LLB Liechtenstein: securities accounts, advice, custody and trading charges

Liechtensteinische Landesbank AG combines a Liechtenstein banking relationship with securities custody, dealing and investment advice. EAS lists the Vaduz bank under registration FL-0001.000.289-1. This profile concerns that entity, not LLB’s separately incorporated Swiss or Austrian banks.[1]

The digital onboarding route offers a choice between Liechtenstein and Switzerland. Selecting a bank is therefore a substantive contract decision, not merely a language preference. The public route does not establish universal acceptance of every overseas resident; the applicant’s actual onboarding decision and contract determine access.[9]

The advisory models specify how often the bank reviews strategy deviations and communicates proposals. An annual performance report is included. This distinguishes ongoing portfolio advice from a single online purchase; a proposal is not itself the customer’s executed transaction.[2]

View full spreads & trading costs

E-banking supports shares, bonds, funds and warrants, but not standardised options or futures. A product appearing in the bank’s wider investment menu does not make it available in the retail order screen.[5]

The assisted derivatives service describes exchange-traded options and futures as well as OTC forwards and swaps. These require product-specific arrangements and carry different obligations from fully paid share ownership. The bank explicitly identifies potential total loss; a derivative’s hedge purpose does not make the transaction equivalent to an insured bank deposit.[15]

The linked brochure is undated in its extracted text. The following are its standard single-fee rates, not an all-in mandate quote; third-party costs, taxes and FX are additional.[4]

A CHF 10,000 domestic share order gives CHF 105 standard brokerage, or CHF 52.50 after the stated online discount, before extras. Custody is separate.[4]

LLB Pro costs CHF 24.90 monthly unless the stated Comfort, Expert or Consult waiver applies. Basic is not named in that waiver. Waiving the banking package does not cancel the investment mandate’s own charges. Account services, custody, dealing and advice should therefore be compared as separate cost layers.[8]

The LLB Pro FAQ separately prices posted statements at CHF 1 plus postage per statement. Its worldwide ATM benefit removes LLB’s own withdrawal charge; third-party fees passed to the bank may still be charged to the customer.[8]

The bank distinguishes continuous account access from order forwarding and market execution. The out-of-hours page gives +423 236 80 80 for e-banking support during 08:00–17:30. That support contact is not a published guarantee that an unauthenticated telephone request will be accepted as a dealing instruction.[6]

A lost device can be removed using another activated device; otherwise e-banking support must lock or delete it. Access removal should not be confused with cancelling an existing exchange order.[5]

The foreign-currency current account handles securities-related cash movements and incoming or outgoing payments, with monthly statements. Private accounts are offered in CHF, EUR and USD; the current-account route covers other common currencies. Online access to the bank balance is separate from the valuation of securities awaiting sale or settlement.[7]

An in-specie portfolio transfer moves holdings rather than paying out their market value. Before instructing it, reconcile securities identifiers, quantities and outstanding orders with the receiving bank. A cash withdrawal instead requires available cash; a displayed portfolio total alone cannot fund the payment.

The protections address an institution’s inability to return covered property, not a fall in a share or fund price. The legal nature of the asset matters: a deposit, a custody security and a contractual claim from securities lending should not be treated as interchangeable balances.[10][11]

First approach the client adviser, the bank’s complaint form, or Complaint Management, Städtle 44, PO Box 384, 9490 Vaduz. Provide the facts, requested resolution and contact details. The bank promises acknowledgement within a few days when it cannot answer directly, not a universal final-response deadline.[12]

Its complaint page points to the Liechtenstein financial-services Conciliation Board as a neutral out-of-court route and preserves court claims. The separate fund-services company’s complaint timetable is not applied to this bank account. Keep the dealing record, contract and complaint correspondence together so that the dispute concerns the actual entity and transaction.[12]

In LLB’s lending service, the client lends securities and the bank becomes borrower. Fees depend on the agreed period and volume. The accessible landing page does not establish the collateral arrangement, recall clock, voting rights or the net client revenue share. Those loan terms must be established before treating the arrangement as ordinary custody or a guaranteed extra yield.[13]

The ceiling is the collateral value accepted by the bank, not the portfolio’s unrestricted market value. Falling prices or currencies can require extra collateral or repayment and may force realisation in adverse markets. The factsheet does not publish a universal interest rate or loan-to-value ratio.[14]

The 2025 annual report describes a SIX-listed bank with the Principality holding around 56% of its shares. Its 2026 interim segmentation distinguishes locally oriented banking from international wealth management. This profile covers the Liechtenstein bank’s securities relationship; it does not combine all group customers, foreign branches and local account tariffs into one offer.[16][17]

Headquarters

Vaduz, Liechtenstein