S-Bank private banking 2026: wealth threshold and services
In October 2026, S-Bank Private Banking is intended for customers with over €300,000 under wealth management at S-Bank, Wealth Planning for at least €500,000 and Family Office for assets of over three million euros. Private Visa is free of charge for a Private Banking customer who is also an S-Group owner-customer.
S-Bank tiers from lowest to highest
| Tier | Class | Published minimum | Monthly fee | Notes |
|---|---|---|---|---|
| S-Bank Private | Private banking | over €300,000 | not published | |
| S-Bank Wealth Planning | Private banking | at least €500,000 | not published | |
| S-Bank Family Office | Private banking | over €3,000,000 | not published |
Tiers are ordered by the published threshold, with a tier without a threshold last. The class is derived from the tier name and wording: Premium tier, Private banking, Wealth management or Investor benefit programme.
What counts towards the wealth threshold?
S-Bank Private
"Our private bank's versatile Private Banking services are intended for customers with over €300,000 under wealth management." The threshold applies to assets under wealth management at S-Bank, not to deposits alone.
No income threshold is published.
Private Visa also requires S-Group owner-customer status (asiakasomistajuus).
S-Bank Wealth Planning
"The service is for customers with at least €500,000 under wealth management."
No income threshold is published.
S-Bank Family Office
Front page: "when your investment assets are over three million euros". Service page: "The service is for customers with over three million euros under wealth management." The threshold applies to the whole family.
No income threshold is published.
The pages have two wordings (investment assets vs. assets under wealth management).
Discretionary management
Discretionary management is part of the Private Banking services, but no separate minimum amount is published for it (not published).
| Tier | Minimum | Additional information |
|---|---|---|
| S-Bank Private | - | Discretionary management is part of the Private Banking services, but no separate minimum amount is published for it. |
| S-Bank Wealth Planning | - | No tier-specific information. |
| S-Bank Family Office | - | No tier-specific information. |
Read more in the guide wealth management and investor protection.
Prices and content by tier
S-Bank Private
Monthly fee: not published. Not published. S-Bank Private Visa (credit limit €20,000) has no monthly or annual fee for a Private Banking customer.
- Private banker
- Discretionary management and individual investment solutions
- Alternative investments (real estate and private equity funds, structured products)
- S-Bank Private Visa without a monthly or annual fee (at least €300,000 under wealth management at S-Bank and S-Group owner-customer status)
S-Bank Wealth Planning
Monthly fee: not published. Not published.
- Individual wealth and inheritance planning
- Related legal service
S-Bank Family Office
Monthly fee: not published. Not published.
- Comprehensive asset management service for the whole family
Read also
- Private banking services compared
- Wealth management and investor protection
- S-Bank price list and service fees
- S-Bank: trading costs and price list
Other providers
Sources
- S-Pankki: Private Banking ja varainhoitoretrieved 16 October 2026
- S-Pankki Private: Palvelutretrieved 16 October 2026
- S-Pankki Private: Yksilöllinen varainhoitoretrieved 16 October 2026
Data checked 16 October 2026. Check the current terms and prices with the provider.
Frequently asked questions
What is the private banking threshold at S-Bank?
In October 2026 the published wealth thresholds of the tiers at S-Bank are: S-Bank Private over €300,000; S-Bank Wealth Planning at least €500,000; S-Bank Family Office over €3,000,000. No separate minimum is published for discretionary management.
What counts towards the wealth threshold at S-Bank?
In October 2026 S-Bank Private: "Our private bank's versatile Private Banking services are intended for customers with over €300,000 under wealth management." The threshold applies to assets under wealth management at S-Bank, not to deposits alone. No income threshold is published.
How much does S-Bank private banking cost?
In October 2026 S-Bank does not publish a monthly fee for any of its tiers. Not published. S-Bank Private Visa (credit limit €20,000) has no monthly or annual fee for a Private Banking customer. Check the current price with the provider.