EUR: We are a direct member of Target2/Euro-SIC

Beneficiary Bank: FVLBCHZZ

CHF: We are a direct member of SIC

Beneficiary Bank: FVLBCHZZ

All other currencies or in case the sending bank is not a member of Target2/Euro-Sic or Sic the transfer has to go over SWIFT. Our correspondent bank for SWIFT is our mother company Van Lanschot Kempen: FVLBNL22XXX

Van Lanschot Kempen has their own correspondent banks, please find them here: List of principal Correspondent

For incoming currencies over SWIFT the routing is as follows:

Pay to Receiver’s correspondent bank X, SWIFT code 54a

Intermediary bank: FVLBNL22XXX (our mother), SWIFT Code 56a

Beneficiary bank: FVLBCHZZXXX (us), SWIFT code 57a

Please find below an example for USD:

Receiver’scorrespondent bank: Citibank NY , BIC-CITIUS33XXX, SWIFT code 54a

Intermediary bank: Van Lanschot Kempen NV BIC FVLBNL22XXX, SWIFT code 56a

Beneficiary bank Van Lanschot Switzerland BIC FVLBCHZZXXX SWIFT, code 57a in favor of the client account number, name, reference for the payment.

We strive to provide our customers with high-quality service and personal attention. Are you not satisfied? Then we ask you to let us know. We appreciate your complaint, question or suggestion.

Submit your complaint and what's next

You can submit your complaint verbally or in writing. You will receive a substantive response or confirmation of receipt from us within two working days after we have received your complaint. In the confirmation of receipt we will inform you when you can expect our substantive response. You will receive our substantive response no later than six weeks after the date of the confirmation of receipt. If we ask you for additional information when handling your complaint, this term may be extended. We will inform you of any delay.

• Day 0: Reception We receive your complaint, question or suggestion.
• Day 2: Our (substantive) response You will receive a confirmation of receipt with the date on which you can expect our substantive response.
• Week 6: Our substantive response at the latest Didn't receive our substantive response? Then you can go to the Swiss Banking Ombudsman, Bahnhofplatz 9, Postfach, CH-8021 Zurich, +41 43 266 1414, Bankingombudsman
• Week 8: Our acknowledgment of receipt at the latest. Didn't receive our acknowledgment of receipt of your complaint? Then you can go to the Swiss Banking Ombudsman.

What do we do with complaints?

We use complaints from our relations to improve our services and products.  The working method for heirloom accounts has also been clarified and we have made improvements to our asset management reporting. 

We will continue to listen carefully to our relations in the future. We therefore thank you in advance for your comments.

Explain your complaint well

Has anything happened before you submit your complaint? Then you can help us and yourself by describing this clearly and also providing us with any other additional information. We can handle complaints that are well documented faster and you will receive our substantive response sooner.

When do you submit your complaint?

You can make your complaint within 30 days after the fact about which you are complaining occurred. The sooner you submit a complaint, the easier it is for you and us to obtain the necessary information.

To whom do you address your complaint, question or suggestion?

It is best to direct your complaint, question or suggestion to your International Wealth Manager. Would you rather not send your complaint to your International Wealth Manager or to the branch where you bank? Please contact Van Lanschot's Complaints Management department. You can do that in the following ways:

• you use the contact form on top at the right side
• you send an e-mail to vanlanschotkempen@vanlanschotkempen.ch
• you send a letter to: Van Lanschot Kempen (Switzerland) Ltd., Attn. Complaints Management department, PO Box 3078, Mittelstrasse 10, 8034 Zurich, Switzerland
• you call +41 43 377 1111

You want independent mediation

If you are not satisfied with the handling of your complaint, you can submit your complaint to the Swiss Banking Ombudsman, the Financial Services Complaints Institute. Swiss Banking Ombudsman is independent and mediates and decides in disputes between consumers with banks and other financial service providers. In principle, you must submit your complaint to Swiss Banking Ombudsman within one year after you have submitted it to us. For more information about the terms and conditions, please refer to Swiss Banking Ombudsman.

You can also choose to submit your complaint to the competent civil court in Zurich.

If you choose to first submit your complaint to the civil court, it will then no longer be possible to submit your complaint to Swiss Banking Ombudsman. Otherwise, this option does exist.

Are we not keeping to the agreements?

Have you not received a substantive response from us six weeks after the date of our confirmation of receipt? Then you can submit your complaint to the Swiss Banking Ombudsman. You do not have to wait for our position.

Have you not received an acknowledgment of receipt of your complaint?  Then you can submit your complaint to Swiss  eight weeks after you have submitted your complaint to  us without our position.

Currency Index

CHF SSARON

EUR ESTRON

USD SOFRRRATE

GBP SONIA

If you have a credit facility with the bank you must pay interest. This interest is a compensation for granting you a credit facility and using our balance sheet (capital costs). The interest consists of the following components: 1. funding cost and 2. margin. In case of non-EUR fixed term loans FX forward points are added.

1. Funding cost consists of the market rate and liquidity cost. The market rate is what the bank pays for a loan on the money- and/or capital markets. Liquidity cost are the additional cost the bank must pay above the market rate. The level of funding cost is dependent on for example the developments on capital markets, how long the interest is fixed and the credit rating of the bank.
2. The margin is the spread the bank adds to the funding cost.

The interest rate on your loan can vary and is dependent on how the market is developing, but also how central banks behave. Changing or new rules and regulation can also be of influence on the interest you pay on your loan. If you have any questions, please do not hesitate to call your International Wealth Manager.

Sustainability is increasingly influencing investment decisions, alongside financial returns. Van Lanschot Kempen is investing more frequently in businesses that actively address sustainability challenges, manage resources efficiently, minimize pollution, prioritize employee well-being, and acknowledge the potential and risks associated with sustainability. 

For further details on sustainable investing with Van Lanschot Kempen, you can explore our Sustainable Investing brochure or visit the Van Lanschot Kempen Group sustainability website.