UBS

UBS is for people who want a universal bank with private banking, wealth management, asset management and a proper investment-banking arm under one roof. By our assessment, its strength is the sheer reach of that platform: it can handle everyday banking for rich clients, large portfolios and corporate-market work without feeling like a narrow specialist. The trade-off is that a bank this broad can feel formal and layered, with more process than a smaller private bank. In practice it is the kind of place where service is polished but rarely casual, and the menu of products is wide enough to be useful but not always simple to navigate. Compared with boutique Swiss private banks, UBS is bigger, more public and more all-purpose. The catalogue marks UBS in Switzerland, which fits the brand’s long Swiss identity and its conservative reputation at the top end of banking.