A private bank that
sees the whole picture.
Everyday banking gets capital moving. Private banking is what sits above it — the structuring, the lending, and the discretion required when personal, corporate and trust-held capital have to be held as one relationship without being commingled. One banker, every entity, one consolidated view.
Three disciplines, one relationship.
Structuring
Personal, corporate and trust capital opened as distinct legal entities — each with its own mandate, signatories and KYC file — then mapped from day one into a single consolidated record. Nothing is netted in the ledger; consolidation happens only in the reporting layer.
- Entity architecture designed alongside your own tax and legal counsel, never in place of it
- Segregated, ring-fenced balances beneath every entity, held at tier-one custodians
- Beneficial-ownership mapping and periodic KYC refresh scheduled to risk rating, not left to lapse
Bespoke Lending
Liquidity without forcing a sale. Lombard facilities secured against a marketable portfolio, and bespoke lending against less liquid holdings, sized to the asset and the horizon rather than a retail matrix.
- Lombard credit lines against custody-held securities, drawn and repaid on demand
- Bridging against concentrated stock, property or an anticipated liquidity event
- Terms structured around lock-ups, secondary windows and tax timing, with independent advice assumed
Institutional FX
Cross-border capital priced against live interbank spreads, not a retail markup — with a best-execution obligation applied to every conversion and the reference rate shown alongside the price you are offered.
- 30+ currency pairs, benchmarked to the WM/Reuters 4pm fix or live interbank mid
- Correspondent relationships across the Eurozone, North America, the Gulf and Asia-Pacific
- A dedicated desk for structured, block or time-sensitive transfers
Built for principals who move capital, and countries, without friction.
One relationship manager, every entity, one consolidated view.
Personal, corporate and trust-held capital are opened as distinct legal accounts — each with its own mandate and reporting line — but structured to roll up into a single relationship record. The consolidation happens in the reporting layer, never in the ledger.
Client money sits in segregated, ring-fenced pooled accounts at tier-one custodian banks under each entity — never on Fortera Nova's own balance sheet. The relationship layer sits above that structure; it does not change which entity legally holds which balance.
Private banking, answered plainly.
What is the difference between private banking and everyday banking?
Everyday banking moves money: accounts, payments, cards and foreign exchange. Private banking is the layer above it — structuring capital across personal, corporate and trust-held entities, arranging credit against assets rather than income, and holding all of it as one relationship with a single point of accountability. The distinction is not the size of the balance but the complexity of the picture.
What is Lombard lending, and how is it used?
A Lombard facility is a credit line secured against a marketable investment portfolio held in custody. It lets a principal raise liquidity without selling an asset — useful when a sale would crystallise tax, break a lock-up, or force an exit at the wrong moment. Lines are drawn and repaid on demand, and sized against the specific holdings pledged rather than a standard retail matrix.
Can personal, corporate and trust accounts be held in one relationship?
Yes. Each is opened as a distinct legal entity with its own mandate, signatories and KYC file, and nothing is netted between them in the ledger. Consolidation happens only in the reporting layer, so one banker and one dashboard cover every entity while the legal separation of each balance is preserved.
How is client money protected?
Balances sit in segregated, ring-fenced accounts at tier-one custodian banks beneath each entity — never on Fortera Nova's own balance sheet. The relationship layer sits above that structure and does not change which entity legally holds which balance.
Do you earn commission on the products you recommend?
No. The house is designed so that returns come from a discipline it owns and can explain — its own investment desk — rather than from distributing third-party product for a margin. Structuring is designed to work alongside your own tax and legal counsel, never in place of it.
A banker who knows the answer before you ask.
Founding members shape the structuring, lending and FX desks before they open more broadly.
Enquire About Membership