Obwaldner Kantonalbank

Obwaldner Kantonalbank (OKB) is the cantonal bank of the Canton of Obwalden, headquartered in Sarnen, operating as a public-law institution owned by the canton with a regional mandate. It focuses on retail and SME banking through a local branch and ATM network, offering current and savings accounts, payments, cards, mortgages and real estate financing, SME loans, investment advisory and discretionary mandates, and pillar 3a retirement solutions; selected insurance products are distributed via partners. E-banking and mobile banking are available for account management, payments, and transfers with multi-factor authentication, and the bank supports common Swiss and European payment rails (e.g., SIC and SEPA) and mobile solutions such as TWINT where applicable. Foreign currency accounts and standard cross-border payments are supported, while cross-border services and onboarding of non-resident clients are limited and subject to Swiss regulations. OKB is supervised by FINMA and the Swiss National Bank and is subject to Swiss/Basel III capital and liquidity requirements. Privileged deposits up to CHF 100,000 per client are protected under the Swiss depositor protection scheme (esisuisse), with an explicit cantonal guarantee for the bank’s liabilities applying as defined by cantonal law. Pricing for accounts, cards, and financing is published by the bank and varies by product and client profile, and services are primarily offered in German.