Basellandschaftliche Kantonalbank products, services and reviews

About Basellandschaftliche Kantonalbank

Basellandschaftliche Kantonalbank (BLKB) is the cantonal bank of the Canton of Basel-Landschaft, headquartered in Liestal, operating a regional branch and ATM network alongside e-banking and a mobile app. It offers standard Swiss retail and SME services, including current and savings accounts in CHF (and selectively in foreign currencies such as EUR), domestic and SEPA payments, cards, mortgages (fixed-rate and SARON-linked), investment advisory and discretionary mandates, custody services, pension products (e.g., pillar 3a), and solutions for corporate and public-sector clients such as working-capital financing, guarantees, and real estate lending. The bank is supervised by FINMA and participates in the Swiss deposit insurance scheme (esisuisse) which protects up to CHF 100,000 per client per bank; as a cantonal institution it is majority-owned by the canton, and its liabilities are subject to a statutory cantonal guarantee defined by cantonal law, which is separate from deposit insurance and has its own conditions and limits. Payment functionality covers standard Swiss rails (QR-bill, eBill, standing orders) and SEPA transfers; support for TWINT and two-factor authentication for e-banking is typical for this segment. Pricing follows the common Swiss model of account or package fees, card fees, and charges for foreign payments and currency conversion; youth and student pricing tiers are usually differentiated, and fee waivers may depend on client segments or relationships, with the current tariff published by the bank prevailing. The balance sheet profile is mortgage-heavy and income is primarily driven by net interest income, with fee and commission income from investment and payment services contributing a smaller share; this implies exposure to interest-rate risk and the regional real-estate cycle, mitigated by Swiss capital and liquidity requirements (Basel III/Swiss finish) and disclosed risk metrics in the annual report. Client onboarding is focused on residents of Switzerland; cross-border relationships are limited and subject to regulatory and tax-compliance constraints (e.g., FATCA/CRS). Primary service language is German, and service delivery is centered on the Basel-Landschaft region, with digital channels extending access nationally. Prospective clients should review the latest fees, product terms, eligibility criteria, and the legal framework of the cantonal guarantee on the bank’s official materials before opening an account or entering financing agreements.