01 · AT A GLANCE
Quintet's German private-banking branch with locally documented services
- German branch registered in Munich; the Merck Finck business dates to 1870
- Separate discretionary, advisory and execution-only investment services
- Premiumkonto pricing published with effect from 1 January 2026
- No current general entry minimum or continent-wide account-opening promise verified
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.
Private banking, Wealth management, Institutional
German
02 · ACCOUNTS AND PRODUCTS
Documented accounts and products.
Premiumkonto
Payment-account package with account maintenance and the payment services listed in the January 2026 disclosure. Debit-card issuance and counter cash services are listed as unavailable. The older 2023 relationship threshold is not treated as a verified current entry minimum.
- Segment
- Private banking
Finanzportfolioverwaltung
Portfolio management in which the bank makes investment decisions within agreed investment guidelines. A current public mandate minimum and currency list were not established.
- Segment
- Wealth management
Anlageberatung
Non-independent investment advice based on the client's circumstances. The bank's disclosure distinguishes advice from discretionary management and execution without advice.
- Segment
- Private banking
Beratungsfreies Geschäft
Securities orders placed on the client's own initiative without a personal investment recommendation from the bank.
- Segment
- Private banking
Wertpapierdepot
Safekeeping of domestic and foreign securities under the German branch's securities terms. Custody does not imply an investment guarantee.
- Segment
- Private banking
Portfolio- und Lombardkredit
Financing secured against an investment portfolio, subject to individually agreed lending terms.
- Segment
- Private banking
Immobilienfinanzierung
Financing for residential and commercial property, with terms discussed with the bank's lending specialists.
- Segment
- Private banking
Stiftungsberatung
Foundation planning, establishment support and investment management for legally independent foundations. A contribution to the separate Merck Finck Stiftung is not a bank-account minimum.
- Segment
- Institutional
Private Markets
Access to private-equity, private-debt, infrastructure and real-estate investment opportunities. Availability and investment terms require individual confirmation; these investments can be illiquid.
- Segment
- Private banking
Mastercard Kreditkarte
Mastercard credit-card issuance is included in the Premiumkonto disclosure. Cash withdrawals and foreign-currency use carry separate charges; no debit-card badge is asserted.
- Segment
- Private banking
03 · WHAT IT COSTS
Published pricing.
| Charge | Amount | When it applies |
|---|---|---|
| Premiumkonto monthly package feeAccount maintenance |
| AlwaysEntgeltinformation - Premiumkonto - 01.01.2026 |
| Premiumkonto Mastercard issuanceOther |
| Issuance within the Premiumkonto package; not a standalone card tariff..Entgeltinformation - Premiumkonto - 01.01.2026 |
| Mastercard foreign-currency paymentOther |
| Foreign-currency card payments; charged with the EUR-converted transaction amount..Entgeltinformation - Premiumkonto - 01.01.2026 |
| Mastercard ATM cash withdrawalCash withdrawal |
| General ATM withdrawal rate; the foreign-currency ATM rate is recorded separately. ATM-operator charges may also apply..Entgeltinformation - Premiumkonto - 01.01.2026 |
| Mastercard foreign-currency ATM withdrawalCash withdrawal |
| Foreign-currency withdrawals at other banks' ATMs; charged with the EUR-converted transaction amount. ATM-operator charges may also apply..Entgeltinformation - Premiumkonto - 01.01.2026 |
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 accountsNot disclosed
- Payment cards
- Mastercard credit cardcredit
- Foreign exchangeNot disclosed
creditLending
- Lombard lendingOffered
- Mortgages and property financeOffered
Planning
- Wealth and estate planningOffered
Structuring
- Trust and foundation servicesOffered
Digital
- Online bankingOffered
- Mobile appNot disclosed
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: 9 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.