Radicant: The Sustainable and Digital Bank of BLKB in Switzerland | KreditSOS

Radicant is an innovative Swiss neobank that stands out for its strong commitment to sustainability and digitalization. Created as an independent subsidiary of the Basellandschaftliche Kantonalbank (BLKB), Radicant combines the solidity and experience of a traditional bank with the agility and technology of a fintech startup. It is aimed at clients who wish to align their financial decisions with sustainability values (ESG - Environmental, Social, Governance) and who seek a modern, transparent, and entirely app-managed banking experience.

What financial products does Radicant offer?

Radicant focuses on a core and targeted offering, developed for sustainability-conscious clients who prioritize digital management. Its proposal includes:

• Online Bank Accounts: For daily money management, with a focus on transparency and sustainability.

• Debit Cards (Visa Debit): For global payments and withdrawals, with attention to environmental impact.

• Sustainable Investments: Platforms and services for investing ethically and responsibly.

• Pillar 3a Pension Funds: Solutions for long-term planning aligned with ESG principles (in the launch phase).

Radicant's Digital Current Account Offers

The Radicant current account is designed for a completely digital and conscious banking experience. It offers all the necessary features for daily management, such as payments, transfers, and a clear overview of expenses via the intuitive app. The special feature lies in the integration of sustainability data: clients can view the impact of their transactions and contribute to sustainable causes directly from the app. The account opening process is simple and fast, entirely online. You can find more details on Radicant's current account here and compare it with other options.

Radicant's Visa Debit Card Offers

With the current account, clients receive a Visa Debit card that not only allows secure payments in Switzerland and abroad but is also produced with a special focus on sustainability (for example, with recycled or biodegradable materials). The card is integrated into the app, allowing complete control over transactions, limits, and security. International payments benefit from competitive exchange rates and a transparent fee policy.

Radicant's Sustainable Investment Offers

One of the pillars of Radicant's offering is sustainable investments. The platform allows users to invest in financial products (e.g., funds, ETFs) that meet rigorous ESG criteria. Clients can choose their own risk profile and desired impact, with the ability to monitor in real time not only the financial performance but also the positive impact generated by their investments. Radicant makes sustainable investments accessible even to those with more modest capital, supporting more responsible finance.

Advantages and Disadvantages of Radicant

To help you make an informed choice, here is a summary of the main pros and cons of relying on Radicant:

Advantages:

• Sustainability at the Core: Strong focus on financial products and practices with a positive impact.

• Innovative Digital Bank: Banking management entirely via app, with modern and intuitive features.

• Transparency: Clarity on costs and the sustainable impact of your finances.

• Solid Foundation: Benefits from the banking license and experience of the Basellandschaftliche Kantonalbank (BLKB).

• Swiss IBAN: Offers an account with a local IBAN, which is useful for residents in Switzerland.

Disadvantages:

• Essential Product Range: Does not yet offer the same breadth of services as a traditional universal bank (e.g., complex mortgages, personal loans, in-depth financial advice).

• No Physical Branches: As a digital bank, it does not have counters or in-person advice.

• Niche Focus: The offer is particularly attractive for those interested in sustainability, but might be less interesting for those seeking more "general" or purely low-cost services.

• Relatively New: As a recently established bank (albeit with solid backing), it may not have the same brand history as other banks.

Contacting Radicant: how to reach Radicant's customer service

If you need assistance or would like more information, here is how you can contact Radicant's customer service:

• In-app chat: The main channel for customer support.

• Email: service@radicant.com

• Phone: +41 58 790 70 00 (Monday to Friday, 08:00 AM – 5:00 PM)

• Online Help Center (FAQ): Section of frequently asked questions on the Radicant website.

Radicant Headquarters and Addresses

Radicant is a digital bank that operates primarily online but has its main headquarters in Switzerland.

• Main Headquarters: Radicant Bank AG, Hardturmstrasse 161, 8005 Zurich, Switzerland

• Other Locations: Radicant does not have physical branches open to the public. All operations and interactions take place digitally.