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Adam Abdellaoui
Of Counsel
How to Open an Account with Banque Heritage SA
Date of last update: 12 January 2026
Banque Heritage SA is a family-controlled Swiss private bank headquartered in Geneva, operating under FINMA supervision since 2004. The institution combines the agility of a family-run structure with the resources of an established financial group, focusing on wealth preservation and capital enhancement for international clients through personalized private banking, asset management, and family office services.
+41 (44) 5152530
Banque Heritage SA
Information verified and updated
Headquarters
Geneva
Switzerland
Structure
Family-Controlled
Est. 1986
Assets Under Management
CHF 5.08bn
As of 30 June 2025
Regulation
FINMA Licensed
Bank since 2004
Performance & Resilience
Financial indicators as of 30 June 2025 (First Half)
Net Income
CHF 40.2M
+2% Year-on-Year
Net Profit
CHF 7.5M
H1 2025
Net Inflows
CHF 445M
New Assets
AuM Growth
+4%
In First Half 2025
Wealth Solutions
Private Banking
Personalized solutions for HNWIs including multi-currency accounts, transactional services, and Lombard lending. Support organized by geographic markets.
Asset Management
Modern portfolio theory application with discretionary and advisory mandates. Principals may invest alongside clients in selected strategies.
Wealth Planning
Estate planning, family office setup, and multi-generational wealth transfer supported by an open-architecture platform.
Specialized Services
External Asset Managers (EAM) MA & Strategic Advisory Pension Planning Open Architecture
Core Investment Products
Investment Funds
Proprietary and third-party funds across equity, fixed income, and multi-asset strategies.
Mandates
Customized discretionary and advisory portfolio management.
Structured Products
Capital-protected and yield-enhancement solutions.
Direct Investments
Access to equities, bonds, and money market instruments globally.
Alternative Investments
Private equity, real estate-backed lending, and venture capital club deals.
Account Opening Process
1
Initial Consultation
Mandatory personal meeting to discuss account parameters, objectives, and minimum balance requirements.
2
Documentation
Submission of forms, passport copies, CV, and detailed source-of-funds documentation.
3
Compliance Review
Enhanced due diligence under Swiss AML regulations verifying beneficial ownership and wealth origin.
4
Activation
Account activation followed by access to e-banking platforms and portfolio services.
Maria Werner
Of Counsel – specialized in corporate law and tax law
info@goldblum.ch
+41 (44) 5152530
Our Locations
Geneva (Headquarters)
Route de Chêne 61, CH-1211 Geneva 6
+41 58 220 00 00
Mon–Fri, 08:30–17:30
Zurich
Bellerivestrasse 241, CH-8034 Zürich
+41 58 220 08 00
Mon–Fri, 08:30–12:00, 13:30–17:00
Basel
Dufourstrasse 25, CH-4010 Basel
+41 58 220 06 00
Mon–Fri, 08:30–12:00, 13:30–17:00
Regional / International
Sion, Switzerland Contact headquarters for details
Montevideo, Uruguay Subsidiary: Banque Heritage Uruguay S.A.
Milestones
1986
Founding of the Family Office Heritage Finance & Trust SA by Carlos Esteve.
2004
Granted Swiss Federal Banking License; conversion into a private bank.
2007
Acquisition of Banco Surinvest, Montevideo, Uruguay.
2017
Marcos Esteve (6th generation) named CEO.
2019
Merger of Banque Heritage and Sallfort Privatbank.
Frequently asked questions
The bank's headquarters is located at Route de Chêne 61, CH-1211 Geneva 6, Switzerland. Regional offices operate in Basel, Zurich, and Sion, with a wholly owned subsidiary in Montevideo, Uruguay.
Banque Heritage applies an individualized approach to account opening. Contact a relationship manager for a personalized assessment.
No. Banque Heritage SA is a family-controlled private bank, not listed on any stock exchange. This structure allows the institution to focus on long-term client relationships rather than short-term market pressures.
Standard documentation includes certified passport copies, proof of residential address, client resume or professional background, corporate documents (for entities), detailed source-of-funds documentation, and completed tax forms (W-8BEN for individuals, W-8BEN-E for entities). Enhanced due diligence may require additional documentation depending on jurisdiction and business activity.
Banque Heritage provides a dedicated EAM desk with custody services, consolidated reporting, fee transparency, and access to the bank's open-architecture platform. The service includes tools and platforms enabling asset managers to deliver excellence to their clients.
Yes. The bank provides tailored pension planning solutions as part of its comprehensive wealth management offering, subject to applicable regulatory requirements and client qualification.
Banque Heritage has developed a fully independent open-architecture platform over thirty years, focused on selecting high-performance products to construct client portfolios. The bank combines targeted internal expertise with access to external managers across global markets.
The bank develops proprietary macro-economic and currency allocation models, deriving source data from firms without brokerage models to avoid conflicts of interest.
Banque Heritage's investment approach is based on modern portfolio theory, emphasizing steady performance and low volatility. Capital preservation is considered at least as important as capital enhancement, with a disciplined risk management framework applied across all mandates.
Yes. Where appropriate, principals invest alongside clients in selected strategies, subject to conflicts-of-interest policies and full disclosure. This practice demonstrates the bank's confidence in its investment methodology.
Adam Abdellaoui
Your personal contact
Of Counsel
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