MarketsOct 24, 2026 · 6 min read
What the latest Fed decision means for your cash deposits
Our Chief Economist breaks down the dot plot and what to actually do about it.
Priya Nair
Treasury Services
FDIC insured · Deposits protected up to $250,00024/7 support: 1-800-555-0142Routing & SWIFT: HCBKUS33
Est. 1989 · Member FDIC
A quieter kind
of private bank.
Personal, business and corporate accounts with clear terms, every major currency, and an advisor who actually picks up the phone.
4.9 from 12,400+ clients
Karen Bishop
Private Client Advisor · Available now
FDIC insured256-bit encryptionAdvisors in 14 cities24/7 private supportRouting · HCBKUS33$4.2B moved annually
1900
Founded
0k+
Clients served
$0.0B
Moved each year
< 0
Minutes to a human
Who we bank
One bank, every stage of your finances.
From a first paycheck to a multi-entity treasury — the same people, the same standards.
Everyday banking, done properly.
From a first paycheck to a lifetime of savings — one account for every currency you live in.
- Multi-currency accounts & virtual cards
- Savings that actually earn
- A named advisor, not a call centre
What we offer
Everything you need, under one roof.
A full-service private bank — from your first debit card to a syndicated facility. Every service staffed by people you can name.
Checking
USD, EUR, GBP and CAD side by side. No minimums.
Learn more →Savings
4.25% APY on your emergency fund, paid monthly.
Learn more →Cards
Issue virtual and metal cards, freeze from your phone.
Learn more →Lending
Personal, business and agricultural loans, underwritten here.
Learn more →FX & Wires
Send in 35+ currencies at mid-market rates, no spread.
Learn more →Treasury
Liquidity management, sweeps and custom controls.
Learn more →Insurance
Life, home, auto and business — one annual review.
Learn more →Wealth
Advisory for inheritance, retirement and private markets.
Learn more →The Norvian app
Every account. One calm screen.
See USD, EUR, GBP and CAD side by side, send money with a PIN, freeze a card in a tap, and message your advisor without leaving the app.
Instant transfers
Between Norvian accounts in seconds
Virtual cards
Issue, freeze and limit in a tap
PIN-confirmed
Every payment verified by you
Real advisors
Message a person, not a bot
Good morning
Amara.
USD Everyday
Available balance
$442,971.00
Payroll — Northwind+$8,450.00
Apple Store−$1,299.00
Delta Air Lines−$843.20
How it works
Three steps between you and a calmer bank.
01
Apply in five minutes
Open your account from your phone. One form, no branch visit, no faxed documents.
02
Verify, calmly
A real person reviews your application the same business day and lets you know what's next.
03
Meet your advisor
You'll be introduced by name on day one — not a call centre, not a chatbot, not ever.
Karen Bishop
Your advisor · available now
Security first
Your money is safe, and it stays yours.
FDIC insured
Eligible deposits are protected up to $250,000 per depositor.
Bank-grade encryption
Your data is secured in transit and at rest, 24/7.
PIN-confirmed transfers
Every payment you send is confirmed with your private PIN.
Fraud monitoring
We watch for unusual activity and alert you the moment it matters.
Where we work
Fourteen cities.
One standard.
Norvian keeps a small, considered footprint — only where a private bank makes a difference. Your account travels with you, and the advisor you know does too.
Our officesPresence
- New York
- London
- Zürich
- Singapore
- Toronto
- Dubai
- San Francisco
- Chicago
- Miami
- Boston
- Dallas
- Luxembourg
- Hong Kong
- Geneva
Opening soon in Mumbai, Sydney and São Paulo.
Our people
Meet the people behind your money.
Karen Bishop
Personal Banking
Michael Reyes
Corporate Relationships
Adaeze Okafor
Business Banking
Thomas Wright
Wealth & Lending
Robert Hale
Private Client
Priya Nair
Treasury Services
Client stories
4.9 from 12,400+ clients
“After 30 years with a big bank, switching felt daunting. Norvian made it simple — and I actually reach a human when I call.”
Robert Hammond
Retired engineer
Recognition
Judged by the people who judge banks.
2025
Private Bank of the Year
Euromoney Awards for Excellence
2024
Best Multi-Currency Account
The Banker Innovation Awards
2024
Top 10 Private Banks in the US
Forbes
2023
Client Satisfaction, Platinum
J.D. Power
As featured inThe New York TimesThe EconomistBloombergFinancial TimesForbesWSJ
Insights
Reading worth your time.
MarketsBusinessOct 18, 2026 · 4 min read
A simpler way to think about working capital in 2026
Three balance-sheet moves small businesses can make before year-end.
Adaeze Okafor
Business Banking
Private ClientOct 11, 2026 · 7 min read
Multi-currency savings: when a dollar isn't just a dollar
How families with cross-border lives are rethinking where cash sleeps.
Karen Bishop
Personal Banking
Questions
Everything you were going to ask.
Still unsure? Message an advisor directly — most questions answered inside the hour.
Talk to usYes. Eligible deposits are protected up to $250,000 per depositor, per insured bank, in each account ownership category. See our deposit protection notice for full details.
A government-issued ID, your Social Security number (or passport and visa if you're a non-resident), and about five minutes. For businesses, your formation documents and the names of signatories.
Yes. Every client is introduced by name to an advisor. You'll reach them directly, not a call centre — most calls are answered inside two minutes during business hours.
Within our correspondent network (36 countries), same-day. SWIFT MT103 wires clear in 1–2 business days. You see every status update live in the app.
No monthly fees on Personal and Business checking. Wires and FX are quoted upfront — no spread baked in. Corporate pricing is bespoke and always in writing.
We'll move your recurring transfers, standing orders and payroll deposits for you. Most switches finish in under a week; our team coordinates with your old bank on your behalf.
The Norvian Letter
Monthly reading, from a bank that reads.
A short dispatch — the markets in plain English, a client story, and one idea worth your attention. No sales, no spam, no five-page prospectus.
Open your account today.
It takes about five minutes. No branch visit, no paperwork, no pressure.
