Banque Havilland (Monaco) — Private Banking and Wealth Management in Monaco

Brief history and founding

Banque Havilland is a private banking group established in 2009. Since its foundation it has grown from a boutique private bank into a multi-jurisdictional group offering wealth management and bespoke banking services to private and institutional clients. The group expanded its footprint beyond its original base to include offices in key financial centres, including a presence in Monaco aimed at serving high-net-worth individuals, families and small-to-medium enterprises with international needs.

The Monaco entity operates as part of the wider Banque Havilland group and leverages the group's capabilities in cross-border wealth planning, investment advisory and structured solutions while adapting offerings to the local market environment and the regulatory framework of the Principality.

Type of bank

Banque Havilland (Monaco) is principally a private bank focused on wealth management and private banking services. Its activities typically cover discretionary and advisory portfolio management, tailored investment solutions, and client-centric banking services. While not a retail high-street bank, it serves private clients and corporates with bespoke commercial and financial services rather than mass-market retail banking.

Key services offered

Banque Havilland (Monaco) offers a range of services commonly required by private and corporate clients in an international private banking centre:

• Personal banking and accounts: multi-currency current and savings accounts, payment services, debit/credit facilities where applicable.
• Wealth and asset management: discretionary portfolio management, investment advisory, asset allocation and portfolio monitoring.
• Investment services and products: access to equities, fixed income, structured products, collective investments and alternative investments suitable for sophisticated investors.
• Lending and credit solutions: secured and bespoke lending facilities, Lombard/portfolio-backed lending, tailored credit lines for liquidity or acquisition financing.
• Corporate and business banking: business accounts, treasury services, corporate finance advisory and payment solutions for small and medium enterprises and family-owned businesses.
• Custody and settlement: safekeeping of financial instruments and execution, settlement and reporting services.
• Trust, fiduciary and family office support: coordination of wealth structuring, succession planning and related advisory services in partnership with specialist providers.
• Foreign exchange and payments: FX services for multi-currency needs and international payment arrangements.

Notable features or specializations

Banque Havilland positions itself as a boutique private bank with an emphasis on personalized service, confidentiality and flexible solutions. Notable aspects include:

• Tailored approach: emphasis on bespoke investment solutions and individualized relationship management rather than standardized retail products.
• International orientation: cross-border capabilities intended to serve clients with assets and interests across multiple jurisdictions.
• Integration with group resources: access to research, investment teams and product specialists from the wider Banque Havilland group to support client mandates in Monaco.
• Focus on wealth preservation and intergenerational planning: advisory services designed for family offices and long-term wealth transfer.

Regulatory status and deposit protection

Banque Havilland's Monaco operations are subject to the regulatory and supervisory framework applicable in the Principality of Monaco. The bank must comply with Monegasque banking law, anti-money laundering and counter-terrorist financing rules and any supervisory requirements set by the local authorities.

Deposit protection arrangements in Monaco differ from those in the European Union. The scope and level of deposit guarantees depend on local law and any applicable schemes or arrangements the bank participates in. Clients should be aware that deposit protection may not mirror EU or other jurisdictional schemes and should request specific, up-to-date information directly from the bank regarding the coverage of deposits and any related safeguards.

How to open an account (general overview)

Opening an account with a private bank in Monaco typically follows a structured onboarding process designed to meet regulatory Know Your Customer (KYC) and anti-money-laundering requirements. The general steps are:

1. Initial contact and assessment: prospective clients usually make initial contact through the bank's website, by phone or by appointment. A relationship manager will discuss the client's needs and the bank's services.
2. Documentation and identification: the bank will request identification documents (passport or national ID), proof of residence (utility bill or bank statement), proof of source of funds/wealth (employment contracts, sale agreements, corporate documents, tax returns) and references as required.
3. Risk profiling and suitability assessment: the bank conducts a risk profile, investment objectives assessment and determines the suitability of products and services for the client.
4. Account approval and documentation: once KYC checks and internal approvals are complete, the client signs account opening agreements, mandates and service contracts.
5. Funding and activation: the account is funded according to agreed instructions and banking services are activated.

Because private banks often tailor minimum entry requirements to the client segment and service level, prospective clients should discuss minimum deposit thresholds, fee schedules and expected service levels with the bank prior to initiating the process. Remote onboarding may be possible, but in-person meetings are common for private banking relationships.

Contact information and website

Clients and advisers seeking the most current contact details, office address in Monaco and specific product information should consult Banque Havilland's official website or contact the bank directly. The group website is: https://www.banquehavilland.com

For Monaco-specific enquiries the website provides local office contact details and forms for arranging meetings with relationship managers. Always verify contact details on the official site before sharing sensitive information.

Conclusion

Banque Havilland (Monaco) operates as a private bank focused on tailored wealth management, investment services and private banking solutions for international clients. Prospective clients should engage directly with the bank to clarify regulatory protections, minimum entry criteria and the precise range of services available through the Monaco office.