Lombard Odier (Europe) S.A products, services and reviews

About Lombard Odier (Europe) S.A

Lombard Odier (Europe) S.A. is a Luxembourg-incorporated credit institution that serves as the European Union banking hub of the Lombard Odier Group, a Swiss private banking group founded in 1796. It is authorized and supervised by the Commission de Surveillance du Secteur Financier (CSSF) and operates under EU prudential and conduct rules (including CRR/CRD and MiFID II). Eligible deposits are covered by Luxembourg’s deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg) up to EUR 100,000 per depositor, and certain investment services fall under the investor compensation scheme up to EUR 20,000, subject to legal conditions and exclusions. The bank focuses on private and institutional clients and offers discretionary and advisory portfolio management, custody and brokerage, multi‑currency accounts and payments, securities‑backed lending, and access to funds and structured solutions, with wealth planning delivered in coordination with group specialists; it operates EU branches, including in France, Spain, Italy, and Belgium, and provides cross‑border services where permitted. Onboarding is subject to standard AML/KYC due diligence, eligibility criteria, and jurisdictional restrictions; minimum asset requirements apply and vary by client profile. Digital channels include online and mobile banking with multi‑factor authentication, secure messaging, reporting, and, where agreed, execution‑only trading. Pricing is individualized and typically comprises management and, where applicable, performance fees, custody and account charges, transaction commissions, FX margins, and credit spreads; costs and charges are disclosed in client documentation and periodic MiFID reports. Clients receive suitability or appropriateness assessments where required and have access to best‑execution and conflicts‑of‑interest policies. Investment and market risks remain with the client; deposit protection is limited to statutory caps; product availability and tax treatment depend on domicile. Complaints are handled under the bank’s internal process with recourse to the CSSF’s out‑of‑court mechanism for eligible complainants.