Vault & Co.
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— FINMA-regulated · Zurich · Since 2018 —

Money, made
boring.

Vault & Co. is the digital bank Zurich's professionals use when they have stopped enjoying surprises. Multi-currency from day one. Interbank FX. Capital ratio of 24.6%. No marketing copy that doesn't cite a number.

Explore products Book onboarding →
€842kAvg. account AUM
0.12%Effective fee
24.6%Capital ratio
T+0Markets settlement

— 01 · The case —

Boring is a feature, not a bug.

Vault & Co. was founded in 2018 by three ex-UBS quants and a former FINMA examiner. We hold a full Swiss banking licence, are audited quarterly by KPMG, and publish our capital ratio on the homepage. The number sits at 24.6% — comfortably above the 14% regulatory floor.

We are not a neo-bank. We are not a fintech. We are a bank, built by people who think payments should clear before the merchant has finished bagging the coffee.

Capital, custody, and audit are public. Read the quarterly →

— 02 · Products —

Three things, done well.

Spaces for the everyday, Vault for the long horizon, Markets for the capital that should be working.

Personal · Sub-accounts

Spaces

Up to twelve sub-accounts per IBAN. Auto-allocate by rule, set goals, share with family. Real-time multi-currency.

  • 12 sub-accounts
  • EUR · CHF · USD · GBP
  • Auto-allocate by rule
  • Family sharing
Open Spaces →

Personal · Long-term

Vault

Time-locked savings with tiered yield. Up to 3.4% on CHF 24-month vaults. Penalty-free emergency exit clause for medical or housing.

  • Up to 3.4% APY
  • 3 / 12 / 24 mo tiers
  • Emergency exit clause
  • FINMA-protected to CHF 100k
Open Vault →

Personal · Investing

Markets

Fractional ETFs, equities, and FX. T+0 settlement, interbank FX, no platform fee. Multi-currency portfolio, single tax statement.

  • 7,400+ ETFs
  • Fractional shares
  • T+0 settlement
  • Single tax statement
Open Markets →

— 03 · The bank —

People, places, infrastructure.

Trading floor with screens Zurich trading floor · Bahnhofstrasse Metal credit card on desk Vault Card — matte titanium, no FX Charts and dashboards on screen Markets dashboard — fractional ETFs Boardroom with chart on wall Quarterly capital review Bahnhofstrasse, Zurich Bahnhofstrasse 42 — head office Server racks blue light Datacenter — 256-bit at rest

— 04 · Zurich —

From Bahnhofstrasse 42, three minutes from the lake.

Quarterly briefing · Q2 2026 · Filmed by Lukas Weber, no soundtrack.

— 05 · Speak with a banker —

Book a call.

Onboarding calls are 30 minutes and complimentary. Wealth reviews look at fees, currency mix, and yield. Private banking calls require AUM ≥ CHF 500k or a referral.

— 06 · Contact —

Open an account.

EU and Swiss residents only. We respond within two working days with a regulated onboarding link and the documents we need under FINMA AML.

— 07 · Office —

Bahnhofstrasse 42, Zürich.

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Vault & Co. AG

Bahnhofstrasse 42

8001 Zürich, Switzerland

Three minutes from Zürich HB, opposite the Crédit Suisse main branch. Buzzer 4F. Reception until 18:00.

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