Bankhaus Ellwanger & Geiger AG fiksuoti indėliai ir taupomosios sąskaitos

Apie Bankhaus Ellwanger & Geiger AG

Bankhaus Ellwanger & Geiger AG is a long-established German private bank headquartered in Stuttgart, operating under a full banking license and supervised by BaFin and the Deutsche Bundesbank. The institution focuses on wealth management and investment services for private clients, entrepreneurs, and selected institutional investors, offering discretionary portfolio management, non-discretionary investment advisory, securities brokerage and custody, and lending solutions commonly used in private banking relationships (for example, Lombard loans secured by financial instruments). Portfolio construction typically spans equities, bonds, funds, and selected alternative investments, with client classification, suitability and appropriateness checks, and sustainability preference assessment conducted under MiFID II; the bank provides an order execution policy along with ex-ante and ex-post costs and charges disclosures and key investor documents for packaged products. Client financial instruments are generally held in segregated custody under German law, while cash balances are deposits protected by the statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor per bank; some private banks also participate in the industry’s voluntary deposit protection scheme with higher limits, so customers should verify the bank’s current memberships and applicable caps. Pricing follows standard private banking models, including percentage management fees for discretionary mandates, advisory or transaction-based charges for brokerage, and custody fees; performance fees may apply to certain strategies and should be reviewed alongside the bank’s conflicts-of-interest and inducements policies. Onboarding usually targets clients with substantial investable assets and is limited to jurisdictions permitted by the bank’s cross-border policy; reporting is provided through periodic statements and online portals, and German tax reporting is supported in line with local requirements. Investment returns are not guaranteed, market movements can lead to losses, and unsecured deposits and certain liabilities may be subject to bail-in under EU resolution rules; prospective clients should evaluate risk tolerance, liquidity needs, and investment horizon before entering into any mandate.