Name

Valiant Bank

Legal name

Valiant Bank AG

Website

https://valiant.ch

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Other Investment Pools and Funds (5259)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG), Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG), Managed Accounts & Unified Managed Accounts (UMAs) — Multi-Asset (FSAAAJAE)

Keywords

• Retail banking services
• Mortgage lending
• Wealth management
• SME banking
• Digital banking platform

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue from interest margins on mortgages, business loans, and personal lending products. The bank offers fixed-rate, variable SARON-linked, and environmental mortgages generating interest income.
2. Account and Card Fees: Monthly fees from banking packages (Lila Sets) and transaction fees from debit/credit cards, with free tiers for young customers up to age 28
3. Investment Advisory and Management Fees: Fees from investment advisory services (Basic, Sélect, Professionell tiers) and wealth management mandates (Helvétique, Classique, Sustainable) calculated as percentage of assets under management
4. Transaction and Trading Fees: Brokerage commissions, transaction fees, and custody fees from securities trading, Fondsinvest, and execution-only services
5. Pension and Insurance Products: Revenue from third-pillar (Säule 3a) accounts, freizügigkeits accounts (occupational pension transfers), and broker services for company pension solutions

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Valiant Bank AG is an independent Swiss retail and SME bank offering accounts, payment cards, mortgages (fixed, variable, SARON-linked, family, environmental), investment advisory and wealth management, Pillar 3a pension accounts, and digital banking (E-Banking, mobile app) to private and business customers in Switzerland. Its Lila Set family of bank packages combines accounts, cards, and digital services into customizable bundles, complemented by a full product suite for SMEs, self-employed, and founders.

Product overview

Valiant Bank operates as a multi-channel Swiss retail and business bank organized as a platform-plus-modules architecture. The core offering centers on the Lila Set family of customizable bank packages (Lila Set, Lila Set Young) combining accounts, cards, and digital services, supplemented by a full suite of individual financial products. For private customers, the portfolio includes various checking and savings accounts, credit/debit cards (Debit Mastercard, Visa Platinum), multiple mortgage types (Festhypothek, SARON-Hypothek, Familien-Hypothek, Umwelthypotheken), investment advisory tiers (Anlageberatung, Vermögensverwaltung, Execution only), and retirement planning tools (Finanzplanung, Risikoanalyse, Entnahmeplan). For business customers, Valiant offers Business Sets (Basis, Plus, Premium), BusinessNet accounting integration, operating and investment credits, bank guarantees, and multibanking services. The digital banking layer comprises Valiant App, E-Banking, TWINT, eBill, QR-Rechnung, and Instant Payment. The bank maintains strategic technology integrations with accounting software (KLARA, Bexio, Swiss21.org), payment services (wallee, TWINT, Apple Pay, Google Pay), and enables cross-bank liquidity management via Multibanking with major Swiss cantonal banks.

Differentiator

Problem solved

Functional benefit

Brands

• Lila Set: Bank packages for everyday banking including accounts, cards, and digital services
• Lila Set Young
• Business Sets
• PRIVOR
• Fondsinvest
• ValOr
• BusinessNet
• AgentSelly

Products and services

• Lila Set Bank Packages Customizable bank package combining a private account, Debit Mastercard, international purchases without fees, savings accounts, and digital services, with optional add-ons (Komfort, credit card, paper statements). Lila Set Young is a free version for customers under age 28.
• Mortgage Products (Festhypothek, Lila SARON-Hypothek Plus, Variable Hypothek, Baukredit) Suite of residential mortgages for private customers: fixed-rate Festhypothek (2-10 years), variable SARON-linked Lila SARON-Hypothek Plus, flexible Variable Hypothek cancellable after 3 months, and Baukredit construction credit that converts to a mortgage once equity is exhausted.
• Familien-Hypothek Mortgage with reduced interest rate for families with children under 18, available as fixed or variable option.
• Lila Umwelthypotheken (Environmental Mortgages) Environmental mortgage with reduced interest rate for energy-efficient properties (Minergie, GEAK A/B certified) or renovation measures.
• Anlageberatung (Investment Advisory)
• Vermögensverwaltung (Wealth Management Mandates) Discretionary wealth management from CHF 1 million with three mandates: Helvétique (Swiss market focus), Classique (international markets), and Sustainable (ESG investments), plus custom mandates.
• Execution Only (Self-Directed Investing) Self-directed investment service with no minimum amount, allowing customers to trade from the full product range (funds, securities, cryptocurrencies) independently with a 0.25% annual depot fee.
• Investment Products (Valiant Fonds, Fondsinvest, Kassenobligation, Festgeld, Kryptowährungen, Edelmetallkonto) Range of investment products including strategically managed Valiant Fonds, Fondsinvest savings-investment hybrid, Kassenobligation medium-to-long-term fixed-interest products, Festgeld short-term deposits, cryptocurrencies, and Edelmetallkonto precious metals accounts.
• Finanzplanung (Financial Planning) Financial planning service with three tiers (Basic online tool, Sélect CHF 250/session, Premium with base fee CHF 1,500 plus CHF 500 per additional module) covering optimal retirement timing, income/expense analysis, tax planning, and optional modules for real estate and partial retirement.
• Risikoanalyse (Risk Analysis) Risk analysis service with three tiers (Basic online tool, Sélect CHF 250 per analysis, Premium CHF 750) covering disability, death, and old-age benefits, with the Premium tier suitable for self-employed and complex situations.
• Entnahmeplan (Withdrawal Plan) Withdrawal plan service with three tiers (Basic online calculator, Sélect, Premium with legacy planning module) analyzing how long savings will last with annual withdrawals after retirement.
• Pension Products (PRIVOR Säule 3a, Freizügigkeitskonto 2. Säule, Wertschriftensparen) Pillar 3a retirement savings account (PRIVOR) with preferential interest rates and tax advantages; Pillar 2 vested benefits account (Freizügigkeitskonto) for managing pension funds when leaving a pension fund; and Wertschriftensparen securities savings within the pension sector.
• Business Set Packages (Basis, Plus, Premium) Business banking packages for SMEs, self-employed, and startups: Basis (free, 1 account, 60 bookings), Plus (CHF 10/month, 2 accounts, 500 bookings), and Premium (CHF 20/month, unlimited accounts and bookings), each including Debit Mastercards, E-Banking, and a personal advisor.
• BusinessNet (Online Accounting Integration) Online accounting solution synchronizing Valiant E-Banking with modern accounting software (KLARA, Bexio, Swiss21.org) for automatic reconciliation, payment orders, and business administration.
• Business Financing (Betriebskredit, Terminkredit, Investitionsdarlehen, Bankgarantien und Bürgschaften) Suite of business credit products: Betriebskredit (operating credit for temporary liquidity), Terminkredit (fixed-term credit with fixed interest rate), Investitionsdarlehen (investment loan for fixed-asset investments), and Bankgarantien und Bürgschaften (advance payment, performance, construction, rental, and payment guarantees).
• Digital Banking (Valiant E-Banking, Valiant App, Multibanking) Digital banking platform comprising Valiant E-Banking web platform, Valiant App (iOS/Android) for mobile banking with account management, payments, budget analysis, and product opening, plus Multibanking for cross-bank account aggregation across major Swiss banks.
• Payment Cards (Debit Mastercard, Credit Cards, Business Card) Range of payment cards: contactless Debit Mastercard, Valiant Kreditkarte (Silver, Classic, Gold), premium Valiant Visa Platinum, and Business Card with travel insurance and turnover bonus. Supports mobile payments via Apple Pay, Google Pay, Samsung Pay, SwatchPAY!, Garmin/Fitbit, and TWINT.
• Merchant Services (wallee Payment Terminals & E-commerce) Payment terminals and e-commerce solutions for merchants via wallee partnership, supporting Maestro, Debit Mastercard, Mastercard, V-Pay, Visa, PostFinance Card, Google Pay, Apple Pay, and TWINT, with preferential Valiant customer pricing.

Quantifiable outcome

• Family mortgage rate reduction of up to 0.20% for families with children under 18
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• AgentSellycoreStrategic or Co-development PartnerValiant has a partnership with AgentSelly for real estate selling services. AgentSelly offers digital and personal real estate sale services from A to Z. Valiant recommends AgentSelly to customers looking to sell property, providing a seamless experience for homeowners transitioning or downsizing.
• walleecoreChannel Partner/ Reseller/ Distributorwallee is Valiant's partner for payment terminals and e-commerce solutions. Offers fully integrable and flexible solutions for merchants. Valiant customers receive preferential pricing on wallee payment terminals and free consultation for online payment processing needs. Supports Maestro, Debit Mastercard, Mastercard, V-Pay, Visa, PostFinance Card, Google Pay, Apple Pay, and TWINT.
• KLARAcoreTechnology or IntegrationKLARA is a digital assistant for administrative tasks including HR administration, accounting, and marketing. Part of BusinessNet ecosystem allowing Valiant E-Banking synchronization with KLARA's online accounting software. KLARA offers all-in-one SME solution starting at CHF 17/month with Swissdec-certified payroll.
• BexiocoreTechnology or IntegrationBexio is one of the market leaders in cloud-based business software with over 15,000 customers. Integration with Valiant E-Banking enables automatic reconciliation. Offers online accounting, contact management, quotes/invoices, product management, time tracking, and projects starting at CHF 35/month.
• Entris Banking GroupcoreTechnology or IntegrationEntris Banking Group is a cooperative banking network of Swiss regional banks. Valiant benefits from shared infrastructure including Bancomat network access (over 600 ATMs) where Valiant customers can withdraw cash fee-free at all Entris member bank ATMs.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Berner Kantonalbank (BEKB): Cantonal bank headquartered in Bern with full-service retail, SME, and mortgage offerings across the same Swiss-German market Valiant serves, including similar digital channels and wealth management; the closest geographic and product-line peer.
• Luzerner Kantonalbank (LUKB): Mid-sized Swiss regional bank offering retail, SME, and mortgage products with comparable digital/branch hybrid distribution; structurally similar in scale, segment mix, and product breadth to Valiant.
• Aargauer Kantonalbank (AKB): Independent Swiss regional bank competing for retail and SME customers with full-service offerings including mortgages, advisory, and wealth management, comparable in scale and distribution model.
• Basler Kantonalbank (BKB): Swiss regional universal bank with retail and SME focus plus wealth management; comparable in product mix (deposits, mortgages, advisory) and digital channel investment.
• St. Galler Kantonalbank (SGKB): Mid-sized Swiss cantonal bank providing retail, SME, and wealth services; directly comparable in customer profile, mortgage orientation, and product breadth to Valiant.
• Hypothekarbank Lenzburg: Privately held independent Swiss retail and mortgage bank with strong regional franchise; similar positioning to Valiant as an independent, not cantonal, universal bank serving retail and SME customers.
• Migros Bank: Swiss retail bank closely tied to Migros retail network, offering accounts, mortgages, and advisory at mass-affluent price points; comparable go-to-market and customer overlap with Valiant's retail platform.

Broad incumbents

• Raiffeisen Schweiz: Cooperative banking group and one of Switzerland's largest retail/SME players; comparable across virtually every product line Valiant offers but operates as a federated network with significantly larger market share and distribution.
• PostFinance: State-owned Swiss retail and SME bank with deep national coverage in accounts, payments, and SME lending; competes directly with Valiant across retail deposits, payments, and SME financing.

Emerging players

• Neon (Neon Switzerland AG): Swiss digital-first neobank offering free retail accounts and payments; competes for the same consumer entry points and younger demographic that Valiant's Lila Set family targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/valiantbank
• YouTubeyoutube.com/user/ValiantBank
• Facebookfacebook.com/valiantbank.ch
• LinkedInlinkedin.com/company/valiantbank
• Instagraminstagram.com/valiantbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Valiant Bank