Fürstlich Castell´sche Bank

What Fürstlich Castell´sche Bank does

Fürstlich Castell'sche Bank is a German private bank headquartered in Würzburg, founded in 1774 and continuously owned for 252 years by the noble houses Castell-Castell and Castell-Rüdenhausen. It serves private banking clients with investable assets of €250,000 or more through personalized advisory across 7 physical branches in Würzburg, Frankfurt, Munich, Nuremberg, Bamberg, Ulm, and Heilbronn, and extends to mass-market customers via the NeoPrivatbank digital platform starting at €50/month with no minimum wealth requirement.

The bank's product portfolio centers on Castell Vermögensverwaltung (active wealth management from €250,000, with individualized service from €2.5 million), a suite of six Castell Publikumsfonds mutual funds spanning multi-asset and equity strategies, and a range of savings and deposit products including Castell Festgeld, Castell Parkkonto, and the Castell Fondssparplan. Supporting services include Castell Immobilien (real estate) and Castell-Versicherungs-Dienst (insurance), both wholly-owned subsidiaries. Technology infrastructure is delivered through the TÜV-certified Castell Banking App, SecureGo plus biometric authentication, snapview video consultations, inSign electronic signatures, and the Atruvia AG core banking platform with PSD2-compliant XS2A APIs. The bank is a member of the Bundesverband deutscher Banken deposit guarantee scheme.

Revenue is generated through a mix of asset management fees on managed portfolios, interest income on lending products and deposit spreads, transaction and card fees, and subscription income from NeoPrivatbank. The 2025 annual report shows a balance sheet total of approximately €1 billion. The bank employs approximately 200 staff across more than 30 specialized departments, supported by a 20-person DialogFiliale phone advisory team. Recent strategic priorities have been digital democratization (NeoPrivatbank 2025), geographic expansion into Frankfurt and Munich, leadership refresh, and product diversification, all within a values-based, conservative governance model that explicitly rejects return-on-investment expectations from its owner families.

Name

Fürstlich Castell´sche Bank

Legal name

Fürstlich Castell'sche Bank, Credit-Casse AG

Website

https://castell-bank.de

Company type

Private

Founded year

1774

Operating status

Operating

Headcount range

251–500 employees

Short description

Fürstlich Castell'sche Bank is a 252-year-old German private bank owned by the Castell-Castell and Castell-Rüdenhausen noble families, serving HNW clients (€250,000+) through 7 branches in Germany and mass-market customers via the NeoPrivatbank digital platform from €50/month, with wealth management, mutual funds, and traditional banking services.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (52591), Depository Credit Intermediation (5221)

SIC

Investment Advice (6282)

akta.pro primary industry

High-Net-Worth (HNW) Private Banking (FSABADAB)

akta.pro secondary industries

Affluent / Mass-Affluent Private Banking (FSABADAC), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Private Banking & UHNW Wealth Advisory (FSAEABAC), Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)

Keywords

• Private banking services
• Wealth management solutions
• Asset management funds
• Corporate financing products
• Digital investment platform

Headquarters

HQ city

Würzburg

HQ country

Germany

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Management Fees: Fees from managing client assets through Castell Vermögensverwaltung (wealth management) and Castell Publikumsfonds (public funds). Minimum entry €250,000 for standard management, €2.5 million for individualized management.
2. Banking Transaction Fees: Account maintenance fees, transaction fees, and card issuance fees including girocard (€10/year), Mastercard ClassicCard (€33/year), and Mastercard GoldCard (€85/year).
3. Interest Income: Interest from lending products (Finanzierung) and credit facilities, as well as interest earned on customer deposits.
4. Term Deposits and Savings Products: Interest-bearing products including Castell Festgeld (up to 3.00% p.a.), Castell Parkkonto (up to 1.80% p.a.), and Castell LebensSchatz Konto. Income derived from spread between lending and deposit rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Fürstlich Castell'sche Bank is one of Germany's oldest private banks, offering traditional private banking, wealth management (Castell Vermögensverwaltung from €250,000), Castell Publikumsfonds mutual funds, savings and term deposit products, current accounts, Mastercard payment cards, corporate and real estate financing, real estate brokerage (Castell Immobilien), and insurance advisory. It operates a hybrid model: personal advisory through seven German branch locations for affluent clients plus the NeoPrivatbank digital platform starting at €50 per month for mass-market access.

Product overview

Fürstlich Castell'sche Bank is a traditional German private bank founded in 1774, organized as a unified product portfolio under its main brand with two distinct sub-brands: NeoPrivatbank (digital-first banking for mass market starting from 50 EUR monthly) and Castell Private Banking (premium advisory for clients with 250,000+ EUR). The core offering centers on Castell Vermögensverwaltung (wealth management from 250,000 EUR) and Castell Publikumsfonds (six mutual funds across multi-asset and equity categories). The banking services include savings products (Castell Festgeld up to 3%, Castell Parkkonto, Castell Fondssparplan from 50 EUR), current accounts (Castell Privatbankkonto, Castell Geschäftskonto, Castell Junge Leute Konto), credit cards (girocard Debit Mastercard, Mastercard Classic/Gold/Business), financing solutions, Castell Immobilien, and Castell Versicherungen. Digital services are delivered via OnlineBanking platform and Castell Banking App (TÜV-certified), with customer support through DialogFiliale. The bank operates through 7 physical locations in Germany.

Differentiator

Problem solved

Functional benefit

Brands

• NeoPrivatbank: Digital private bank offering wealth building services starting from 50 EUR monthly with digital solutions.
• Castell Private Banking
• Castell Publikumsfonds
• Castell StepInvest
• Castell Fondssparplan
• Castell Festgeld
• Castell Parkkonto
• Castell LebensSchatz Konto
• Castell NaturSchatz Konto
• DialogFiliale

Products and services

• Castell Vermögensverwaltung Professional wealth management with individualized investment strategies, long-term focus, and active portfolio management; minimum €250,000 for standard service, with individualized portfolio management from €2.5 million. For high-net-worth individuals across all asset classes.
• Castell Publikumsfonds Six mutual funds across multi-asset and equity categories: Castell Global Income Opportunities (defensive), Castell Global Opportunities (balanced), Castell Global Growth Opportunities (growth), Castell Aktien Global, Castell Aktien Europa, and Castell Digital Opportunities. Available to retail and private banking clients.
• Castell Festgeld Fixed-term deposit product offering up to 3.00% p.a. interest for reliable, planned savings. For retail and private clients seeking term deposit returns.
• Castell Parkkonto Notice deposit account (Kündigungsgeld) offering up to 1.80% p.a. for flexible short-term parking of funds. For retail and private clients.
• Castell Fondssparplan Systematic investment plan allowing regular investments in selected funds, starting from €50 monthly for long-term wealth building. For retail clients, including via NeoPrivatbank.
• Castell StepInvest Structured product combining an interest-bearing savings component (5.00% p.a. base rate on uninvested assets) with securities investment, with gradual market entry and cost-averaging. For retail clients seeking phased entry into capital markets.
• Castell LebensSchatz Konto Savings account focused on quality of life and long-term value preservation. For retail clients seeking stable savings.
• Castell NaturSchatz Konto Savings account combining financial investment with support for biodiversity projects. For retail and sustainability-oriented clients.
• Castell Privatbankkonto Premium current account package for high demands and payment transactions, includes free girocard Debit Mastercard. For private banking and affluent retail clients.
• Castell Junge Leute Konto Current account designed for young people starting their financial journey. For younger retail clients and students.
• Castell Geschäftskonto Business account for payments, cards, and digital solutions supporting business operations. For SME and corporate clients.
• girocard Debit Mastercard Debit card for worldwide cashless and contactless payments with 24-hour card blocking service; annual fee €10 (free with Castell Privatbankkonto). For personal account holders.
• Mastercard ClassicCard Credit card offering worldwide free cash withdrawals up to 36 times per card year; annual fee €33. For retail and private clients.
• Mastercard GoldCard Premium credit card with comprehensive insurance package; annual fee €85. For affluent retail and private banking clients.
• Mastercard BusinessCard Classic Business credit card with selected insurance package for company expense management. For SME and corporate account holders.
• Finanzierung (Lending) Financing solutions for private and business needs including real estate purchases, modernization, and business expansion. For individual and corporate borrowers.
• Castell Immobilien Real estate services including property acquisition, sales, rental, valuation, and exposure creation through subsidiary Castell Immobilien GmbH. For wealth management clients and private buyers/sellers.
• Castell Versicherungen Insurance advisory services provided through subsidiary Castell-Versicherungs-Dienst GmbH & Co. KG for life, property, and asset protection. For private and corporate clients.
• NeoPrivatbank Digital-first banking platform with no minimum wealth requirement, starting from €50 per month for systematic investment, with digital solutions and flexible accessibility. For mass-market retail clients seeking low-threshold access to private banking-grade investment services.
• Castell Private Banking Traditional private banking service targeting clients with minimum €250,000 in investable assets, offering personalized advisory and tailored financial solutions across all asset classes including succession and estate planning.
• Castell Banking App Mobile banking application for iOS and Android providing full financial overview, payment execution, photo transfer via Gini AI, Apple Pay and Android digital payments, and SecureGo plus biometric authentication; TÜV Saarland certified. For all retail and private banking clients.
• OnlineBanking Web-based banking platform for time- and location-independent financial management with multi-bank capability, intuitive operation, and SecureGo plus authentication. For retail and private banking clients.
• DialogFiliale Digital customer service center providing phone (0800 1774 777), video consultation via snapview, and contact form, staffed Monday to Friday 8am-8pm with a team of approximately 20. For all client segments.

Quantifiable outcome

• Successful 2024 business year with continued positive development, achieving strong results in the 250th anniversary year
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Atruvia AGcoreTechnology or IntegrationCore banking technology service provider supporting digital infrastructure, online banking, and XS2A interface implementation for third-party payment service providers. Technical partner for Berlin Group NextGen specification compliance.
• Gini GmbHcoreTechnology or IntegrationAI-powered document scanning service for photo transfer feature in Castell Banking App and invoice upload in OnlineBanking. Extracts payment data including recipient, IBAN, amount, and reference from photographed documents.
• snapviewcoreTechnology or IntegrationVideo communication platform for online advisory meetings enabling screen sharing between bank advisors and clients. Used for online consultations with encrypted transmission.
• inSign (by Athene Future)coreTechnology or IntegrationElectronic signature service capturing biometric data (writing speed, direction, pauses, pressure) for secure digital document signing. Used for contract finalization in banking processes.
• MastercardcoreTechnology or IntegrationCard network partner providing payment infrastructure for girocard Debit Mastercard, Mastercard ClassicCard, Mastercard GoldCard, and Mastercard BusinessCard Classic. Enables Apple Pay and digital payment capabilities.
• TÜV SaarlandminorOthersSecurity certification provider that verified the Castell Banking App and SecureGo plus app for secure communication and data protection standards.
• Castell Immobilien GmbHcoreOthersSubsidiary company handling real estate services including property acquisition, sales, rental services, valuation, and exposure creation. Supports wealth management clients with real estate asset needs.
• Castell-Versicherungs-Dienst GmbH & Co. KGcoreOthersInsurance subsidiary providing advisory services for personal, property, and wealth insurance. Offers pension and risk management services as part of comprehensive financial planning.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Quirin Privatbank: Berlin/Frankfurt-based German private bank offering wealth management, asset management, and corporate finance. Comparable as a mid-sized German private bank competing in the same HNW segment with similar fee-based Vermögensverwaltung offerings.
• Donner & Reuschel: Hamburg-based private bank (part of SIGNAL IDUNA Group) offering private banking, asset management, and corporate banking. Similar regional German private bank profile with HNW wealth management focus, comparable to Castell's traditional advisory-led model.
• Berenberg Bank: Hamburg-based German private bank founded 1590, offering private banking, wealth management, asset management, and corporate banking to HNW/UHNW clients. Closely comparable as one of Germany's leading family-rooted private banks serving similar clientele with a combination of traditional advisory and proprietary asset management products.
• Bethmann Bank (ABN AMRO): Frankfurt-based private bank part of ABN AMRO Group serving HNW/UHNW clients with wealth management, advisory, and family office services. Directly competes with Castell in the German HNW private banking space with comparable product scope including Vermögensverwaltung and proprietary funds.
• Bankhaus Lampe: Bielefeld-based German private bank focused on private banking, wealth management, and corporate banking for affluent families and Mittelstand companies. Comparable in scale, target clientele (German HNW families, succession planning), and traditional private banking product set.
• B. Metzler seel. Sohn & Co. (Metzler): Frankfurt-based German private bank owned by the Metzler family since 1674, focused on private banking, asset management, and capital markets. Directly comparable family-owned heritage, HNW private banking focus, and proprietary mutual fund offerings (Metzler Fonds) parallel to Castell's model.
• Weberbank: Berlin-based German private bank (part of Weberbank Actien- und Beteiligungsgesellschaft) serving affluent private clients and corporate customers with wealth management focus. Comparable mid-sized German private bank with similar product portfolio targeting HNW individuals.
• Hauck Aufhäuser Lampe: Frankfurt-based German private bank offering private banking, wealth management, asset management, and corporate banking. Comparable scale, domestic HNW focus, and full-service private banking proposition including proprietary fund products — a near-direct peer for Castell.

Broad incumbents

• Deutsche Bank Private Bank / Wealth Management: Germany's largest universal bank with a dedicated Private Bank and Wealth Management division serving affluent and HNW clients. Relevant as a broad incumbent competitor with overlapping capabilities (advisory, Vermögensverwaltung, funds, financing) across a much wider geographic and product footprint.

Emerging players

• Quirin Privatbank (Digital): Digital wealth management offerings (e.g., quirion) overlap with NeoPrivatbank's value proposition of democratized private banking access. Relevant as a competitor in the digital-first/mass-affluent segment that Castell's NeoPrivatbank is targeting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fuerstlich-castellsche-bank
• Instagraminstagram.com/fuerstlichcastellschebank
• Xx.com/CastellBank
• Facebookfacebook.com/castellbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries2 records

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 Fürstlich Castell´sche Bank