Schaffhauser Kantonalbank

What Schaffhauser Kantonalbank does

Schaffhauser Kantonalbank (SHKB) is a Swiss cantonal bank — a public-law institution owned by the Canton of Schaffhausen — headquartered at Vorstadt 53 in Schaffhausen with a second branch in Stein am Rhein and ATM coverage across all cantonal-bank locations plus eight additional sites in the canton. The bank serves private retail customers, youth (ages 10–25), SMEs and corporate clients, and an in-house wealth-management book of approximately CHF 1.8 billion in discretionary assets. Its product platform is organised around three package offerings: Bankpaket PLUS (CHF 7/month bundle of accounts, Visa Debit, e/mobile banking, E-Dokumente with 10-year retention, eSteuerauszug, TWINT and advisory discounts), the free Bankpaket JUGEND for ages 10–25, and Bankpaket BUSINESS for corporates. Around these packages, SHKB layers savings and securities-savings products (Sparkonto CHF/EUR, Sparplan/Geschenksparplan via Swisscanto funds including ESG variants), Visa Debit and Viseca-issued credit cards, mortgages (Fest-Hypothek, Geldmarkt-Hypothek, Nachhaltigkeits-Hypothek, Baukredit), and a full pillar 2/3a retirement suite.

The technology stack is multi-channel: a free E-Banking web platform, a free iOS/Android SHKB Mobile Banking App (currently being upgraded to a new MAP4 release that will absorb E-Banking two-factor login from the CrontoSign Swiss App/Device), a SHKB «one» companion app for card management, an integrated Finanzassistent personal-finance module, EBICS and a dedicated Datenaustausch channel for corporate ERP integration, TWINT for retail and merchant payments, SEPA support, and SEPA-Basislastschrift (LSV) direct debit. Digital account opening for retail packages is offered in under ten minutes via ID/passport with NFC. Revenue is generated through subscription package fees, card annual fees, asset-management and advisory fees (KB INVESTPLUS 1.10%/year, KB INVESTINDEX 0.90%/year, plus ESG and premium variants, Anlageberatung tiers, and Sparplan fees of 0.70%/year with 50% discount for package holders), payment transaction fees (foreign payments, FX card transactions, brokered securities orders), mortgage interest and origination, and professional services such as tax declaration (from CHF 380), estate and pension advisory. The bank distributes via its branches, ATM network, Contact Center (+41 52 635 22 22), a dedicated youth line, online and mobile self-service, advisory-led wealth and mortgage sales with named specialist advisors, and a community/ecosystem layer that includes ~12 regional school classes per year, sponsorship of Stars in Town, KSS Freizeitpark, Stadttheater and Kadetten Schaffhausen, a Heimvorteil regional discount program, and a CHF 20 referral incentive for Bankpaket JUGEND.

Name

Schaffhauser Kantonalbank

Legal name

Schaffhauser Kantonalbank

Website

https://shkb.ch

Company type

Private

Founded year

1883

Operating status

Operating

Headcount range

101–250 employees

Short description

Schaffhauser Kantonalbank is a Swiss cantonal bank owned by the Canton of Schaffhausen, offering retail, youth, SME and corporate banking plus an in-house ~CHF 1.8bn wealth-management franchise to customers in Canton Schaffhausen.

Ownership category

akta.pro rank

Headquarters

HQ city

Schaffhausen

HQ country

Switzerland

HQ region

Europe

Offices2 records

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. Bankpaket PLUS subscription: Recurring monthly package fee of CHF 7 for the combined private account + savings + card + digital banking bundle (Bankpaket PLUS), with a 50% discount applied to add-on products (credit card, savings plans, advisory services).
2. Privatkonto and Sparkonto fees: Stand-alone Privatkonto CHF (free account management, paper document CHF 2/document, no overdrafts allowed) and Sparkonto CHF (0.05%) / Sparkonto EUR (1.00% up to EUR 50,000, tiered down to 0.30% above EUR 200,000). Counter deposits/withdrawals in EUR carry a 0.50% fee (min CHF 20).
3. Card fees (Debit and Credit): Visa Debit-Karte CHF/EUR CHF 30/year, replacement card CHF 25, permanent block CHF 35. Foreign-currency and foreign online transactions priced at 1.75%. Kreditkarte: Bankpaket-Kreditkarte CHF 50, Silber CHF 100, Gold CHF 200/year; cash withdrawals +4% (min CHF/EUR/USD 10).
4. Asset management and advisory fees: KB INVESTPLUS 1.10%/year (min CHF 400), KB INVESTINDEX 0.90%/year (min CHF 900), KB INVESTPREMIUM strategy-dependent fee, KB INVESTPLUS ESG, plus Sparplan/Geschenksparplan 0.70%/year (50% discount for Bankpaket PLUS/JUGEND). Anlageberatung BASIS/PARTNER/PLUS and Vermögens- & Bedarfsplanung fees.
5. Payment transaction fees: E-Banking domestic payments free; foreign EUR (SEPA) CHF 0.30, other foreign currencies CHF 4, surcharge CHF 5 for payments from savings accounts. Brokerage transactions for ANLAGEBERATUNG BASIS/PARTNER customers receive 35% discount.
6. Mortgage interest and origination: Fest-Hypothek (fixed 2–10 year), Geldmarkt-Hypothek, variable Hypothek, Baukredit, and Nachhaltigkeits-Hypothek; minimum financing CHF 100,000; separate processing fees per Bearbeitungsgebühren factsheet.
7. Advisory and tax services: Tax declaration from CHF 380, Vorsorgeauftrag and Erbschaftsberatung CHF 250/hour, Steuer- und Vorsorgeberatung, Pensionierungsberatung, Finanzberatung, Vorsorgeberatung – all discounted 50% for Bankpaket PLUS customers.

Pricing tiers

Go-to-market motion5 records

Distribution channels8 records

Marketing channels10 records

Core offering

Schaffhauser Kantonalbank is a regional Swiss cantonal bank that provides retail and corporate banking services to private customers, SMEs, and wealth management clients in Canton Schaffhausen. Its core offering comprises bundled account packages (Bankpaket PLUS, Bankpaket JUGEND, Bankpaket BUSINESS), payment accounts and savings products, debit and credit cards, E-Banking and Mobile Banking channels, mortgage financing, securities savings and discretionary asset management, and pension/estate planning services.

Product overview

Schaffhauser Kantonalbank (SHKB) operates a regional full-service banking platform plus a modular product catalogue rather than a single unified product. The core platform is organised around three account packages — Bankpaket PLUS for adults, the free Bankpaket JUGEND for 10- to 25-year-olds and Bankpaket BUSINESS for SMEs — each bundling current/savings accounts (Privatkonto CHF/EUR, Sparkonto CHF/EUR, Jugendsparkonto, Geschenksparkonto), cards (Visa Debit-Karte CHF/EUR, Visa Debit Stu, Kreditkarte Silber/Gold, Commercial Kreditkarte), digital channels (E-Banking, Mobile Banking App, SHKB «one» card-management app, TWINT) and value-added modules (E-Dokumente, Finanzassistent, Hypothekenrechner). Around this core, SHKB layers wealth-management mandates (KB INVESTPLUS, KB INVESTPLUS ESG, KB INVESTINDEX, KB INVESTPREMIUM) plus the advisor-led Anlageberatung tiers, securities-savings plans (Sparplan, Geschenksparplan — including ESG variants) and self-directed options (Depot AUTONOM, Geldmarkt-, Termin- und Kassenobligationen, Edelmetalle). Mortgage and financing products (Fest-Hypothek, Geldmarkt-Hypothek, Nachhaltigkeits-Hypothek, Baukredit, Betriebskredit, Investitionskredit, Leasing, Bürgschaften) and retirement solutions (Vorsorgekonto 3a, Wertpapiersparen Säule 3a, Freizügigkeitskonto, Wertpapiersparen 2. Säule) complete the offering, with dedicated business-customer integrations such as EBICS ERP data exchange and TWINT-for-business acceptance for retailers.

Differentiator

Problem solved

Functional benefit

Brands

• KB INVESTPLUS: Compact asset management mandate offered by the Schaffhauser Kantonalbank with a 1.10% annual fee, minimum investment CHF 30,000.
• KB INVESTPLUS ESG
• KB INVESTINDEX
• KB INVESTPREMIUM
• SHKB Mobile Banking
• SHKB «one»
• SHKB TWINT
• Bankpaket PLUS
• Bankpaket JUGEND
• Bankpaket BUSINESS

Products and services

• Bankpaket PLUS All-in-one private-banking bundle priced at CHF 7/month that includes CHF and foreign-currency Privatkonten and Sparkonten, a Visa Debit-Karte, E-Banking, Mobile Banking, E-Dokumente, eSteuerauszug and TWINT, plus 50% discounts on the Bankpaket-Kreditkarte, Sparplan and various advisory services such as Steuererklärung, Vorsorgeauftrag and Erbschaftsberatung. Target audience: adult private customers in Canton Schaffhausen.
• Bankpaket JUGEND Free banking bundle aimed at 10- to 25-year-olds combining a Privatkonto JUGEND, Jugendsparkonto, Visa Debit Stu with cashback and regional deals, E-Banking and E-Dokumente; an optional Bankpaket-Kreditkarte can be added from age 18.
• Bankpaket BUSINESS All-in-one banking bundle for SME/corporate customers that includes the Kontokorrent CHF, E-Banking for businesses, a Commercial Kreditkarte and other core business services in a single package.
• Privatkonto CHF Free CHF personal current account for receiving salary, pension and other payments and executing payments via E-Banking; compatible with the Visa Debit-Karte CHF for free ATM withdrawals at all cantonal-bank ATMs in Switzerland.
• Privatkonto EUR und übrige Fremdwährungen Foreign-currency personal current account that lets customers hold balances and settle payments in EUR and other currencies without exchange fees, paired with the Visa Debit-Karte EUR for Euro purchases abroad.
• Sparkonto CHF CHF savings account paying a higher interest rate than the Privatkonto for short- to medium-term savings goals, with up to CHF 10,000 in monthly withdrawals available on demand.
• Sparkonto EUR EUR savings account with a tiered interest rate (1.00% up to EUR 50,000) for holding Euro reserves, with up to EUR 10,000 in monthly withdrawals available on demand.
• Jugendsparkonto Free savings account for savers up to their 25th birthday offering a preferential 0.10% interest rate, available with parental consent from age 10 and directly manageable from age 14.
• Geschenksparkonto Long-term savings account opened by parents, grandparents or godparents on behalf of a child, accumulating savings at a preferential rate until the child's 18th birthday when the gifted amount plus a certificate is handed over.
• Sparplan Advisor-led fund savings plan that automatically invests regular contributions from CHF 50 into selected Swisscanto investment funds across Portfolio Responsible, Sustainable and Index Equity strategies, with a 0.70%/year fee (50% discount under Bankpaket PLUS/JUGEND).
• Geschenksparplan Fund-based long-term gift-savings plan for building a child's, grandchild's or godchild's capital in Swisscanto funds, with proceeds handed over either at the child's 18th birthday or at a later chosen milestone.
• Visa Debit-Karte CHF Annual CHF 30 Visa debit card for contactless payments in stores, online and via smartphone/watch, free cash withdrawals at cantonal-bank ATMs across Switzerland and configurable through the SHKB «one» app.
• Visa Debit-Karte EUR Visa debit card linked to the EUR personal account, enabling Euro purchases abroad and at home as well as free cash withdrawals at cantonal-bank ATMs in Schaffhausen.
• Visa Debit Stu Free Visa debit card for customers up to age 25 that combines contactless payments and ATM access with the Stu cashback and discount programme, managed via the SHKB «one» app and default-blocked for non-European use.
• Kreditkarte (Silber / Gold) Issued by Viseca, the Silber (CHF 100/year) and Gold (CHF 200/year) credit cards provide surcharge-free foreign-currency spending, the surprize bonus programme, complimentary travel cancellation and interruption insurance, with Gold additionally offering travel medical assistance, Priority Pass lounge access and rental-car excess cover.
• SHKB Mobile Banking App Free iOS and Android app that mirrors E-Banking functionality on smartphones, including QR-code-based payment capture, securities orders, an asset-and-products overview, regional-discount visibility and registration via E-Banking plus QR-code activation.
• E-Banking für Private Browser-based online banking for private customers providing domestic and SEPA/foreign payment execution, securities orders at preferential rates, secure messaging with advisors and add-on modules such as E-Dokumente and the Finanzassistent, secured with CrontoSign Swiss login.
• SHKB «one» App Companion app for SHKB debit and credit cards that lets cardholders view recent transactions, approve online purchases, block and unblock the card, retrieve the PIN and configure contactless, geographic and online-spending limits.
• SHKB TWINT TWINT service for private customers (p2p, online shops, parking meters) and TWINT for business customers (POS terminals, QR-code stickers, online shops) for receiving smartphone-based payments directly into the SHKB account.
• KB INVESTPLUS Compact discretionary asset-management mandate available from CHF 30,000 in which SHKB's in-house team actively invests according to a client-defined risk profile and strategy, charging an all-in 1.10%/year fee (min. CHF 400).
• KB INVESTPLUS ESG ESG-focused variant of KB INVESTPLUS available from CHF 30,000 that applies Environmental, Social and Governance criteria throughout the multi-stage product selection process.
• KB INVESTINDEX Passive, cost-efficient asset-management mandate available from CHF 100,000 that invests via index products to deliver 1:1 market participation at an all-in 0.90%/year fee (min. CHF 900).
• KB INVESTPREMIUM Comprehensive discretionary asset-management mandate with strategy-dependent fees aimed at larger portfolios seeking full-service investment management by SHKB's specialists.
• Anlageberatung (BASIS / PARTNER / PLUS) Three-tier advisor-led investment-advisory service (BASIS, PARTNER, PLUS) where customers retain investment decisions but receive personal recommendations, brokered through E-Banking with tiered fee structures and ESG-tied variants available.
• Fest-Hypothek Fixed-rate owner-occupier mortgage with fixed interest rates over 2- to 10-year terms from a minimum of CHF 100,000, providing budgeting certainty and optional contractual amortisation; auto-converts to a variable mortgage on expiry unless renewed.
• Geldmarkt-Hypothek Variable-rate money-market mortgage whose interest rate tracks the money-market reference rate, allowing customers to benefit from falling rates at the cost of less budgeting certainty.
• Nachhaltigkeits-Hypothek Sustainability-linked mortgage offering preferential financing terms for energy-efficient renovations and sustainable building measures, integrated with the bank's overall ESG strategy.
• Vorsorgekonto 3a Tax-advantaged Pillar 3a retirement savings account for individuals, allowing annual contributions within the statutory limit to build tax-deductible retirement capital.
• Wertpapiersparen Säule 3a Securities-based variant of the Pillar 3a retirement savings product that invests the tax-deductible retirement contributions in selected funds to enhance long-term returns.
• Freizügigkeitskonto Vested-benefits account that holds Pillar 2 pension assets when changing employer or pension fund, preserving the capital at a competitive interest rate until reinvestment in a new pension solution.
• Wertpapiersparen 2. Säule Securities-based Pillar 2 retirement savings product that invests vested-benefits capital in selected funds to enhance long-term returns while staying within the retirement-savings framework.
• Commercial Kreditkarte MasterCard Business corporate credit card allowing businesses to track and control employee expenses while enjoying corporate-card acceptance and reporting features.
• Unternehmensfinanzierung SME financing solutions including Betriebskredite (working-capital lines), Investitionskredite (investment loans), Leasing, Import/Export financing and Bürgschaften & Garantien (sureties and guarantees, including via BG Ost), supporting corporate investment and operating cycles.
• E-Banking für Firmen Browser-based online banking for corporate customers providing payment initiation, EBICS-based ERP integration, account overview and corporate-banking workflows.
• Terminals für Kartenzahlungen Card-payment terminals offered to business customers for accepting card payments at the point of sale, supporting debit and credit card acceptance.
• Steuerdienstleistungen (Steuererklärung / eSteuerauszug) Tax declaration service from CHF 380 and an electronic tax data feed (eSteuerauszug) supporting the Swiss tax return process, with a 50% discount for Bankpaket PLUS customers.
• Finanz- und Vorsorgeberatung Advisory services covering Vermögens- & Bedarfsplanung, Vorsorgeberatung, Pensionierungsberatung, Erbschaftsberatung and Vorsorgeauftrag, delivered by certified advisors to private customers in the Schaffhausen region.

Quantifiable outcome

• ~CHF 1.8 billion assets under discretionary management
• +4 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability1 record

Feature8 records

Partnerships

Eleven partnerships are on record, tiered flagship — wealth-management product backbone, core — card processing and insurance backbone, core — mobile payments for retail and corporate, minor — sustainability partnership, core — property listing and lead-gen, core — youth ecosystem and cashback, transitional — being phased out, minor — regional sponsoring partner and core — banknote exchange mandate.

• Swisscanto (Swisscanto Fonds)flagship — wealth-management product backboneStrategic or Co-development PartnerSwisscanto funds power the Sparplan, Geschenksparplan, KB INVESTPLUS, KB INVESTPLUS ESG, KB INVESTINDEX and KB INVESTPREMIUM mandates. SHKB exposes three families: Portfolio Fund Committed (5 strategies — Relax/Select/Balance/Ambition/Focus), Sustainable line (Bond Sustainable Global Credit, Portfolio Sustainable Select/Balanced/Ambition, Equity Fund Sustainable), and Index Equity (Switzerland, Europe ex CH, World ex CH, Emerging Markets). SHKB does not use proprietary financial instruments — Swisscanto funds are an integral part of that independent product selection.
• Viseca Card Services SAcore — card processing and insurance backboneTechnology or IntegrationViseca issues the SHKB Kreditkarte (Bankpaket-Kreditkarte, Silber, Gold) and likely processes the Visa Debit portfolio. Provides the surprize bonus program, Priority Pass membership (Gold), and travel insurance coverage scaled by tier. Customer service is routed to Viseca (e.g., +41 58 958 84 00 for insurance questions, +41 58 958 69 50 for 24h card blocking). Versicherungsbedingungen and AGB are hosted on card-terms.ch.
• TWINT (Twint AG)core — mobile payments for retail and corporateTechnology or IntegrationTWINT enables customers to pay with a smartphone (SHKB TWINT) and merchants to accept TWINT payments via the Bankpaket BUSINESS account. Merchants register on twint.ch, choose an acceptance option (POS, online, self-service), and receive settlement on their SHKB business account. SHKB also offers TWINT Sicherheit guidance.
• Pro Natura Schaffhausenminor — sustainability partnershipGTM or Marketing Partner"Partnerschaft mit Pro Natura Schaffhausen" referenced from the Nachhaltigkeit page under "Junges Engagement für die Artenvielfalt im Siedlungsgebiet" — joint initiative for biodiversity in settlement areas.
• newhome.chcore — property listing and lead-genTechnology or Integrationnewhome.ch is integrated as the bank's real-estate marketplace (Immobilienvermarktung). Customers access property listings directly from SHKB's mortgage and Eigenheimsuche pages.
• Stu (Stucard / Stu App)core — youth ecosystem and cashbackGTM or Marketing PartnerVisa Debit Stu is co-branded with Stu to give Bankpaket JUGEND customers automatic Cashback at Stu partners across Switzerland and region-specific winter/summer deals. The Stu App is the discovery surface for deals and cashback tracking.
• CrontoSign Swiss (technology partner)transitional — being phased outTechnology or IntegrationCrontoSign Swiss (App and physical Device) was the SHKB E-Banking two-factor login. The bank is migrating customers to the new Mobile Banking App for E-Banking login over the coming months. Customers can still reactivate access or order a CrontoSign Device via dedicated forms.
• KSS Freizeitpark Schaffhausenminor — regional sponsoring partnerGTM or Marketing PartnerListed as a Heimvorteil partner offering regional discounts to Visa Debit cardholders.
• Stadttheater Schaffhausenminor — regional sponsoring partnerGTM or Marketing PartnerListed as a Heimvorteil partner offering regional discounts to Visa Debit cardholders.
• Kadetten Schaffhausenminor — regional sponsoring partnerGTM or Marketing PartnerListed as a Heimvorteil partner offering regional discounts to Visa Debit cardholders.
• Schweizerische Nationalbank (SNB)core — banknote exchange mandateOthersSHKB acts as a Partner-Agentur of the Swiss National Bank for exchanging recalled 6th and 8th series banknotes. Customers and non-customers can exchange up to CHF 10,000 at any branch, and larger amounts at the Schaffhausen HQ. Also accepts 8th-series notes at ATMs.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Thurgauer Kantonalbank (TKB): Direct peer: another mid-sized Swiss cantonal bank serving a similarly small-to-mid canton (Thurgau) with the same product mix of retail accounts, mortgages, in-house Vermögensverwaltung, EBICS, TWINT, and ESG investment solutions. Closest comparable in scale and business-model template.
• Glarner Kantonalbank (GLKB): Direct peer: one of Switzerland's smaller cantonal banks serving Canton Glarus, with a comparable product breadth (retail, corporate, mortgages, wealth management, E-Banking, TWINT) and similar regional-monopoly positioning. Highly comparable on scale.
• Appenzeller Kantonalbank (AKB): Direct peer: small Swiss cantonal bank serving the two Appenzell half-cantons, offering the same combination of retail accounts, mortgage lending, in-house wealth management, and ESG investment options. Similar headcount and asset scale to SHKB.
• Urner Kantonalbank (UKB): Direct peer: small Swiss cantonal bank (Canton Uri) operating with a near-identical business model — Kantonalbank mandate, retail and SME banking, in-house Vermögensverwaltung, mortgage origination. Closest size analog among the smallest Swiss cantonal banks.
• Banque Cantonale du Jura (BCJU): Direct peer: small French-speaking Swiss cantonal bank serving Canton Jura, with a comparable product portfolio of retail accounts, mortgages, wealth-management mandates, and ESG-aligned investment solutions. Useful cross-language benchmark for SHKB.
• Obwaldner Kantonalbank (OKB): Direct peer: small Swiss cantonal bank (Canton Obwalden) with a similar regional full-service model — retail, SME, mortgages, in-house wealth management, and digital banking channels. Comparable in scale and operating footprint.
• Nidwaldner Kantonalbank (NKBA): Direct peer: small Swiss cantonal bank (Canton Nidwalden) with an essentially identical business model — Kantonalbank mandate, retail/SME accounts, mortgages, Vermögensverwaltung, and digital channels — at similar headcount and asset scale.
• Basellandschaftliche Kantonalbank (BLKB): Direct peer: mid-sized Swiss cantonal bank (Canton Basel-Landschaft) with a similar full-service model — retail accounts, mortgages, in-house Vermögensverwaltung, ESG offerings — but operating at a slightly larger scale, useful as an \"aspirational\" benchmark for SHKB's growth path.

Broad incumbents

• Raiffeisen Schweiz (Raiffeisen Switzerland): Broad incumbent: Switzerland's largest retail-banking cooperative, with a regional-bank structure that competes head-on with cantonal banks in mortgage and deposit gathering. Not a direct structural peer, but the dominant non-universal-bank competitor for SHKB's retail, mortgage, and SME segments.
• PostFinance AG: Broad incumbent: Swiss federally owned retail bank with nationwide reach and the broadest branch network in Switzerland, competing with SHKB for retail deposits, payment accounts, and pension products across Canton Schaffhausen. Not a cantonal-bank peer but a structural competitor in every retail segment SHKB serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Schaffhauser Kantonalbank