Compare two private banks

What you can prepare

For people with two banking proposals who want to compare total costs, service and conditions before deciding.

A practical example before you download

In our fictional EUR 2m case, a headline management fee of 0.60% produces EUR 22,200 of modelled annual costs, compared with EUR 19,200 for an offer at 0.75%. Included and separate items explain the difference. The guide details every calculation and shows how one-off fees can reverse the first-year comparison.

Invented educational examples: not market prices, a personal simulation or a recommendation.

What is inside the PDF

• A complete worked example and two variations to test assumptions.
• 46 fillable fields: costs, service evidence, unknowns and next actions.
• A comparable request outline for banks and a transfer plan.

How do I use it?

Read the example, then complete your worksheets using professionals’ written information. Calculations are manual. Open the PDF in a compatible reader and save your copy; your answers are not sent to the website.

Sources and methodology

Edition dated 2 October 2026, prepared by Diez de Cambournac, Luxembourg. Worksheets and examples are an original educational synthesis. The sources below provide background; they do not endorse the guide.

• 1. ESMA - Information individualisée sur les coûts / Individualised cost disclosure

  Background on service and instrument costs. This workbook’s tables, figures and questions are XdC editorial tools, not official templates.

• 2. FGDL - Garantie des dépôts / Deposit guarantee

  Consult for deposit eligibility and the institution concerned. Do not extend deposit protection to investments.

• 3. CSSF - Recherche des entités / Entity search

  A starting point for checking a Luxembourg entity; also verify its precise authorised scope.