Banque Havilland S.A.

Banque Havilland S.A. is a Luxembourg-based private bank established in 2009 and authorized as a credit institution under the supervision of the Commission de Surveillance du Secteur Financier, with prudential oversight in the euro area framework. The bank’s business model centers on wealth management and private banking for high- and ultra-high-net-worth individuals, family offices, and select corporates, providing multi-currency accounts and payments, term deposits, securities custody and execution, discretionary and advisory portfolio management, foreign exchange and money-market services, structured products, and secured lending such as Lombard and real-estate financing. Operations are headquartered in Luxembourg with additional presence via subsidiaries or branches in certain international financial centers, serving cross-border clients subject to applicable licensing and regulatory requirements. Account opening is relationship-driven and contingent on full KYC/AML documentation; the bank is not positioned for mass-market retail and typically expects a significant minimum relationship size. Fees follow a private-banking tariff structure that can include account and custody charges, transaction commissions, advisory or mandate fees, lending margins, and FX spreads, with detailed pricing provided upon request. Eligible deposits are covered by Luxembourg’s deposit guarantee scheme up to EUR 100,000 per depositor per bank, and certain investment claims may fall under the investor compensation scheme up to EUR 20,000; standard exclusions and limits apply, and securities are subject to market risk. Clients have access to secure e-banking for account monitoring, payments, and trading where available, supported by dedicated relationship managers for execution and credit. Prospective clients should assess cross-border tax and reporting obligations, product suitability, currency exposure, and the total cost of services before establishing a relationship.