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Gonet review

Gonet & Cie SA

Our review of Gonet for ultra-high-net-worth families: the legal entity that holds the licence and books the account, not just the brand.

Booking centreSwitzerland
RegulatorFINMA
Legal formLocally incorporated subsidiary
GroupArab Bank Group
Founded1845
Websitegonet.ch
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PPLI.com
Private Bank Rating
Rating in preparation

We are still preparing the rating for this bank. What we have on file so far is below.

About the rating
Rating in preparationrating
Being readfee document
1matter on the record, 2015
Not publishedminimum relationship
The editor's opinion

Why Gonet is not yet rated

We have not yet rated Gonet. Three points are still to be documented: the custody terms, the services offered here and the fees. We publish a rating only once every part of it rests on a document we have read; what we have so far is set out below.

Noam Cohen, Editor, Bank IntelligenceReviewed 6 November 2026, Q4 2026 edition. The rating weighs the public record together with what clients and their advisers tell us in confidence; retail products, branches and apps play no part.

Where Gonet stands out

  • No final adverse finding against this licence holder in ten years of regulatory and court records.
  • Custody assets are protected by statute in the booking centre, with conditions a family should read.
  • Deposits are covered by a statutory protection scheme.
  • A dedicated desk serves external asset managers and family offices.
  • Ownership is public, with some detail missing.

What to weigh

  • Custody terms are not published; ask for the agreement before opening an account.
  • There is no published list of what this booking centre offers private clients.
  • Pricing is not public.

The rating expresses the opinion of PPLI.com on the date shown. It is not a statement of fact about the bank, not a credit rating, not a forecast of failure and not investment advice.

The record

Regulatory and legal record

What regulators, prosecutors and courts have decided, recorded against the legal entity they named, with the status, the amounts as published and a link to the original document. Claims and investigations still under way are marked as open.

201523 December 2015

Non-prosecution agreement under the Swiss Bank Program, US-related accounts

Gonet & Cie entered a Swiss Bank Program non-prosecution agreement covering 150 US-related accounts and paid a penalty of USD 11.454 million. The same release covered Bank J. Safra Sarasin, Coutts & Co and Banque Cantonale du Valais.

Gonet will pay a penalty of $11.454 million.

Standard Swiss Bank Program cooperation obligations.

US Department of Justice (Swiss Bank Program, Category 2)Settlement without admissionPenalty USD 11.5 millionPrimary source
Clients and standing

Client experience and financial standing

What clients meet at Gonet, read from complaint registers, ombudsman decisions and court records, independent reporting and what clients and their advisers tell PPLI.com in confidence. Announcements by the bank, awards and marketing material are left out.

UHNW client ratings

2.7 out of 5, based on 6 client ratings for this booking centre.

What clients report

The Swiss Banking Ombudsman publishes statistics only, not by bank, so no complaints register shows figures for Gonet & Cie SA. ONE swiss bank SA was absorbed into the bank, with FINMA approval, with retroactive effect from 1 January 2025.

Worth raising with the bank

  • Ask what role Arab Bank (Switzerland), which has held 90 percent of the bank since November 2022, plays in its risk, compliance and capital decisions.

In the press

What it costs

What Gonet charges

Gonet publishes a fee document, and we will read it in full for the next edition. Until then Gonet does not appear in the fee comparison. Cost transparency is scored only on documents we have read.

The bank at a glance

Identity, protection and services

Legal identity

Legal nameGonet & Cie SA
LEI549300B0NGKC6ZEITB72
LicenceBank  Source
RegulatorFINMA
Legal formLocally incorporated subsidiary
OwnerArab Bank (Switzerland) Ltd. group Source

Ownership

Group parentArab Bank (Switzerland) Ltd. (Arab Bank Group)  Source
ControlArab Bank (Switzerland) Ltd.; controlled by a single owner  Source (1 June 2023)

Ownership is shown as published, with its date. It describes who owns the bank; it does not, by itself, suggest any wrongdoing by the bank or its owners.

Financial strength, as reported

Credit ratingsMoody's Baa1 (long-term bank deposits) (stable outlook); Moody's Baa3 (long-term issuer) (stable outlook) Rated entity: Arab Bank (Switzerland) Ltd., parent
CET1 ratio17.60% (31 Dec 2025)
Assets under managementnearly CHF 12 billion (July 2025)  Source

Rows without a source link are taken from the published reports of Arab Bank (Switzerland) Ltd., consolidated (ABS Group, which consolidates Gonet & Cie SA). Sources: Arab Bank (Switzerland) Annual Report 2025 (consolidated); Arab Bank (Switzerland) Regulatory Reporting 2025 (Pillar 3 key metrics); Moody's rating action on Arab Bank (Switzerland) Ltd., 22 Apr 2026 (hosted by the bank).

Services published for this booking unit

Private clients
Discretionary management
Advisory mandates
Custody only (execution and safekeeping)
Lombard lending
Mortgage lending
Multi currency accounts
Trust and fiduciary services
Family office services
Wealth planning
Consolidated reporting
External asset manager desk

Offered at this booking centreOffered by the group, not confirmed hereNot located, which does not mean unavailable
Checked on the bank's own pages, 2 November 2026.

Access and costs

Minimum relationshipNot published
US personsNot published
Fee scheduleNot published
Third party paymentsNot published
Transfer out termsNot published

Protection of client assets

Deposit protectionAll banks with a Swiss office must be members of esisuisse: privileged deposits are protected up to CHF 100,000 per client per bank, including non-resident clients and foreign currency deposits, within a system cap.
Custody lawSwiss Banking Act art. 37d: custody assets held for clients are separated from the bankrupt bank's estate and handed over to the clients, with privileged deposits protected under arts. 37a and 37h.
Custody termsNot published

Before opening an account

  • Custody agreement. The applicable legal framework is set out above. Ask for the agreement that would govern your account and check how securities are titled, whether any sub-custodian is used, and when the bank may take a lien.
  • Reporting to the family office. The bank lists a desk for external asset managers. Ask for a sample statement or data export and confirm whether it includes positions, transactions, accrued income and all currencies held.
  • Transferring assets out. Ask which positions can be transferred without selling them, who approves exceptions, and how charges are calculated for each position and market.
Your experience

Rate Gonet

If you bank with Gonet or advise clients who do, your experience forms part of its PPLI.com rating. Every response is read by the editor and treated in strict confidence.

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Our commitment to confidentiality

Your name, email and telephone number are seen only by the PPLI.com editor. They are never published, never passed to Gonet or any other bank, and never used for marketing. We may contact you once to clarify your assessment. Once verified by our editors, your assessment can lead to a disclosed adjustment of this bank's PPLI.com rating. It is never published with your name.

Sources

All 15 documents cited on this page, by subject.

Regulatory and legal record

  1. US Department of Justice (Swiss Bank Program, Category 2): Non-prosecution agreement under the Swiss Bank Program, US-related accounts, 23 December 2015justice.gov

Client experience and press

  1. finews.com: Gonet & Cie Appoints New Chairman of the Board, 1 April 2026finews.com
  2. allnews.ch: La fusion de Gonet & Cie SA et ONE swiss bank SA est effective, 25 June 2025allnews.ch
  3. finews.ch: Konsolidierung: Neuer Paukenschlag im Swiss Private Banking, 19 November 2024finews.ch
  4. allnews.ch: Integration de Banque Degroof Petercam (Suisse) au sein de Gonet & Cie, 25 January 2022allnews.ch

Identity, ownership, finances and services

  1. FINMA: Bewilligungstraeger (PDF)finma.ch · Licence
  2. Bär & Karrer: Bar karrer advises gonet and arab bank switzerland group on the…baerkarrer.ch · Owner
  3. nkf.ch: Arab bank switzerland ltd and gonet cie sa complete strategic business…nkf.ch · Group parent
  4. Arab Bank (Switzerland) Annual Report 2025 (consolidated)arabbank.ch · Financial strength
  5. Arab Bank (Switzerland) Regulatory Reporting 2025 (Pillar 3 key metrics)arabbank.ch · Financial strength
  6. Arab Bank: Moody's rating action on Arab Bank (Switzerland) Ltd., 22 Apr 2026 (hosted by the bank)arabbank.ch · Financial strength
  7. Gonet: Investment solutionsgonet.ch · Services
  8. Gonet: A global approachgonet.ch · Services
  9. Gonet: Partnershipgonet.ch · Services

The bank

  1. Gonet, websitegonet.ch

For Gonet

Before we publish a significant negative finding that is not already public, we give the bank the facts and time to comment, on the same timetable for every bank. Decisions of regulators and courts are shown as they were published. Corrections we verify are published with the date of the change. Write to [email protected] quoting reference BK-CH-GONET-0F68AE.

Reviewing this file with us

Families and their advisers read this file before they open an account. It can only be as complete as the documents we can find, and much of what sets a private bank apart, from its custody terms to the way a client team works, is rarely published.

If you represent Gonet, one of our Bank Intelligence analysts can go through the file with you: correct anything that is out of date, add terms and documents that are not yet public, and set out what has improved since our last edition. The review is a paid engagement for the analyst's time and research.

The rating itself stays with our editor and follows what the documents show, so we cannot promise a particular result. When a review changes the file, this page notes that the bank took part, with the date and what was added.

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About this file

Researched by the PPLI.com research desk from the public sources listed. The rating is our editorial opinion; read how we rate.

Important information. Editorial opinion of PPLI.com on the date shown, based on public information, client experience and editorial judgment. Not a statement of fact, a credit rating or investment, legal, tax or financial advice; verify with the bank and your own advisers before acting. No liability is accepted for reliance on this content. Bank names and logos are used for identification only. Ratings are updated every quarter. This is the Q4 2026 edition, and a rating can change between editions if something material happens. Full disclaimer
Rating signed by Noam Cohen, Editor, Bank IntelligenceReviewed 6 November 2026Methodology 2.4Reference BK-CH-GONET-0F68AE
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