Banque cantonale neuchâteloise

Banque Cantonale Neuchâteloise (BCN) is the cantonal bank of the canton of Neuchâtel, a public-law institution owned by the canton and operating under Swiss banking law with prudential supervision by FINMA; eligible deposits are covered by the Swiss deposit insurance scheme (esisuisse) up to CHF 100,000 per client. The bank focuses on retail and SME banking in its home region, offering current and savings accounts, domestic and international payments, debit and credit cards, mortgages (including fixed-rate and SARON-linked), and loans to businesses, alongside investment advisory, discretionary mandates, custody, and fund products for private and institutional clients. Distribution combines a regional branch and ATM network with e-banking and a mobile app that use two-factor authentication; service availability and onboarding are geared to Swiss-resident individuals and locally based companies, and non-resident or cross-border services are more restricted. Pricing follows standard Swiss models, with package fees for everyday banking, charges for cards and foreign transfers, and custody and product fees for investment services, published in fee schedules; foreign exchange spreads and international payment costs reflect universal-bank pricing rather than low-cost fintech levels. The balance sheet is mortgage-centric and funded largely by customer deposits and covered wholesale instruments, broadly in line with other cantonal peers. BCN publishes audited annual reports and sustainability disclosures and primarily serves clients in French given its location.