Gianmarco Bonaita, CEO of Alpian, discusses the bank's unique positioning and why partnering with Alpian is becoming attractive for residents of Switzerland.
Gianmarco, Alpian has seen impressive growth since its launch in 2022 and is now a well-established player in Switzerland. What are the key factors driving people to bank with Alpian?
Alpian was created to address two major needs:
1. Fair pricing and conditions: We aim to provide affordable access to the services most commonly used by affluent Swiss residents. This means offering attractive pricing for services, often without the recurring charges used by other banks. For instance, we offer a bank account with no basic monthly account fees, and a multi-currency account in CHF, EUR, USD, and GBP under one Swiss IBAN. Customers also get a debit card for worldwide payments with the best foreign exchange rates and without additional charges.
Additionally, we also use favourable terms and conditions for our products. For example, we are one of the few banks that pay monthly interest on accounts and have no restrictions on withdrawing funds from savings accounts. Those are significant benefits for our clients, allowing them to bank with Alpian and maintain full access to their funds at any time, ensuring peace of mind and preparedness for unexpected events.
2. Guidance and expertise in wealth management: Many individual traders lose money due to poor decisions made under pressure. Access to a wealth advisor has become a luxury in traditional banking, with the thresholds for access to a personal banker becoming ever more difficult to reach. At Alpian, every client enjoys this privilege at no additional cost and can schedule appointments with an advisor to discuss wealth management at any time.
Our solution is designed to give clients full autonomy, but we remain by their side when they need us. In addition to guidance, our investment solutions are 40 percent cheaper than those of traditional banks, aligning with the need for fair pricing.
“Having access to guidance and support from financial advisors at any time makes a significant difference for our clients.”
Changing banks is a hot topic, with many people considering neobanks for the first time. How do you convince them to start banking with Alpian?
Our clients benefit from the best conditions right from the first franc they deposit, demonstrating that every client is important to us. Our extensive range of services allows clients to maximize their use of Alpian. We've observed that many users not only increase their engagement with our services but also deposit more assets and optimise their investments with us.
Most importantly, opening an account at Alpian is simple and fully digital, and can be done in a few minutes.
What is the advantage of being part of the Intesa Sanpaolo Group with regards to building trust?
Intesa Sanpaolo is Italy's largest banking group and one of the largest in Europe. As our majority shareholder, their backing allows us to leverage their expertise to deliver even more value to our clients. In a world marked by uncertainty and significant changes in the Swiss banking sector, it's reassuring to offer our clients both financial guarantees and innovation.
Lastly, what is Alpian's added value for investors during turbulent times like the recent market fluctuations?
During the stock market turbulence in April, we received numerous calls from clients concerned about their investments. Our added value lies in providing tailored asset allocation that aligns with each client's risk profile, which is crucial in volatile times. Additionally, having access to guidance and support from financial advisors at any time makes a significant difference for our clients. We are close to our clients, helping them make rational decisions without letting emotions take control.
Periods of market turbulence can be daunting, but some see them as opportunities to buy assets. When this is the case, our advisors act as valuable allies, helping clients understand the risks they can afford to take and how much to invest.
Why wait? Join Alpian today and discover a new, transparent, and effortless way to manage your finances.
** 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.
