Thurgauer Kb Ps

What Thurgauer Kb Ps does

Thurgauer Kantonalbank (TKB) is a Swiss cantonal bank founded in 1871 and headquartered in Weinfelden, operating exclusively in the Canton of Thurgau under the implicit public guarantee of the cantonal government. It is structured as a public-law institution owned by the canton, with participation certificates (Partizipationsschein/PS) traded on the Swiss exchange but no external equity investors. TKB operates as a universal bank serving private individuals, families, SMEs, associations, and public institutions through a multi-channel distribution model that combines physical branch offices (Geschäftsstellen) with a financial advisor network and the OLIVIA digital banking platform.

The OLIVIA platform — comprising web E-Banking, Mobile Banking, CrontoSign mobile authentication, and Digipass hardware tokens — is the technological backbone, supplemented by bLink open banking API connectivity (SIX Group), self-hosted Matomo analytics, and integration with Apple Pay, Google Pay, Samsung Pay, TWINT, Swatch Pay, Garmin Pay, and Fidesmo Pay. The product suite spans current and savings accounts (Privatkonto, Sparkonto, Euro-Konto, Fremdwährungskonto, Vereinskonto), debit and credit cards (Debit Mastercard, Visa Platinum, multiple tiers), a full mortgage suite (fixed, SARON-Flexi, variable, energy, family), personal and securities-backed loans, pillar 2 and 3a pension products, and wealth management delivered through three mandates (Basis, Privatmandat, Premiummandat) under an ESG Plus framework. TKB-branded proprietary funds (TKB Aktienfonds Schweiz, TKB Dynamic Focus Fonds), precious metals, and a 2024-launched cryptocurrency trading and custody service round out the investment offering.

Revenue is generated through net interest income on mortgages and loans, transaction and card fees, securities and wealth management commissions, and distribution fees on insurance and pension products. The customer base is geographically concentrated in the Canton of Thurgau, with no external enterprise customers or international footprint disclosed. TKB holds ISO 27001/27701/27017/27018 certifications, complies with FINMA, AML, GDPR, FATCA, and AIA standards, and emphasizes digital security and Swiss data residency as distinguishing features.

Name

Thurgauer Kb Ps

Legal name

Thurgauer Kantonalbank

Website

https://tkb.ch

Company type

Private

Founded year

1871

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Thurgauer Kantonalbank is a Swiss cantonal bank owned by the Canton of Thurgau that serves retail customers, families, SMEs, and associations through branch offices and the OLIVIA digital banking platform, offering accounts, mortgages, cards, pensions, wealth management, and recently launched cryptocurrency trading.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industry

Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

• Cantonal banking
• Retail banking
• Mortgage lending
• Wealth management
• Digital banking

Headquarters

HQ city

Weinfelden

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on mortgages, loans, and credit facilities extended to retail and corporate customers.
2. Account and Card Fees: Monthly fees for banking services, card issuance, and transaction fees including foreign currency transactions (CHF 1.50 per foreign transaction without optional service).
3. Securities and Investment Management: Fees and commissions from securities trading, wealth management mandates (Basis, Privatmandat, Premiummandat), and investment fund management including TKB-branded funds.
4. Insurance and Pension Products: Distribution fees and commissions from third-pillar (3a) accounts, vested benefits accounts (Freizügigkeitskonto), and collective risk insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Thurgauer Kantonalbank (TKB) is a Swiss cantonal bank providing universal retail and corporate banking services to residents and businesses of the Canton of Thurgau. It offers current and savings accounts, credit and debit cards, mortgages and loans, pillar 2 and 3a pension products, self-directed securities trading, discretionary wealth management, proprietary investment funds, precious metals, and cryptocurrency custody, delivered through branch offices and the OLIVIA digital banking platform.

Product overview

Thurgauer Kantonalbank operates as a diversified Swiss regional bank offering an integrated banking platform with both traditional banking products and digital services. The core digital infrastructure is the OLIVIA Banking Suite (comprising OLIVIA E-Banking web platform and OLIVIA Mobile Banking app), which provides unified access to accounts, cards, mortgages, loans, savings, investments, and wealth management. Traditional banking products span checking/savings accounts (Privatkonto, Sparkonto), credit/debit cards (Debit Mastercard, Visa cards in multiple tiers), mortgages (fixed, floating, energy, family variants), personal loans, and pension products (pillar 2 and 3a). Investment services include self-directed TKB Depot, managed wealth portfolios (Basis, Privatmandat, Premiummandat), proprietary funds (TKB Aktienfonds Schweiz, TKB Dynamic Focus Fonds), precious metals, and cryptocurrency trading. The bank also operates a specialized Pensionszentrum for retirement advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• OLIVIA: Digital banking platform of TKB offering E-Banking and Mobile Banking services
• TKB Pensionszentrum
• Carlo

Products and services

• Konten & Karten (Accounts & Cards) Range of checking, savings, and currency accounts combined with debit and credit card products. Includes Privatkonto, Sparkonto, Euro-Konto, Fremdwährungskonto, Vereinskonto, and cards such as Debit Mastercard and various credit card tiers, targeted at retail customers and SMEs.
• Hypotheken (Mortgages) Comprehensive mortgage product suite including Festhypothek (fixed-rate), SARON-Flexi-Hypothek (floating-rate), Variable Hypothek, Termin-Festhypothek, Energie-Hypothek (energy-efficient financing), and Familien-Hypothek (family support mortgage), with switching and comparison tools for retail customers.
• Kredite (Loans) Personal and business lending products including Barkredit (personal loan) and Wertschriftenkredit (securities-backed credit) for flexible financing needs outside real estate.
• Vorsorge (Pension/Retirement) Swiss pension and retirement savings products spanning pillars 2 and 3, including Sparen 3 Konto (pillar 3a savings), Wertpapiersparen 3a (securities-based pillar 3a), Freizügigkeitskonto (vested benefits account), and collective death insurance.
• OLIVIA Banking Suite Comprehensive digital banking ecosystem comprising OLIVIA E-Banking (web), OLIVIA Mobile Banking (app), CrontoSign login authentication, and Digipass token device, providing unified access to accounts, cards, payments, securities, and messaging for retail and SME customers.
• Vermögensverwaltung (Wealth Management) Professional asset management with three service tiers: Basis (entry-level advisory), Privatmandat (discretionary management), and Premiummandat (customised premium service), all following the ESG Plus investment approach, aimed at affluent retail clients.
• TKB Depot Self-directed securities trading account enabling customers to manage their own investment portfolio with access to stocks, bonds, and other securities and direct market execution.
• TKB Aktienfonds Schweiz Proprietary Swiss equity fund managed by TKB providing exposure to the Swiss stock market with ESG integration.
• TKB Dynamic Focus Fonds Actively managed multi-asset fund with dynamic allocation strategy, aiming to generate returns across different market conditions.
• Anlegen in Edelmetall (Precious Metals) Investment products for gold and silver including Fairtrade Gold and traceable gold and silver bars, focused on sustainable and transparent sourcing.
• Anlegen in Kryptowährungen (Cryptocurrency) Cryptocurrency trading and custody service integrated into OLIVIA Digital Banking, enabling customers to buy, sell, and securely store cryptocurrencies directly within the bank's digital platform.
• TKB Pensionszentrum Specialised pension and retirement planning advisory center offering comprehensive financial planning services for individuals approaching or in retirement, including retirement income strategies, pension optimisation, and wealth distribution guidance.
• Mobile Payment Services Support for contactless mobile and wearable payments via Apple Pay, Google Pay, Samsung Pay, TWINT, Swatch Pay, Garmin Pay, and Fidesmo Pay, integrated with TKB debit and credit cards.

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Three partnerships are on record, tiered minor and core.

• SwisscantominorOthersSwisscanto provides Freizügigkeitskonto (vested benefits account) services for pillar 2 (BVG) occupational pension assets as part of TKB's retirement planning offering.
• PensFreeminorOthersPensFree provides Freizügigkeitskonto (vested benefits account) services for pillar 2 (BVG) occupational pension assets as part of TKB's retirement planning offering.
• SIX Group (bLink)coreTechnology or IntegrationSIX Group operates the bLink open banking platform. TKB provides bLink as an e-service enabling customers to connect their TKB accounts with third-party software solutions for data exchange and payment initiation.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• PostFinance: PostFinance is the federal-government-owned Swiss financial services provider, operating as a major retail bank across Switzerland. Like TKB, it is a public-law institution with full digital infrastructure, offering accounts, payments, mortgages, and wealth products in competition for the same retail customers.
• Raiffeisen Schweiz: Raiffeisen Schweiz is the Swiss cooperative banking group with ~2M members and nationwide branch network. While TKB is state-owned rather than cooperative, both compete head-to-head for retail mortgages, deposits, and SME banking across Switzerland, making Raiffeisen a broad incumbent peer.

Direct peers

• St. Galler Kantonalbank (SGKB): St. Galler Kantonalbank is a Swiss cantonal bank with a comparable size and structure to TKB, also serving a regional catchment in Eastern Switzerland with universal banking, OLIVIA-style digital platforms, mortgages, and wealth management. It is one of the closest direct comparables in size, geography, and product mix.
• Graubündner Kantonalbank (GKB): GKB is a Swiss cantonal bank for the Canton of Graubünden with retail, corporate, and private banking offerings. Comparable to TKB as a smaller regional cantonal bank with similar focus on mortgages, retail deposits, and local SME banking.
• Aargauische Kantonalbank (AKB): AKB is a mid-sized Swiss cantonal bank serving Canton of Aargau with universal banking, mortgages, and wealth management. Comparable to TKB in size, structure (cantonal ownership), and product offering.
• Luzerner Kantonalbank (LUKB): LUKB is a Swiss cantonal bank for the Canton of Lucerne offering universal banking, mortgages, and advisory services. Comparable to TKB in size, structure (state-owned universal bank), and product breadth.
• Zürcher Kantonalbank (ZKB): ZKB is the largest Swiss cantonal bank, owned by the Canton of Zürich, offering universal banking and wealth management. While much larger than TKB, it operates under the same public-law cantonal bank model with implicit state guarantee and similar universal retail/corporate product set, making it a directly comparable structural peer.
• Schwyzer Kantonalbank (SZKB): SZKB is a Swiss cantonal bank serving the Canton of Schwyz with retail and corporate banking. Comparable to TKB in being a smaller regional cantonal bank with similar universal banking product set.
• Berner Kantonalbank (BEKB): BEKB is a mid-sized Swiss cantonal bank serving the Canton of Bern with universal banking, mortgage, and advisory services. Comparable to TKB in structure, scope (full retail/corporate banking), and product breadth within a defined cantonal territory.
• Basler Kantonalbank (BKB): BKB is a Swiss cantonal bank in Basel-Stadt offering universal banking, wealth management, and digital channels. Similar to TKB as a regionally anchored cantonal bank with comparable product portfolio and customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tkb
• LinkedInlinkedin.com/company/thurgauer-kantonalbank
• Instagraminstagram.com/thurgauer_kantonalbank
• TikToktiktok.com/@tkb.ch

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

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 Thurgauer Kb Ps