Urner Kantonalbank products, services and reviews

About Urner Kantonalbank

Urner Kantonalbank (UKB) is the cantonal bank of the Canton of Uri, headquartered in Altdorf and organized as a public-law institution wholly owned by the canton; under cantonal law the canton provides an explicit guarantee for the bank’s liabilities. The bank operates as a regional universal bank focused on private individuals, SMEs, and public-sector entities in Uri, offering current and savings accounts, domestic and cross-border payments in CHF and EUR (including SEPA transfers), mortgages (fixed-rate and SARON-linked), consumer and business loans, pension solutions under Switzerland’s pillar 3a framework, investment advisory and discretionary mandates, securities custody and trading, and digital channels via e-banking and a mobile app; it issues debit cards, offers credit cards through a partner, and supports common Swiss payment solutions such as TWINT and eBill. Distribution is centered on a local branch and ATM network within the canton, complemented by remote channels for account management and advisory. The balance sheet is typical of a Swiss cantonal bank, with customer deposits funding a predominantly mortgage loan book, which creates exposure to regional real estate and interest-rate risks; capital and liquidity are managed under Swiss prudential requirements, and the institution is supervised by FINMA and subject to oversight by the Swiss National Bank. Client eligibility and product availability are primarily oriented toward customers domiciled in Switzerland, and cross-border services are limited and subject to regulatory restrictions. Deposits are protected by the Swiss depositor protection scheme (esisuisse) up to CHF 100,000 per client and, in addition, by the cantonal guarantee. Pricing follows published tariffs for accounts, payments, cards, custody, and mortgages; terms and interest rates vary by product and can change with market conditions and SNB policy rates. Ownership is not publicly traded, governance is defined in cantonal legislation, and the bank publishes audited annual reports and regulatory disclosures as required by Swiss law.