Services

Banking Service.

What matters to you, matters to us

Relationships are at the centre of everything we do. We help individuals and their families manage, protect and grow their wealth. Your relationship starts with your personal private banker—a seasoned professional who works with you to build a holistic financial plan. Offering a full-service and personalised experience for each of our clients, our approach is built on trust and transparency. Working together every step of the way, we provide you with the advice, products and services you need to meet your individual financial goals.

Your private banker acts as the single point of contact through whom you can access all of Standard Meridian Merchants local and international services including our in-house trust and asset management specialists.

As our private banking client you join a select community of executives, professionals, and other high-net worth individuals, providing opportunities to meet and exchange ideas and experiences with your peers.

Let’s start a conversation today.


Our award-winning services include::

  • Anytime access to your dedicated private banking team
  • Customised financial planning to help with retirement, estate planning and investments
  • Convenient and flexible cash management solutions including deposits and online banking services in multiple currencies
  • Tailored portfolio management advice and access to our range of asset management products and proprietary investment funds including ESG benchmarking upon request
  • Expedited mortgage approvals for local residential and investment properties, as well as specialised lending solutions including Lombard Loans and UK prime property financing
  • Expansive custody services
  • Trust and fiduciary services for financial and non-financial assets
  • Exclusive access to Standard Meridian Merchant insights
  • Unique, invitation-only events that bring our community together in a relaxed atmosphere
  • Specialised partner services including art advisory and financing through Sotheby’s and “Health Plus” through Johns Hopkins International (Bermuda only)

Accounts and Benefits

PRIORITY INDIVIDUAL ACCOUNT
Non-interest bearing current account designed for individuals and their
families


FEATURES AND BENEFITS
● Dedicated client relationship officer
● Access to E-banking bouquet (SMS Alerts, Mobile Banking, Internet Banking)
● Same-day value for cheques from reputable institutions
● Zero COT on account
● Flat monthly maintenance fee

REQUIREMENTS
● A valid national ID (Passport, Voter’s ID, Driver’s license, National ID) of account signatory(ies)
● Two passport size pictures of account signatory (ies).

flexible banking every day, everywhere

FEATURES AND BENEFITS

  • Access to E-banking bouquet (SMS Alerts, Mobile Banking, Internet Banking, E-statement, E-Alert, Peoples Card)
  • Maintain minimum account balance of $ 100.00

REQUIREMENTS

  • A valid national ID (Passport, Voter’s ID, Driver’s license, National ID) of signatory to account
  • Two passport size pictures of signatory to the account.
  • Sketch of direction to place of work and residence and/or utility bill to confirm place of work/place of residence.

secure investment, great returns

Investment account with fixed duration for Small, Medium and Corporate customers. Suitable for businesses with funds for investment over a specified period of time.

FEATURES

  • Minimum investment of $ 5,000.00.
  • Interest roll over option available PRIORITY INDIVIDUAL ACCOUNT
  • Non-interest bearing current account designed for individuals and their
  • families
  • FEATURES AND BENEFITS
  • ● Dedicated client relationship officer
  • ● Access to E-banking bouquet (SMS Alerts, Mobile Banking, Internet Banking)
  • ● Same-day value for cheques from reputable institutions
  • ● Zero COT on account
  • ● Flat monthly maintenance fee
  • REQUIREMENTS
  • ● A valid national ID (Passport, Voter’s ID, Driver’s license, National ID) of account signatory(ies)
  • ● Two passport size pictures of account signatory (ies).
  • flexible banking every day, everywhere
  • FEATURES AND BENEFITS
  • Access to E-banking bouquet (SMS Alerts, Mobile Banking, Internet Banking, E-statement, E-Alert, Peoples Card)
  • Maintain minimum account balance of $ 100.00
  • REQUIREMENTS
  • A valid national ID (Passport, Voter’s ID, Driver’s license, National ID) of signatory to account
  • Two passport size pictures of signatory to the account.
  • Sketch of direction to place of work and residence and/or utility bill to confirm place of work/place of residence.
  • secure investment, great returns
  • Investment account with fixed duration for Small, Medium and Corporate customers. Suitable for businesses with funds for investment over a specified period of time.
  • FEATURES
  • Minimum investment of $ 5,000.00.
  • Interest roll over option available.
  • BENEFITS
  • Maturities of 3, 6 and 12 months available.
  • Competitive interest rates.
  • REQUIREMENTS
  •  No need for an operational account (it is optional but staff must encourage clients to open accounts)
  • Completed FD application form.
  • Rapid solutions to solve short-term liquidity needs
  • Temporary Overdraft and same day value for cheques to meet short-term liquidity needs.
  • FEATURES AND BENEFITS
  • ● Competitive interest rates
  • ● Facility amount is based on active account turnover
  • ● Approval within 24 hours
  • ● Repayment within 14 days
  • ● Same day value for cheques from reputable institutions
  • REQUIREMENTS
  • ● 100% account turnover with Secure Standard International
  • ● Complete credit application form
  • loan to meet your personal needs
  • Loan for salary earners to meet personal and family needs.
  • FEATURES
  • Offer letter within 5 working days
  • BENEFITS
  • Competitive interest rates
  • Flexible payment terms
  • REQUIREMENTS
  • Completed application form
  • Open a current account with us
  • Channel your salary through the account
  • Pay slips for last 3 months
  • Guarantor and/or collateral
  • Last 6 months bank statement
  • Letter of undertaking endorsed by employer
  • CORPORATE BANKING
  • Explore solutions to help you do business in foreign countries and execute payments with confidence.
  • Treasury management solutions
  • International payments to 180+ countries
  • Foreign currency accounts in 23 currencies
  • Card acceptance solutions in 65 countries
  • Expertise in the audit, payment and reporting of cross-border shipments
  • Access to a Foreign Exchange Trading Desk that supports all active currencies throughout the global work week
  • Gain visibility and transparency with convenient online solutions. We invest in our online capabilities to keep pace as the needs of our clients evolve. Here are a few of the many ways you can access your global banking and payments activity online with desktop and mobile solutions:
  • Complete foreign exchange transactions.
  • Provide FX settlement.
  • Query outstanding and historical trade details.
  • Access global rollup reporting in 27 currencies for worldwide spend visibility.
  • CONSUMER BANKING
  • Get a complete view of your relationship.
  • See, sort and drive output based on your needs with flexible customization options.
  • Use previous and current day reporting, in addition to service specific special reports.
  • Retrieve your specified level of data quickly.
  • Link multiple checking accounts to share balances.
  • Choose to automatically concentrate excess funds and disburse funds to maintain your target balance.
  • Simplify your banking relationships, lower costs and make reconciliation easier by consolidating to a master account.
  • Streamline processes to reduce costs.
  • Consolidate cash and reporting.
  • Receive reporting for all master and sub-account activity as if it’s in a single account.
  • Monitor balances in each of the sub-accounts to view cash position and allocate income or costs.
  • Track cash contributions of each sub-account daily.le.

BENEFITS

  • Maturities of 3, 6 and 12 months available.
  • Competitive interest rates.

REQUIREMENTS

  •  No need for an operational account (it is optional but staff must encourage clients to open accounts)
  • Completed FD application form.

Rapid solutions to solve short-term liquidity needs

Temporary Overdraft and same day value for cheques to meet short-term liquidity needs.


FEATURES AND BENEFITS
● Competitive interest rates
● Facility amount is based on active account turnover
● Approval within 24 hours
● Repayment within 14 days
● Same day value for cheques from reputable institutions


REQUIREMENTS
● 100% account turnover with Secure Standard International
● Complete credit application form

loan to meet your personal needs

Loan for salary earners to meet personal and family needs.

FEATURES

  • Offer letter within 5 working days

BENEFITS

  • Competitive interest rates
  • Flexible payment terms

REQUIREMENTS

  • Completed application form
  • Open a current account with us
  • Channel your salary through the account
  • Pay slips for last 3 months
  • Guarantor and/or collateral
  • Last 6 months bank statement
  • Letter of undertaking endorsed by employer

CORPORATE BANKING

Explore solutions to help you do business in foreign countries and execute payments with confidence.

  • Treasury management solutions
  • International payments to 180+ countries
  • Foreign currency accounts in 23 currencies
  • Card acceptance solutions in 65 countries
  • Expertise in the audit, payment and reporting of cross-border shipments
  • Access to a Foreign Exchange Trading Desk that supports all active currencies throughout the global work week

Gain visibility and transparency with convenient online solutions. We invest in our online capabilities to keep pace as the needs of our clients evolve. Here are a few of the many ways you can access your global banking and payments activity online with desktop and mobile solutions:

  • Complete foreign exchange transactions.
  • Provide FX settlement.
  • Query outstanding and historical trade details.
  • Access global rollup reporting in 27 currencies for worldwide spend visibility.

CONSUMER BANKING

Get a complete view of your relationship.

See, sort and drive output based on your needs with flexible customization options.

Use previous and current day reporting, in addition to service specific special reports.

Retrieve your specified level of data quickly.

Link multiple checking accounts to share balances.

  • Choose to automatically concentrate excess funds and disburse funds to maintain your target balance.
  • Simplify your banking relationships, lower costs and make reconciliation easier by consolidating to a master account.
  • Streamline processes to reduce costs.

Consolidate cash and reporting.

  • Receive reporting for all master and sub-account activity as if it’s in a single account.
  • Monitor balances in each of the sub-accounts to view cash position and allocate income or costs.
  • Track cash contributions of each sub-account daily.

Brokerage and Advisory Service

Choose our Discretionary Management service.


Whether you’re investing for retirement, for a big purchase, or a rainy day, navigating the markets and choosing from among the thousands of securities out there can be daunting We believe that investing for yourself shouldn’t mean having to invest by yourself. So, when you become a full-service brokerage client, you get personalised advice on investment selection and portfolio construction from a professional adviser—a real person—based right here in our community (Bermuda and Cayman only). However, you are still in charge when it comes to how much to invest, in what, and when. Just say the word, and our trading desk will execute your trades for you, always at competitive rates.

If you prefer a more hands-on approach, Standard Meridian Merchant offers self-directed trading facilities for US-listed securities and international mutual funds through our secure online investment portal. Through our expansive global network of advisers, we can also provide qualifying investors access to select private equity investment options that concentrate on various industries and geographies.

Combined with a thorough understanding of your needs and investment preferences, this process enables us to assist you with the creation and ongoing management of an investment portfolio that’s just right for you, providing you with as much – or as little – assistance as you need along the way

Full-service brokerage clients enjoy:

  • Tailored investment advice
  • Access to market research and commentary from Standard Meridian Merchant’s expert team
  • Access to local and international equity, fixed income, and options markets, plus proprietary and third-party mutual funds
  • Comprehensive, easy-to-understand reporting and statements