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

About Lombard Odier (Europe) S.A.

Lombard Odier (Europe) S.A. is the European Union banking subsidiary of the Lombard Odier Group, headquartered in Luxembourg and authorized as a credit institution by the Commission de Surveillance du Secteur Financier (CSSF). It acts as the group’s EU booking center and provides services through branches in several EU countries, including Belgium, France, Italy, and Spain, and via cross-border passporting where allowed. Its offering covers discretionary and advisory portfolio management, custody and execution across listed and over-the-counter instruments, collateralized lending (Lombard loans), and wealth planning delivered with in-house and external specialists; clients may access the group’s fund range and selected private market vehicles subject to eligibility and local rules. The bank maintains multi-currency cash and custody accounts with SEPA and SWIFT payments, e-banking and mobile access, secure messaging, and electronic statements. Its client base primarily comprises high- and ultra-high-net-worth individuals, families, entrepreneurs, and family offices; onboarding requires standard AML/KYC documentation, source-of-wealth evidence, and suitability and appropriateness assessments under MiFID II. Pricing is bespoke and typically includes management or advisory fees, custody charges, transaction commissions, and foreign-exchange margins; minimum relationship sizes apply and vary by location. Lombard Odier (Europe) S.A. is subject to EU CRR/CRD capital, liquidity, governance, and conduct requirements, publishes Pillar 3 disclosures, and participates in Luxembourg’s deposit guarantee scheme (FGDL), which covers eligible deposits up to €100,000 per depositor; client financial instruments are held under safeguarding rules, with the investor compensation scheme (SIIL) providing up to €20,000 if the institution cannot return assets. The bank applies GDPR, CRS, and FATCA obligations and maintains policies for best execution, conflicts of interest, and complaints handling, including access to the CSSF’s out-of-court dispute resolution process. The entity is distinct from the group’s asset management companies and from the Swiss parent bank; it does not operate as a mass-market retail bank, and the availability of products, tax reporting support, and lending terms depends on client domicile and applicable regulations.