Appenzeller Kantonalbank products, services and reviews

About Appenzeller Kantonalbank

Appenzeller Kantonalbank is a regional Swiss cantonal bank serving the Appenzell area with a focus on retail and SME clients, operating a small branch network centered locally and offering standard services such as current and savings accounts, payments, cards, online and mobile banking, mortgages (including fixed-rate and SARON-linked options), consumer and SME lending, and basic investment and pension products like custody, funds, and pillar 3a solutions. It provides advisory for home financing and wealth accumulation and supports local businesses with accounts, payment services, financing, and foreign exchange for routine needs. International services and cross-border onboarding are limited and subject to regulatory requirements, and the product shelf is narrower than that of large universal banks, particularly for advanced brokerage, multicurrency solutions, and complex capital-markets services. Pricing follows common Swiss structures with account packages and published mortgage rates, alongside fees for securities trading, international transfers, and special services. Digital channels cover everyday banking, secure messaging, two-factor authentication, and eBill support; functionality beyond core retail features may be restricted relative to larger competitors. The balance sheet is typical for a cantonal lender, with mortgages representing a significant share of assets and funding largely from customer deposits. Client protection includes participation in the Swiss depositor protection scheme (esisuisse) up to CHF 100,000 per client, along with standard Swiss security and data-protection practices. This positioning suits individuals and SMEs seeking straightforward local banking and mortgage services with access to in-person support, while customers with complex international requirements may find fewer options. Prospective clients should review eligibility, fees, and mortgage terms, and confirm language availability and digital features before onboarding.