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BANK PROFILE · Liechtenstein

Bank Frick

Bank Frick AG

Bank Frick AG is a family-owned, FMA-supervised bank headquartered in Balzers. It specialises in modular banking for financial intermediaries, companies and other professional clients, with conventional accounts, custody, payments, execution-only securities trading, lending, fund and capital-market services, and regulated crypto-asset custody and execution. Its current standard fee schedule, still linked by the bank and valid from 1 September 2024, publishes relationship, payment, card, custody, trading, digital-asset and money-market charges. Bank Frick states expressly that it does not itself provide investment advisory or portfolio-management services; those relationships are handled by external professionals.

Jurisdiction
Liechtenstein
Regulator
FMA Liechtenstein
Founded
1998
Headquarters
Balzers

01 · AT A GLANCE

Family-owned Liechtenstein transaction bank for financial intermediaries and professional clients

  • Family-owned Liechtenstein bank established in 1998
  • Dedicated banking framework for external asset managers and other financial intermediaries
  • Execution-only trading without in-house investment advice or portfolio management
  • MiCAR-authorised crypto-asset custody, order execution and transfer services
  • Liechtenstein deposit protection up to CHF 100,000 per depositor
Minimum deposit

Not documentedThe bank documents reviewed here state no minimum for opening an account. That does not mean there is none; the bank may state one on request.

Client segments

Corporate, Institutional

Service languages

German, English

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

Current account for established companies and professional relationships. The corporate bundle expressly lists CHF, EUR, USD and GBP, while noting that further currencies may be available.

Segment
Corporate
Currencies
CHF · EUR · GBP · USD
Custody account

Custody account

Account and custody-account administration for intermediaries and professional clients, with securities and other eligible assets held and administered under the bank's custody conditions.

Segment
Institutional
Execution only

Execution-only trading

Non-advisory execution for eligible non-complex financial instruments. Bank Frick states that it does not itself provide investment advice or portfolio management.

Segment
Institutional
Other

Crypto-asset custody and execution

MiCAR-authorised safekeeping and administration of crypto assets, execution of client orders and crypto-asset transfer services. No general entry threshold is published in the cited authorisation.

Segment
Institutional
Other

Crypto staking

Staking for supported proof-of-stake crypto assets, alongside the bank's regulated crypto custody and trading services.

Segment
Institutional
Fund services

Fund solutions

Modular private-label fund services, including custody and paying-agent functions for Liechtenstein UCITS and AIF structures and eligible structures from other domiciles.

Segment
Institutional
Other

Capital market solutions

Structuring and servicing of debt instruments such as bonds, actively managed certificates, trackers and other structured notes for promoters, asset managers and issuers.

Segment
Institutional
Lombard loan

Lombard loan

Lombard lending is included in the bank's financing range for intermediary and professional-client relationships; no general published entry amount is stated.

Segment
Corporate
Mortgage

Property financing

Property financing within the bank's lending range for financial intermediaries and professional clients; terms and eligibility are not quantified on the cited page.

Segment
Corporate
Payment card

Mastercard Debit

Account-linked Mastercard Debit for cash withdrawals and payments in Liechtenstein, Switzerland and other countries, subject to agreement and the bank's card conditions.

Segment
Corporate
Other

Precious-metal account

Account-based holding and trading of precious metals under the standard tariff, distinct from the bank's separately priced physical precious-metal custody.

Segment
Institutional
Savings account

Nostro call deposit

Call deposit with a published minimum of CHF 50,000 or equivalent. The schedule does not enumerate a closed currency list.

Entry from
CHF 50,000
Segment
Institutional
Currencies
CHF
Fixed deposit

Nostro time deposit

Time deposit with a published minimum of CHF 50,000 or equivalent. Interest is quoted on request according to market conditions.

Entry from
CHF 50,000
Segment
Institutional
Currencies
CHF
Savings account

Fiduciary call deposit

Fiduciary call deposit with a published minimum of CHF 200,000 or equivalent and a volume-based commission.

Entry from
CHF 200,000
Segment
Institutional
Currencies
CHF
Fixed deposit

Fiduciary time deposit

Fiduciary time deposit with a published minimum of CHF 200,000 or equivalent and a volume-based commission.

Entry from
CHF 200,000
Segment
Institutional
Currencies
CHF
Other

Safe-deposit box

Five published safe-deposit-box sizes with annual standard prices from CHF 120 to CHF 1,000; availability is not stated in the tariff.

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Account maintenance per client relationshipAccount maintenance
  • CHF 50 per quarter
Charged across the whole banking relationship, not per service.Standard fee schedule
Additional annual minimum for legal entitiesAccount maintenance
  • CHF 500 per year
Charged across the whole banking relationship, not per service. The tariff describes this as an additional minimum fee for legal entities, not as a separate charge for natural persons.Standard fee schedule
Precious-metal account maintenanceAccount maintenance
  • 0.75% p.a., min. CHF 200
AlwaysStandard fee schedule
Retained mailStatements and documents
  • CHF 250 per year
AlwaysStandard fee schedule
Account closing per client relationshipAccount closure
  • CHF 250
Charged across the whole banking relationship, not per service.Standard fee schedule
Payment orderOutgoing payments
  • CHF 5 (up to CHF 5,000) per transaction
  • CHF 10 (above CHF 5,001) per transaction
Banded on the payment amount in CHF or equivalent.Standard fee schedule
Payment order in USDOutgoing payments
  • 0.2%, min. CHF 100 per transaction
AlwaysStandard fee schedule
Express-payment supplementOutgoing payments
  • 0.1%, min. CHF 50 per transaction
Charged in addition to the normal payment fee.Standard fee schedule
Non-SEPA OUR foreign-fee supplementOutgoing payments
  • CHF 40 per transaction
Charged in addition to Bank Frick's normal payment fee.Standard fee schedule
Manual payment-entry supplementOutgoing payments
  • CHF 40 per transaction
Priced with an advisor. Applies to a payment entered by mail, telephone, email or at the counter instead of online banking.Standard fee schedule
Debit Mastercard or Maestro main cardCard fee
  • CHF 50 per year
AlwaysStandard fee schedule
Custody feeCustody
  • 0.3% p.a., min. CHF 200
Charged quarterly on the average custody-account value; third-party expenses are passed on separately.Standard fee schedule
Crypto-asset custodyCustody
  • 0.4% p.a., min. CHF 200
Charged quarterly on the average custody-account value.Standard fee schedule
Securities delivery — per positionTrading commission
  • CHF 250 per item
AlwaysStandard fee schedule
Securities commission — fixed income and money marketTrading commission
  • 0.7%, min. CHF 100 per transaction
AlwaysStandard fee schedule
Securities commission — shares, funds and structured productsTrading commission
  • 1%, min. CHF 100 per transaction
Bank Frick investment funds are free of this commission; Bank Frick structured products use the published 1% rate.Standard fee schedule
Manual securities-order supplementTrading commission
  • CHF 40 per transaction
Priced with an advisor. Does not apply to transactions unavailable through online banking or to transactions commissioned by an external asset manager.Standard fee schedule
Crypto-asset delivery — per positionTrading commission
  • CHF 250 per item
AlwaysStandard fee schedule
Fiat-to-crypto or crypto-to-fiat exchangeTrading commission
  • 1%, min. CHF 250 per transaction
Third-party expenses are passed on separately.Standard fee schedule
Fiduciary time-deposit commissionTrading commission
  • 0.5%, min. CHF 200 (up to CHF 500,000) per transaction
  • 0.375%, min. CHF 200 (CHF 500,000 – CHF 1,000,000) per transaction
  • 0.25%, min. CHF 200 (CHF 1,000,000 – CHF 10,000,000) per transaction
  • 0.125%, min. CHF 200 (above CHF 10,000,000) per transaction
Banded on the capital investment in CHF or equivalent, with a CHF 200 minimum commission per investment or interest payment.Standard fee schedule
Fiduciary call-deposit commissionTrading commission
  • 0.5%, min. CHF 200 (up to CHF 2,000,000) per transaction
  • 0.375%, min. CHF 200 (CHF 2,000,000 – CHF 10,000,000) per transaction
  • 0.25%, min. CHF 200 (above CHF 10,000,000) per transaction
Banded on the capital investment in CHF or equivalent, with a CHF 200 minimum commission and a CHF 75 mutation fee per capital change.Standard fee schedule
Staking fee — share of rewardsOther
  • 15% per transaction
The fiat countervalue is debited from the account monthly.Standard fee schedule
Safe-deposit box — Type 1Other
  • CHF 120 per year
The five published annual prices are CHF 120, 200, 400, 600 and 1,000; key safekeeping costs CHF 100 per year.Standard fee schedule

Figures are shown in the currency the bank publishes them in and are not converted. This is not a complete tariff — always read the full source document.

04 · SERVICES

What the bank offers.

“Not disclosed” means the bank does not state this publicly — it is not a statement that the service is unavailable.

Investment

  • Discretionary portfolio managementNot offered
  • Investment advisoryNot offered
  • Execution-only tradingOffered
  • Custody and safekeepingOffered
  • Private markets accessNot disclosed

Banking

  • Multi-currency accountsOffered
  • Payment cards
    • Mastercard debit card
    Offered
  • Foreign exchangeOffered

Lending

  • Lombard lendingOffered
  • Mortgages and property financeOffered

Planning

  • Wealth and estate planningNot disclosed

Structuring

  • Trust and foundation servicesNot disclosed

Digital

  • Online bankingOffered
  • Mobile app
    • Android
    Offered

Card network and platform names are trademarks of their owners. They are shown to record what the bank publishes about its own products, and do not indicate any partnership, endorsement, or affiliation.

05 · SOURCES

Where these figures come from.

Only documents published or supplied by the bank are used. Nothing here is taken from brokers or comparison sites.

Next scheduled review: 6 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.

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