FAQs

Frequently asked questions

  • Card and e-banking
  • Products
  • ALEA World
  • Expert
  • Security
  • Process
  • About us

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How do I order my card?

Register on our website. After confirming your email address, you will have access to the application.
Complete the verification process - Your card will then be ordered automatically.
 
Product ALEA, virtual map
The "virtual card" will be available to you immediately after successful onboarding.
 
Product PASS, physical card
You can reorder the physical card in the application.
The card is usually delivered to your home within ten working days.

When will I receive my card?

After successful onboarding, you will need to make an initial transfer. Subsequently, your "virtual card" will be available in the app within five days. The physical card is usually delivered to your home within ten working days.

How do I activate my card?

Activation is only necessary for the debit card PASS.
 
Click on the "My Card" button in the app.
 
Click on the "Activate" button.
 
3. IMPORTANTAfter you have received your card by post, you must insert the card into the terminal and enter the PIN from the application the first time you use it. You will find the PIN under "My card", section "PIN". Then click on "Query".
 
The ALEA debit card is Already activated on delivery and also has none PIN.

How do I add my card to Apple Pay, Samsung Pay or Google Pay?

Please go to the following page: https://alea-world.ch/mobilepayment/

How can I check the transactions and balance on my card?

By simply logging in to the app or via the website.

In the app, you can make payments, check your account balance and deposit standing orders.

Does the ALEA virtual debit card have a PIN?

The ALEA virtual debit card does not have a PIN.

The amounts that can be paid without the PIN are the same as the amounts that can be paid with the PIN for the debit card PASS. For more details on limits, please enter "limits" in the search function. 

Does the PASS debit card have a PIN?

Yes, the debit card PASS has a PIN.

You can view the PIN under "My card", "PIN queries".

What can I use the Mastercard Debit for and how?

The Mastercard Debit is on the one hand a debit card that can be used as a payroll account and with its own IBAN for payments and on the other hand contains a PAN number. This payment card can thus be used for all purchases (offline as well as online). Deposit the card for standing orders for online subscriptions, pay at the hotel or use the apps Twint, SBB, etc.

How can I block my card if it is lost or stolen?

You can also use the app for this. In the app under the heading "My card" you will find the button "Block card".

What are the limits for the card and the account?

There is a daily transfer limit of CHF 30'000 on the accounts of Hypothekarbank Lenzburg. With the card, you can withdraw a maximum of CHF 1,000 cash per day, spend CHF 5,000 online and CHF 5,000 in shops. There is a maximum of CHF 10,000 per month.

Contactless payment: 10x or CHF 150 per day contactless possible.

How can I deposit money into my account?

With us, you receive a fully-fledged payroll account with your own IBAN. This means that you can enter your new account with us as a payroll account or transfer money to your IBAN.

How can I deposit cash into my account?

Possibility 1Buy a TWINT top-up in the form of a receipt at the post office, in Coop supermarkets, at Coop Bau+Hobby and at Coop City (food and non-food) and withdraw the credit to your account via the TWINT app.

This is how it works with the UBS TWINT appYou open the TWINT app and scan the QR code (manual entry also possible). The money will be credited to you within 2-3 working days. Please note the following: You must select the account as the crediting account. You can do this in the app under "Settings". If you are also a UBS client, the UBS account is always set as the default account and cannot be changed.

At TWINT Prepaid additionally click on the three dots at the top right of the main screen and select "Unload credit". Enter the desired amount and enter your IBAN - the amount will be credited to your account after 2-3 working days.

Possibility 2You create a QR deposit slip online (you must provide your IBAN and name), print out the payment slip and take it to a post office counter. Please note that the post office charges a fee for this.

What fees are charged with the Mastercard Debit ALEA?

Card Mastercard Debit ALEA

CHF 0.- one-time, thereafter CHF 0.- per month
This card is only available virtually and not physically.

Our fees for ATM withdrawals (only possible with NFC)
Domestic CHF: CHF 3.50
Domestic EUR: CHF 3.50 + 1% exchange rate fees
Abroad, regardless of currency: CHF 3.50 + 1% exchange rate fees

Lock card
Soft (independently via app): Free of charge

New login data for e-banking
CHF 10.-

Transaction prices
Shopping in Switzerland: Free of charge
Shopping abroad: Free of charge (0% transaction fees, 1% exchange rate fees).

24 hour service
+41 (0)800 813 913
Free

Service for other concerns such as PIN questions
+41 (0)800 813 713
Free

Service for special administrative expenses such as fraud cases
First 4 hours free of charge, thereafter CHF 25.- per 15 minutes

What fees are charged with the Mastercard Debit PASS?

Card Mastercard Debit PASS

CHF 99.- one-off, then CHF 9.90 per month

Our fees for ATM withdrawals
Domestic CHF: CHF 3.50
Domestic EUR: CHF 3.50 + 1% exchange rate fees
Abroad, regardless of currency: CHF 3.50 + 1% exchange rate fees

Lock card
Soft (independently via app): Free of charge
Hard (new card will be sent): CHF 25.- for expenditure + CHF 25.- for new card

New login data for e-banking
CHF 10.-

Transaction prices
Shopping in Switzerland: Free of charge
Shopping abroad: Free of charge (0% transaction fees, 1% exchange rate fees).

Card blocking 24-hour service
Card stolen or lost
+41 (0)800 813 913
Free

Service for other concerns such as PIN questions
+41 (0)800 813 713
Free

Service for special administrative expenses such as fraud cases
First 4 hours free of charge, thereafter CHF 25.- per 15 minutes

Interest rates on credit balances at Hypothekarbank Lenzburg?

We currently receive interest on the private account 0%. 

Mastercard Debit ALEA

Virtual map. Only available on the smartphone.

Advantages:
- No need to buy the card
- Optimal for beginners
- No loss of the card possible
- Salary account with Hypothekarbank Lenzburg
- Advantage world
- Cashback
- Card can be digitally locked/unlocked in the app

Mastercard Debit PASS

Physical map.

Advantages:
- Physical card that can be digitally locked, unlocked
- Salary account with Hypothekarbank Lenzburg
- Advantage world
- Cashback
- Card can be digitally locked/unlocked in the app

What can I expect at ALEA World?

ALEA World is characterised by its customer-centric agility. Once you pay in-store with our payment card, you will receive increased cashback, up to 20%. In addition, we have discounted vouchers that can be purchased via the app.
And it gets even better: if, for example, you are in a bar that you particularly like, then simply let us know and we will do our best to secure cashback for you in that bar in the future.

How do I use the ALEA World offers?

All you have to do is pay with your payment card. The cashback is usually paid out to your wallet within 5 to 10 days. The payment to your private account is made monthly.

What is it about the expert?

With us you get your personal expert.
He will support you in the areas of finance, insurance and telecommunications.
It may well be that our expert can revise your existing offer and provide a better quote. All you have to do is activate the expert via the button and he will contact you.

Is the Mastercard Debit secure?

The card has the highest security standards:
- digital onboarding verification code via SMS
- Mastercard ID check (3-D Secure when shopping online) via SMS
- Two-factor authentication for e-banking login

Two-factor authentication ensures a two-factor secure login procedure.
First factor: You log in to e-banking on the computer or mobile device.
Second factor: you confirm the identity with the FinSign app on your smartphone.

Is my money safe?

Yes! We work together with Hypothekarbank Lenzburg. The accounts are managed by Hypothekarbank Lenzburg. The Hypothekarbank "Hypi" Lenzburg is a listed Swiss universal bank that 1868 was founded as Hypothekar- und Leihkasse Lenzburg. At the end of 2021, it had 321 employees, adjusted for part-time working, with 44.6 per cent women.

Your deposits are secured up to CHF 100,000.

Are the system, the use and the database secure?

Yes! The system and the database are managed and monitored by a Swiss IT company. Please feel free to contact us for further information.

How can I be sure that my data is safe?

Your data is kept and monitored by a Swiss IT company. If you wish to view or delete your data, please feel free to contact us and we will help you with your requests.

Who can I contact on the subject of "security"?

Please feel free to send us an e-mail to info@brokerinvest.ch. We will process your message as quickly as possible - usually within 48 hours.

How does the ordering and delivery of the card work?

You can conveniently place your order via our app or website:
Step 1: Register.
Step 2: Click on the "Verify" button.
Step 3: Follow the onboarding instructions.
Step 4: You will then receive an SMS and email with your personal IBAN.
Step 5: Your card will be ordered as soon as you have transferred money to your new IBAN.
Step 6: Your card will be delivered to your home in an envelope.

Virtual card: Once step 5 has been completed, you can activate the virtual card in the app and add and use Smartphone Pay.

How does the first use of the card work?

The Pass card will be delivered to your home address by post after approx. 10 working days.

Activate Mastercard Debit Pass

1. click on the "My card" button in the app

2. click on the "Activate" button

IMPORTANT: After you have received your card by post, you must insert the card into the terminal and enter the PIN from the application the first time you use it.

Add to Apple Pay, Samsung Pay or Google Pay

Open the Apple Wallet, Samsung Wallet or Google Wallet app.

Follow the instructions in the respective applications.

3. copy the data from "My Card

4. IMPORTANT: You will not receive the code for activation via SMS, but it will be displayed in our app under Messages.

5. deposit the card as your main card in the respective wallet app.

6. have fun paying and generating cashback

How is the cashback calculated and how is it paid out?

Standard Cashback
CHF 20.- per recommendation. (Only with the Product Pass)

0.035% per transaction.

The cashback is paid (monthly) directly into your account.

Cashback +

Up to 20% when shopping at our restaurants and shops.

You can find all our partners at

ALEA World

How can I cancel?

Please send us an e-mail to info@alea-world.ch

About us

Alea is responsible for distributing and securing your payment cards.
The cards are issued by Hypothekarbank Lenzburg. Xallet AG provides the crypto wallet and enables trading in our application.

Who is behind alea-world.ch?

Currently, a team of ten takes care of the website and the map. This team is made up of young and curious, but also experienced and knowledgeable members.
We are still at the very beginning with alea-world.ch and always look forward to constructive feedback. You can contact us at any time at info@alea-world.ch write and tell us your concerns and ideas.

Who are the partners of alea-world.ch?

In order to be able to offer the product and the system in this form, several partners support us in the background. The cards are issued by Hypothekarbank Lenzburg. We offer the cryptocurrencies in cooperation with Xallet.
Our partnerships are constantly being expanded so that we can offer our customers the best possible service. In doing so, we always strive to ensure simple and lean processes.
That is why we are very pleased to hear from you!