What Bank EKI does

Bank EKI is a Swiss regional cooperative bank (Genossenschaft) headquartered in Interlaken, founded in 1852 as the Ersparniskasse des Amtsbezirks Interlaken. The bank serves retail and business customers across the Jungfrau Region through four physical branches (Interlaken, Grindelwald, Lauterbrunnen, Wilderswil) supplemented by an ATM network including locations at Interlaken Ost train station and Schilthornbahn station in Mürren. The institution employs approximately 80 staff and is owned by its cooperative members (Genossenschafter) who hold Anteilscheine (cooperative shares).

The bank's product portfolio spans six pillars: savings (Steinbockkonto, Sparkonto, EKI Sparplan), payments (Digital Banking platform, EKI TWINT App, Debit Mastercard, credit and prepaid cards, fee-free Spesenfreies Privatkonto), investing (EKI Portfolios with 10 strategies from 0% to 100% equity allocation with a CHF 50,000 minimum, Vermögensverwaltung discretionary asset management, Kassenobligationen), financing (mortgages including variable, fixed, rollover, and mix models, EKI Bonus-System rate discounts, EKI Solardarlehen solar loans), pension planning (Vorsorgekonto 3a, Freizügigkeitskonto, life insurance), and insurance brokerage across personal and business lines. Technology infrastructure centers on a proprietary unified Digital Banking platform combining web E-Banking and Mobile Banking App with two-factor authentication, alongside the EKI TWINT mobile payment application and a proprietary portfolio management system underlying EKI Portfolios.

Revenue is generated through five streams: net interest income from mortgage and consumer lending (subscription/recurring); transaction and account fees (with the Spesenfreies Privatkonto as a deliberate fee waiver differentiator); commissions from investment advisory, execution-only services, and EKI Portfolios wealth management; insurance brokerage commissions across life, property, motor, legal protection, and cyber lines; and recurring fees on Pillar 3a and retirement products. Distribution combines sales-led advisory at branches with direct-to-consumer self-service via digital channels. The go-to-market relies on local community presence, sponsorship of regional sports and cultural organizations, referrals from existing members, and an email newsletter, all anchored by 170+ years of regional brand equity in a defined Swiss catchment.

Name

Bank EKI

Legal name

Bank EKI Genossenschaft

Website

https://bankeki.ch

Company type

Private

Founded year

1852

Operating status

Operating

Headcount range

51–100 employees

Short description

Bank EKI is a Swiss regional cooperative bank founded in 1852, headquartered in Interlaken, serving retail and small business customers in the Jungfrau Region through four branches and a digital banking platform. It offers savings, payments, mortgages, wealth management, pensions, and insurance brokerage.

Ownership category

akta.pro rank

Product category

Regional Cooperative Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Regional cooperative banking
• Retail banking services
• Mortgage lending
• Wealth management
• Business banking services

Headquarters

HQ city

Interlaken

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from mortgage lending (residential and commercial properties), personal loans, and credit facilities. The bank offers various mortgage models including variable, fixed, rollover, and mix mortgages.
2. Account and Transaction Fees: Fee income from payment services, account management, and transaction processing. The bank offers spesenfrei (fee-free) accounts as a competitive differentiator.
3. Investment and Wealth Management: Commission and fee income from portfolio management services (EKI Portfolios), investment advisory, execution-only services, and securities trading.
4. Insurance Brokerage: Commission income from insurance brokerage services for private and business customers, including life insurance, property insurance, motor insurance, legal protection, and cyber insurance.
5. Pillar 3a and Retirement Products: Fees and interest income from pension products including Vorsorgekonto 3a, Freizügigkeitskonto, and life insurance products for retirement planning.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Bank EKI is a regional Swiss cooperative bank headquartered in Interlaken providing comprehensive retail and business banking services. It offers savings accounts, payment services, digital banking, investment and wealth management, residential and commercial mortgages, pension planning (pillar 2 and 3a), and insurance brokerage to private and business customers across four branches in the Jungfrau Region.

Product overview

Bank EKI is a regional Swiss cooperative bank headquartered in Interlaken, operating since 1852. The bank offers a comprehensive suite of banking products organized around six core service pillars: Sparen (Savings) including Steinbockkonto, Sparkonto, EKI Sparplan, and Vorsorgekonto 3a; Zahlen (Payments) featuring Digital Banking, EKI TWINT App, Debit Mastercard, credit cards, and prepaid cards; Anlegen (Investing) with EKI Portfolios (ten strategies from conservative to aggressive), Vermögensverwaltung, Kassenobligationen, and Anteilschein; Finanzieren (Financing) including Hypothekarmodelle, EKI Bonus-System, and EKI Solardarlehen; Vorsorgen (Pension Planning) with pillar 3a solutions, Freizügigkeitskonto, and life insurance products; and Versichern (Insurance) offering private and occupational insurance through independent brokerage. The bank serves both retail and business customers across multiple branch locations in the Jungfrau region.

Differentiator

Problem solved

Functional benefit

Products and services

• Steinbockkonto (Plus) A savings account offering competitive interest rates for customers in the Interlaken region, available as a standard or Plus variant.
• Sparkonto / 60 plus A savings account tailored for customers aged 60 and above, offering favorable interest conditions.
• EKI Sparplan An investment savings plan allowing customers to invest account balances into funds to build long-term wealth, available with optional withdrawal plans.
• EKI Entnahmeplan A withdrawal plan linked to the EKI Sparplan, enabling systematic withdrawals from accumulated investments.
• Vorsorgekonto 3a A tax-advantaged pension savings account (pillar 3a) for retirement savings with tax deduction benefits.
• Freizügigkeitskonto A pension transfer account for receiving pension fund assets when changing employers, offering favorable interest rates.
• Digital Banking (E-Banking) Online and mobile banking platform providing 24/7 access to accounts, payments, and financial management with a unified web and app experience and two-factor authentication.
• EKI TWINT App A mobile payment application enabling convenient contactless payments via smartphone with direct account connection.
• Debit Mastercard A debit card for online purchases, subscriptions, and direct account debits with full cost control and fee-free usage; cyber insurance included free with the card.
• Kreditkarten Credit card offerings for domestic and international payments.
• Travel Prepaidkarte A prepaid travel card for secure currency management during international travel.
• Life Prepaidkarte A prepaid card for daily spending and budgeting management.
• Privatkonto / 60+ A current account for private customers, including a variant with special conditions for customers aged 60 and above.
• Euro-Konto A foreign currency account denominated in euros for international transactions.
• Fremdwährungskonto A multi-currency account supporting various foreign currencies for international business and travel.
• EKI Portfolios A discretionary wealth management service offering ten investment strategies (Unspunnen, Rugen, Niederhorn, Harder, Schilthorn, Jungfrau, Silberhorn, Lauberhorn, Eiger, Mönch) with equity allocations ranging from 0% to 100%, available from a CHF 50,000 minimum investment.
• Vermögensverwaltung Professional asset management service for growing and preserving client wealth.
• Kassenobligationen Bonds with fixed interest rates guaranteed for the entire investment term.
• Anteilschein Bank EKI A cooperative share allowing customers to participate in the bank's development as regional cooperative members.
• EKI Bonus-System An interest discount program for residential mortgages offering attractive rate reductions for home buyers.
• Hypothekarmodelle Mortgage products including variable rate, fixed rate, rollover, and mix mortgages for residential property financing.
• EKI Solardarlehen A solar loan product supporting investments in renewable energy systems.
• Vorsorgepolice 3a A pillar 3a insurance policy alternative to savings accounts for retirement planning.
• Lebensversicherungen Life insurance products including withdrawal plans, life annuities, mixed insurance, survival insurance, disability insurance, and death benefit insurance.
• Private Versicherungen Personal insurance products including motor vehicle, building, legal protection, cyber, personal liability, and household insurance.
• BVG Basis- und Zusatzplan Occupational pension (2nd pillar) base and supplementary plans for businesses and their employees.
• Gewerbeliegenschaften Commercial real estate financing for businesses including various mortgage structures.
• Betriebskredit Business credit facilities for ensuring liquidity in commercial operations.
• Tresorfach mieten Safe deposit box rental service for secure storage of valuables, documents, and precious items.

Quantifiable outcome

• Customer satisfaction survey participation: 5,000+ responses since 2006
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PostFinance: Major Swiss retail and payments bank owned by the Swiss Post, with nationwide account, payment, mortgage, and investment offerings. Comparable product breadth and Swiss retail customer focus, but vastly larger scale and direct competition for Bank EKI's deposit and payment customers.
• UBS Switzerland: Switzerland's largest universal bank offering full retail, wealth, mortgage, and investment banking services nationwide. Comparable product portfolio but at vastly larger scale; competes with Bank EKI for high-net-worth clients in the Jungfrau region.

Direct peers

• Raiffeisen Schweiz: Switzerland's largest cooperative banking group with member-owned structure and local Raiffeisenbanken serving regional Swiss communities. Directly comparable to Bank EKI on cooperative ownership model, retail/community banking focus, and regional Swiss franchise model, though at much larger national scale.
• Hypothekarbank Lenzburg: Independent Swiss regional bank with a long history (founded 1868), focused on retail, mortgages, and wealth management in the Aargau region. Closely comparable to Bank EKI as a small-to-mid regional Swiss bank with mortgage-heavy book and local advisory model.
• Migros Bank: Swiss retail bank owned by the Migros cooperative, providing deposits, mortgages, investments, and pensions to retail customers nationwide. Comparable on cooperative ownership, retail focus, and fee-conscious Swiss retail banking positioning.
• Valiant Bank: Swiss regional bank focused on retail and SME customers across cantons including parts of Bern. Comparable regional-cooperative heritage (origins in Bernese cooperative banks), similar product suite (deposits, mortgages, advisory), and direct competition for Jungfrau-region customers.
• Bank Cler (formerly Bank Coop): Swiss retail bank with cooperative origins (founded by Coop), offering deposits, mortgages, and advisory services. Comparable cooperative heritage and retail/community banking positioning to Bank EKI, though serving a broader Swiss geography.
• Berner Kantonalbank (BEKB): Cantonal bank for the Canton of Bern, including the Jungfrau Region where Bank EKI operates. Direct regional competitor with overlapping branch presence, similar retail and SME banking offerings, and a cantonal guarantee that differentiates it on funding cost.

Regional players

• Glarner Kantonalbank: Regional cantonal bank serving Canton Glarus with retail, mortgage, and SME banking services. Comparable as a small regional Swiss bank with cantonal guarantee and similar product suite to Bank EKI, but operating in a different geography.
• Graubündner Kantonalbank (GKB): Regional cantonal bank serving Canton Graubünden, with strong retail, mortgage, and wealth management offerings in an alpine tourism region. Comparable as a Swiss regional bank with tourism-adjacent customer base and similar mountain-region product mix to Bank EKI.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks3 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bankeki1852
• LinkedInlinkedin.com/company/bank-eki-genossenschaft

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 EKI