Bank Ten Cate & Cie

What Bank Ten Cate & Cie does

Bank Ten Cate & Cie N.V. is an independent, family-owned private bank headquartered in a canal house on Herengracht in Amsterdam, Netherlands, with operations tracing back to 1881 when Dirk Willem Brand founded D.W. Brand as a stock brokerage. The Ten Cate family acquired the firm from ABN AMRO in 1994 and subsequently grew the franchise through the acquisitions of Delta Lloyd private banking in 2010 and SNS private banking in 2013, making it the only private bank in the Netherlands owned by a single family. The bank operates under a full Dutch banking license supervised by De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM), with client deposits protected up to €100,000 under the Dutch Deposit Guarantee Scheme.

The bank serves high-net-worth individuals, families, entrepreneurs, former entrepreneurs, associations, foundations, and religious institutions with a minimum investable asset threshold of €1,000,000 and a dedicated Speciale Mandaten tier for clients with €5,000,000 or more. Its service offering centers on Vermogensbeheer (active wealth management) across strategic, tactical, and operational levels, supplemented by Vermogensplanning (financial and estate planning), Fiduciaire Dienstverlening (fiduciary investment services), and ancillary banking services including Effectenkrediet (securities credit), bank guarantees, and foreign dividend tax recovery. Distribution is conducted exclusively through 35 private bankers located throughout the Netherlands, with no self-service or digital-only channels, and clients access reporting through the Mijn Bank ten Cate & Cie online portal.

The revenue model is a subscription-based all-in fee structure with a cascade pricing schedule: 1.15% annually on the first €1,000,000 of portfolio value, declining in tiers to 0.20% on amounts above €25,000,000, with a minimum fee of €1,750 per quarter (excluding VAT). Fees are billed quarterly in arrears and cover management, safekeeping, and administration costs but exclude underlying fund costs, market spread costs, and taxes. The bank's go-to-market is relationship-driven through personal referrals, a quarterly Beursvisie magazine (now in its 40th year of publication), and dedicated private banker outreach, supported by approximately 71 total employees. The ownership structure is designed for generational continuity, with the Ten Cate family explicitly choosing sustainable growth over profit maximization.

Name

Bank Ten Cate & Cie

Legal name

Bank ten Cate & Cie N.V.

Website

https://banktencate.nl

Company type

Private

Founded year

1881

Operating status

Operating

Headcount range

101–250 employees

Short description

Bank Ten Cate & Cie is a family-owned independent Dutch private bank founded in 1881, headquartered in Amsterdam, serving high-net-worth individuals, families, entrepreneurs, and foundations with investable assets from €1 million through 35 private bankers across the Netherlands on a subscription-based all-in fee model.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Private banking services
• Wealth management
• Investment management
• Estate planning
• Fiduciary services

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Fees: The bank charges an all-in fee for wealth management services, calculated based on a cascade system where the percentage decreases as portfolio value increases. Fees are charged quarterly in arrears, calculated over the portfolio value at the end of each quarter. A minimum fee of €1,750 (excluding VAT) per quarter applies.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Bank ten Cate & Cie is an independent Dutch private bank that actively manages investment portfolios for high-net-worth individuals, families, entrepreneurs, and institutional clients through discretionary wealth management, custom mandates (for clients with €5M+), wealth planning, and fiduciary services. The bank operates under a full Dutch banking license, is supervised by De Nederlandsche Bank and AFM, and protects deposits up to €100,000 under the Dutch Deposit Guarantee Scheme.

Product overview

Bank ten Cate & Cie operates as an independent private bank offering a unified wealth management platform with multiple integrated service modules. The core offering consists of Vermogensbeheer (Wealth Management) and Speciale Mandaten (Custom Mandates for clients with €5M+), supplemented by optional modules including Vermogensplanning (Wealth Planning), Fiduciaire Dienstverlening (Fiduciary Services), and Overige Bankdiensten (Other Banking Services) such as Effectenkrediet (Securities Credit), Bankgarantie (Bank Guarantees), and Dividend Tax Recovery. The bank also publishes Beursvisie, its quarterly investment outlook magazine, and provides clients access to Mijn Bank ten Cate & Cie, a secure online portal for portfolio management and reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• Vermogensbeheer (Wealth Management) Core discretionary wealth management service in which Bank ten Cate & Cie actively manages client portfolios based on their wishes and objectives using a top-down investment process across strategic, tactical, and operational levels. Aimed at clients with investable assets starting from €1,000,000, charged via an all-in cascade fee billed quarterly in arrears.
• Speciale Mandaten (Custom Mandates) Custom portfolio management for clients with investable assets of €5,000,000 or more, offering fully tailored investment solutions aligned with personal preferences, risk tolerance, and specific requirements, deviating from standard investment profiles where needed.
• Vermogensplanning (Wealth Planning) Optional wealth planning service comprising financial planning for insight into current and future finances, and estate planning for wealth transfer to the next generation(s) with attention to tax optimization.
• Fiduciaire Dienstverlening (Fiduciary Services) Professional investment management service where securities are held at another bank or custodian institution, with Bank ten Cate & Cie providing advice on strategic asset allocation, instrument selection, and portfolio construction.
• Effectenkrediet (Securities Credit) A flexible credit facility using investment portfolios as collateral, offering immediate availability with interest charged only on amounts actually drawn, without additional costs such as policy fees or closing commissions.
• Bankgarantie & Bankverklaring (Bank Guarantee & Statement) Fast bank guarantees for real estate purchases or auction bids, and bank statements for establishing BV/NV companies or financial statements, typically arranged within 24 hours.
• Dividendbelasting Terugvordering (Foreign Dividend Tax Recovery) Service to reclaim excess foreign withholding tax on dividends received, with only external costs passed on to clients.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Bank Ten Cate & Cie