PRIVATE BANKING

A UNIQUE APPROACH

Our clients come first: Our focus allows us to anticipate the needs and desires of our clients, and understand them. We maintain excellence relationships by combining integrity and adaptive capacity through a dedicated, professional, independent and objective attention.



Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.



Access to global offer of investment products: This enables us to grant you access to a vast array of products of the domestic and international market, and provides different investment alternatives aimed at adequately diversified portfolios, ideal for each client.

We have the know how and expertisse of Banque Heritage Switzerland. www.heritage.ch

PRODUCTS AND SERVICES

PURCHASE AND SALE OF SECURITIES

• Corporate and sovereign bonds in various currencies (including USD, EUR, GBP, CAD, AUD, CHF).

• Common and preferred stock.

• Structured notes (including reverse convertibles, equity-backed notes, step-up notes).

• Investment Funds (including Templeton, Meridian, Blackrock).

• Assignments of deposits abroad.

• Different means to channel our clients’ instructions (e-banking, e-mail, telephone, fax, in person).

CUSTODY SERVICES

We provide domestic and international custody services for financial assets, including products such as corporate bonds, sovereign bonds, preferred stock, common stock, common investment funds, assignments of deposits, treasury bills, structured notes and alternative products.

ON OFF-SHORE PRODUCTS

Given our vast array of products and services, we are able to offer our investment clients the opening of accounts outside the country. To find about the conditions to access this service please contact our Private Banking Executives.

CASH MANAGEMENT AND TRANSACTIONAL SERVICES

Accounts:



• Current accounts, Savings accounts.

• Multicurrency accounts: UYU, USD, EUR, CHF, GBP, YEN.

• Wages accounts with e-banking for remote operation.

• All benefits from the Financial Inclusion Law with an Executive at your disposal.

• Benchmarking services to other financial entities in Switzerland and USA.



Debit card usable anywhere around the world through Maestro Network. Additional HHome debit cards with limit predetermined by the owner.



Mastercard Credit Card usable worldwide through Maestro Network.



Corner Card issued by the Swiss Corner Bank: prepaid card rechargeable with Client’s fund held in the account with Banque Heritage Uruguay.



State of the art E-Banking Platform to operate and check all products.



Wire transfers.



On-line payment of private and public services.



Safe Deposit Boxes



Personal loans.



Life and savings insurances.



Custody and management of checks for collection and post-dated checks.



Payment of Wages and payment to Suppliers.

NON RESIDENTS

• Long tradition in the opening of accounts for non-residents, individuals or companies, who come to invest in Uruguay.

• We grant mortgage loans to non-residents to facilitate the arrival of foreigners who wish to settle in Uruguay.

PLATFORM FOR PROFESSIONAL ADVISORS

Trading Desk Division exclusively dedicated to operate with professionals that provide investment management services. In this way, the service and the instructions may be executed with the efficiency and speed required.

CONSUMER BANKING

A UNIQUE APPROACH

Our clients come first: Our focus allows us to anticipate the needs and desires of our clients, and understand them. We maintain excellence relationships by combining integrity and adaptive capacity through a professional, independent and objective advice.



Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.



Access to global offer of products: We have a global array of highly competitive products.

PRODUCTS AND SERVICES

Accounts:



• Current accounts, Savings accounts.

• Multicurrency accounts: UYU, USD, EUR, CHF, GBP, YEN.

• Wages accounts with e-banking for remote operation.

All benefits from the Financial Inclusion Law with an Executive at your disposal. • Benchmarking services to other financial entities in Switzerland and USA.


Debit card usable anywhere around the world through Maestro Network. Additional HHome debit cards with limit predetermined by the owner.



Mastercard Credit Card usable worldwide through Maestro Network.



Corner Card issued by the Swiss Corner Bank: prepaid card rechargeable with Client’s fund held in the account with Banque Heritage Uruguay.



State of the art E-Banking Platform to operate and check all products.



Wire transfers.



On-line payment of private and public services.



Safe Deposit Boxes



Personal loans.



Life and savings insurances.



Custody and management of checks for collection and post-dated checks.



Payment of Wages and payment to Suppliers.

LOCAL CORPORATE BANK

EACH CLIENT, A DIFFERENT WORLD

Tailored solutions: Solutions are adapted and tailored to each client, with relationships based on trust and reciprocal knowledge.



Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.



Access to full range of products: Our comprehensive array of highly competitive products is designed for each industry and sector.

PRODUCTS AND SERVICES

FINANCING SERVICES

• Short and medium term financing.

• Tailor-made structured transactions.

• Lombard loans (Offer the client the possibility to gain access to a credit facility backed by its portfolio securities).

• Pre and post export financing.

• Discount of bills and factoring.

• Opening of Letters of credit.

• Seasonal and farm loans.

• Leasings.

• Overdraft agreements.

FOREIGN TRADE

• Letters of Credit.

• Collections.

• Direct collections with electronic operations: avoids coming to the bank and saves time and money.

• Guarantees.

TREASURY AND INVESTMENTS

• Foreign exchange desk: currency exchange services, cash and credit (Forwards and NDFs).

• Money desk: cash and term deposits in various currencies.

Sale of holdings in deposits with foreign banks.

• Stock market: Treasury Bonds, Treasury Bills, Stock, etc.

• Negotiable notes, investment funds.

E-BANKING PLATFORM

State of the art platform to operate your accounts and products in a quick, simple and safe manner.
We use top-tier security devices available for this type of services.

CASH MANAGEMENT AND TRANSACTIONAL SERVICES

Securecheck: This product enables digital and remote deposits, without coming to the Bank.



Securepay: With this service you can send payment instructions to the Bank through a direct connection between the company system and the bank system (encrypted channel).



Accounts:



• Multicurrency savings and current accounts: UYU, USD, EUR, CHF, GBP, YEN, YEN.
• Wages accounts with e-banking for remote operation.
All benefits from the Financial Inclusion Law with an Executive at your disposal.
• Benchmarking services to other financial entities in Switzerland and USA.

Wire transfers – domestic and worldwide.

State of the art E-Banking Platform to operate and check all products.

Correspondent collection networks throughout the country, for deposits and withdrawals from Heritage accounts.

On-line payment of private and public services.

Debit card usable anywhere around the world through Maestro Network. Additional HHome debit cards with limit predetermined by the owner.

Mastercard Credit Card usable worldwide through Maestro Network.

Corner Card issued by the Swiss Corner Bank: prepaid card rechargeable with Client’s fund held in the account with Banque Heritage Uruguay.

Safe Deposit Boxes

Personal loans

Life and savings insurances

Custody and management of checks for collection and post-dated checks.

Payment of Wages.

Payment to Suppliers.

PAYMENT AND ESCROW AGENT

INTERNATIONAL CORPORATE BANK

EACH CLIENT, A DIFFERENT WORLD

Tailored solutions: Solutions are adapted and tailored to each client, with relationships based on trust and reciprocal knowledge.



Dedicated team: We have specialized executives that go to where our customers are, and a state-of-the-art technological platform to operate remotely.



Access to full range of products:: We have a comprehensive array of highly competitive products, both domestic and regional.

PRODUCTS AND SERVICES

FINANCING SERVICES

• Short and medium term financing.

• Tailor-made structured transactions.

• Lombard loans (Offer the client the possibility to gain access to a credit facility backed by its portfolio securities).

• Pre and post export financing.

• Discount of bills.

• Opening of Letters of credit.

• Overdraft agreements.

FOREIGN TRADE

• Letters of Credit.

• Collections.

• Direct collections with electronic operations: avoids coming to the bank and saves time and money.

• Guarantees.

TREASURY AND INVESTMENTS

• Foreign exchange desk: currency exchange services, cash and credit (Forwards and NDFs).

• Money desk: cash and term deposits in various currencies. Sale of holdings in deposits with foreign banks.

• Stock market: Treasury Bonds, Treasury Bills, Stock.

• Negotiable notes, investment funds.

E-BANKING PLATFORM

State of the art platform to operate your accounts and products in a quick, simple and safe manner.


We use top-tier security devices available for this type of services.

CASH MANAGEMENT AND TRANSACTIONAL SERVICES

Accounts:


• Current accounts,


• Savings accounts.


• Multicurrency accounts: UYU, USD, EUR, CHF, GBP, YEN.

• Benchmarking services to other financial entities in Switzerland and USA.



Wire transfers – domestic and worldwide.



State of the art E-Banking Platform to operate and check all products.



Debit card usable anywhere around the world through Maestro Network.



Additional HHome debit cards with limit predetermined by the owner.

Mastercard Credit Card usable worldwide through Maestro Network.

Corner Card issued by the Swiss Corner Bank: prepaid card rechargeable with Client’s fund held in the account with Banque Heritage Uruguay.

On-line payment of private and public services.

Safe Deposit Boxes.

Life and savings insurances.

PAYMENT AND ESCROW AGENT

ABOUT BANQUE HERITAGE

WHY BANQUE HERITAGE

A prestigious tool within your reach.
We are a Swiss bank, synonym of trust, soundness and prestige.

We have the know how and expertisse of Banque Heritage Switzerland. www.heritage.ch



Our focus, your needs.


We provide a personalized service, with a state of the art technological platform and a vast array of local and regional products designed for each sector and industry.



The strength of being sensitive.


We are a Boutique Bank. We provide:


• customization and prompt assistance;


• flexibility to structure tailor-made solutions;


• quick decision-making.

HISTORY

Banque Heritage is a Swiss private bank with headquarters in Geneva, regulated by the Swiss Financial Market Supervisory Authority (FINMA). In Uruguay, we are an institution with more than 30 years of existence and a solid track record.



Banque Heritage Uruguay was founded in 1981 as "Surinvest Casa Bancaria" and in 1991 it was licensed to act as a Bank. At that date, the block of shares was composed of 6 major financial institutions (IFC, Rabobank, HSBC, Wachovia, BICE and Unibanco). In 2007, Banque Heritage Switzerland acquires part of the Bank, an acquisition that was finalized in June 2010 when it acquired the whole block of shares and became the Bank`s only shareholder.



In 2011 Banco Surinvest S.A. went through a significant change of name process and was renamed Banque Heritage (Uruguay) S.A. In December, 2013, Banque Heritage Uruguay acquires the consumer and corporate banking businesses of Lloyds TSB Uruguay.



Banque Heritage Switzerland has diversified its activities by creating Banque Heritage Uruguay as a “Swiss” Private Banking transaction, capitalizing on the extensive Wealth Management experience of Banque Heritage Switzerland.



Banque Heritage Uruguay has consolidated in the region as an independent financial institution, combining an in-depth knowledge of the local financial markets with the support of a global stockholder.

The Bank specializes in Corporate and Private Banking, and offers its services to natural and legal persons that seek to develop a long-term business relationship while they benefit from world-class financial products and services.



The activities of the Bank are carried out in its headquarters and in two branches located in the city of Montevideo, under the supervision of the Central Bank of Uruguay. (www.bcu.gub.uy) The integrated control system adopted by the Bank guarantees that all transactions are executed within the highest degree of security and trust.

BOARD OF DIRECTORS

Our Board of Directors is formed by:



Marcos Esteve


Carlos Esteve


Victor Zerbino

HUMAN RESOURCES

In our institution, the motivation and development of our professionals is one of the key element of our Human Resources policies.


The annual performance assessment is an open and transparent process.


Our staff’s climate of opinion is systematically checked. Continuous training is one of the Bank’s strategic targets, facilitating the development of the skills, proficiencies and interests of our co-workers.


Team-work, client focus and our ethical mandates are some of the guiding principles for our Human Resources management.


We promote the values of equality of opportunities, non-discrimination of persons and respect of the fundamental rights of employees.



Send your CV to our Human Resources department: rrhh2@heritage.com.uy


REGULATORY INFORMATION

Corporate Governance

Code of Professional Ethics

Code of Good Practices

Deposit Guarantee

The Bank Deposit Guarantee Fund created under Law 17.613 of December 27, 2002, covers each natural or legal person in accordance with the following cap amounts:
1). For all deposits in foreign currency held in the institution, up to the equivalent of 10,000 United States dollars.
2) For all deposits in national currency held in the institution, up to the equivalent to 250,000 Indexed Units.

If, at the moment of occurrence of the event that triggers the coverage of the Bank Deposit Guarantee Fund, the holder of the deposit is a shareholder or a member of the senior staff of the depository institution, a spouse thereof or a natural or legal person of the same economic group, it shall not be covered by such guarantee. Shareholders having an interest of the financial intermediation cooperatives mentioned under Article 12 of Law No. 17.613 of December 27, 2002 will not be included in the above exemption.



The Bank Deposit Guarantee Fund does not cover:

a. Deposits pledged as security of credit transactions with the financial institution itself.

b. Deposits against which a negotiable certificate of deposit has been issued, as from March 7, 2005.

c. Any other investment made against the issue of a negotiable security in the stock markets.

d. Subordinate deposits effected as from March 7, 2005.

e. Deposits of financial institutions.

f. Deposits constituted by the Central Government and the Social Welfare office (Banco de Previsión Social) with Banco de la República Oriental del Uruguay and Banco Hipotecario del Uruguay as from January 1, 2006.

g. Funds contributed by members of groups or consortiums, regardless of their legal form or the business in which they are engaged, to be jointly and reciprocally applied to the acquisition of certain goods and services.

Infórmese sobre la Garantía de Depósitos, en su institución de intermediación financiera o en el sitio webwww.copab.org.uy , o en el correo electrónico infocopab@copab.org.uy

Risk Ratings

Data Protection and Computer Security

BRANCHES


Tel.: (+598) 2916 0177
Fax: (+598) 2916 5256
Swift: suriuymm

HEADQUARTERS

Rincón 530.
CP 11.000.
1 to 5pm.
Autoservice for cash and checks deposits: 10am to 5:30pm.

CARRASCO BRANCH

Dr. Gabriel Otero 6462.
CP 11500.
1 to 5pm.




CONTACT US

CONTACT US

NAME *

LAST NAME *

NUMBER OF IDENTITY CARD

ACCOUNT Nº

CONTACT TELEPHONE NUMBER

E-MAIL *

COMMENTS




Tel.: (+598) 2916 0177
Fax: (+598) 2916 5256

Swift: suriuymm

REPORT OF LOSS/STOLEN

Credit cards:


In Uruguay: call 29026800
From abroad : call 005411 4330 5656, 24 hours a day, 7 days a week



Debit cards:


Contact (+598) 29161234, 24 hours a day, 7 days a week



Lost Checks:


File a police report. Make sure it contains as much details as possible (account number, series, check number, amount, order or bearer check). The original report must be submitted to the bank.

COMPLAINTS DEPARTMENT

Form
Download

Please use the form in the “Contact us” section if you have any inquiries or if you would like more information of products and services.



Banque Heritage Uruguay has a Claims Service.



In case your claim cannot be solved immediately, you must complete the form that appears on this screen.

 

The Estimated response time will not be greater than 15 calendar days counted from the date of submission of the claim and, provided that the nature of the claim so warrants, it may be extended for a single time for another 15 calendar days.

 

If case of not receiving a response in due time and form by Banque Heritage Uruguay, you may submit the claim to the Central Bank of Uruguay through the website: www.bcu.gub.uy

NAME *

LAST NAME *

NUMBER OF IDENTITY CARD

ACCOUNT Nº

CONTACT TELEPHONE NUMBER

E-MAIL *

PRODUCT OR SERVICE

DESCRIPTION OF THE CLAIM




COMMUNICATIONS AND NEWS

SUSTAINABILITY

OUR COMMITMENT

We are an institution with a purpose in creating economic, social and environmental value, preserving resources for future generations.

We are committed to:
• promote an internal culture of environmental, social and governance sustainability;
• contribute to generate awareness, knowledge and support in our community;
• encourage our suppliers and clients to join in this journey;
• be transparent and report publicly and periodically our steps in this matter.

Our work is framed by two main pillars: culture and education.




Commitments and adhesions:

SDG: We integrate into our management the Sustainable Development Goals (SDG) that guide the agenda of the international community until 2030.

REIF: We adhere to the Renewable Energy Innovation Fund to finance the 2nd energy transition in Uruguay.

We integrate the Uruguayan Sustainability Table convened by the Central Bank (BCU), to define the Agenda for Sustainable Finance in Uruguay.

WEPs: We adhere to the UN Women's Empowerment Principles, for gender equity and equality.

Deres: We are partners to the network of companies for Sustainable Development, that promote the incorporation of sustainability practices in Uruguayan companies.

RedME: We signed an alliance with the Network of Executive Women of Uruguay, that promote the leadership of women to transform organizations in Uruguay, from an equity and complementary point of view.

SOCIAL IMPACT

We are working on our sustainability governance, we share our initiatives here:

• Social impact initiatives – 2021

ENVIRONMENTAL IMPACT

We are working on our sustainability governance, we share our initiatives here:

• Environmental impact initiatives – 2021

GOVERNANCE

We are working on our sustainability governance, we share our initiatives here:

• Governance initiatives – 2021