Private wealth management
Wealth, managed with discipline.
Diversified portfolios built around your goals, your timeline and how much risk you are willing to take. Your capital is at risk.
Citizens Wealth: private wealth management and liquidity for individuals and businesses
Design prototype. Investing involves risk, including loss of capital. No return is guaranteed.
A private wealth platform, built for the long term.
Preserve
Stewardship comes first. Portfolios are built to protect what you have before they reach for more.
Grow
Diversified, multi-asset portfolios matched to your goals and your tolerance for risk. Value can fall as well as rise.
Access
Reach your wealth when you need it. Borrow against your portfolio instead of selling it, subject to approval.
Portfolios shaped around your goals.
Choose a strategy that fits your timeline and temperament. Our team reviews and rebalances it as your circumstances change.
Growth
Long-horizon portfolios weighted toward equities and other growth assets. More potential, more volatility.
Balanced
A mix of growth and income assets designed to smooth the ride over time.
Income
Portfolios oriented toward regular distributions from dividends and fixed income. Distributions are not guaranteed.
Capital is at risk. Strategy descriptions are illustrative, and no outcome is guaranteed.
Access cash without selling your investments.
Open a credit line secured against your portfolio. Your assets stay invested while you cover what comes next.
Set a limit
Your limit depends on the value and type of assets you pledge, and on a credit assessment.
Borrow as needed
Draw funds into your available balance and pay interest only on what you use.
Repay on agreed terms
Repay in full or in part. Terms, interest and fees are shown before you accept.
Eligibility, limits and collateral requirements apply. Borrowing increases risk: if the value of your pledged assets falls, you may need to add funds or have assets sold.
One balance. Spend and send worldwide.
Hold several currencies, send money across borders and pay with a debit card linked to your available balance.
Multi-currency
Hold and convert between major currencies from a single account.
Transfers
Send and receive domestic and international payments, with the fee shown before you confirm.
Debit cards
Physical and virtual cards that spend from your available balance.
Card availability, fees and exchange rates depend on your region and our issuing partner. Cards are subject to issuer approval.
Built for businesses as well.
Move money, manage surplus cash and fund growth from one platform, with controls that fit how your company actually signs off.
Accounts
Multi-currency business accounts with dual-approval payments for multiple signatories.
Treasury
Put surplus cash to work in portfolios matched to your time horizon and risk limits.
Credit
Working-capital lines for established businesses, subject to assessment and approval.
Open an account in four steps.
I
Register
Create your profile and choose an individual, joint or business account.
II
Verify
Confirm your identity. We require this for every client.
III
Fund
Add money by bank transfer or other supported methods.
IV
Begin
Invest, open a credit line, send payments or order a card.
Security and oversight, by design.
Identity checks
Every client is verified before an account is opened.
Protected sign-in
Two-factor authentication to protect access to your account.
Shared approval
Joint and business accounts can require a second signatory.
Activity monitoring
Unusual activity is reviewed and flagged to you.