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.

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.