GRESHAM Banque

GRESHAM Banque is a France-based private banking and wealth management provider focused on affluent and high‑net‑worth clients, offering savings and investment solutions centered on life insurance and capitalisation contracts, discretionary portfolio management, advisory mandates, securities accounts with fund selection and structured products, and estate and tax‑oriented planning within the scope of French law. The model is relationship‑driven, with dedicated advisers, appointment‑based meetings, and a digital client portal for account monitoring; onboarding is not instant and typically requires documentation review and suitability profiling, and asset minimums apply. Pricing follows private‑bank conventions: layered fees on life insurance contracts (contract, underlying funds, and any optional mandate), custody and brokerage on securities, and placement or structuring costs where relevant; public fee grids are not exhaustive, so total cost depends on product mix and negotiated terms. The offering prioritizes capital‑building and wealth structuring rather than day‑to‑day banking, and does not target mass‑market current accounts or payment cards. Risk characteristics vary by wrapper and instrument: market and issuer risk apply to unit‑linked funds and structured products; euro‑denominated life insurance funds are backed by the insurer but yields fluctuate and are not guaranteed; liquidity constraints, early‑exit adjustments, and tax treatment should be reviewed before subscription. The institution operates under French regulatory oversight; client protections follow the applicable French schemes depending on product type (deposit guarantee, investor compensation, or life insurance policyholder protection), with coverage limits defined by law and by the custodian or insurer involved. Service is primarily in French, with standard business‑hours availability by phone, email, and in‑person appointment. Overall, the positioning suits clients seeking advisor‑led wealth management with French life‑insurance architecture and curated investment selection, provided minimums, fees, and product risks align with objectives and time horizon.