Banking 1-0-1 -

Relationship banking 1-0-1

What exactly is relationship banking, and how can it help you reach your goals? Find out in your banking 1-0-1 guide to relationship and transactional banking.


Relationship banking is where a bank offers personalised services, tailored solutions, and a single point of contact to clients.

To become a client's all-in-one financial provider, the goal is to build a long-term relationship and deliver customised products and services when needed.

Many private banks already use this approach, and over the last decade, the concept has grown in popularity.

Read on for answers to all your relationship banking questions.


What is relationship banking?

Relationship banking takes a client-centric approach, delivering a personalised banking service that addresses their specific needs and lifestyles.

At Arbuthnot Latham, strong and meaningful relationships with our clients are at the heart of our business.

Our clients are exceptional people, and it is only through a full appreciation of their aims and aspirations that we can help them achieve their goals.


Why is relationship banking important ?

From businesses to high-net-worth individuals, people with complex needs benefit particularly from relationship banking and in today's fast-paced world, relationship banks provide support and advice and build connections with longevity.

Clients can feel more confident and prioritised when their bank understands both their personal and business goals, and access services specifically tailored to benefit them, whether looking for a mortgage, deposit account, wealth management advice, or a loan.

At Arbuthnot Latham, we take time to understand our client's lifestyle, goals, and financial needs.

This helps us deliver tailored financial advice and solutions to help them reach their objectives.


Relationship banking vs transactional banking:
What's the difference?

Transactional banking focuses on instant solutions and one-off services, attracting potential customers by offering competitive rates for whichever service they require. Relationship banking focuses on long-term client retention by getting to know an individual and their financial needs.


Pros and cons of relationship banking


  • Personalised level of service
  • Exclusive rates and products designed around the client
  • One point of contact for convenience
  • An established relationship


  • Switching to another bank can be a challenge if you have multiple accounts across the organisation (for example, a fixed-term deposit account and an investment portfolio)
  • Often, relationship-led banks charge fees associated with a more bespoke level of service.

Is relationship banking worth it?

A bank that knows your needs and priorities can recommend potential solutions and valuable advice, which is beneficial whether you are running a home or a business.

Our clients do not just enjoy a personalised service, but access to exclusive events and subject matter experts across the bank and a network of professionals further afield.


Further reading


Flexible lending solutions based on expertise and an understanding of your needs.


Becoming a client

Take control of your finances today by completing our enquiry form. Alternatively, you can call us on the number below and one of our team will be more than happy to talk about your future.

+44 (0)20 7012 2500

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