Private Banking

Liquidity, unbordered.

Multi-currency accounts, secured lending, and discreet daily banking — engineered for the global private client.

Banking, redefined

A relationship, not a portal.

Every Pacific Crest client is assigned a named banker and a backup — both reachable directly by phone, email, or encrypted message. There is no call centre, no menu of options, no script. The same two people answer at midnight in Singapore and at midday in Geneva.

Behind that relationship sits a private-banking platform built for clients who hold assets, real estate, and operating businesses across more than one country. Multi-currency settlement, cross-border lending, and consolidated reporting are the baseline — not optional add-ons.

Core services

What the relationship includes.

Multi-Currency Accounts

Hold and settle in 40+ currencies with same-day cross-border transfers via SWIFT GPI. Sub-accounts for each entity, trust, or family member, consolidated under a single statement.

Lombard Credit

Liquidity against your portfolio with rates from 1.4% over the relevant reference rate. Pre-approved drawdown for facilities up to USD 25m, decided on the same day for existing clients.

Concierge Cards

Metal payment instruments with global limits, 24/7 relationship desk, zero FX markups, and direct integration with your reporting. Issued in USD, EUR, CHF, GBP and SGD.

Family Governance

Coordinated banking for principals, trustees, and next-generation family members under one mandate. Permissions and limits set jointly with you in writing.

Account tiers

Three relationship levels.

Mariner

From USD 250,000.

Multi-currency banking, debit and credit cards, online and mobile platform, named relationship manager.

Navigator

From USD 2,000,000.

All Mariner services plus Lombard credit line, advisory access, FX desk, and quarterly portfolio review.

Sovereign

From USD 25,000,000.

Dedicated banking team, bespoke credit, private-market access, structuring and family-governance support, custody split across two institutions.

Operational standards

What you can expect.

Same-day SWIFT GPI. 95% of outgoing payments settle within four hours during business windows.
Banker reachable in 30 minutes. Across our four time zones, by phone, encrypted message or email.
Capital ratios. CET1 above 18%, well in excess of Basel III requirements.
Custody segregation. Client assets held in segregated nominee accounts, ring-fenced from the bank's own balance sheet.
Independent audit. Annual audit by a Big Four firm; pillar-3 disclosures published on the institutional page.

Onboarding

From introduction to active account.

Introduction

By a partner, an existing client, or a vetted intermediary. NDA in place from the first conversation.

Due Diligence

Identity, residency, tax status, and source-of-funds documentation. Typically two to four weeks for new relationships.

Account Opening

Mandate signed, banker assigned, accounts opened in your chosen jurisdictions and currencies.

Activation

Cards issued, online access provisioned, first reporting cycle scheduled.

Next step

Open a relationship.

A 45-minute introductory call with one of our private bankers, under NDA, with no obligation to proceed.

Request Introduction