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BANK PROFILE · Switzerland

VP Bank Schweiz

VP Bank (Schweiz) AG

VP Bank (Schweiz) AG is the VP Bank group's Swiss bank, founded in Zurich in 1988 as a wholly owned subsidiary of VP Bank Ltd in Vaduz and licensed by FINMA as a bank and securities dealer; FINMA's list of authorised institutions and the esisuisse member search both carry it, so eligible deposits are protected up to CHF 100,000 per client. From Talstrasse 59 near Paradeplatz, a team of around 100 serves private clients and, since its foundation, external asset managers and other intermediaries. Its services-and-fees brochure of 1 July 2026 prices the VP Sensa package at CHF 150 a month with a CHF 150 surcharge for clients outside the group's 24 focus markets, custody at 0.35% or 0.45% by domicile, three VP Vida discretionary mandates from CHF 250,000 to CHF 2 million, two VP Auda advisory mandates from CHF 250,000, and a brokerage scale from 0.90% to 0.35%; current accounts run in Swiss francs, euros and most major foreign currencies at CHF 60 a year. The Swiss site publishes fixed-rate, forward and money-market mortgages and Lombard loans, and the general terms give clients the right to view all documents under FinSA. Payment cards are available on request without a named network; Moody's rates the parent VP Bank Ltd, not this entity.

Jurisdiction
Switzerland
Regulator
FINMA
Founded
1988
Headquarters
Zurich

01 · AT A GLANCE

The group's Swiss bank in Zurich, with a published private-banking tariff and a strong intermediary business

  • FINMA-licensed Swiss bank, founded in Zurich in 1988 as a wholly owned subsidiary of VP Bank Ltd
  • Services-and-fees brochure valid from 1 July 2026 with a stated CHF 150 monthly package and CHF 150 surcharge outside the focus markets
  • VP Vida mandates from CHF 250,000 (Essential), CHF 750,000 (Advanced) and CHF 2 million (Custom); VP Auda advisory from CHF 250,000
  • Custody 0.35% a year in the focus markets, 0.45% outside; brokerage 0.90% to 0.35%, minimum CHF 80
  • Fixed-rate, forward and money-market mortgages and Lombard loans through the Zurich office
  • Dedicated intermediary tariff for external asset managers, trustees and lawyers; esisuisse deposit protection to CHF 100,000
Minimum deposit

From CHF 250,000The lowest documented entry amount among the bank's account and mandate products: VP Vida Essential. Other products may require more.

Client segments

Private banking, Wealth management, Institutional

Service languages

German, English

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

Payment account held in Swiss francs, euros and, as the brochure puts it, most major foreign currencies, with the full balance available at any time and quarterly statements. Account management costs CHF 60 a year and each debit carries a turnover commission of 0.5 per mille, between CHF 75 and CHF 500.

Segment
Private banking
Currencies
CHF · EUR
Banking package

VP Sensa

The core-services package: a personal client advisor, the Investment Recommender, an initial financial and pension-planning consultation, VP Bank e-banking with the mobile app and e-Post, asset statements and tax reports, current and foreign-currency accounts with e-banking payments, and payment cards on request. It carries no stated minimum; the thresholds sit on the mandates.

Segment
Private banking
Currencies
CHF
Custody account

Custody and administration

Safekeeping and administration of securities including external custody, income collection, coupon redemption, fiduciary investments, a precious-metal account and physical storage of precious metals. Charged quarterly on average assets at 0.35% a year for clients domiciled in the focus markets and 0.45% outside them, with a minimum of CHF 10 per position.

Segment
Private banking
Currencies
CHF
Discretionary mandate

VP Vida Essential

An efficiently managed fund mandate with a flat wealth-management fee of 0.60% a year at every size, from a minimum investment of CHF 250,000.

Entry from
CHF 250,000
Segment
Private banking
Currencies
CHF
Discretionary mandate

VP Vida Advanced

A mandate combining collective and direct investments, from 0.95% a year on the first CHF 2 million falling to 0.65% above CHF 10 million, from a minimum investment of CHF 750,000.

Entry from
CHF 750,000
Segment
Wealth management
Currencies
CHF
Discretionary mandate

VP Vida Custom

A fully tailored investment strategy, from 1.00% a year up to CHF 5 million falling to 0.55% above CHF 25 million, from a minimum investment of CHF 2 million. All mandate lines also come in Plus variants with a stronger sustainability weighting.

Entry from
CHF 2,000,000
Segment
Ultra high net worth
Currencies
CHF
Advisory mandate

VP Auda Advanced

Advice at regular intervals from the client advisor, with portfolio monitoring and secondary-market brokerage included in the fee; from a minimum investment of CHF 250,000. A brokerage option cuts the advisory fee by 40% and charges transactions separately.

Entry from
CHF 250,000
Segment
Private banking
Currencies
CHF
Advisory mandate

VP Auda Custom

Proactive investment advice with an investment consultant in person and at regular intervals, priced from 0.85% a year up to CHF 10 million to 0.55% above CHF 25 million. The brochure states the minimum investment as 1 million without naming the currency.

Segment
Wealth management
Execution only

VP Clava - execution only

Self-directed securities trading on top of VP Sensa, with custody and administration and the securities-and-money-market tariff: 0.90% of the transaction value up to CHF 50,000 falling to 0.35% above CHF 500,000, minimum CHF 80, plus a CHF 80 handling fee for orders not placed through e-banking.

Segment
Private banking
Lombard loan

Lombard loan

Credit against lendable assets in the portfolio - securities, precious metals, time and fiduciary deposits and account balances - as a fixed-rate advance or an overdraft facility, with the lending value and limit visible in the client portal. The private-banking financing page presents it alongside real-estate financing.

Segment
Private banking
Mortgage

Mortgage loans and real-estate financing

Fixed-rate, forward fixed-rate and money-market mortgages for new construction, alterations and property purchases, arranged by mortgage specialists in Zurich for the Swiss market; a forward mortgage fixes the rate up to three years ahead and a money-market mortgage resets monthly or quarterly within a twelve-month term.

Segment
Private banking
Custody account

Services for external asset managers

The intermediary tariff of 1 July 2026: VP Sensa Pro at CHF 100 a month with the same domicile, legal-entity and monitoring surcharges, VP Clava Pro for custody and trading, and e-services from digital onboarding to VP Bank Connect, EBICS and FIX for external asset managers, trustees and lawyers.

Segment
Institutional

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Private banking package feeAccount maintenance
  • CHF 150 per month
VP Sensa basic fee. Manual payments and other services are charged separately.Services and fees for private banking - VP Bank (Switzerland) Ltd
Private banking package surcharge — clients outside the focus marketsAccount maintenance
  • CHF 150 per month
Applies to clients resident outside the bank's home market. Doubles the CHF 150 VP Sensa fee for a contractual partner domiciled outside VP Bank's focus markets of Liechtenstein, Switzerland, Luxembourg, Singapore, the British Virgin Islands, Germany, Denmark, Estonia, Latvia, Lithuania, Norway, Austria, Portugal, Sweden, Spain, Ukraine, Cyprus, China, Hong Kong, Indonesia, Malaysia, Taiwan, Thailand and the United Arab Emirates. Legal entities pay CHF 100 more a month and relationships needing enhanced regulatory monitoring CHF 300 more.Services and fees for private banking - VP Bank (Switzerland) Ltd
Account management feeAccount maintenance
  • CHF 60 per year
Current account with quarterly statements and account balancing.Services and fees for private banking - VP Bank (Switzerland) Ltd
Turnover commission on debit entriesOther
  • 0.05%, min. CHF 75, max. CHF 500 per transaction
0.5 per mille of each debit entry, minimum CHF 75 and maximum CHF 500 per transaction.Services and fees for private banking - VP Bank (Switzerland) Ltd
Custody and administration fee — focus marketsCustody
  • 0.35% p.a.
For a contractual partner domiciled in one of VP Bank's focus markets; charged quarterly on average assets including account balances, minimum CHF 10 per position a year.Services and fees for private banking - VP Bank (Switzerland) Ltd
Custody and administration fee — clients outside the focus marketsCustody
  • 0.45% p.a.
Applies to clients resident outside the bank's home market. For a contractual partner domiciled outside the focus markets; charged quarterly on average assets, minimum CHF 10 per position a year.Services and fees for private banking - VP Bank (Switzerland) Ltd
Wealth management fee — VP Vida CustomPortfolio management
  • 1% p.a. (up to CHF 5,000,000)
  • 0.9% p.a. (CHF 5,000,000 – CHF 10,000,000)
  • 0.75% p.a. (CHF 10,000,000 – CHF 25,000,000)
  • 0.55% p.a. (above CHF 25,000,000)
Tiered so that the rate shown applies to the whole amount; the minimum fee is calculated on the CHF 2 million minimum investment. Includes the securities-and-money-market fees and third-party brokerage; VP Sensa, custody, exchange fees and taxes are charged in addition.Services and fees for private banking - VP Bank (Switzerland) Ltd
Wealth management fee — VP Vida AdvancedPortfolio management
  • 0.95% p.a. (up to CHF 2,000,000)
  • 0.85% p.a. (CHF 2,000,000 – CHF 5,000,000)
  • 0.75% p.a. (CHF 5,000,000 – CHF 10,000,000)
  • 0.65% p.a. (above CHF 10,000,000)
Tiered so that the rate shown applies to the whole amount; the minimum fee is calculated on the CHF 750,000 minimum investment. Includes the securities-and-money-market fees and third-party brokerage; VP Sensa, custody, exchange fees and taxes are charged in addition.Services and fees for private banking - VP Bank (Switzerland) Ltd
Wealth management fee — VP Vida EssentialPortfolio management
  • 0.6% p.a.
Flat rate at every size; the minimum fee is calculated on the CHF 250,000 minimum investment. Includes the securities-and-money-market fees and third-party brokerage; VP Sensa, custody, exchange fees and taxes are charged in addition.Services and fees for private banking - VP Bank (Switzerland) Ltd
Investment advisory fee — VP Auda CustomAdvisory
  • 0.85% p.a. (up to CHF 10,000,000)
  • 0.75% p.a. (CHF 10,000,000 – CHF 25,000,000)
  • 0.55% p.a. (above CHF 25,000,000)
Tiered so that the rate shown applies to the whole amount. Includes advice with portfolio monitoring, secondary-market brokerage, the fiduciary commission and the manual-order handling fee; VP Sensa, custody, option and futures fees and third-party charges are extra. A brokerage option reduces the fee by 40% and charges transactions separately.Services and fees for private banking - VP Bank (Switzerland) Ltd
Investment advisory fee — VP Auda AdvancedAdvisory
  • 0.6% p.a. (up to CHF 5,000,000)
  • 0.55% p.a. (CHF 5,000,000 – CHF 10,000,000)
  • 0.5% p.a. (above CHF 10,000,000)
Tiered so that the rate shown applies to the whole amount; the minimum fee is calculated on the CHF 250,000 minimum investment. Includes advice with portfolio monitoring, secondary-market brokerage, the fiduciary commission and the manual-order handling fee; VP Sensa, custody, option and futures fees and third-party charges are extra.Services and fees for private banking - VP Bank (Switzerland) Ltd
Brokerage — equities, bonds, funds and structured products on the secondary marketTrading commission
  • 0.9%, min. CHF 80 (up to CHF 50,000) per transaction
  • 0.8%, min. CHF 80 (CHF 50,000 – CHF 100,000) per transaction
  • 0.7%, min. CHF 80 (CHF 100,000 – CHF 250,000) per transaction
  • 0.5%, min. CHF 80 (CHF 250,000 – CHF 500,000) per transaction
  • 0.35%, min. CHF 80 (above CHF 500,000) per transaction
Tiered on the transaction value so that the rate shown applies to the whole amount, minimum CHF 80; money-market funds 0.30% and hedge funds a CHF 500 minimum. Exchange fees, taxes and third-party charges are passed on.Services and fees for private banking - VP Bank (Switzerland) Ltd
Handling fee for manual ordersTrading commission
  • CHF 80 per transaction
Priced with an advisor. Per transaction outside an investment advisory solution that is not placed via e-banking.Services and fees for private banking - VP Bank (Switzerland) Ltd
Manual outgoing paymentOutgoing payments
  • CHF 60 per transaction
Priced with an advisor. Per payment not entered through e-banking; e-banking payments and electronic standing orders are included in VP Sensa, and a standing order set up outside e-banking costs CHF 10 once.Services and fees for private banking - VP Bank (Switzerland) Ltd
Termination of the business relationshipAccount closure
  • CHF 800, max. CHF 1,100
CHF 800 for a client domiciled in Liechtenstein or Switzerland and CHF 1,100 for other countries.Services and fees for private banking - VP Bank (Switzerland) Ltd

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 accessNot disclosed

Banking

  • Multi-currency accountsOffered
  • Payment cardsOn request
  • Foreign exchangeOffered

Lending

  • Lombard lendingOffered
  • Mortgages and property financeOffered

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

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