● We specialize in Private Banking for the professional management of savings and wealth of residents and non-residents, and in Commercial Banking in providing funding solutions and treasury management to local and international companies.

● This niche bank model allows us to:
– Provide customized attention with dedicated executives.
– Be flexible, by offering tailor-made solutions to meet customer needs.

● We have a long-standing tradition of opening accounts to non-residents who come to invest in Uruguay, both individuals and companies.

● We grant mortgage loans to non-residents to facilitate their arrival and settlement in Uruguay.

● We apply a model of Open architecture of investment products , with local and international custody.

● We have extensive expertise in Foreign Business , a long-standing product with service specialization.

● We develop specific products for corporate customers, with special mention to:

-SecureCheck for remote digital deposit of checks, without the need to come to the Bank.

-SecurePay to send payment instructions to the Bank through a direct connection between the company system and the bank system (encrypted channel).

–Flexible e-banking it being possible to configure the scheme of signatures that the customer needs to approve payments and other transactions.

● We offer funding facilities for the agricultural sector to purchase lands devoted to livestock, agriculture or forestry; and with our own Heritage cattle Trust for ranch financing.

● We grant specific financing lines for SMEs and projects with a positive environmental impact.

Political stability

The longstanding political and financial stability of Uruguay, and its open and cosmopolitan society, makes it an ideal platform for projecting businesses towards the region and the world.

Consolidated democracy

Uruguay is notable for its consolidated democracy and an institutional stability with longstanding tradition of respect to public and private contracts. This is guaranteed by the independence of the judicial power.

A solvent financial system

Uruguay’s financial system is robust, stable and developed, with a significant level of liquidity and low default rates. The financial system is regulated by the Central Bank of Uruguay.

Uruguay is oriented towards foreign investment

• Foreign investors and national investors are treated alike.

• No restrictions to foreign ownership.

• Free trade zones.

• Free mobility and transfer of capital and profits.

• Free convertibility of currencies.

• Free mobility and transfer of capital and profits.

Risk rating uyA+ granted by Standard & Poor´s. Transparency Uruguay is regarded as the most transparent country in Latin America, according to the 2020 Corruption Perception Index prepared by the NGO Transparency International (TI). Read More.

ESG Leadership

Uruguay is showing strong leadership in its performance in environmental, social and institutional factors. In October 2021, the country obtained the best rating in the JP Morgan ESG ranking for emerging markets. Policies to protect the environment, the transformation of the country’s energy matrix, as well as the quality of its institutions and democracy, with respect to the law, freedom and social peace, explain this outstanding score.

The only Swiss bank in Uruguay.

Wholly owned subsidiary of Banque Heritage Switzerland, with Head Office in Geneva and branches in Zürich, Basel and Sion.

The majority shareholder is the Esteve Family, of Catalan origin, who created a family office in Geneva in 1986 to manage the family wealth.

The family’s entrepreneurial origins date back to 170 years in the international trade business of agricultural commodities with the family business ECOM with presence al over the world with 35 offices and is world leader in its main businesses: cotton, coffee and cocoa.

In Uruguay we have 40 years of existence as a financial institution.

We are supervised by the Central Bank of Uruguay.

Wealth management for residents and non-residents.

Simple account opening:

Agile and flexible solutions: We specialize in providing personalized attention with dedicated executives, and being flexible by offering tailor-made solutions to meet customer needs.

Variety of investment and diversification products: We provide our customers a wide range of products of the national and international market and several investment alternatives, so that you may have access to appropriately diversified portfolios, suitable for the investment profile previously prepared with each customer.

Open architecture: This model is the cornerstone of our philosophy and of Banque Heritage operations worldwide; it allows us to adjust to the specific profile of each customer. We have the expertise of Banque Heritage Switzerland. www.heritage.ch

Support to financial advisors and wealth managers: Our team provides support to financial advisors and wealth managers through our EAM Desk. Our service includes management platforms and tools whereby you may offer your customers a service of excellence.

Trust management and escrow accounts: We have a highly specialized team dedicated to the management of escrow and trust accounts. We provide several tools and our e-banking platform and app intended to ensure optimum management and follow-up.

Accounts for non-residents Long tradition in the opening of accounts for non-residents.
We grant mortgage loans to non-residents to facilitate the arrival of foreigners who wish to settle in Uruguay.

Track record: Banque Heritage Uruguay has an extensive history in the service to national, regional and international companies, based on mutual trust and in-depth knowledge of local and international business.

Agile and flexible solutions: Our niche business provides us with the agility and flexibility required to offer personalized service with customized solutions, capable of adapting to the reality of the market and of each company.

Foreign trade expertise: Our Foreign Trade Department is one of our great strengths, based on our long-standing experience, know-how and outstanding dynamism.

Department specialized in International Banking: Our International Commercial Banking services are designed to meet the cash flow needs of non-resident Businesses and Uruguayan Companies engaged in trading transactions. We place at your disposal our e-banking platform and app to manage and follow-up your transactions.

Financing for SMEs and positive impact projects: Banque Heritage Uruguay partners with KFW DEG in 2021 to boost its development growth in the financing of SMEs and projects with a positive environmental and social impact, thus reinforcing the bank’s commitment to the environment and sustainability, the development of SMEs and companies with a positive impact.

Heritage Livestock Trust: Since the Law 17.703 of October 2003, Trusts become a relevant alternative for the structuring of businesses in Uruguay. Its appeal is fundamentally its flexibility and versatility. The bank has a specialized team to handle livestock businesses through this Trust.

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 40 years of existence.

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, Banco Roberts, First Union, Bicecorp 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. It was renamed Banque Heritage (Uruguay) S.A. in 2011.

In December, 2013, Banque Heritage Uruguay acquires the consumer and corporate banking businesses of Lloyds TSB Uruguay.

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 activities of the Bank are carried out in its headquarters and the Carrasco branch, under the supervision of the Central Bank of Uruguay. (www.bcu.gub.uy)

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

The annual performance assessment is an open and transparent process.

We carry out climate of opinion surveys. Continuous training is one of the Bank’s strategic targets, facilitating the development of the skills, proficiencies and interests of collaborators.

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

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

Send your CV to Human Capital Management: rrhh2@heritage.com.uy

Credit cards:

In Uruguay: call 29026800
From abroad : call 005411 4340-5656, 24 hours a day, 7 days a week

Debit cards:

Contact (+598) 29019880, 24 hours a day, 7 days a week

Prepaid Cornèrcard:

Call 0041 91 800 41 41.

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 to block the payment.

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

Our sustainability strategy is based in financing businesses with investment projects with a positive impact from an environmental point of view; and in offering our clients the possibility of investing in sustainable investment products.

Also we have a social perspective focused on the promotion of sustainability and financial education, and the promotion of women's development and leadership. All this within the framework of a strong commitment to ethics and transparency.

See presentation here

We are facing a continuous process that will evolve adapting to the changes and challenges that are generated in the community. As a way of accompanying and responding to these changes and keeping ourselves updated, we will adhere to the best practices and create different alliances.

Local Alliances:

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.

We are part of the Network of Companies for the Sustainable Development of Uruguay (Deres), which promotes the incorporation of sustainability practices in Uruguayan companies.

We signed an alliance with Red de Mujeres Ejecutivas del Uruguay (RedME), that promote the leadership of women to transform organizations in Uruguay, from an equity and complementary point of view.

Repapel We support Repapel which has been dedicated to Environmental Education and Circular Economy in Uruguay for more than 20 years, to recover waste that is recycled and transformed into materials that return to educational centers for use, as well as in activities of training and volunteering.

Anima – We join its Baccalaureate project aimed at developing the necessary skills for labor and social inclusion of young people in vulnerable situations, as a Training Company through Dual Education, and we also seek to contribute to their project through training and exchange instances.

Forge – We support their work of labor insertion of young people, supporting their programs for the development of key socio-emotional and digital skills for the jobs of the future, and through instances of training.

Desem – We join to collaborate with their educational projects for Entrepreneurial Education, Preparation for the Future and Financial Education of young students.

International Alliances:

We signed an agreement with the Banco de Desarrollo Alemán DEG for USD 12MM to finance projects of positive environmental and social impact and national SMEs.

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

We integrate the UN Sustainable Development Goals (SDGs) into our management, which are the guide and set the global agenda until 2030.

We adhere to the United Nations Global Compact , the biggest initiative of business sustainability of the world, promoted by UN.

We prepare our anual reports to describe what we do regarding sustainability andenvironmental protection at Banque Heritage. We seek to contribute to the sustainable development of the country and to be transparent on the matter. It is also a commitment to continual improvement on this subject.

The financial industry has a strong influence and impact on people’s lives and communities, and in Banque Heritage we believe that this carries out great responsibility. At Banque Heritage we are committed to promoting sustainable financing and investments; and being an institution that generates value in a sustainable manner.

We invite you to join us in reading our reports where we share our strategy and our progress.

In this way, we aspire to have a performance of which our collaborators, clients, suppliers and shareholders can feel proud.

We invite you to read:

2023 report
2022 report
2021 report