Private Banking & Accounts
Banking that keeps pace with your wealth
Multi-currency private accounts with a Maltese IBAN, a named banker and the discretion you would expect of a private bank.
Riesant provides everyday banking designed for clients whose financial lives extend across currencies, jurisdictions and generations. Your private current account carries a Maltese IBAN, sits within our EUR-based franchise and is supported by a named banker who knows your circumstances rather than a queue.
Holdings in euro, US dollar, sterling and Swiss franc are maintained on a single ledger, alongside savings and fixed-term deposits. Deposits with Riesant Bank plc are protected up to €100,000 by the Depositor Compensation Scheme. Banking is the foundation on which we build wealth management, lending and the wider relationship.
Capabilities
What this includes
Private Current Accounts
A multi-currency current account with a Maltese IBAN, suited to clients banking across the EU and EEA.
Multi-currency Holdings
Hold and settle in euro, US dollar, sterling and Swiss franc on a single, consolidated ledger.
Savings & Term Deposits
Instant-access savings and fixed-term deposits at indicative rates set out on our rates page.
Relationship Management
A named banker who coordinates your day-to-day banking and connects you to specialists across the firm.
One account, several currencies
Many of our clients earn, spend and invest in more than one currency. A Riesant private current account lets you hold euro, US dollar, sterling and Swiss franc balances side by side, view them together and move between them when it suits you, without opening separate accounts in each market.
Your Maltese IBAN, beginning MT, supports SEPA and international payments, while your banker can arrange foreign-exchange conversions and standing arrangements on your behalf. Indicative deposit and conversion rates are published on our rates page and confirmed before any transaction.
A banker who knows you
Each relationship is anchored by a named banker, supported by a small team, working from our client centre in Sliema and head office in Valletta. They are your first point of contact for payments, deposits, cards and lending, and the person who brings in investment, estate-planning and family-office colleagues when your needs call for them.
Advice is suitability-led under MiFID II and delivered on an open-architecture basis. We retain no third-party retrocessions, and we coordinate with your tax and legal advisers rather than seeking to replace them.
Questions, answered
Who is eligible for a Riesant current account?
Anyone can open a Riesant Select account online — it is free, with no minimum. As your wealth grows, your banker will discuss moving to a higher tier: Riesant Private, Private Wealth, or Family Office by invitation.
Which currencies can I hold?
Current accounts and holdings support euro, US dollar, sterling and Swiss franc on a single ledger. Our base currency is euro, and your Maltese IBAN supports both SEPA and international payments.
How are my deposits protected?
Eligible deposits with Riesant Bank plc are protected up to €100,000 per depositor by the Depositor Compensation Scheme established under Maltese law, in line with applicable EU rules.
What interest will I earn on savings and term deposits?
Rates vary by currency, balance and term. We publish indicative rates on our rates page and confirm the applicable rate before a deposit is placed; we do not quote fixed figures here.
Related
You may also consider
Payments & Transfers
Send and receive across Europe and beyond, with euro payments in seconds, cross-border reach through SWIFT, and settlement times and fees you can see in advance.
Cards
Metal cards aligned to your relationship, with the controls, multi-currency reach and discreet service to match how you actually spend.
Wealth Management
A single relationship, two routes to managing your capital: a discretionary mandate run by our investment committee, or advisory support where the decisions remain yours.
Begin a conversation
Speak to a relationship manager
Tell us a little about your circumstances and we will arrange an introduction — discreetly, and without obligation.