Merck Finck, a Quintet Private Bank (Europe) S.A. branch

Merck Finck operates in Germany as a branch of Quintet Private Bank (Europe) S.A., a Luxembourg credit institution, and focuses on private banking and wealth management rather than mass‑market retail. Accounts and custody are typically booked with the Luxembourg parent, making Luxembourg law and protection schemes applicable; eligible deposits are covered by the Luxembourg deposit guarantee (FGDL) up to EUR 100,000 per depositor, and certain investment claims may fall under the investor compensation scheme (generally 90% of the loss up to EUR 20,000). The German branch is subject to host‑country conduct oversight by BaFin and the Bundesbank, while prudential supervision is led in Luxembourg by the CSSF within the EU’s Single Supervisory Mechanism. Services include discretionary portfolio management, investment advisory under MiFID II, open‑architecture fund and securities selection alongside proprietary Quintet funds, Lombard lending and other collateralized financing, and wealth planning coordination for families, entrepreneurs, and foundations; legal and tax advice is typically provided by external partners. Client entry thresholds are oriented to high‑net‑worth and institutional segments, and pricing is asset‑based with custody, transaction, and product‑level costs; inducements may be received where permitted and disclosed. Distribution relies on relationship managers and investment specialists across selected German cities, with e‑banking and reporting tools available; most transactions are routed through advisors rather than a self‑directed trading platform. Quintet is privately held and publishes annual and Pillar 3 regulatory disclosures; there is no widely used public credit rating for the group. Considerations for prospective clients include cross‑border booking to Luxembourg, the use of proprietary products alongside third‑party instruments, minimum asset requirements, and the standard documentation for AML/KYC and source‑of‑wealth verification.