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.
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.
Built into every account
Four things you should never have to ask for.
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.