Urner Kantonalbank

Urner Kantonalbank is the cantonal bank of the Canton of Uri, headquartered in Altdorf, operating as a public-law institution under cantonal law with an explicit state guarantee of its liabilities and supervision by FINMA and the Swiss National Bank. Its business model centers on retail and SME banking in the regional market, offering private and business accounts, savings products, payments, cards issued in cooperation with third-party providers, and mortgages including fixed-rate and SARON-linked options, alongside financing solutions for local companies. The bank provides e-banking and a mobile app with two-factor authentication, QR-bill and eBill support, and compatibility with common Swiss payment services such as TWINT; day-to-day services are primarily in German. Investment and pension solutions include custody and trading services, discretionary or advisory mandates via in-house or partner offerings, and Swiss retirement products such as pillar 3a and vested benefits accounts. Foreign currency services, SEPA and international transfers, and basic cash management are available, while cross-border onboarding is restricted; account opening is generally geared to residents and businesses in Uri, with enhanced requirements for non-residents in line with Swiss AML/KYC rules and tax compliance. The branch and ATM network is regional, and standard Swiss practices apply to fees for accounts, cards, withdrawals outside the bank’s network, and international payments; current tariffs and interest rates are published by the bank and may change. Customer deposits are covered by the esisuisse deposit insurance scheme up to CHF 100,000 per client per bank, in addition to the separate cantonal guarantee framework. The institution publishes annual financial statements and risk disclosures under Swiss accounting and capital rules, and does not maintain an international footprint beyond its core market.