Alpha RHEINTAL Bank AG

Alpha RHEINTAL Bank AG is a Swiss regional bank headquartered in Altstätten in the St. Gallen Rhine Valley, focused on retail and SME banking with a traditional balance-sheet model centered on deposits and mortgages. The bank offers current and savings accounts, youth and retirement-related products (including pillar 3a solutions), debit and credit cards, domestic and international payments via IBAN/SWIFT, and financing for households and small to mid-sized businesses, including fixed-rate and SARON-based mortgages. Investment services typically include custody, brokerage, investment advisory, and discretionary mandates using funds and structured products from third parties as well as in-house views, with standard suitability and appropriateness checks under Swiss rules. Digital channels include e-banking and a mobile app for payments, QR-bill processing, transfers, and portfolio views, generally secured with two-factor authentication; branch and phone support remain available for more complex needs. Pricing follows published fee schedules with package options and charges for cards, withdrawals, payments, and custody; foreign transfers and securities services are usually priced separately. As an Aktiengesellschaft supervised by FINMA and subject to SNB requirements, the bank participates in the Swiss depositor protection scheme (esisuisse) covering eligible deposits up to CHF 100,000 per client and maintains capital and liquidity in line with Swiss/Basel standards. Service eligibility for non-residents and cross-border investment offerings are restricted by regulation. As with most regional lenders, risk exposure is influenced by local economic conditions, interest-rate movements, and the mortgage and SME loan book; investment products carry market risk that can lead to losses.