Graubündner Kantonalbank products, services and reviews

About Graubündner Kantonalbank

Graubündner Kantonalbank is the cantonal bank headquartered in Chur that serves the canton of Graubünden with a network of retail branches and regional advisory offices, offering standard banking services including current accounts, savings and deposit products, mortgages, corporate lending, asset management and private-banking services; its business model is oriented toward local retail customers, small and medium-sized enterprises and regional institutions, with a pronounced focus on mortgage lending and wealth management for residents of the canton. The bank operates under Swiss financial regulation and publishes audited annual reports and periodic financial disclosures; as a cantonal institution it is integrated in the Swiss cantonal bank landscape, which can involve specific legal and supervisory frameworks that customers should verify for details such as any canton-level guarantee. Digital services include online banking and a mobile app that cover everyday transactions and account management, while more specialized or international banking needs typically require workarounds or correspondent relationships with larger domestic or international banks. Pricing, interest rates and fee schedules are market-driven and vary by product and client profile; transparency is available through prospectuses and product documents but comparisons with national banks are necessary to assess competitiveness. Credit risk and balance-sheet exposure are concentrated geographically, reflecting the regional focus; this implies a business profile that is conservative in footprint but sensitive to local economic cycles, notably real estate markets and tourism dynamics. Customer service is delivered primarily in the region’s main languages and through local branches, which supports relationship banking but limits reach beyond the canton.