“Can a FINMA-licensed Swiss digital bank democratise private banking — multi-currency accounts, investment mandates, wealth advisors — for the mass-affluent segment at near-zero marginal cost per additional client?”
Founded in 2019 to bridge the gap between exclusive Swiss private banking and accessible digital banking, Alpian obtained its FINMA banking license in 2022 and launched a hybrid digital bank combining everyday banking with wealth management advisory. Rather than competing on price alone as a neobank, Alpian positioned itself as 'democratised private banking' — offering multi-currency accounts, investment mandates, and human wealth advisors in one app. The 2024 Series C from Intesa Sanpaolo Private Banking and the integration of lemania-pension for Pillar 3a signals a push into Swiss pension and retirement products as a third revenue pillar alongside banking and investment management.
Alpian Sa discloses Alpian SA (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Alpian Sa does not disclose a bank charter of its own; its banking services are provided through Alpian SA (in-house).
Alpian Sa runs its ledger on Temenos SaaS.
The Embedded Finance Index 2026 maps 2 layers in Alpian Sa's stack: Banking / BaaS (Alpian SA (in-house)); Ledger (Temenos SaaS).
Alpian Sa was founded by Gianmarco Bonaita, Marion Fogli and Alessandro Sbrizzi and is founded in 2019, headquartered in Geneva, Switzerland.
Alpian Sa has raised $134.9M in total (latest round: Series C, May 2024).
Get a read on where your own stack stands against Alpian Sa and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.