User Posts: Philippe
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How much is the interest rate of Neon Bank The interest rate of Neon Bank is 0.00% inHere is what we can read on Neon's Pricing page:Interest on ...

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Want to save money on your bank charges? Zak is one of the leading neobanks in Switzerland offering a completely free bank account. With traditional Swiss ...

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Some large Swiss banks offer free private bank accounts. But the opening process usually requires that your visit a branch or send documents by post. With the ...

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We often refer to SEPA countries in our articles, so it seems necessary to recall the list of countries that participate in the SEPA system.SEPA stands for ...

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Browsing All Comments By: Philippe
  1. Thanks a lot for your comment and for confirming this from a client’s perspective — that’s incredibly helpful.

    If the app today only shows ITD (Inception-To-Date) performance without specifying that it’s TWR, and there’s no other breakdown (like TWR vs. MWR), then it’s fair to say that the methodology is unclear. You’re absolutely right: this makes it hard — if not impossible — to compare Alpian’s performance with other platforms that explicitly report TWR.

    I originally received confirmation from Alpian that TWR was used, but clearly the current user experience doesn’t reflect that. I really appreciate your feedback, and I’ll update the review to flag this more transparently for readers.

  2. Thank you very much for your detailed follow-up — and no worries at all about reposting!

    You’re absolutely right to highlight the discrepancy. I did originally check with Alpian, and they stated that the performance figure was based on TWR (Time-Weighted Rate of Return), which is the GIPS-recommended standard. However, your observation is very valid: the earlier screenshot showed “TWR 3.7% (ITD)”, but today neither the app nor their website seems to mention TWR anymore.

    If clients are now only seeing P/L (ITD), that strongly suggests a shift — either in reporting methodology or simply in transparency. And yes, P/L is not equivalent to TWR. This definitely makes comparisons with other banks and robo-advisors more difficult, which contradicts Alpian’s original claim of standardised reporting.

    Thank you again for your insightful contribution — I’ll add a note to the article to reflect this concern more clearly. You’re helping make this resource better for everyone!

  3. Thank you for your comment, I double checked with Alpian and this is what they say: This refers to TWR performance (time-weighted), which is the industry-standard practice (per the GIPS recommendations). It allows you to compare one platform’s performance to another’s by excluding the impact of cash flows.

  4. All Swiss bank will comply with Automatic Exchange of Information.

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