We begin with the client, not the institution. Your wealth, source of funds, business interests, family circumstances, jurisdictions, currencies, liquidity needs and future ambitions all influence what the right private banking relationship should look like. We use that understanding to identify institutions within our international network whose capabilities and approach correspond to your circumstances. Where appropriate, we engage directly with the relevant private banking professionals, coordinate the initial discussions and help position the relationship correctly from the outset. The objective is not simply to find a bank willing to open an account, but to establish a banking relationship capable of supporting the wider financial world around you.

Yes. For international clients, concentrating every requirement within a single institution is not always the most appropriate approach. One bank may provide an excellent relationship for custody and investments, while another may be better positioned for lending, particular currencies, jurisdictions or more specialised requirements. Sutterson Reed can help bring those relationships together within a coherent private banking structure, rather than leaving you to manage several institutions independently. Through the Private Office, we maintain sight of the wider picture and coordinate the relevant relationships as your needs develop. The result is a banking world built around your circumstances, rather than your circumstances being forced around the capabilities of one institution.

Our private banking relationships are particularly strong across Switzerland, the United Kingdom, Jersey and Guernsey, four established financial centres offering different capabilities for international private clients. Our network extends beyond these markets where a client’s circumstances require a different jurisdiction, institution or specialist capability. We therefore look at where you live, where your wealth originates, how your affairs are structured and what you are ultimately trying to achieve before considering where a relationship should sit. For clients whose personal, business and financial lives cross borders, this international perspective is fundamental. The jurisdiction should form part of the solution, rather than determine it before we have understood the client.

Absolutely. A private banking relationship can extend far beyond deposits and day to day banking. Depending on your circumstances, the wider conversation may include investment management, custody, foreign exchange, liquidity planning, Lombard credit, asset backed lending or financing connected to personal and business ambitions. Through Sutterson Reed, these requirements can be considered together rather than approached as unrelated transactions. We identify where specialist expertise is required and coordinate the appropriate institutions and professionals through our network. This allows the banking relationship to become part of a broader financial architecture designed around your wealth, your objectives and the opportunities you want to pursue.

An introduction is the beginning of the relationship, not the end of our involvement. Once the appropriate institution or specialist has been identified, Sutterson Reed remains alongside the client to help coordinate the relationship and maintain continuity across the wider financial picture. As wealth, businesses, families and international circumstances evolve, banking requirements can change with them, sometimes significantly. A new financing requirement, investment objective, jurisdiction or opportunity may require additional expertise or another institution to be brought into the relationship. Rather than starting again each time, the Private Office retains an understanding of your world and helps bring the right relationships together as your needs evolve.