HZOne star. The editor's opinion explains why.
Habib Bank AG Zurich earns one star. In its favour: no final adverse finding against this licence holder in ten years of regulatory and court records. Still to be confirmed: the custody terms and whether external asset managers have a dedicated desk. The rating counts only what is on file.
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.
Low ratings of the bank's service from clients of the bank who reported to PPLI.com. On that basis the editor lowered the rating on 6 November 2026; it will be reviewed in the next quarterly edition.
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.
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.
Habib Bank AG Zurich entered a Swiss Bank Program non-prosecution agreement covering 125 US-related accounts since 1 August 2008 and paid a penalty of USD 9.4 million.
Standard Swiss Bank Program cooperation obligations.
What clients meet at Habib Bank AG Zurich, 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.
BeyondMachines, citing Cybernews, reported on 6 November 2025 that the Qilin ransomware group had listed the bank on its leak site, claiming 2.5 TB and nearly 2 million files including passport numbers and account balances. According to bluewin.ch, the bank confirmed unauthorised access to its network and informed the relevant regulators. What client data was taken has not been confirmed, and the figures on the data are the gang's own claims.
The bank confirmed unauthorised access to its network and informed all relevant regulators, while the extent of the data leak was still being determined.
BeyondMachines, citing Cybernews, reported on 6 November 2025 that the Qilin ransomware group listed the bank on its leak site and claimed 2.5 TB of data, including passport numbers and account balances.
Habib Bank AG Zurich publishes its fees. The figures below are its list prices, read on 6 November 2026 from the document linked at the foot of this section. To compare banks fairly we put every published fee in US dollars at the same indicative rates and apply it to the same reference amounts, then rate each fee against the average of the other banks that publish it. Five stars is the lowest fee, one star the highest. Terms a family actually negotiates are often different, and the bank can change its schedule at any time.
| Fee | Habib Bank AG Zurich | Other banks | Against the others |
|---|---|---|---|
| Discretionary mandateeffective rate on USD 12.5 million, balanced profile | 1.03% a year1.11% at USD 10m, 0.82% at USD 50m; all-in fee Source | 1.24% a yearaverage of 25 other banks | below the average |
| Advisory mandateeffective rate on USD 12.5 million | 0.24% a year0.26% at USD 10m, 0.21% at USD 50m Source | 0.96% a yearaverage of 21 other banks | among the lowest |
| Equity tradecommission on a USD 250,000 trade, major exchange | 0.75%stated as a maximum Source | 0.80%average of 47 other banks | around the average |
| Bond tradecommission on a USD 500,000 trade | 0.35%stated as a maximum Source | 0.96%average of 42 other banks | among the lowest |
| Third party fund subscriptionfee on a USD 250,000 subscription | 0.75% Source | 1.40%average of 42 other banks | among the lowest |
| Minimum annual feeper year, or fee below the asset threshold | USD 500 a yearCHF 400 per year Source | USD 4,439 a yearaverage of 38 other banks | among the lowest |
| Outgoing international transferper transfer, standard | USD 62CHF 50 Source | USD 57average of 61 other banks | around the average |
| Closing the accountone off | USD 62CHF 50 Source | USD 742average of 21 other banks | among the lowest |
Not in the published schedule: custody and safekeeping, currency conversion, account maintenance, transfer of securities to another bank, lombard loan margin.
Sources.
How the comparison works: USD 25 million booked with the bank: half under a discretionary balanced mandate, half in custody with advice; 24 equity trades of USD 250,000 and 8 bond trades of USD 500,000 a year; 6 currency conversions of USD 1 million; 24 outgoing international transfers. Tiered fees are applied to those amounts tranche by tranche, stated minimums are applied, and amounts are converted at indicative rates of 2026-11-06. Read how we compare fees.
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.
Figures for Habib Bank AG Zurich (consolidated group). Source: Habib Bank AG Zurich Annual Report 2025.
Offered at this booking centreOffered by the group, not confirmed hereNot located, which does not mean unavailable
Checked on the bank's own pages, 6 November 2026.
If you bank with Habib Bank AG Zurich 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.
All 15 documents cited on this page, by subject.
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-HABIB-ZURICH-271CC9.
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 Habib Bank AG Zurich, 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.
Researched by the PPLI.com research desk from the public sources listed. The rating is our editorial opinion; read how we rate.
Read our Privacy Policy before submitting. Share only the information needed to describe your question; do not include medical records or account credentials.