Payments and transfers
Same-day domestic clearing, SEPA in euros, SWIFT for everything else. Beneficiaries are saved with a reference so the second payment takes two clicks.
Wealth, set in stone.
Gold Stone
Private client account
5412 •••• •••• 0047
Holder
Account holderValid thru
09 / 31€ 75,000
Deposit protection per client
Market watch
GOLD 2,388.40 ▲ 0.62%
EUR/USD 1.0847 ▲ 0.11%
GBP/USD 1.2712 ▼ 0.08%
US 10Y 4.182 ▲ 0.03%
SILVER 28.94 ▲ 0.41%
GOLD 2,388.40 ▲ 0.62%
EUR/USD 1.0847 ▲ 0.11%
GBP/USD 1.2712 ▼ 0.08%
US 10Y 4.182 ▲ 0.03%
SILVER 28.94 ▲ 0.41%
Wealth, set in stone.
Gold Stone
Private client account
5412 •••• •••• 0047
Holder
Account holderValid thru
09 / 31€ 75,000
Deposit protection per client
Market watch
GOLD 2,388.40 ▲ 0.62%
EUR/USD 1.0847 ▲ 0.11%
GBP/USD 1.2712 ▼ 0.08%
US 10Y 4.182 ▲ 0.03%
SILVER 28.94 ▲ 0.41%
GOLD 2,388.40 ▲ 0.62%
EUR/USD 1.0847 ▲ 0.11%
GBP/USD 1.2712 ▼ 0.08%
US 10Y 4.182 ▲ 0.03%
SILVER 28.94 ▲ 0.41%
24/7
Advisors on the desk
About the bank
A private-banking standard, opened to everyone.
We take deposits, keep them safe, and lend them out conservatively. That is the whole business. Everything else — the app, the cards, the statements — exists to make that one job easier to live with. We are not a trading house and we do not sell products you did not ask for. A current account here is a current account: your money, available, earning a fair rate, with a named person who answers when you call.
Client deposits sit in segregated accounts at three clearing banks. They are not lent against our own book, not pledged as collateral, and not pooled with operating capital. A quarterly custody statement is available to every account holder on request. Lending is written against funded deposits at a loan-to-deposit ratio we publish internally and keep under 70%. When the ratio approaches the line, we slow lending rather than chase volume.
No teaser rates that reset after ninety days. No exit fees buried in schedule four. No call-centre scripts, no upselling at the counter, no data sold to brokers. If a product cannot be explained in a single page of plain language, we do not offer it. That has cost us growth in every year since 1990 and it is the reason our clients stay an average of eleven years.
Everyday banking
The unglamorous machinery, done properly.
Deposits and savings
Fixed terms, notice accounts and monthly pension plans. Rates are published daily and fixed for the term you choose at the moment you fund it.
Cards and spending
Physical and virtual cards with per-merchant limits, instant freeze, and a transaction feed that shows the merchant name rather than a payment processor code.
Why clients stay
Not the rate. The room.
01
One named advisor
You get a direct line and a name, not a queue. The same person handles your transfers, your deposit renewals and the awkward questions at year end. If they are on leave, their cover has read your file.
02
Pricing you can read
One page per product. The rate, the term, the exit terms, and the total you will have paid by the end. No asterisks, no promotional period, no fee that appears after the first year.
Built into every account
Four things you should never have to ask for.
Transfers that land the same day
SEPA, SWIFT and domestic rails from one screen. Cut-off is 16:30 CET; anything before it clears today, and you see the confirmation in the same place you sent it.
Deposits and pension schemes
Fixed terms from three months to five years, and monthly pension plans with a rate fixed at the start. No early-exit penalty on the fixed terms — you keep the interest you have already earned.
Lending against your balance
Borrow against funds you already hold with us at a lower rate than an unsecured facility. Approval is a same-day decision because the collateral is already on our books.
Cards issued in minutes
Physical cards posted in three working days. Virtual cards issued instantly, one per merchant if you like, each with its own limit and a switch you can throw from the app.
Opening an account
Four steps, one afternoon.
Apply online
Name, address, date of birth and a photo of your ID. Four minutes if your documents are to hand.
Verify identity
We check your document against the register and send a one-time code to your phone. Usually under ten minutes.
Fund the account
Transfer from an existing bank or pay in at any branch. The account is live the moment the funds land.
Start operating
Cards, transfers, deposits and statements are open immediately. Your advisor introduces themselves the same day.
Deposit pension scheme
A monthly habit that compounds quietly.
Pension savings
Pension One-Year
3.4%
interest rate
- Per installmentCHF 250.00
- Interval30 days
- Installments12
- Total depositCHF 3,000.00
- Maturity valueCHF 3,096.00
Pension savings
Pension Three-Year
4.6%
interest rate
- Per installmentCHF 250.00
- Interval30 days
- Installments36
- Total depositCHF 9,000.00
- Maturity valueCHF 9,450.00
Pension savings
Pension Five-Year
5.2%
interest rate
- Per installmentCHF 500.00
- Interval30 days
- Installments60
- Total depositCHF 30,000.00
- Maturity valueCHF 19,760.00
Fixed deposit receipts
Lock a rate. Leave it alone. Collect at maturity.
Fixed deposit
Three Month Term
3.2%
profit rate
- Lock-in period90 days
- Profit paid every90 days
- Minimum openingCHF 1,000.00
- MaximumCHF 250,000.00
Fixed deposit
Twelve Month Term
4.15%
profit rate
- Lock-in period1 year
- Profit paid every1 year
- Minimum openingCHF 2,500.00
- MaximumCHF 500,000.00
Fixed deposit
Five Year Term
5.05%
profit rate
- Lock-in period5 years
- Profit paid every5 years
- Minimum openingCHF 10,000.00
- MaximumCHF 1,000,000.00
Lending
Credit priced against your own balance.
Lending
Personal Advance
0.85%
per installment
- MinimumCHF 1,000.00
- MaximumCHF 50,000.00
- Interval30 days
- Installments12
Lending
Deposit-Backed
1.15%
per installment
- MinimumCHF 2,500.00
- MaximumCHF 250,000.00
- Interval30 days
- Installments24
Lending
Business Facility
1.45%
per installment
- MinimumCHF 10,000.00
- MaximumCHF 750,000.00
- Interval30 days
- Installments36
In their words
Clients who have been with us a decade or more.
“I moved my business account here in 2013 after my old bank closed the branch and replaced the manager with a phone menu. Eleven years later I still call the same number and the same person picks up.”
Margarethe Lindqvist
Restaurant owner, Malmö
“The lending desk read my cash flow before they quoted a rate. First facility I have ever taken where the repayment schedule matched how the work actually gets paid.”
Daniel Okonkwo
Structural engineer, Manchester
“What I notice is what is missing. No upselling, no product I did not ask for, no fee that appeared in year two. The statement is one page and it is correct.”
Sofia Marchetti
Archivist, Bologna
Questions we get asked
Before you open an account.
If your question is not here, write to the desk. A person reads it and replies from a named address, usually within four working hours.
Ask us directlyA government-issued photo ID, proof of address dated within three months, and a phone number we can send a one-time code to. Residents of the fourteen markets we clear in can apply online; everyone else can apply at a branch.
The current account has no monthly fee and no minimum balance. Transfers within the eurozone are free. International SWIFT transfers carry a flat €18 plus the correspondent bank charge, which we show you before you confirm.
Domestic and SEPA transfers sent before 16:30 CET land the same working day. SWIFT depends on the corridor: two working days to the UK and US, up to four for Asia-Pacific. You can follow each leg in the transaction feed.
Yes. You keep the interest accrued up to the day you close it and there is no penalty. The only condition is that the remaining term is forfeited, which is arithmetic rather than a fee.
Deposits are covered to €75,000 per client under the deposit guarantee scheme of the jurisdiction holding the account. Joint accounts are covered per holder. Balances above the limit can be held in a segregated custody arrangement on request.
Apply from the lending screen and select the deposit you want to pledge. Because the collateral is already on our books, the decision is usually same-day and the rate is typically two points below an unsecured facility.
Clearing and custody partners
Helvetic Clearing
Meridian Settlement
Rhine Custody
Canton Depository
Northgate Trust
Alpine Markets
Lake Geneva Securities
4.8 B
Assets under administration
186 K
Clients across 14 markets
11 yrs
Average relationship
240 +
Advisors on the desk