VP Bank (Luxembourg) S.A. products, services and reviews

About VP Bank (Luxembourg) S.A.

VP Bank (Luxembourg) S.A. is the Luxembourg subsidiary of VP Bank Group, a Liechtenstein-based banking group. It operates as a licensed credit institution under the supervision of the Commission de Surveillance du Secteur Financier (CSSF) and participates in Luxembourg’s deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg, FGDL), which protects eligible deposits up to EUR 100,000 per depositor; investor compensation relating to investment services is handled under the SIIL framework subject to statutory limits. The bank focuses on private banking and wealth management for high-net-worth clients, entrepreneurs, and professional intermediaries, providing multi-currency accounts, custody and trading, discretionary and advisory mandates, Lombard lending, cash and foreign exchange services, and e-banking; it is not positioned as a mass-market retail bank. In the local fund ecosystem, the group also includes VP Fund Solutions (Luxembourg) S.A., which offers UCITS and AIF management; VP Bank (Luxembourg) S.A. serves as depositary and custodian for investment funds and provides execution and safekeeping infrastructure for fund promoters and asset managers. Onboarding is subject to Luxembourg and EU AML/CTF requirements (including enhanced due diligence for complex structures and cross-border clients), MiFID II suitability and appropriateness rules, and tax transparency obligations; product availability and service coverage depend on client domicile, source-of-wealth documentation, and the bank’s country-of-service policies. Pricing is mandate- and service-based, typically comprising custody fees, brokerage commissions, FX charges, lending margins, and account administration; public tariff detail for private banking is limited and overall cost depends on portfolio composition and trading activity. Digital access is available via web and mobile e-banking with secure messaging and electronic statements, while relationship management remains central for investment decisions and credit. Clients should consider that counterparty exposure is only partly mitigated by statutory protection ceilings and that investments booked in Luxembourg remain subject to market, currency, liquidity, and concentration risks, as well as cross-border tax and reporting requirements.