offbnk
Latest articlesArticles
Bank directory

BANK PROFILE · Luxembourg

Lombard Odier Europe

Lombard Odier (Europe) S.A.

Lombard Odier (Europe) S.A. is the Lombard Odier group's European bank, a Luxembourg société anonyme at 291 route d'Arlon registered under B169907, licensed as a credit institution in 2012 and supervised by the CSSF. It is a sister company of Bank Lombard Odier & Co Ltd in Geneva rather than a branch of it, and operates branches in Belgium, France, Spain, Italy and the United Kingdom under its European passport. Its MiFID brochure describes three services: reception and transmission of orders without advice, non-independent investment advice and discretionary portfolio management, with orders passed to the Swiss bank for execution. Deposits are covered by the Luxembourg FGDL up to EUR 100,000 and investments by the SIIL up to EUR 20,000. The Luxembourg head office refers clients to a pricing brochure that is not published online; the French branch's tariff of October 2025 and the French and Belgian Fee Information Documents are published and are the figures shown here, scoped to those branches. The Fitch AA− rating the bank cites is held at group level, not by this entity.

Jurisdiction
Luxembourg
Regulator
CSSF
Founded
2012
Headquarters
Luxembourg

01 · AT A GLANCE

The group's Luxembourg-licensed European hub, with branch tariffs published for Paris and Brussels

  • Luxembourg credit institution under the CSSF; sister company of the Swiss bank, with five European branches
  • Reception and transmission of orders, non-independent advice and discretionary management under MiFID
  • FGDL deposit guarantee to EUR 100,000 and SIIL investor protection to EUR 20,000
  • Paris-branch tariff: discretionary management 1.20% to 0.43% a year by strategy and assets, custody 0.24%
  • Account maintenance and My LO free; manual transfers EUR 20, free online
  • Luxembourg office lists external asset managers, private equity and family-office services
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

Private banking, Wealth management

Service languages

Not disclosed

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

Cash accounts opened in the client's name in EUR and other currencies, treated with the securities account as a single indivisible current account. Credit balances earn no interest and may bear negative interest depending on market conditions. The French and Belgian branches publish account maintenance and My LO access as free.

Segment
Private banking
Currencies
EUR
Custody account

Securities account and custody

Custody of financial instruments, generally held in sub-custody with professional custodians in segregated omnibus accounts and returned to clients outside the bank's estate in an insolvency. The French branch prices custody at 0.24% a year under a mandate or advisory contract and 0.36% under execution-only.

Segment
Private banking
Discretionary mandate

Discretionary portfolio management

The bank manages the portfolio and makes investment decisions on a discretionary basis in line with a pre-agreed mandate and the client's risk profile. The French branch publishes management fees by strategy and asset band, from 1.20% a year for a 100% equities strategy below EUR 4 million to 0.432% for capital preservation above EUR 40 million.

Segment
Private banking
Discretionary mandate

CLIC Mandate

A multi-asset discretionary mandate, available in all strategies and currencies, that promotes environmental and social characteristics under Article 8 SFDR through thematic, impact and resilience pillars, with a minimum of 15% in sustainable investments.

Segment
Private banking
Advisory mandate

Investment advisory

Personalised, non-independent investment recommendations based on the client's risk profile, with a full suitability assessment and an investment advice report for each recommendation. The French branch prices two contracts, Active from 0.60% and Active Plus from 1.20% a year, each declining with assets.

Segment
Private banking
Execution only

Reception and transmission of orders

The bank receives client orders and transmits them for execution to Bank Lombard Odier & Co Ltd in Switzerland, its single execution venue; no investment advice is given. The French branch prices banded transaction fees with a minimum of EUR 180 per trade.

Segment
Private banking
Lombard loan

Lombard loan

Lombard credit against assets held with the bank, offered through the French branch with conditions, arrangement and guarantee fees quoted individually. The general terms provide for credit lines on the payment account.

Segment
Private banking
Other

Private equity

Lombard Odier private-equity investments, each with its own management, advisory and origination fee schedule set out in the instrument's description and collected by the bank on behalf of another group entity.

Segment
Private banking
Other

Insurance brokerage

Insurance distribution as a Luxembourg insurance intermediary registered with the Commissariat aux Assurances under 2014CM002, covering advice, quotes and the placement of insurance contracts under separate brokerage terms.

Segment
Private banking
Custody account

Services for external asset managers

External asset managers are listed among the services of the Luxembourg office, which the group's external-asset-manager team also names as one of its seven locations.

Other

Services for family offices

Family-office services are listed among the Luxembourg office's offering alongside wealth management, investment advice and private equity; no further detail is published.

Fund services

Fund administration and distribution

Administration and distribution of funds and access to traditional and alternative mutual funds, listed among the Luxembourg office's services.

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Discretionary management fee — 100% equities strategyPortfolio management
  • 1.2% p.a. (up to EUR 4,000,000)
  • 1.08% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.96% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.84% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.72% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 6,000 per quarter; custody of 0.24% a year is charged in addition, fixed banking fees and transaction fees are free.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Discretionary management fee — balanced strategyPortfolio management
  • 0.96% p.a. (up to EUR 4,000,000)
  • 0.864% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.768% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.672% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.576% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 4,800 per quarter; custody of 0.24% a year is charged in addition.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Discretionary management fee — moderate strategyPortfolio management
  • 0.84% p.a. (up to EUR 4,000,000)
  • 0.756% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.672% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.588% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.504% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 4,200 per quarter; custody of 0.24% a year is charged in addition.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Discretionary management fee — capital preservation strategyPortfolio management
  • 0.72% p.a. (up to EUR 4,000,000)
  • 0.648% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.576% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.504% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.432% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 3,600 per quarter; custody of 0.24% a year is charged in addition.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Advisory fee — Active contractAdvisory
  • 0.6% p.a. (up to EUR 4,000,000)
  • 0.54% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.48% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.42% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.36% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 3,000 per quarter; custody of 0.24% a year in addition, and a 30% discount on standard brokerage fees.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Advisory fee — Active Plus contractAdvisory
  • 1.2% p.a. (up to EUR 4,000,000)
  • 1.08% p.a. (EUR 4,000,000 – EUR 8,000,000)
  • 0.96% p.a. (EUR 8,000,000 – EUR 20,000,000)
  • 0.84% p.a. (EUR 20,000,000 – EUR 40,000,000)
  • 0.72% p.a. (above EUR 40,000,000)
French branch tariff, October 2025. Non-cumulative scale on total assets, minimum EUR 6,000 per quarter; custody of 0.24% a year in addition, and a flat EUR 180 per transaction.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Custody fee under a discretionary or advisory contractCustody
  • 0.24% p.a.
French branch tariff, October 2025. Charged on top of the management or advisory fee.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Custody fee under execution-only serviceCustody
  • 0.36% p.a.
French branch tariff, October 2025. Any portfolio size, minimum EUR 600 per quarter; fixed banking fees are free and transactions are charged separately.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transaction fee — equities and ETFs on main marketsTrading commission
  • 0.96%, min. EUR 180 (up to EUR 50,000) per transaction
  • 0.84%, min. EUR 180 (EUR 50,000 – EUR 100,000) per transaction
  • 0.78%, min. EUR 180 (EUR 100,000 – EUR 200,000) per transaction
  • 0.72%, min. EUR 180 (EUR 200,000 – EUR 300,000) per transaction
  • 0.66%, min. EUR 180 (EUR 300,000 – EUR 500,000) per transaction
  • 0.42%, min. EUR 180 (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.3%, min. EUR 180 (above EUR 1,000,000) per transaction
French branch tariff, October 2025. Non-cumulative scale on the transaction amount, minimum EUR 180 per transaction; stamp duties, taxes and third-party charges are levied separately.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transaction fee — equities on other marketsTrading commission
  • 1.92%, min. EUR 180 (up to EUR 50,000) per transaction
  • 1.8%, min. EUR 180 (EUR 50,000 – EUR 100,000) per transaction
  • 1.74%, min. EUR 180 (EUR 100,000 – EUR 200,000) per transaction
  • 1.56%, min. EUR 180 (EUR 200,000 – EUR 300,000) per transaction
  • 1.38%, min. EUR 180 (EUR 300,000 – EUR 500,000) per transaction
  • 1.14%, min. EUR 180 (EUR 500,000 – EUR 1,000,000) per transaction
  • 1.02%, min. EUR 180 (above EUR 1,000,000) per transaction
French branch tariff, October 2025. Non-cumulative scale on the transaction amount, minimum EUR 180 per transaction.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transaction fee — bondsTrading commission
  • 0.84%, min. EUR 180 (up to EUR 50,000) per transaction
  • 0.72%, min. EUR 180 (EUR 50,000 – EUR 100,000) per transaction
  • 0.6%, min. EUR 180 (EUR 100,000 – EUR 200,000) per transaction
  • 0.48%, min. EUR 180 (EUR 200,000 – EUR 300,000) per transaction
  • 0.36%, min. EUR 180 (EUR 300,000 – EUR 500,000) per transaction
  • 0.24%, min. EUR 180 (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.18%, min. EUR 180 (above EUR 1,000,000) per transaction
French branch tariff, October 2025. Non-cumulative scale on the transaction amount, minimum EUR 180 per transaction.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transaction fee — third-party fundsTrading commission
  • 1.2%, min. EUR 480 (up to EUR 50,000) per transaction
  • 1.08%, min. EUR 480 (EUR 50,000 – EUR 100,000) per transaction
  • 1.02%, min. EUR 480 (EUR 100,000 – EUR 200,000) per transaction
  • 0.84%, min. EUR 480 (EUR 200,000 – EUR 300,000) per transaction
  • 0.66%, min. EUR 480 (EUR 300,000 – EUR 500,000) per transaction
  • 0.42%, min. EUR 480 (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.3%, min. EUR 480 (above EUR 1,000,000) per transaction
French branch tariff, October 2025. Non-cumulative scale on the transaction amount, minimum EUR 480 per transaction; higher commissions may apply to closed or capacity-limited funds.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transaction fee — Lombard Odier fundsTrading commission
  • EUR 180 per transaction
French branch tariff, October 2025. Flat amount per transaction.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Foreign exchange spot and forwardForeign exchange
  • 1% (up to EUR 50,000) per transaction
  • 0.7% (EUR 50,000 – EUR 200,000) per transaction
  • 0.4% (EUR 200,000 – EUR 500,000) per transaction
  • 0.25% (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.1% (EUR 1,000,000 – EUR 10,000,000) per transaction
  • 0.05% (above EUR 10,000,000) per transaction
French branch tariff, October 2025. Non-cumulative scale on the transaction amount; currency swaps are 0.20% to EUR 100,000, 0.10% to EUR 10 million and 0.05% above.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Transfer instructed through a private bankerOutgoing payments
  • EUR 20 per transaction
Priced with an advisor. French and Belgian branch Fee Information Documents, 1 October 2025, and the French branch tariff. Applies to SEPA and foreign transfers sent or received on instruction; transfers made by the client through My LO are free, as are standing orders and direct debits.Fee Information Document - current account, France branch
Administrative fee on pro forma positionsOther
  • 0.18% p.a., min. EUR 300
French branch tariff, October 2025. Minimum EUR 300 per position per year.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Wealth planning fileOther
  • EUR 360, max. EUR 600 per item
French branch tariff, October 2025. From EUR 360 up to EUR 600 depending on the file.Tarifs bancaires de la Banque - Lombard Odier (Europe) S.A., succursale en France, October 2025
Closure of a securities account (maximum)Account closure
  • EUR 500
Belgian branch Fee Information Document, 1 October 2025, excluding VAT; the French branch document states closure as free.Fee Information Document - current account, Belgium branch

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 managementOffered
  • Investment advisoryOffered
  • Execution-only tradingOffered
  • Custody and safekeepingOffered
  • Private markets accessOffered

Banking

  • Multi-currency accountsOffered
  • Payment cardsNot disclosed
  • Foreign exchangeOffered

Lending

  • Lombard lendingOffered
  • Mortgages and property financeNot disclosed

Planning

  • Wealth and estate planningOffered

Structuring

  • Trust and foundation servicesNot disclosed

Digital

  • Online bankingOffered
  • Mobile appOffered

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: 16 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.

BANK DIRECTORY

Bank profiles and institutional filters.

All banks Start Bank Check