Private clients
Everyday banking that behaves itself.
Accounts, cards and lending for people whose financial lives are not complicated by choice. The unremarkable parts done properly, and the complicated parts handled by someone who knows your file.
Accounts
Three things, each doing one job.
Current Account
Your everyday account. Agreed overdraft, no monthly fee, and payments that carry a reference both sides can quote.
- Agreed overdraft, arranged in advance
- IBAN and BIC for inbound payments
- Statements that reconcile to the cent
Reserve Account
Interest-bearing, instant access, and attached to whatever you are saving towards so progress is visible rather than notional.
- Interest paid monthly
- Savings goals with real balances
- Move funds between accounts in seconds
Lending
Mortgages, personal facilities and lombard lending against a portfolio we already hold and can therefore value properly.
- Written terms before anything is drawn
- Repayment schedule visible in your dashboard
- No early-repayment penalty
Cards
Control that does not require a phone call.
Freeze in one tap
Stops every new authorisation immediately. Nothing is cancelled until you ask.
Limits you set
A monthly ceiling per card, changed by you at any hour without telephoning anyone.
Switches, not requests
Contactless, online payments and cash withdrawals are toggles you control.
Details on demand
Reveal the number, CVV and PIN when you need them. Each reveal is recorded.
Payments
Money out, with a name on it.
Payments to a saved payee or between your own accounts are submitted from the dashboard and released by your banker. You see the request marked pending until it is approved, and the money stays in your account until it actually leaves.
It is a slower design than a bank that sends instantly, and that is the point: the overwhelming majority of losses to fraud are payments the customer authorised themselves, under pressure, to an account they had never used before. A person looking at the request is the control that actually works.
- Reviewed
- Every outbound payment is seen by a person.
- International
- IBAN and SWIFT payments to most jurisdictions.
- Traceable
- A reference both sides can quote.
Open an account
We review every application by hand and reply within two working days. Or telephone +370 5 210 4400 and speak to someone now.