What bank zweiplus does

bank zweiplus ag is a Zürich-headquartered Swiss bank, founded in 2008 as a 100% subsidiary of Bank J. Safra Sarasin AG (itself part of the J. Safra Sarasin Group). The firm operates exclusively as a B2B2C custody and execution platform, serving registered Swiss financial advisors (Finanzberater) and independent Swiss wealth managers (Vermögensverwalter), with end-customer access routed through those partner channels. It is FINMA-supervised, an esisuisse member, and offers deposit protection up to CHF 100,000 per depositor. The bank expanded its footprint to German residents through four dedicated products (Schweizer Vermögensdepot, Vermögensrente, Alpendepot, Fondsdepot) and also operates the 'cash – banking by bank zweiplus' direct retail sub-brand.

The product portfolio spans three Swiss core pillars: the Wertschriftendepot (securities custody with trading access to 30+ global exchanges supporting equities, bonds, options, structured products, derivatives, ETFs, and funds across four order types), the Investment Depot (broad fund/ETF/structured-product universe with savings and withdrawal plans), and the registered-trademarked Multimanager-Strategien zweiplus® — multi-manager portfolios across Conservative, Balanced, and Growth risk profiles managed by Aquila Asset Management AG, Bank J. Safra Sarasin AG, Rieter Fischer Partners AG, and Vontobel Asset Management AG under identical guidelines to enable transparent performance comparison. The technology layer comprises desktop e-banking and Mobile-Banking, a partner-only Webshop, automatic fee calculation, and full retrocession pass-through to clients. A Private Label offering allows other institutions to license the platform and regulatory stack.

Revenue mechanics are diversified across four streams: recurring custody and wealth management fees on securities accounts, transactional brokerage commissions across 30+ exchanges, recurring Multimanager-Strategien management and platform fees, and Private Label licensing/royalty income. Pricing is not publicly disclosed but investment minimums are visible: one-time investments from CHF 10,000, savings plans from CHF 100/month, and withdrawal plans from CHF 50,000 with CHF 500 minimum draws. Distribution is hybrid — partner-led (B2B2C) for the core Swiss advisor channel and direct-to-consumer digital banking via the cash sub-brand — supported by a dedicated toll-free partner line, Profinews partner communications, events including an Investment Forum, and editorial content through cash.ch. The firm is privately held, has 101–250 employees, and is led by CEO Markus Aisslinger.

Name

bank zweiplus

Legal name

bank zweiplus ag

Website

https://bankzweiplus.ch

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

bank zweiplus is a Zürich-based Swiss bank and 100% subsidiary of Bank J. Safra Sarasin AG that operates as a B2B2C custody and execution platform for registered Swiss financial advisors, independent wealth managers, and German cross-border investors, offering securities trading, investment products, and multi-manager strategies.

Ownership category

akta.pro rank

Product category

Banking and Wealth Management Services

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

Keywords

• Securities custody services
• Wealth management platform
• B2B banking infrastructure
• Multi-manager investment strategies
• Private label banking services

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Securities Custody and Management Fees: Revenue generated from custody and account management fees charged on securities accounts (Wertschriftendepot, Investment Depot). The bank also charges management fees for wealth management mandates and structured products.
2. Brokerage and Transaction Fees: Commissions earned on securities trading executed through the bank's e-banking platform across 30+ global exchanges. Order types include Bestens (market orders), Limit, Stop Loss, and Stop Loss Limit orders.
3. Multimanager Strategy Fees: Management and platform fees from the Multimanager-Strategien zweiplus product, where multiple external asset managers manage client assets under identical investment guidelines. Retrozessions are passed through to clients transparently.
4. Private Label Arrangements: Revenue from white-label banking arrangements where other financial institutions use bank zweiplus infrastructure, licensing the bank's banking platform and regulatory capabilities under Private Label.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

bank zweiplus is a Swiss bank operating as a B2B / B2B2C banking platform that provides securities custody, brokerage access to 30+ global exchanges, and structured investment products (including the trademarked Multimanager-Strategien zweiplus® and a broad Investment Depot fund universe) to registered Swiss financial advisors, independent wealth managers, and—via Private Label and the cash sub-brand—retail customers in Switzerland and Germany. The bank does not lend directly to end clients; it earns fees and commissions on custody, trading, and asset management, and processes transactions through Bank J. Safra Sarasin AG infrastructure under its own FINMA-regulated Swiss banking license.

Product overview

Bank zweiplus is a Swiss bank and subsidiary of Bank J. Safra Sarasin AG offering a comprehensive portfolio of wealth management and securities products. The core offering consists of the Investment Depot and Wertschriftendepot for custody and trading, alongside the Multimanager-Strategien zweiplus providing multi-manager investment strategies across Conservative, Balanced, and Growth profiles managed by four external investment experts. The company serves both Swiss and German customers with specialized products including the Schweizer Vermögensdepot, Schweizer Vermögensrente, Schweizer Alpendepot, and Schweizer Fondsdepot for the German market. Digital services include e-banking (desktop and mobile) and the cash - banking by bank zweiplus sub-brand combining financial news with banking services. The company also offers Private Label banking solutions and a Partner Webshop for distribution partners.

Differentiator

Problem solved

Functional benefit

Brands

• cash: cash – banking by bank zweiplus offers a comprehensive securities investment and wealth management offering, combining independent editorial news with online and mobile banking and personal support.

Products and services

• Investment Depot An investment depot for Swiss clients providing access to a broad universe of Swiss-approved investment funds, ETFs/ETPs, AMCs, and structured products (open-end and listed only). Supports one-time investments (minimum CHF 10,000) as well as recurring Aufbauplan savings plans (with or without target sum) and Entnahmeplan withdrawal plans for systematic investing and decumulation. Used by Swiss financial advisors and wealth managers to construct, hold, and manage client fund portfolios.
• Wertschriftendepot (Securities Custody) A securities custody depot providing global trading access to more than 30 exchanges through e-banking for stocks, bonds, options, structured products, derivatives, ETFs, and funds. Supports four order types (Bestens/market, Limit, Stop Loss, Stop Loss Limit) with transparent custody and management fees and automatic calculation and collection of advisory and management fees. Built for Swiss financial advisors and wealth managers serving retail and high-net-worth clients.
• Multimanager-Strategien zweiplus A registered-trademark multi-manager investment strategy product offering three risk profiles (Conservative / Konservativ, Balanced / Ausgewogen, Growth / Wachstum) managed in parallel by four independent asset management firms (Aquila Asset Management AG, Bank J. Safra Sarasin AG, Rieter Fischer Partners AG, and Vontobel Asset Management AG) under identical investment guidelines and fee structures. Designed to give clients transparent, apples-to-apples performance comparison across managers and access to a sustainability / ESG variant.
• e-banking (Desktop) and Mobile-Banking Bank zweiplus's online and mobile banking platform, offering separate experiences for private customers (Privatkunden) and for partner financial advisors / wealth managers (Partner-e-banking with depot overviews for partners and their clients and real-time portfolio data). Customers can execute securities orders and access account information through desktop and mobile.
• cash – banking by bank zweiplus The retail-facing sub-brand of bank zweiplus, pairing independent editorial financial journalism from cash.ch with online and mobile banking services and personal advisory support. Targets self-directed Swiss investors seeking 'informative banking' with competence, simplicity, and independence.
• Schweizer Vermögensdepot A wealth depot product designed for German-resident customers, providing Swiss securities custody and investment management services with German-language tax documentation support.
• Schweizer Vermögensrente A Swiss wealth pension product for German-resident customers providing retirement-focused investment solutions structured to address German tax reporting requirements.
• Schweizer Alpendepot A Swiss Alpine depot product for German-resident customers offering access to Swiss securities markets through a dedicated German-market custody and investment solution.
• Schweizer Fondsdepot A Swiss fund depot product for German-resident customers providing custody of Swiss-licensed investment funds and related fund investments for German tax residents.
• Private Label (White-Label Banking) A white-label banking offering allowing partner financial institutions to deliver bank zweiplus's banking and brokerage products and services under their own brand, leveraging bank zweiplus's FINMA-regulated Swiss banking license, technology platform, custody, and execution infrastructure.

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Aquila Asset Management AGcoreStrategic or Co-development PartnerAquila Asset Management AG is one of four independent investment experts managing assets under the Multimanager-Strategien zweiplus® product across Konservativ, Ausgewogen, and Wachstum strategies. They have been an investment expert in the program since 15 December 2009 (CHF) / 19 March 2010 (EUR).
• Rieter Fischer Partners AGcoreStrategic or Co-development PartnerRieter Fischer Partners AG is one of four independent investment experts managing assets under the Multimanager-Strategien zweiplus® product, available for Ausgewogen and Wachstum strategies. Active in the program since 15 December 2009 (CHF) / 19 March 2010 (EUR).
• Vontobel Asset Management AGcoreStrategic or Co-development PartnerVontobel Asset Management AG is one of four independent investment experts managing assets under the Multimanager-Strategien zweiplus® product across Konservativ, Ausgewogen, and Wachstum strategies. Active in the program since 1 June 2011.
• esisuisseminorOthersbank zweiplus ag is a member of esisuisse, the Swiss deposit insurance scheme, as required of all Swiss banks and securities dealers. Customer deposits at Swiss branches are insured up to CHF 100,000 per customer under Swiss law.
• cash.chminorGTM or Marketing Partnerbank zweiplus operates the 'cash - banking by bank zweiplus' brand, which combines editorial financial news from cash.ch with online and mobile banking services. This co-branding arrangement targets retail investors with 'informative banking' combining independent financial journalism with banking services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Regional players

• PostFinance AG: Switzerland's fifth-largest bank and a major retail banking platform operated under federal mandate. Comparable in Swiss retail and digital banking footprint, but state-owned with a much broader mass-market remit.
• VP Bank AG: Liechtenstein-headquartered private bank with a Swiss presence, focused on intermediated wealth management. Comparable in serving external wealth managers with custody and execution services, though with a different domicile and product mix.
• Bank Cler AG: Swiss digital retail bank (formerly Bank Coop) serving retail and small-business customers with online and mobile banking. Comparable in Swiss digital-banking focus, though without bank zweiplus's B2B-partner channel.
• Hypothekarbank Lenzburg AG: Swiss regional bank known for digital-first and platform-banking initiatives, including offering banking-as-a-service to fintechs. Comparable as a mid-sized Swiss bank pursuing a platform/embedded strategy, though smaller and more retail-tilted.

Broad incumbents

• Bank Julius Bär & Co. AG: Major Swiss private bank with global wealth management, custody, and trading capabilities. Comparable as a full-service Swiss bank serving intermediaries and private clients, with significantly greater scale and a more international footprint.
• Interactive Brokers Group: Global electronic broker providing multi-asset custody and execution across dozens of exchanges. Comparable in trading infrastructure and breadth, but much larger and not a Swiss-bank subsidiary serving a niche intermediary channel.
• Vontobel Holding AG: Swiss private bank and asset manager with wealth management, multi-manager capabilities, and structured products. Comparable as one of the four Multimanager-Strategien partners and a broader Swiss wealth competitor.

Direct peers

• Saxo Bank A/S: Danish-headquartered multi-asset broker and custodian serving both retail and white-label/B2B partners globally. Closely comparable to bank zweiplus's combination of multi-exchange execution, custody, and Private Label/white-label B2B services.
• Swissquote Bank AG: Swiss online bank and broker offering custody, multi-exchange trading, and savings/investment products to retail and intermediary clients. Direct competitor for the Wertschriftendepot-style offering, with broader retail brand and larger scale.

Others

• Avaloq Group AG (NEC): Swiss-headquartered banking software and platform provider (now owned by NEC) supplying core banking, wealth, and BaaS technology to banks and wealth managers. Comparable as a BaaS/platform enabler, though as a technology vendor rather than a regulated bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bank-zweiplus-ag

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 bank zweiplus