Banque Heritage SA

Overview

Banque Heritage SA is a licensed banking institution and securities firm under the Swiss Federal Banking Act.¹ FINMA lists BANQUE HERITAGE SA in Genève 6 as a category 5 bank.² The bank describes itself as serving private and institutional clients through wealth management, asset management and related banking services.⁵⁶

History

Heritage Finance & Trust SA was founded in 1986 by Carlos Esteve.⁴ The institution obtained a Swiss Federal Banking License and became a private bank in 2004.⁴ It was renamed Banque Heritage Ltd in 2006.⁴ The Zurich branch opened in 2009, and the Sion office opened in 2016.⁴ Banque Heritage merged with Sallfort Privatbank in 2019.⁴ The firm says it began as a family office before developing into a wealth management group.⁴

Timeline

1. 1986Heritage Finance & Trust SA was founded in 1986 by Carlos Esteve.
2. 2004The institution obtained a Swiss Federal Banking License and became a private bank in 2004.
3. 2006It was renamed Banque Heritage Ltd in 2006.
4. 2009The Zurich branch opened in 2009, and the Sion office opened in 2016.
5. 2019Banque Heritage merged with Sallfort Privatbank in 2019.

Leadership

The Board of Directors comprises Torsten Koster as Chairman, Ramon Esteve III as Vice Chairman, Sven Hoffmann, Andrew Halle, Olivier Nicod and Donald Waterreus.⁵ The Executive Committee includes Marcos Esteve as Chief Executive Officer, Jean-Christophe Rochat as Chief Investment Officer and Head of Asset Management, and Pierre Vouilloz as Chief Financial Officer and Chief Operating Officer.⁵ In an April 1, 2026 release, the bank announced Onur von Burg as Head of Private Banking, Geneva, and Olivier Mulin as Head of Discretionary Portfolio Management.⁷ Antoine Blouin was announced as Head of External Asset Managers effective June 1, 2025.⁸

Services

The bank lists wealth management, asset management, products, external asset manager services, fund and asset servicing, pension planning, and fund representation with Swiss paying agent services.⁵ Its wealth management offering includes wealth structuring, asset protection, philanthropy and services connected with establishing family offices.⁶ The firm describes an open architecture platform with wealth solutions, estate and succession planning, and corporate services.⁶

Banque Heritage provides execution only reception and transmission of orders in financial instruments.¹ Transaction based investment advice covers recommendations for individual transactions without setting an overall investment strategy.¹ Portfolio based advice considers the client’s entire portfolio and selected strategy while the client keeps the investment decision.¹ Discretionary mandates authorize the bank to manage portfolios according to a client selected investment strategy.¹ Lombard loans provide credit for transactions in financial instruments.¹

The product universe includes proprietary and third party financial instruments issued, managed, advised, structured, developed or controlled by the bank or external providers.¹ The bank also states that its ESG investment offering considers environmental, social and governance risks in investment decisions.¹

What the firm offers

• Investment management
• Estate planning
• Philanthropy
• Family governance and education

Client focus

Wealth management is offered to private and institutional clients.⁶ The bank also identifies founding families, entrepreneurs, individuals, external asset managers, family offices and fund representatives among its client groups.⁸ Under its FinSA disclosures, clients are classified as private, professional or institutional, with private status applying by default unless another classification or election applies.¹

Investment philosophy and approach

The bank states that capital preservation is a core part of its investment and wealth management process.⁶ It says private bankers work with investment specialists to build portfolios around individual client requirements.⁶ Clients may select custody, discretionary or advisory relationships according to the level of involvement they want.⁶ The firm describes its ownership as firmly held by founding families and characterizes its approach as independent and long term.⁴

Assets and minimums

A July 2025 company release reported group assets under management of CHF 5.08 billion as of June 30, 2025.⁹ No minimum investment amount is stated in the supplied sources.

FAQs

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Sources

1. Information Memorandum on the Financial Services Act , accessed October 23, 2026.
2. FINMA register of banks , accessed October 23, 2026.
3. Banque Heritage legal disclosures , accessed October 23, 2026.
4. Banque Heritage website , accessed October 23, 2026.
5. About Banque Heritage , accessed October 23, 2026.
6. Wealth management , accessed October 23, 2026.
7. Strategic appointments in Geneva , accessed October 23, 2026.
8. Appointment of Antoine Blouin , accessed October 23, 2026.
9. 2025 results release , accessed October 23, 2026.

Claim or correct this profile

This profile is a factual summary written in our own words from public sources. It is for information only. It is not an endorsement, rating, ranking or recommendation, and it is not investment advice. MultiFamilyOffices.com is not affiliated with the SEC or with this firm unless stated. Form ADV figures are self-reported by the firm.