Appenzeller Kantonalbank (AKB): The Local and Universal Bank of Appenzell | KreditSOS

The Appenzeller Kantonalbank (AKB) is the cantonal bank of the Canton of Appenzell Ausserrhoden. With a history dating back to 1876, the AKB has established itself as a fundamental pillar for the region's economy and society, offering a local service and competent advice. Owned by the Canton, the bank is distinguished by its solid reliability, strong local roots, and unlimited state guarantee. Its mission is to serve the financial needs of individuals, small and medium-sized enterprises, and public institutions, actively contributing to the sustainable development of the area.

What financial products does Appenzeller Kantonalbank offer?

The AKB offers a complete and versatile range of financial products and services, covering all the needs of its clientele, with a focus on simplicity and transparency. The offer includes:

• Online Bank Accounts and Credit Cards: Solutions for daily money management, savings, and payments.

• Mortgages: A wide choice of solutions for buying and building real estate.

• Pension (3a Funds and 3a Accounts): Solutions for retirement planning (Pillar 3a and 3b).

• Investments and Trading: Advisory services and online trading.

• Services for Businesses: Complete solutions for SMEs, farmers, and freelancers.

• E-Banking and Mobile App: Digital tools for modern banking management.

Appenzeller Kantonalbank's Mortgage Offers

As a cantonal bank, the AKB is a key partner for mortgages in the Appenzell Ausserrhoden region. With a deep knowledge of the local real estate market, it offers various types of financing, including fixed-rate mortgages, variable-rate mortgages, and SARON mortgages. Personalized advice is a strong point of the bank, with experts who assist you in choosing the most suitable solution, guaranteeing a high-quality service and a long-term partnership for your real estate investment. Here you can find more details on AKB's mortgages and compare them with other options.

Appenzeller Kantonalbank's Account and Card Offers

The AKB offers various current account and savings account solutions to meet the needs of individuals and businesses. Its current accounts are ideal for daily money management and are equipped with all modern features, such as QR-bill payment, and an efficient e-banking and mobile app service. The bank offers various debit and credit card options (Visa and Mastercard) that allow secure payments in Switzerland and abroad, often with bonus programs and insurance included.

Advantages and Disadvantages of Appenzeller Kantonalbank

To help you make an informed choice, here is a summary of the main pros and cons of relying on the AKB:

Advantages:

• Regional Roots: It positions itself as the leading bank in the Appenzell region, with a strong proximity to the customer and the local economy.

• Unlimited Cantonal Guarantee: It benefits from the unlimited guarantee of the Canton of Appenzell Ausserrhoden, which makes it one of the safest banks in Switzerland.

• Universal Bank: Offers a complete range of banking services for every need.

• Personalized Advice: Wide network of branches and counters in the canton for expert and in-person advice.

• Transparency: Clear conditions and direct communication.

Disadvantages:

• Costs: Some services may have standard costs, typical of cantonal banks, which might be less competitive than purely digital or low-cost banks.

• Geographic Focus: Its main focus and service density are in the Canton of Appenzell Ausserrhoden, with a smaller presence in other regions.

Contacting Appenzeller Kantonalbank: how to reach Appenzeller Kantonalbank's customer service

If you need assistance or would like more information, here is how you can contact the AKB's customer service:

• Phone: +41 71 353 30 00 (Monday to Friday, 08:00 AM – 5:30 PM)

• Email: akb@akb.ch

• Contact Form: Available on the official AKB website.

• Branches: You can go directly to one of the bank's numerous branches.

Appenzeller Kantonalbank Headquarters and Addresses

The AKB has its main headquarters in Herisau and a network of branches throughout the Canton of Appenzell Ausserrhoden.

• Main Headquarters: Appenzeller Kantonalbank, Bahnhofstrasse 8, 9100 Herisau, Switzerland

Other Locations/Branches: The AKB has branches in various locations in the canton, including Teufen, Speicher, and Trogen. For the complete list and specific addresses, it is advisable to consult the branch locator on the official AKB website.