Find answers to the most frequently asked questions about our banking services.
Our digital private bank is accessible to adult individuals tax resident in the EU, EEA (Iceland, Norway, Liechtenstein), United Kingdom and Switzerland. For Private Banking accounts, we generally require a minimum investable wealth of €100,000 (threshold may vary depending on products: €250,000 for Luxembourg life insurance, etc.). Legal entities may also open an account under certain conditions.
Account opening is done entirely online in just a few minutes: Step 1: Digital form with your personal and wealth information. Step 2: Investor profile questionnaire (15-20 questions) to assess your capacity and risk tolerance. Step 3: Secure digital identification (video identification or biometric recognition AML/CFT compliant). Step 4: Qualified Electronic Signature (QES) of contracts. Step 5: Verification of your external bank account by test transfer. Activation: Your account is operational within 24-48 hours, with immediate access to the dedicated mobile app and web banking.
Our model is transparent with no surprises: Monthly subscription: From €29/month (12-month commitment, first 3 months free). No account maintenance fees or premium bank card (metal card included). Unlimited free SEPA transfers. International transfers: Real exchange rate (no hidden margin) + reduced fees (0.4-1% depending on currency, compared to 2-3% at traditional banks). Wealth management: Management fees from 0.65% per year depending on products.
We offer ultra-competitive international transfers: SEPA zone (EU + EEA): Free and instant transfers 24/7. Outside SEPA: Transfers in 50+ currencies to 175 countries with: Real interbank exchange rate (no hidden markup), reduced fixed fees (up to 6x cheaper than traditional banks), execution in 1-2 business days, real-time tracking via the app. Premium metal card: Unlimited free payments and withdrawals in all currencies worldwide.
A complete range of banking and investment products: Premium current account with metal card and cashback (1-2% depending on currency). Savings: Boosted savings accounts, term deposits up to 2.6%, life insurance (French and Luxembourg from €250k). Stock market: Securities account, PEA, PEA-PME with reduced pricing (0.07% on orders > €20k). Alternative investments: Private Equity (from €100k), SCPI, real estate crowdfunding, cryptocurrencies. Custom structured products: 100% customizable online (underlyings, capital protection, early recall). Lombard loan: 2.95% fixed, up to €2M, flash digital subscription.
Despite our 100% digital model, you benefit from a dedicated wealth advisor: Extended availability: 8am-8pm Monday to Friday, 8:45am-4:30pm Saturday. Personalized wealth summary and simulations (retirement, taxation). Exclusive webinars and educational content. For complex wealth engineering (legal, tax), we provide an ecosystem of expert partners (lawyers, tax specialists) - fees at client's expense.
Absolutely. Your assets benefit from several levels of protection: European banking license: We are a bank regulated by the ACPR/ECB. Deposit Guarantee Fund: Up to €100,000 per holder and per bank. Asset segregation: Your securities are in your name at a third-party custodian (off our balance sheet). Strong authentication: 2FA, biometrics, real-time alerts. Banking encryption: Military-grade standards for all data. Cyber insurance: Protection against fraud and hacking.
Yes, we facilitate incoming transfers: Securities transfers (TOB): Free and assisted by our teams. Life insurance: Transfer of external contracts to our Luxembourg contract. SEPA transfers: Unlimited and free to fund your account. Externalization: You can also transfer your assets to another bank at any time without closure fees.
We combine the wealth expertise of a private bank with the fluidity and transparency of digital. Unlike traditional banks that often charge 0.5% to 1.5% of your wealth annually with hidden fees, we offer a transparent monthly package from €29. Account opening takes 24-48 hours 100% online, compared to several weeks at a traditional bank. You access your accounts 24/7 via mobile and web, without being constrained by branch hours. Our international transfers use the real interbank exchange rate with reduced fees, whereas traditional banks apply 2-3% margins and high fixed fees (€5 to €25). For structured products, we offer the same customization but with total transparency on costs and liquidity. Finally, you keep a dedicated wealth advisor, but in an open architecture approach without conflict of interest, unlike the often sales-oriented model of traditional banks.
Yes, we offer a progressive approach: First 3 months free to test all services. Free simulation of your investor profile and recommended allocation. Opening without commitment: You can close your account at any time without fees (except during the initial 12-month subscription commitment period). Progressive migration: Keep your existing accounts while testing our services.