BANCA CREDINVEST SA

Banca Credinvest SA is a Swiss bank headquartered in Lugano and supervised by FINMA. It focuses on private banking and wealth management for private and institutional clients, offering discretionary portfolio management, investment advisory, custody and brokerage, execution across equities, fixed income, funds, foreign exchange, and structured products, as well as Lombard lending secured by liquid portfolios. Clients can hold multi-currency accounts and use online banking for payments and reporting. Deposits are covered by the Swiss deposit insurance scheme (esisuisse) up to CHF 100,000 per client; securities held in custody are segregated under Swiss law and remain the client’s property. The product architecture typically combines in-house and third-party solutions; access to products, counterparties, and credit lines depends on client categorization, risk profile, and documentation. Pricing follows standard Swiss private banking practices, with management and custody fees, transaction commissions, and interest margins on credit; terms are usually set individually. Onboarding entails full KYC/AML checks and verification of source of wealth and funds; cross-border account opening is subject to the bank’s internal policy and applicable regulations, and minimum relationship sizes may apply. Key risks for clients include market and currency risk in portfolios, counterparty and liquidity risk in structured instruments, and the limited scope of deposit insurance relative to total assets. The bank provides routine portfolio reporting and tax statements in commonly used formats and operates primarily from Ticino with a client base that includes high-net-worth individuals, family offices, and smaller institutions.