Private Banking

Private banking and wealth management are terms that overlap. However, the financial services offered through private banking and through wealth management differ slightly. Wealth management is a broader category that involves dealing with the optimization of a client's portfolio, taking into account their aversion to, or comfort with, risk, and investing financial assets according to their plans and goals. Wealth management can be practiced on a portfolio of any size, though, as the name implies, it is geared toward the well-off. Private banking, by comparison, typically refers to an envelope solution for high-net-worth individuals (HNWIs) wherein a public or private financial institution employs staff members to offer high-net-worth clients personalized care and management of their finances.

• Complementary accounts that work together to meet the demands of each individual's cash portfolio.
• Instant access to cash, free day-to-day transactions, and fee-free currency conversion are just a few of the benefits – visit individual account sites for more information.
• Except for the Cash Hub Account, which can only have two joint account holders, other personal accounts can have up to four joint account holders.