Julius Baer

Private bank · Zurich, Switzerland

Julius Baer is a Swiss private bank founded in 1890 and based on Bahnhofstrasse in Zurich. It manages money for wealthy families and does not run retail or corporate banking. At 30 June 2026 it held CHF 547 billion of assets under management, a CHF 116.6 billion balance sheet and CHF 72.1 billion of client deposits, and it earned a half-year net profit of CHF 673 million. The group holds banking licences in Switzerland, Luxembourg, Germany, Monaco, Guernsey, Singapore and Hong Kong, runs an FCA-authorised investment firm in the UK, and has no operations in the United States or Canada. FINMA opened enforcement proceedings over the bank's Signa exposure in February 2025 and they were still open at the July 2026 half-year results, and it separately ordered the bank to pay CHF 4 million in May 2025 for anti-money-laundering failures.

Legal name: Julius Baer Group Ltd.
Regulated by: FINMA (Switzerland), CSSF (Luxembourg), BaFin (Germany), FCA (United Kingdom), MAS (Singapore), HKMA (Hong Kong), DFSA (Dubai), Central Bank of Ireland, Banca d'Italia and Consob (Italy), Banco de España and CNMV (Spain), Guernsey Financial Services Commission, ACPR (Monaco), Central Bank of Bahrain, FSCA (South Africa)
Licence confirmed: yes, on a regulator's own list
Established: 1890
Website: www.juliusbaer.com

Scores, 0 to 10

7.5Financial strength & stability

CET1 capital ratio of 18.5% and total capital ratio of 24.4% at 30 June 2026 against minimums of 8.4% and 12.6%, with an A1 Moody's deposit rating, offset by FINMA enforcement proceedings opened in February 2025. · source

6.5Europe (EU, EEA, Switzerland)

Bank Julius Baer Europe S.A. holds a CSSF banking licence with branches in Ireland, Italy and Spain, Bank Julius Bär Deutschland AG holds a BaFin banking licence dated 21 September 1989, and Monaco has its own ACPR-licensed bank, but none of them opens business current accounts. · source

6.0Asia-Pacific (SG, HK, AU, JP, KR)

Bank Julius Baer & Co. Ltd. runs a MAS-licensed branch in Singapore and an HKMA-licensed branch in Hong Kong plus offices in Tokyo, Bangkok, Shanghai and seven Indian cities, all serving private clients rather than companies. · source

6.0Customer satisfaction

Julius Baer won Euromoney Private Banking Awards 2026 for Best Pure Play or Boutique Private Bank in Asia, India, Thailand, Bahrain, Luxembourg and South Africa, and its Julius Baer Mobile app scores 3.9 from 59 ratings on the Swiss App Store. · source

5.0Foreign-owned & non-resident companies

Julius Baer books international private clients through licensed banking entities in ten countries, but every relationship starts with a relationship manager and no online application exists. · source

5.0Crypto wallet and custody for a business

Julius Baer holds selected crypto tokens for its private clients in hot and cold storage with FINMA-licensed AMINA Bank as sub-custodian and includes them in regular reporting, but the offer depends on client domicile and is built for private wealth, with no business account product, checked September 2026. · source

5.0On-ramp: buy crypto with fiat

Private clients can buy selected tokens directly from their Julius Baer account through their relationship manager, but this is a wealth-management service, not a business on-ramp, and no policy on paying outside exchanges is published. · source

5.0Off-ramp: crypto to fiat in a business account

The bank accepts incoming crypto transfers after forensic blockchain analysis of the sending wallet and a proof-of-ownership check, and clients can sell tokens they hold there; the process is published but serves private clients, with no stated limits or speed. · source

5.0Bitcoin

Trading, custody, incoming and outgoing transfers and case-by-case crypto-backed loans are offered to private clients, but the page names no tokens and there is no company product, so bitcoin support for a business rests on thin evidence. · source

4.5Ethereum

Ether is not named on the bank's digital asset page, which only says selected tokens; press on the 2020 launch says SEBA, now AMINA, supported bitcoin, ether and three other coins, and no staking is offered, so evidence for ether at Julius Baer is thin. · source

4.0Latin America, Africa & South Asia

Emerging-market presence is advisory rather than banking: a representative office in Chile, a financial advisory licence in Uruguay, an FSCA Category 1 advisory licence in South Africa and portfolio management in Israel. · source

4.0Crypto-friendly bank

The digital assets page describes trading, execution and custody of selected tokens for the bank's own private clients with AMINA Bank AG as sub-custodian, and lists no account or on-ramp product for crypto exchanges, brokers or other virtual asset service providers. · source

4.0Cross-border payments, FX and multi-currency accounts

Julius Baer runs foreign exchange and precious metals trading and earned CHF 876 million from instruments at fair value through profit or loss in H1 2026, but publishes no FX margins and sells no multi-currency payment product. The solution set is limited to wealth planning, investing, financing and additional services, which gives multi-currency portfolios and structured products but no cash pooling, payment factory or host-to-host connectivity. · source

3.5United Kingdom

Julius Baer International Limited is FCA-authorised for dealing, arranging, managing, advising and custody arrangement rather than deposit taking, so seven UK offices come with no business account and no Faster Payments access. · source

3.5Best interest on business balances

Interest expense on client deposits fell 22% to CHF 583 million in H1 2026 on lower deposit rates, and no business savings rate or treasury sweep product is published. · source

3.0Middle East & Gulf

The only Gulf licence is a DFSA Category 4 investment advisory licence held by Julius Baer (Middle East) Ltd. in Dubai, with further offices in Abu Dhabi and Manama and no GCC banking licence. · source

3.0Business cards (Visa, Mastercard)

The additional services page lists pension solutions, asset servicing, digital assets and real estate and no business card programme. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Julius Baer publishes no policy on gambling, adult, cannabis or forex businesses, so the score is conservative. · source

2.5Lowest fees

The adjusted gross margin was 87 basis points of average assets under management in H1 2026, and the bank publishes no account, transfer or card price list because pricing is agreed per relationship. · source

2.5Fast digital onboarding

There is no online application anywhere on the site, every solution page ends in a contact form to a relationship manager, and H1 2026 net new money of CHF 5.7 billion was held back by the rollout of a revised risk and compliance framework. · source

2.0Startups & VC-backed companies

Financing covers only Lombard lending against a portfolio and bespoke lending for complex wealth needs, so there is no venture debt and nothing for a company without assets to pledge. · source

1.5Fintech companies that need a partner bank

The intermediaries unit offers framework agreements to external asset managers and advisors in thirteen locations, and no safeguarding, banking-as-a-service or BIN sponsorship product is offered to payment firms. · source

1.0Online businesses: e-commerce and SaaS

The four solution groups are wealth planning, investing, financing and additional services, with no merchant acquiring, collection accounts or marketplace payouts. Julius Baer is a private bank whose solutions pages cover wealth planning, financing, pensions and digital assets with no business operating account or integrations for a software company. · source

1.0Trade, manufacturing & import-export

The financing page lists Lombard lending and bespoke lending only, with no letters of credit, guarantees, documentary collections or supply-chain finance. · source

1.0Accept crypto payments

The bank's digital asset offer covers investment, custody and crypto-backed lending only, with no merchant crypto acceptance, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin holding, payout or issuance service appears on the bank's digital asset page or in 2025-2026 press, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.