St. Galler Kantonalbank (SGKB): The Cantonal Bank of the Eastern Swiss Economy | KreditSOS

The St. Galler Kantonalbank (SGKB) is the cantonal bank of the Canton of St. Gallen, a public financial institution and a pillar for the economy of the entire Eastern Switzerland. Founded in 1868, the SGKB has evolved from a government bank to a modern universal bank, while maintaining a strong connection to its region. Its mission is to provide comprehensive banking services to individuals and businesses, contributing significantly to the economic, social, and cultural development of the area. It stands out for its solid reliability, extensive branch network, and an approach that combines tradition with digital innovation.

What financial products does St. Galler Kantonalbank offer?

The SGKB offers a complete and diverse range of financial products and services, covering all the needs of its customers. Its offering includes:

• Current Accounts and Savings Accounts: For daily money management and capital accumulation.

• Debit and Credit Cards: For payments and withdrawals in Switzerland and abroad.

• Mortgages: For buying, building, and renovating properties.

• Pillar 3a: Solutions for Pillar 3a and 3b, including pension accounts and funds.

• Investments and Wealth Management: Advisory services and online trading.

• Services for Businesses: Comprehensive solutions for SMEs and large companies.

• E-Banking and Mobile App: For modern and flexible banking management.

St. Galler Kantonalbank's Mortgage Offers

As a cantonal bank, the SGKB is a reference point for mortgages in Eastern Switzerland. It offers various financing solutions for house purchases, construction, or renovation. Its expert mortgage consultants provide comprehensive assistance, helping you choose the most suitable option for you, whether it's a fixed-rate mortgage, a variable-rate mortgage, or a SARON mortgage. The in-depth knowledge of the local real estate market and the bank's solidity guarantee a reliable service and lasting support for your real estate investment. Here you can find more details on SGKB's mortgages and compare them with other options.

St. Galler Kantonalbank's Current and Savings Account Offers

The SGKB offers various types of current and savings accounts 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 access to the e-banking service. The savings accounts, on the other hand, are designed to make capital grow with competitive interest rates, also offering specific options for youth or for wealth accumulation. The bank is committed to providing transparent management and clear costs.

Advantages and Disadvantages of St. Galler Kantonalbank

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

Advantages:

• Reliability and Cantonal Guarantee: It enjoys the solid reputation and guarantee of the Canton of St. Gallen.

• Universal Bank: Offers a complete range of banking services for every need, from individuals to large companies.

• Strong Regional Roots: Extensive network of branches and consultants in the Canton of St. Gallen and Eastern Switzerland.

• Digital Innovation: It has an excellent e-banking platform and an advanced mobile app for financial management.

• Commitment to Sustainability: The bank integrates sustainable practices into its operations and offers sustainable financial products.

Disadvantages:

• Geographic Focus: Although it offers services to all residents in Switzerland, its main focus is on the St. Gallen region and its surroundings.

• Costs: Some services and fees may have standard costs, typical of cantonal banks, which might be less competitive than purely digital banks for certain operations.

• Less International Flexibility: For very frequent foreign transactions, there might be more advantageous alternatives compared to banks specializing in that sector.

Contacting St. Galler Kantonalbank: how to reach St. Galler Kantonalbank's customer service

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

• Phone: +41 844 811 811 (Monday to Friday, 07:30 AM – 5:30 PM)

• Contact Form: Available on the official SGKB website.

• Email: info@sgkb.ch

• Branches: You can go directly to one of the numerous SGKB branches.

St. Galler Kantonalbank Headquarters and Addresses

The SGKB has its main headquarters in St. Gallen and a wide network of branches and ATMs throughout the region.

• Main Headquarters: St. Galler Kantonalbank AG, St. Leonhardstrasse 25, 9001 St. Gallen, Switzerland

• Other Locations/Branches: The SGKB has a widespread presence throughout the Canton of St. Gallen. For the complete list and specific addresses, it is advisable to consult the branch locator on the official SGKB website.