Private banking

Our comprehensive complementary banking service enables us to arrange international transfers, and provides you with access to a range of other banking facilities such as the provision of loans secured against your portfolio, direct debits, foreign exchange, and accounts in a range of currencies.

Private Banking

Your investment manager operates your private banking service, effectively acts as your ‘bank manager’, giving you access to cash management and payments, foreign exchange, loans and overdrafts.

This banking service is run conservatively and securely, backed by the capital of the Smith & Williamson group.

Meeting your needs

International

You will have access to deposit accounts in all major currencies. We also offer competitive foreign exchange services and electronic payments.

Flexible

Cash requirements can change so it's important to have access to a service that meets your needs quickly and efficiently. We offer short-term loans and overdrafts to existing clients for a variety of circumstances, ranging from investing in a private company to funding property purchases, bridging loans or probate assistance.

Secure

Our banking services are regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

How we can help

  • Private bank accounts: current, call deposit and fixed deposit accounts in major foreign currencies. Interest is calculated by reference to the base rate for the relevant currency.
  • Electronic payments: Offered in Ireland and internationally.
  • Foreign exchange: Provided free of charge and offering competitive rates both on a spot (standard settlement) and forward (non-standard settlement) basis.
  • Loans and overdrafts: Flexible short-term financing for immediate cash requirements, normally secured against your investment portfolio and with interest charged at a percentage over the Royal Bank of Scotland base rate.


Our banking services are a useful addition to a full-service portfolio and are available to existing clients only.

To find out more, please contact one of the team on +353 1 500 6500.

For all other Smith & Williamson offices, check our locations or departments and partners.

Our credentials

Longevity

Advising high-net-worth families for over 120 years - our first-ever family client is still a client today - demonstrating our ability to build lasting relationships that stand the test of time.

Scale

We manage a broad range of portfolios from personal savings to institutional-style mandates for wealthier families and charities.

Stability

Low staff turnover - with many of our people working with us for 20 years or more - allows for the continuity of client / adviser relationships across many years.

Capital at risk. The value of investments and the income from them can fall as well as rise and you may not receive back the original amount invested.

Your eligible deposits with Smith & Williamson Investment Services Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the £85,000 limit are unlikely to be covered.