The banking platform for companies that treat their treasury like engineering. Accounts, cards, and payments in one auditable system — built in Switzerland, regulated by FINMA, priced in basis points you can read.
Hold and send CHF, EUR, USD, GBP, and 34 more from a single IBAN. No sub-accounts, no reconciliation gymnastics. Every transaction is tagged, exportable, and reconciled to your ledger in real time.
See supported currencies →Issue virtual and physical cards in seconds. Set spend limits per card, per merchant category, per team. Every swipe appears in the dashboard before the receipt hits your inbox. No monthly card fees, ever.
Card specifications →SEPA Instant, SWIFT, and 38 local rails from one interface. Our FX engine quotes the mid-market rate plus 18 basis points — printed on the confirmation screen before you approve. No hidden spreads, no "processing fees."
View FX pricing →REST and webhook primitives for payments, balances, and card issuance. Generate API keys with scoped permissions. Webhooks fire in under 400ms. Sandbox mirrors production identically — no mock modes, no "test" prefixes.
Read API docs →Alpenbank operates as a licensed fintech under Swiss FINMA regulation. Client funds are held in segregated accounts at the Swiss National Bank and protected up to CHF 100,000 per depositor. Our security posture is not a marketing page — it is a compliance document we publish in full.
For early-stage companies opening their first Swiss business account.
For operating companies managing payroll, cards, and international payments.
For finance teams with treasury, custom approval flows, and dedicated support.
We replaced three banking relationships with one Alpenbank account. Our finance team closes the month in two days instead of nine. The API alone paid for the migration.
The FX transparency is the reason we switched. We can show our auditors the exact mid-market rate and the 18 basis points on every transfer. No other Swiss bank gave us that.
Onboarding took eleven minutes. I timed it. Our previous bank took three months and two notarized letters. Alpenbank asked for the commercial register extract and we were live.
We issue 40 virtual cards per quarter for project budgets. Each one has a hard limit and a merchant whitelist. The spend data feeds directly into our accounting — no manual entry.