01 · AT A GLANCE
Isle of Man private bank combining multi-currency banking with discretionary portfolio management and secured lending
- Isle of Man bank licensed by the Isle of Man Financial Services Authority
- Participant in the Isle of Man Depositors' Compensation Scheme, with the Jersey branch covered to GBP 50,000
- Current accounts with published rates in sterling, euro, US dollars and South African rand
- Fixed term deposits from a published minimum of GBP 50,000 or currency equivalent
- Discretionary portfolio management across six global strategies in sterling, US dollars or euro
- Lombard lending against managed portfolios and lending secured on property
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
English
02 · ACCOUNTS AND PRODUCTS
Documented accounts and products.
Current account
Day-to-day transactional banking with standing orders, direct debits and international payments. The bank's brochure describes a choice of 15 major currencies but publishes no list; the four currencies recorded here are those carrying published interest rates.
- Segment
- Private banking
- Currencies
- EUR · GBP · USD · ZAR
Fixed term deposit
A deposit fixed for an agreed term at a rate set at the outset, with a published minimum of GBP 50,000 or currency equivalent and a five-business-day cooling-off period. There is no charge for opening one, and other currencies may be available on request.
- Entry from
- GBP 50,000
- Segment
- Private banking
- Currencies
- EUR · GBP · USD · ZAR
Minimum balance: GBP 50,000
Discretionary portfolio management
Portfolios actively managed by the bank's investment team across six published global strategies — Cautious, Balanced, Steady Growth, Growth, Equity and Income — held in sterling, US dollars or euro. No entry minimum is published for the service.
- Segment
- Wealth management
- Currencies
- EUR · GBP · USD
Execution-only dealing
A dealing service with secure custodian facilities covering assets listed on major stock markets, reported alongside the client's bank accounts. Custody, dealing and custody-movement charges are published in the tariff.
- Segment
- Private banking
Lombard lending
Borrowing secured against diversified investment portfolios held with the bank, available as sterling, US dollar or euro-denominated loans with flexibility over structure, term and repayment.
- Segment
- Private banking
- Currencies
- EUR · GBP · USD
Property lending
Borrowing for residential or investment properties in the United Kingdom, and lending against Isle of Man properties. Mortgage-related administration charges are published in the tariff.
- Segment
- Private banking
Platinum Visa debit card
Platinum Visa debit cards issued free of charge in sterling, euro and US dollars. Foreign currency conversion carries a published percentage fee on top of the Visa exchange rate.
- Segment
- Private banking
Foreign exchange service
A specialist dealing team offering same-day and two-day settlement, limit orders and forward foreign exchange, including a direct service for clients trading frequently or in high value.
- Segment
- Private banking
03 · WHAT IT COSTS
Published pricing.
| Charge | Amount | When it applies |
|---|---|---|
| Custody and administration chargeCustody |
| Charged quarterly on the mid-market value of the holding, subject to a published annual minimum of GBP 150..Tariff of Charges — Personal Accounts |
| Dealing chargeTrading commission |
| AlwaysTariff of Charges — Personal Accounts |
| Custody movement of UK or US securitiesOther |
| Other securities are charged GBP 40 per transaction and hedge funds GBP 80 per transaction..Tariff of Charges — Personal Accounts |
| Unarranged borrowing referralOther |
| The tariff charges the same GBP 25 for a missed payment referral, for each follow-up letter and for each refused cheque, standing order or direct debit..Tariff of Charges — Personal Accounts |
| Issuing a sterling chequeOther |
| A euro cheque is published at EUR 22, cancellation at GBP 15 and special presentation at GBP 25..Tariff of Charges — Personal Accounts |
| Mortgage redemption administrationOther |
| An arrears charge of GBP 25 is published separately..Tariff of Charges — Personal Accounts |
| Online sterling payment within the UKOutgoing payments |
| Priced online. Charged on sterling payments within the UK above GBP 100,000. Payments up to GBP 100,000 are published as free..Tariff of Charges — Personal Accounts |
| Online payment outside the UKOutgoing payments |
| Priced online. Published as GBP 25, EUR 35 or USD 40 depending on the currency sent..Tariff of Charges — Personal Accounts |
| Sterling payment within the UK by written instructionOutgoing payments |
| AlwaysTariff of Charges — Personal Accounts |
| Payment outside the UK by written instructionOutgoing payments |
| Published as GBP 30, EUR 40 or USD 45 depending on the currency sent..Tariff of Charges — Personal Accounts |
| Debit card foreign currency conversionForeign exchange |
| Charged in addition to the Visa exchange rate applied to the transaction..Tariff of Charges — Personal Accounts |
| Duplicate statementStatements and documents |
| Charged per sheet. Statements and valuations taken through the online wealth service are published as free..Tariff of Charges — Personal Accounts |
| ValuationStatements and documents |
| A status enquiry is charged at the same GBP 25, and an annual report at GBP 25 per copy..Tariff of Charges — Personal Accounts |
| Returned mailStatements and documents |
| AlwaysTariff of Charges — Personal Accounts |
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 advisoryNot disclosed
- Execution-only tradingOffered
- Custody and safekeepingOffered
- Private markets accessNot disclosed
Banking
- Multi-currency accountsOffered
- Payment cards
- Visa debit carddebit
- Foreign exchangeOffered
debitLending
- Lombard lendingOffered
- Mortgages and property financeOffered
Planning
- Wealth and estate planningNot disclosed
Structuring
- Trust and foundation servicesNot disclosed
Digital
- Online bankingOffered
- Mobile appOffered
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.