Private Client Bank AG

Private Client Bank AG is a Switzerland-based private bank focused on wealth management and custody for private clients, family offices, and selected professional investors. It operates under Swiss banking law, is supervised by FINMA, and is a member of the esisuisse deposit insurance scheme; eligible Swiss-franc deposits are insured up to CHF 100,000 per client, while securities held in custody are segregated from the bank’s balance sheet under Swiss law. The service set typically includes discretionary and advisory portfolio management, execution-only brokerage, multicurrency accounts, and secured lending such as Lombard loans; retail functionality like payment cards or a broad branch network is limited. Product access commonly follows an open-architecture model covering funds, ETFs, equities, fixed income, and structured products from third parties, with suitability and appropriateness governed by the Swiss Financial Services Act (FinSA) and cross-border availability dependent on client domicile and local rules. Fees generally combine management or advisory charges with custody and account fees plus transaction commissions; minimum account sizes apply, pricing is often negotiated, and handling of inducements or retrocessions is addressed in Swiss regulation and client agreements. Onboarding requires standard KYC/AML procedures, source-of-wealth evidence, and tax self-certifications under CRS/FATCA; acceptance of U.S. persons and residents of certain jurisdictions may be restricted. Digital access usually provides e-banking and reporting with order placement, secured by multi-factor authentication, and emphasizes portfolio administration rather than retail payments. Prospective clients should review mandate terms, fee schedules, best execution and conflicts of interest policies, and understand market, credit, and currency risks, especially where leverage is used; they should also distinguish between deposit insurance coverage and the separate treatment of custody assets. Service scope, pricing, and eligibility can change, so current documentation and confirmation of cross-border permissioning are necessary before account opening.