in 2022. Most retail bank rates now sit between 0.50% and 1.25% — but the spread between the top and the median is significant.
- Multi-currency savings matter for Swiss residents holding EUR or USD-denominated obligations (cross-border purchases, foreign tuition, second homes). Earning interest in the holding currency removes FX risk on the interest itself.
- See Alpian’s current savings rates for CHF, EUR, USD and GBP — updated alongside SNB policy changes, with no minimum balance and no monthly fee.
Why are interest rates so important?
Interest rates hold a crucial role in the banking sector, representing both the cost of borrowing money and the potential return on cash deposits.
When understood and utilised correctly, they can significantly impact the growth of your savings over time.
Moreover, it’s worth highlighting that interest rates can vary based on the amount you deposit in your account. Typically, accounts with larger balances benefit from more attractive interest rates, promoting greater returns over extended periods.
What sets Alpian’s interest rates apart?
Unlike many traditional and neo-banks in Switzerland, Alpian’s approach is very simple. We eliminate completely the typical conditions that often hinder earning interest. Here’s what makes our interest rates truly stand out:
Monthly payouts
Nothing beats payday, right? For your money, it means compounding returns too! We’re one of the only digital banks in Europe to offer the annual interest paid monthly.
Risk-free returns
If you’re not investing or are saving money for a big purchase, keeping your savings in an account that earns positive interest is the smart choice.
Withdraw anytime
As always, you can access your money anytime, without restrictions. Far better than traditional savings accounts!
Below is a comparative table highlighting common requirements to earn interest rates and how Alpian has simplified the process for you:
| Requisite | Alpian Bank | Other Swiss banks |
|---|---|---|
| Specific account type, like savings accounts | Not required | Often mandatory |
| Waiting period to receive the interest | Not required | Often mandatory |
| Minimum balance requirements | Not required | Often mandatory |
| Waiting period to withdraw the cash | Not required | Often mandatory |
| Account activity and minimum transactions | Not required | Often mandatory |
| Limit on number of withdrawals | Not required | Often mandatory |
| Only new money receives the interest | Not required | Often mandatory |
| Loyalty or relationship rates | Not required | Often mandatory |
| Direct deposit requirements | Not required | Often mandatory |
Interest rates are a simple means to grow your money by just letting it sit in a bank account. While it may not be an active investment, your funds are certainly being productive.
By closely monitoring the rates offered by various banks, you can capitalise on this passive growth approach. Over the years, these seemingly modest interest rates can compound, resulting in significant long-term financial gains. Always stay informed and choose smartly!
Frequently asked questions
How often do Alpian’s interest rates change?
Alpian reviews its rates periodically, typically in response to Swiss National Bank policy decisions and shifts in interbank funding markets. Major SNB rate decisions (every quarter) are the most common trigger. Always check the current published rate rather than relying on historical figures — and the rate displayed on alpian.com is the rate you receive.
Is Alpian a regulated bank?
Yes. Alpian is licensed by FINMA (the Swiss Financial Market Supervisory Authority) as a Swiss bank. Client deposits are protected under the Swiss deposit guarantee scheme (esisuisse) up to CHF 100’000 per client per bank — the same protection applied to deposits at traditional Swiss banks. Alpian is majority-owned by the Intesa Sanpaolo Group.
How is interest paid on EUR, USD, and GBP balances?
Interest on foreign-currency balances is paid in the same currency the balance is held in. EUR interest accrues in EUR, USD in USD, GBP in GBP — there is no conversion to CHF unless you choose to convert. This is the key advantage of true multi-currency banking: yields stay in the holding currency and FX exposure is your choice, not the system’s default.
Can I open an Alpian account from outside Switzerland?
Alpian primarily serves Swiss residents, including expats living in Switzerland. Account opening is fully digital via the app — no branch visit required. Standard identity verification applies (passport or residence permit). For specific cross-border situations, check Alpian’s eligibility criteria before applying.
If you’re keen to understand further how these rates can impact your personal wealth, our expert wealth advisors are at your service via the app or by scheduling a consultation here.
Are you interested in learning more about interest rates? We have written an article on the topic: “Interest rates in Switzerland: How do they impact you?“
