Thurgauer Kantonalbank products, services and reviews

About Thurgauer Kantonalbank

Thurgauer Kantonalbank is the cantonal bank of the Canton of Thurgau and operates primarily within Switzerland through a regional branch and ATM network supported by e-banking and mobile channels. It is a public-law institution under cantonal law and is majority-owned by the canton; the canton provides a statutory guarantee of the bank’s liabilities as defined by cantonal legislation, and deposits are also covered by Switzerland’s esisuisse protection up to CHF 100,000 per client per bank. The bank is supervised by FINMA and the Swiss National Bank and publishes periodic financial statements in line with Swiss reporting standards. Core activities include retail and SME banking with current and savings accounts, payments, mortgages (including fixed-rate and SARON-based), and corporate lending; it also offers private banking and investment services, custody and trading, pillar 3a pension solutions, and cards and payments with TWINT support. Digital banking covers QR-bill and eBill payments, domestic and international transfers, card controls, and alerts; account opening is available in branches and, for eligible applicants, via remote identification. Pricing is set by product and package and may vary by customer profile and usage; interest rates and fees change over time, so the current tariff should be consulted before applying. The loan book is oriented toward residential real estate, which concentrates exposure to property and interest-rate risks; the bank is subject to Swiss capital and liquidity rules and discloses key ratios in its reports. Cross-border services are limited and onboarding is generally restricted to clients domiciled in Switzerland due to regulatory requirements. Customer support is provided via branches, phone, and digital channels during published hours, with communication primarily in German.