SwissLife banque privée

Swiss Life Banque Privée is the French private banking arm of the Swiss Life Group, operating as a credit institution in France and focused on wealth management for high-net-worth individuals, families, and entrepreneurs. It provides discretionary and advisory portfolio management, execution and custody of listed securities, access to third‑party funds and structured products, and coordinates wealth planning solutions alongside Swiss Life insurance entities for life insurance and capitalisation contracts. The bank is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR) for banking activities and by the Autorité des marchés financiers (AMF) for investment services; client cash is covered by the French deposit guarantee scheme (FGDR) up to €100,000 per depositor per institution, and the investor compensation scheme may cover up to €70,000 if financial instruments cannot be returned. Services typically include a dedicated relationship manager, periodic reporting, and an online portal, with MiFID II frameworks for client classification, suitability, cost disclosures, and provision of KIDs where applicable. Pricing comprises management fees for mandates, custody and brokerage fees, and possible retrocessions on third‑party products; terms are negotiated and set out in fee schedules, and performance fees may apply to certain funds. Lending, where offered, is generally collateralised by financial assets and subject to eligibility. Key risks include market, credit, liquidity, currency, and issuer risk on structured products, as well as potential conflicts of interest when distributing group products; life insurance wrappers carry their own counterparty and contractual risks. Onboarding is subject to KYC/AML and tax‑residency constraints, and certain client profiles (such as some non‑residents) may face restrictions typical of French private banks.