Specialty accounts.
Account structures for situations a standard business account does not cover.
Private banking
A relationship rather than a product: one banker who knows the file, discretionary access to the desk, and coordination across the trust, lending, and settlement sides of an engagement.
- Named relationship manager, with a named deputy
- Coordination across trust, credit, and settlement
- Reporting cut to how you actually review holdings
Corporate accounts
Operating accounts for trading companies, holding structures, funds, and project vehicles, with permissions that reflect who in the organisation is allowed to do what.
- Multiple authorised signatories with defined limits
- Segregated accounts per project or mandate
- Statements and audit extracts in formats your auditor accepts
Escrow
Funds held by a third party and released only when agreed conditions are met and evidenced. Escrow protects both sides, which is exactly why parties resisting it are worth a second look.
- Release conditions documented before funding
- Both parties verified, not just the depositor
- Written record of every instruction and release
- Funds returned to source if conditions are not met
Precious metals
Allocated holdings in gold and silver, meaning specific bars are recorded against your name. This is a different thing from an unallocated balance, which is a claim on a pool and ranks as a creditor claim if the custodian fails.
- Allocated storage, recorded by bar and serial number
- LBMA certified refiners
- Independent audit of holdings available on request
- Physical delivery or vault transfer on instruction
Allocated and unallocated are not interchangeable terms, and the difference only matters on the day the custodian is in trouble. Every metals holding we open is allocated unless a client instructs otherwise in writing.
Not sure which of these you need?
Describe the outcome rather than the product. We will tell you which route fits, or that none of them do.
Speak to the desk