Thurgauer Kb Ps
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.
- Company typePrivate
- Founded1871
- HeadquartersWeinfelden, Switzerland
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
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.
Thurgauer Kb Ps firmographics
Firmographics- 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
Thurgauer Kb Ps industry classification
Industry- 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
Where Thurgauer Kb Ps is headquartered
LocationHeadquarters
- HQ city
- Weinfelden
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Thurgauer Kb Ps business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest spreads on mortgages, loans, and credit facilities extended to retail and corporate customers.
- 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).
- Securities and Investment Management: Fees and commissions from securities trading, wealth management mandates (Basis, Privatmandat, Premiummandat), and investment fund management including TKB-branded funds.
- Insurance and Pension Products: Distribution fees and commissions from third-pillar (3a) accounts, vested benefits accounts (Freizügigkeitskonto), and collective risk insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Optional add-on for international debit card usage |
| Subscription | Monthly | OLIVIA E-Banking and Mobile Banking access |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Thurgauer Kb Ps product offering
Product offeringCore 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.
Companies that use Thurgauer Kb Ps
Customer profileSegments2 records
Ideal customer profiles3 records
Thurgauer Kb Ps technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Thurgauer Kb Ps partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- SwisscantominorSwisscanto provides Freizügigkeitskonto (vested benefits account) services for pillar 2 (BVG) occupational pension assets as part of TKB's retirement planning offering.
- PensFreeminorPensFree provides Freizügigkeitskonto (vested benefits account) services for pillar 2 (BVG) occupational pension assets as part of TKB's retirement planning offering.
- SIX Group (bLink)coreSIX 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
Thurgauer Kb Ps competitors and assessment
Company assessmentBroad 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
Thurgauer Kb Ps social profiles
Digital presenceThurgauer Kb Ps compliance and trust
Trust signalCompliance10 records
Thurgauer Kb Ps financial estimates
Financial estimateRevenue estimate
Valuation estimate
Thurgauer Kb Ps leadership team
Management profileNumber of profiles
Thurgauer Kb Ps funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Thurgauer Kb Ps M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Thurgauer Kb Ps
What does Thurgauer Kb Ps do?
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.
Is Thurgauer Kb Ps a public or private company?
Thurgauer Kb Ps is a private company. It is classified as state government owned and is currently operating.
When was Thurgauer Kb Ps founded?
Thurgauer Kb Ps was founded in 1871. It employs 501 to 1,000 people.
Where is Thurgauer Kb Ps based?
Thurgauer Kb Ps is headquartered in Weinfelden, Switzerland, in the Europe region.
How does Thurgauer Kb Ps make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are account and Card Fees, securities and Investment Management and insurance and Pension Products.
Who are Thurgauer Kb Ps's main competitors?
Broad incumbents on record are PostFinance and Raiffeisen Schweiz. Direct peers are St. Galler Kantonalbank (SGKB), Graubündner Kantonalbank (GKB), Aargauische Kantonalbank (AKB), Luzerner Kantonalbank (LUKB), Zürcher Kantonalbank (ZKB), Schwyzer Kantonalbank (SZKB), Berner Kantonalbank (BEKB) and Basler Kantonalbank (BKB).
Does Thurgauer Kb Ps have an API?
Yes. The TKB offers bLink, an open banking API platform operated by SIX BBS AG. bLink enables customers to connect their TKB account data with third-party software solutions through electronic login and technical interfaces. Users can transmit and receive account data (e.g., IBAN, account holder, account balances, transactions), create and authorize payment orders. Data transmission occurs over bLink, with bLink being an independent service provided by SIX, not a TKB product.
What industry is Thurgauer Kb Ps in?
Thurgauer Kb Ps's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts, with a secondary code of FSABAIAF, Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals). Its NAICS code is 5221 and its SIC code is 6022.