What Is Private Banking?

By Kristi Waterworth – Updated Oct 13, 2025 at 7:52 PM

Key Points

Private banking serves HNWI by consolidating finances, offering tailored loans, and investment advice.
Eligibility for private banking often starts at $750,000 in assets, with higher tiers unlocking more services.
Services include financial and estate planning, tax strategies, lending options, and exclusive investment access.

You’ve heard of banking with perks, but what about private banking? It’s a whole different kind of banking that can be incredibly valuable for the right people.

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Two people talking over a desk in an office. — Image source: Getty Images.

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About the Author

Kristi Waterworth has been a contributing real estate and financial expert at The Motley Fool, covering real estate, investing, and personal finance topics, since 2020. Kristi has been interviewed by various TV media outlets and podcasts for her real estate investing expertise – from residential real estate to digital real estate and everything in between. Kristi’s journalist career spans over 25 years, and she has written about real estate investing, homeownership, and home construction specifically for the last decade. She was also previously a licensed Realtor and general building contractor before the Great Recession and housing market collapse. She holds a bachelor’s degree in American history from Columbia College in Missouri.

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Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Kristi Waterworth has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.