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BANK PROFILE · Luxembourg

Mirabaud Europe

Mirabaud & Cie (Europe) S.A.

Mirabaud & Cie (Europe) S.A. is the Mirabaud Group's European bank, a Luxembourg société anonyme at 6B, rue du Fort Niedergrünewald registered under RCS B181645, authorised as a credit institution and supervised by the CSSF, carried in the CSSF register as a bank since 1 January 2014 and, according to its own best-execution policy, a subsidiary of Mirabaud & Cie SA in Geneva, with branches in France, Spain and the United Kingdom. Its Pillar 3 report describes a business focused exclusively on private banking - discretionary portfolio management, investment advisory, custody and execution services and Lombard lending for a predominantly European base of high and ultra-high net worth clients - with no trading book and a CET1 ratio of 20.34% at 31 December 2025. The January 2023 fee schedules price administration at 0.45% to 0.35% a year (minimum EUR 1,000 per semester), discretionary management at 0.85% to 0.45%, advisory mandates above EUR 1 million at 0.70% to 0.50%, all-inclusive minimums of EUR 2,500 to 6,000 per semester and securities commissions from 1.50% for equities and 0.90% for bonds; the Fee Information Document of 1 July 2024 for the current account lists CHF, EUR and USD accounts, free online banking and a credit card, and states that no debit card is offered. Orders are transmitted to Mirabaud & Cie SA for execution. The general terms name the CSSF as supervisor and membership of the FGDL, which protects deposits up to EUR 100,000, and of the SIIL investor-compensation scheme up to EUR 20,000. No public credit rating is assigned to the bank itself.

Jurisdiction
Luxembourg
Regulator
CSSF
Founded
2014
Headquarters
Luxembourg

01 · AT A GLANCE

The Mirabaud Group's Luxembourg-licensed European bank, with a published tariff and branches in Paris, Madrid and London

  • Luxembourg credit institution under the CSSF, RCS B181645; subsidiary of Mirabaud & Cie SA with branches in France, Spain and the United Kingdom
  • Private banking only: discretionary management, advisory, custody and execution, Lombard lending; CET1 ratio 20.34% at end-2025
  • Administration fee 0.45% to 0.35% a year, minimum EUR 1,000 per semester; discretionary management 0.85% to 0.45%
  • Advisory mandates for portfolios above EUR 1 million at 0.70% to 0.50%; all-inclusive minimums EUR 2,500 to 6,000 per semester
  • Equities commission 1.50% to 0.30% and bonds 0.90% to 0.10% by band, minimum EUR 100; orders executed through Mirabaud & Cie SA
  • Current account in CHF, EUR and USD with free e-banking and a credit card, no debit card; FGDL guarantee to EUR 100,000 and SIIL to EUR 20,000
Minimum deposit

From EUR 1,000,000The lowest documented entry amount among the bank's account and mandate products: Advisory mandate. Other products may require more.

Client segments

Private banking, Wealth management, Ultra high net worth, Institutional

Service languages

English, French

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

Payment account held in CHF, EUR or USD, with account statements through e-banking, free online banking, national and international transfers and standing orders included in the account-keeping fee, cash in CHF, EUR and USD from an account in that currency included, other currencies at 0.50% to withdraw and 0.25% to deposit, and correspondence by post at EUR 1,000 a year; an overdraft bears the interbank rate plus a margin. The fee schedule states that current accounts are not remunerated and that negative rates may be charged.

Segment
Private banking
Currencies
CHF · EUR · USD
Fixed deposit

Term and fiduciary deposits

Term deposit accounts in euros or foreign currencies on terms confirmed when the deposit is opened, and fiduciary deposits made by the bank in its own name but at the client's risk under a fiduciary mandate, on which the bank charges a commission of at most 1% depending on money-market conditions.

Segment
Private banking
Currencies
EUR
Custody account

Custody and administration

Safekeeping and portfolio administration covered by the administration fee of 0.45% to 0.35% a year on total portfolio value, minimum EUR 1,000 per semester, halved for clients who grant a management mandate; delivery of securities to an external custodian costs EUR 100 per line (hedge funds EUR 250 or 350).

Segment
Private banking
Discretionary mandate

Discretionary management mandate

Management of the portfolio entrusted to the bank under a suitability assessment of the client's knowledge, financial situation, objectives and sustainability preferences, priced at 0.85% to 0.45% a year by bracket on the monthly weighted average portfolio value, minimum EUR 2,500 per semester, with a 50% discount on the administration fee.

Segment
Wealth management
Advisory mandate

Advisory mandate

Investment advice on financial instruments recommended and followed up by the bank in line with the client's defined strategy, for clients who manage their own portfolio with the bank's proactive advice and a portfolio value above EUR 1 million or equivalent, priced at 0.70% to 0.50% a year, minimum EUR 3,750 per semester. The general terms state that advice is given on an independent basis unless agreed otherwise.

Entry from
EUR 1,000,000
Segment
Wealth management
Other

All-inclusive fee arrangement

An all-inclusive fee the bank may offer in some cases, bundling the administration fee, the advisory or management fee, the securities fee and fiduciary-deposit commissions, charged semi-annually on average month-end assets with minimums of EUR 2,500 (non-managed), EUR 4,000 (discretionary mandate) or EUR 6,000 (advisory mandate) per semester; a EUR 100 ticket fee applies to options and futures, and correspondents' custody and delivery fees, tax statements and structured-product set-up fees are billed separately.

Segment
Private banking
Execution only

Reception and transmission of orders

Orders in financial instruments received from the client outside advice or discretionary management, after an appropriateness test except for non-complex products, and transmitted to Mirabaud & Cie SA in Geneva for execution under the best-execution policy; commissions are charged by band per transaction, with equities from 1.50%, bonds from 0.90% and funds from 0.30%, plus stock-exchange fees of EUR 5 to 25.

Segment
Private banking
Lombard loan

Lombard lending

Lending secured by pledges of listed and liquid securities in the client's portfolio, described in the Pillar 3 report as the bank's principal credit activity and the source of its net interest income; the general terms require a separate credit agreement for any facility.

Segment
Private banking
Payment card

Credit card

Credit card linked to the current account, listed in the Fee Information Document with no charge and described in the fee schedule as priced on demand, with supplier and correspondent charges passed on at cost; a debit card is stated as not available and no card network is named.

Segment
Private banking
Other

Private assets

Institutional-quality access to private-asset investments, named by the group's Luxembourg office page among the services the Luxembourg office provides.

Segment
Wealth management
Other

Wealth planning

Customised planning that considers the client's circumstances, objectives, family situation and intended use of assets, named by the Luxembourg office page among the services the Luxembourg office provides.

Segment
Wealth management
Other

Services for independent asset managers

Asset servicing and advisory services for independent asset managers and their clients, with a named Head of Independent Asset Managers Luxembourg on the office page.

Segment
Wealth management

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Administration fee (custody and portfolio administration)Custody
  • 0.45% p.a. (up to EUR 2,500,000)
  • 0.4% p.a. (EUR 2,500,000 – EUR 15,000,000)
  • 0.35% p.a. (above EUR 15,000,000)
Charged by band on the portion of total portfolio value in each band, semi-annually on a weighted monthly calculation; minimum EUR 1,000 per semester, VAT if applicable. Clients with a management mandate receive a 50% discount on the fee and its minimum. Transfers, collections, debits and credits are included.Banking & Investment Services Fees, January 2023
Discretionary management feePortfolio management
  • 0.85% p.a. (up to EUR 1,000,000)
  • 0.7% p.a. (EUR 1,000,000 – EUR 5,000,000)
  • 0.55% p.a. (EUR 5,000,000 – EUR 10,000,000)
  • 0.45% p.a. (above EUR 10,000,000)
Annual rate per bracket on the monthly weighted average portfolio value, charged semi-annually; minimum EUR 2,500 per semester, VAT if applicable. The administration fee is halved for clients with a management mandate.Banking & Investment Services Fees, January 2023
Advisory mandate feeAdvisory
  • 0.7% p.a. (up to EUR 5,000,000)
  • 0.6% p.a. (EUR 5,000,000 – EUR 10,000,000)
  • 0.55% p.a. (EUR 10,000,000 – EUR 20,000,000)
  • 0.5% p.a. (above EUR 20,000,000)
Applies above EUR 1,000,000. For advisory mandates on portfolios above EUR 1 million or equivalent; annual rate by band on the weighted monthly average portfolio value, charged semi-annually; minimum EUR 3,750 per semester, VAT if applicable.Banking & Investment Services Fees, January 2023
All-inclusive fee minimum — non-managed portfolioOther
  • EUR 2,500 per half-year
Minimum for the all-inclusive fee the bank may offer in some cases, which bundles the administration fee, the securities fee and fiduciary-deposit commissions and is charged semi-annually on average month-end assets; a EUR 100 ticket fee applies to every options and futures transaction, VAT if applicable.Banking & Investment Services Fees, January 2023
All-inclusive fee minimum — with discretionary mandateOther
  • EUR 4,000 per half-year
Minimum for the all-inclusive fee with a discretionary mandate, which also bundles the management fee; correspondents' custody and delivery fees, tax statements and structured-product set-up fees are billed separately.Banking & Investment Services Fees, January 2023
All-inclusive fee minimum — with advisory mandateOther
  • EUR 6,000 per half-year
Minimum for the all-inclusive fee with an advisory mandate, which also bundles the advisory fee; correspondents' custody and delivery fees, tax statements and structured-product set-up fees are billed separately.Banking & Investment Services Fees, January 2023
Fiduciary deposit commissionOther
  • 1% p.a., min. EUR 100
Maximum rate on fiduciary deposit amounts, depending on money-market interest conditions; minimum EUR 100 or equivalent per fixed-term fiduciary deposit, plus a fixed EUR 30 or equivalent per interest payment on short-term fiduciary deposits, VAT if applicable.Banking & Investment Services Fees, January 2023
Cash deposit in other currenciesOther
  • 0.25% per transaction
Deposits in currencies other than CHF, EUR or USD to an account in that currency; deposits in CHF, EUR and USD to accounts in those currencies are included in the account-keeping fee.Fee Information Document - Current Account
Delivery of securities to an external custodianOther
  • EUR 100 per item
Per line for shares, bonds, structured products and collective investment schemes other than hedge funds; hedge funds cost EUR 250 per line when deposited with an administrator and EUR 350 with a custodian.Banking & Investment Services Fees, January 2023
Electronic voting packageOther
  • EUR 500 per year
Annual package for electronic submission of votes at general meetings of companies domiciled and listed in the European Union and the European Economic Area, VAT if applicable.Banking & Investment Services Fees, January 2023
Creation of an estate succession fileOther
  • EUR 450
Per file.Banking & Investment Services Fees, January 2023
Recovery of foreign taxOther
  • EUR 400 per item
Per request; correspondent bank expenses are charged separately.Banking & Investment Services Fees, January 2023
Securities commission — equities and similarTrading commission
  • 1.5%, min. EUR 100 (up to EUR 100,000) per transaction
  • 0.75%, min. EUR 100 (EUR 100,000 – EUR 250,000) per transaction
  • 0.375%, min. EUR 100 (EUR 250,000 – EUR 500,000) per transaction
  • 0.3375%, min. EUR 100 (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.3%, min. EUR 100 (above EUR 1,000,000) per transaction
Charged by band on the portion of the transaction amount in each band, in euros or equivalent; stock-exchange fees of EUR 5 (Switzerland), EUR 15 (Europe) or EUR 25 (other) and any correspondent or exchange charges are added.Banking & Investment Services Fees, January 2023
Securities commission — bonds, notes, treasury bills and money-market instrumentsTrading commission
  • 0.9%, min. EUR 100 (up to EUR 25,000) per transaction
  • 0.8%, min. EUR 100 (EUR 25,000 – EUR 50,000) per transaction
  • 0.6%, min. EUR 100 (EUR 50,000 – EUR 100,000) per transaction
  • 0.5%, min. EUR 100 (EUR 100,000 – EUR 150,000) per transaction
  • 0.2%, min. EUR 100 (EUR 150,000 – EUR 200,000) per transaction
  • 0.1%, min. EUR 100 (above EUR 200,000) per transaction
Charged by band on the portion of the transaction amount in each band, in euros or equivalent; stock-exchange fees and correspondent charges are added.Banking & Investment Services Fees, January 2023
Securities commission — structured productsTrading commission
  • 2%, min. EUR 100 (up to EUR 100,000) per transaction
  • 1%, min. EUR 100 (EUR 100,000 – EUR 250,000) per transaction
  • 0.5%, min. EUR 100 (EUR 250,000 – EUR 500,000) per transaction
  • 0.45%, min. EUR 100 (EUR 500,000 – EUR 1,000,000) per transaction
  • 0.4%, min. EUR 100 (above EUR 1,000,000) per transaction
Charged by band on the portion of the transaction amount in each band; set-up fees expressed as annualised rates are charged in addition by product type, from 0.50% to 2.00% (leverage products 0.25% to 0.75% of notional), VAT if applicable.Banking & Investment Services Fees, January 2023
Securities commission — Mirabaud fundsTrading commission
  • 1%, min. EUR 100 (up to EUR 250,000) per transaction
  • 0.75%, min. EUR 100 (above EUR 250,000) per transaction
Funds where the Mirabaud Group is manager or advisor, charged by band on the portion of the transaction amount in each band; Mirabaud bond funds 0.50% with a EUR 50 minimum.Banking & Investment Services Fees, January 2023
Securities commission — non-Mirabaud fundsTrading commission
  • 1.5%, min. EUR 250 (up to EUR 250,000) per transaction
  • 1.2%, min. EUR 250 (above EUR 250,000) per transaction
Charged by band on the portion of the transaction amount in each band; money-market funds 0.30% with a EUR 30 minimum and bond funds 0.50% with a EUR 100 minimum.Banking & Investment Services Fees, January 2023
Securities commission — private placementsTrading commission
  • 2%, min. EUR 500 (up to EUR 200,000) per transaction
  • 1.5%, min. EUR 500 (EUR 200,000 – EUR 1,000,000) per transaction
  • 1.2%, min. EUR 500 (above EUR 1,000,000) per transaction
Charged by band on the portion of the transaction amount in each band.Banking & Investment Services Fees, January 2023
Bank transfers, collections, debits and creditsOutgoing payments
  • EUR 0 per transaction
Included in the administration fee; charges invoiced by correspondents may be billed to the client.Banking & Investment Services Fees, January 2023
Cash withdrawal in other currenciesCash withdrawal
  • 0.5% per transaction
Withdrawals in currencies other than CHF, EUR or USD from an account in that currency; withdrawals in CHF, EUR and USD from accounts in those currencies are included in the account-keeping fee.Fee Information Document - Current Account
Dispatch of correspondence by postStatements and documents
  • EUR 1,000 per year
Per year; statements are otherwise available through e-banking, and each additional postal correspondence costs a further EUR 1,000 a year.Banking & Investment Services Fees, January 2023
Annual tax statementStatements and documents
  • EUR 150 per item
EUR 150 for the annual statement of revenues and EUR 150 for the annual statement of realised capital gains or losses.Banking & Investment Services Fees, January 2023
Standard account balance for the preceding yearStatements and documents
  • EUR 100 per item
Per request per year, plus VAT; additional costs of specific requests are invoiced separately.Banking & Investment Services Fees, January 2023
Account closing feeAccount closure
  • EUR 1,000
A maximum of EUR 1,000 is invoiced at account closing, VAT if applicable.Banking & Investment Services Fees, January 2023

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 cardsOffered
  • 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 appNot disclosed

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

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