BANQUE CANTONALE DU JURA

What BANQUE CANTONALE DU JURA does

Banque Cantonale du Jura (BCJ) is a Swiss cantonal bank headquartered in Porrentruy and operating under public law with the explicit state guarantee of the Canton of Jura (Garantie de l'État). It functions as the universal bank for the canton, serving three primary segments - individuals and households, small and medium enterprises, and associations and clubs - plus a youth segment aged 12-24, distributed through a network of branches and ATMs across the Jura canton and complemented by digital channels.

BCJ's product platform is built around the ePACK family of bundled retail banking packages (ePACK Start, Débit, Argent, Or, VIP) that combine current and savings accounts, debit and credit cards (Mastercard/Visa), and digital services. The bank layers a specialized mortgage range (JuraFamille, JuraFixe, SARON, JuraEco, JuraConstruction, JuraVariable) on top, with mortgages of CHF 3.4B representing the dominant share of its CHF 4.8B balance sheet at H1 2026. Investment and pension offerings include proprietary Fonds BCJ, the ePLAN pillar 3a plan, Obligations de caisse, Bourse en ligne, and discretionary/advisory mandates. Corporate banking spans ePACK Entreprise, liquidity management, forex and precious-metals operations, investment and construction credit, leasing, and bank guarantees, supplemented by the Boost PME sustainability-transition programme run in partnership with i-moutier. Digital infrastructure comprises BCJ-Net web banking, BCJ Mobile Banking on iOS/Android, the BCJ Access security app, BCJ TWINT for mobile payments, and integration with the Viseca One card-management portal; cards also tap the cross-cantonal Banques Cantonales ATM network. The bank operates its own Club BCJ loyalty programme with Jura Tourisme covering 150+ leisure activities.

BCJ's revenue model is anchored in net interest income (CHF 32.8M in H1 2026, +18% year-on-year) on the mortgage book, complemented by transaction fees on ePACK packages, card interchange, securities trading, and corporate treasury services, plus distribution revenue on proprietary investment and pension products. The bank is owned primarily by the Canton of Jura as a public-law institution with a retail shareholder base, is regulated under Swiss cantonal banking law, and lists on SIX under the symbol BCJ. Strategic priorities evidenced in 2024-2026 include youth customer acquisition, card-product enrichment (free insurance bundles, EUR business card), SME sustainability support, and continuous digital channel deepening, with no M&A or geographic expansion beyond the Canton of Jura.

Name

BANQUE CANTONALE DU JURA

Legal name

Banque Cantonale du Jura

Website

https://bcj.ch

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

101–250 employees

Short description

Banque Cantonale du Jura (BCJ) is a Swiss cantonal bank serving individuals, SMEs, associations, and youth across the Canton of Jura through branches, digital banking, mortgages, investment products, and corporate services, backed by the canton's state guarantee.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Mortgage lending
• Wealth management
• Corporate banking
• Investment funds

Headquarters

HQ city

Porrentruy

HQ country

Switzerland

HQ region

Europe

Offices1 record

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. Net Interest Income: Interest earned on loans (primarily mortgages) minus interest paid on deposits. Primary revenue driver; grew 18% to CHF 32.8 million in H1 2026, driven by lower loan loss provisions. Mortgage claims of CHF 3.4 billion represent the core asset base.
2. Banking Fees and Commissions: Fees from account management (ePACK packages), card transactions, securities trading (Bourse en ligne), investment services (Fonds BCJ, mandates), and corporate services such as liquidity management, forex operations, and precious metals trading.
3. Investment Products Distribution: Revenue from distribution of proprietary funds (Fonds BCJ), savings plans (ePLAN, ePLAN 3a), wealth management mandates (mandat de gestion, mandat de conseil), and insurance prevoyance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Banque Cantonale du Jura is the universal cantonal bank for the Canton of Jura in Switzerland, operating under public law with the explicit guarantee of the Canton. It sells retail and corporate banking products through bundled ePACK account packages, a dedicated mortgage portfolio (CHF 3.4 billion), investment funds and asset-management mandates, pension/prevoyance solutions, payment cards, and corporate services including treasury, forex, precious metals, leasing, and bank guarantees. Distribution combines physical branches throughout the canton with web/mobile banking and the Swiss cantonal-bank ATM network.

Product overview

BANQUE CANTONALE DU JURA (BCJ) is a regional cantonal bank offering a comprehensive banking platform with multiple bundled product lines. The core offering centers on the ePACK family of banking packages (ePACK Start, ePACK Débit, ePACK Argent, ePACK Or, ePACK VIP) which combine accounts, cards, and digital banking services. Supporting this, BCJ provides specialized mortgage products (JuraFamille, JuraFixe, SARON, JuraEco, JuraConstruction, JuraVariable), investment services (Fonds BCJ, ePLAN, Obligations de caisse, Bourse en ligne, Mandat de gestion, Mandat de conseil), retirement planning (ePLAN 3a, Epargne 3a, Libre-passage), and business services (Boost PME program, corporate accounts, cash management). Digital channels include BCJ-Net online banking, BCJ Mobile Banking, BCJ TWINT, and Club BCJ loyalty program with over 150 partner activities.

Differentiator

Problem solved

Functional benefit

Brands

• ePACK: Digital banking pack offering various account, card, and insurance options in multiple tiers (Start, Débit, Argent, Or, VIP).
• Club BCJ
• JuraFamille
• JuraFixe
• JuraEco
• JuraConstruction
• JuraVariable
• SARON
• BCJ Mobile Banking
• BCJ TWINT
• BCJ Access
• Fonds BCJ

Products and services

• ePACK Start Free banking package for young people aged 12-24, including a revenue account, savings account, Debit Mastercard, Mobile Banking with e-Document, TWINT, Club BCJ membership, and a CHF 100 sign-up bonus.
• ePACK Débit 100% free digital banking pack for individuals featuring a personal account, savings account, Debit Mastercard, Mobile Banking, e-Document, and Club BCJ membership.
• ePACK Argent 100% digital banking package including a Debit Mastercard and World Mastercard Argent credit card with 'best price guaranteed' purchase protection coverage.
• ePACK Or Premium digital banking package including a Debit Mastercard and up to two World Mastercard Or credit cards, plus Priority Pass access to 1,600+ airport lounges.
• ePACK VIP Premium full-service banking package with up to 2 Debit Mastercards, up to 5 credit cards (Visa Platinum and World Mastercard Or), Priority Pass with concierge, free Zurich airport parking, full insurance coverage, and Club BCJ membership.
• JuraFamille mortgage Family mortgage for purchasing or building a primary residence with advantageous conditions and step-by-step support.
• JuraFixe mortgage Fixed-rate mortgage product for stable rate commitments over a defined term.
• SARON mortgage SARON-indexed mortgage product whose rate is linked to the Swiss Average Rate Overnight (SARON).
• JuraEco mortgage Eco-friendly mortgage supporting sustainable construction and energy-efficient renovation projects.
• JuraConstruction credit Construction credit for building projects, supporting staged disbursement during construction.
• JuraVariable mortgage Variable-rate mortgage with flexible rate adjustments over time.
• Fonds BCJ Proprietary investment funds managed by BCJ for client wealth accumulation.
• ePLAN Digital investment product enabling online subscription and management of BCJ investment solutions.
• ePLAN 3a Digital pillar 3a retirement savings plan providing tax-advantaged retirement savings with flexible contribution options.
• Obligations de caisse Issuer bonds (caisse bonds) offering fixed returns for investors over a defined term.
• Bourse en ligne Online trading platform for securities and investment products.
• Mandat de gestion Discretionary asset-management mandate with professional portfolio management on the client's behalf.
• Mandat de conseil Advisory mandate providing personalized investment guidance and recommendations to clients.
• Club BCJ Loyalty programme offering BCJ card holders exclusive discounts and access to over 150 leisure activities in the Jura region.
• ePACK Entreprise Bundled business banking package for SMEs and corporate clients, including transaction accounts, business cards, and digital services.
• Comptes de transactions (business) Business transaction accounts for corporate clients to manage operating cash flows.
• Opérations sur devises Corporate foreign-exchange trading and hedging services for business clients.
• Opérations sur métaux précieux Corporate precious metals trading services for business clients.
• Placements monétaires Money-market investment placements for corporate treasury management.
• Prêt hypothécaire (commercial) Commercial mortgage loans for businesses acquiring or refinancing real estate.
• Crédit de construction (commercial) Commercial construction credit for businesses undertaking building projects.
• Crédit d'investissement Commercial investment credit for financing business expansion, equipment, or projects.
• Crédit d'exploitation Commercial operating credit for managing working capital and short-term financing needs.
• Leasing Leasing solutions for businesses acquiring equipment, vehicles, or other productive assets.
• Garantie bancaire Bank guarantees issued to support corporate clients in tenders, contracts, and counterparty transactions.
• Programme Boost PME SME acceleration program in partnership with i-moutier supporting local small businesses with sustainable-transition expertise and advisory services.
• ePACK Association Bundled banking package for associations and clubs, including accounts, business cards, and digital services.
• Compte Club Specialized checking and savings account for associations and clubs, available in CHF and EUR.
• Carte DMC Business CHF Debit Mastercard Business for Swiss-franc transactions, offering worldwide cashless payments and free ATM access inside the Cantonal Bank network.
• Carte DMC Business EUR Debit Mastercard Business for euro transactions, enabling direct EUR payments without currency-conversion risk; annual fee of CHF 50.
• Compte épargne Bonus Savings account paying a +0.10% bonus on its base interest rate when the balance increases by CHF 3,000 or more in a year.
• Compte épargne actionnaire Shareholder savings account offering preferential interest rates and voting rights as a BCJ shareholder.
• Offre assurance Debit Mastercard Complimentary insurance package for Debit Mastercard holders covering smartphone/tablet damage, rental vehicle deductible, fraudulent offers, and non-compliant deliveries.
• BCJ Mobile Banking Mobile banking application for iOS and Android enabling transactions and banking operations from anywhere.
• BCJ TWINT Swiss mobile payment solution for instant peer-to-peer money transfers and in-store payments via smartphone.
• BCJ-Net online banking Web-based online banking platform for secure account management, transactions, and digital banking services.

Quantifiable outcome

• Net profit of CHF 9.0 million in H1 2026, up slightly from CHF 8.9 million in H1 2025
• +4 more outcomes

Named customers4 records

Segments4 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

Feature9 records

Partnerships

Six partnerships are on record, tiered core.

• Jura TourismecoreGTM or Marketing PartnerBCJ partners with Jura Tourisme for the Club BCJ loyalty programme, which offers card holders exclusive discounts and activities at local Jura leisure partners. This partnership enables BCJ to offer over 150 leisure activities across the canton, differentiating it from other Swiss banks.
• i-MoutiercoreStrategic or Co-development PartnerBCJ partners with i-moutier (regional business support organisation) to run the Boost PME programme, which helps Jura SMEs transition to sustainable and responsible business practices with expert support from the i-moutier network.
• Europ Assistance (Suisse) Assurances SAcoreOthersEurop Assistance (Suisse) Assurances SA, based in Nyon (IDE/UID: CHE-101.333.746) and supervised by FINMA, provides collective insurance policies for BCJ Debit Mastercard holders, covering smartphone/tablet casco, rental vehicle franchise, fraudulent offers, and non-conforming delivery. The insurance is free for Debit Mastercard holders.
• TWINT Switzerland LtdcoreTechnology or IntegrationBCJ offers TWINT mobile payments to its customers, integrating the Swiss TWINT mobile payment solution into its digital banking services.
• Viseca One Services SAcoreTechnology or IntegrationBCJ integrates the Viseca 'one' digital portal for card holders, enabling real-time transaction monitoring and card parameter management via the one app.
• Banques Cantonales networkcoreChannel Partner/ Reseller/ DistributorBCJ card holders benefit from free cash withdrawals and deposits at all ATMs across the Swiss cantonal bank network (Banques Cantonales), providing nationwide ATM access.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Banque Cantonale de Genève (BCGE): Geneva-based cantonal bank offering retail, private, and SME banking. Useful as a same-model peer despite materially larger scale.
• Banque Cantonale du Valais (BCVs): Cantonal bank serving Valais with similar universal banking offering including mortgages, cards, investment products, and digital channels. Comparable in canton size and franchise model.
• Banque Cantonale du Jura bernois (BCJB): Geographically adjacent Swiss cantonal bank covering the Jura bernois district with a near-identical universal retail, mortgage, and SME banking mandate. Closest peer by structure, geography, and product mix.
• Banque Cantonale de Berne (BEKB): Bern-based cantonal bank providing universal banking services including mortgages, wealth management, and digital channels. Comparable structure though somewhat larger in scale.
• Banque Cantonale Neuchâteloise (BCN): Swiss cantonal bank in Neuchâtel offering retail and SME banking with comparable mortgage and deposit franchise. Similar size and structure to BCJ.
• Glarner Kantonalbank (GLKB): One of the smallest Swiss cantonal banks, serving Canton Glarus with retail and SME banking. Highly comparable to BCJ in canton scale and product breadth.
• Banque Cantonale de Fribourg (BCF): Mid-sized Swiss cantonal bank offering retail deposits, mortgages, wealth management, and e-banking to individuals and businesses in Canton Fribourg. Closely comparable in scale, public-law status, and product architecture.
• Banque Cantonale de Bâle-Campagne (BLKB): Mid-sized Swiss cantonal bank focused on retail and SME banking in Basel-Landschaft with a comparable mortgage-led balance sheet. Relevant peer for size and product mix benchmarking.

Broad incumbents

• Raiffeisen Schweiz: Swiss cooperative banking group with strong retail and mortgage franchise in rural areas including Jura. Directly competes for BCJ's customers and serves as a broad incumbent benchmark.
• Banque Cantonale Vaudoise (BCV): Largest Swiss cantonal bank by assets, providing a broader retail, corporate, and wealth platform that competes with BCJ in cross-border Jura corridors. Larger incumbent setting competitive benchmarks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks2 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BanqueCantonaleduJura
• Instagraminstagram.com/banquecantonaledujura
• LinkedInlinkedin.com/company/banquecantonaledujura-sa

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 BANQUE CANTONALE DU JURA