Contact

Are you a client? You should contact your private banker. 
You are not a client but would like to have more information about Societe Generale Private Banking? Please fill in the form below.

Local contacts

France : +33 (0) 1 42 14 20 00 (9am - 5pm)
Luxembourg : +352 47 93 11 1 (8:30am - 6pm)
Monaco : +377 97 97 58 00 (9/12am - 2/5pm)
Switzerland : Geneva +41 22 819 02 02
& Zurich +41 44 218 56 11 (8:30am - 5:30pm)

You would like to contact about the protection of your personal data?

Please contact the Data Protection Officer of Societe Generale Private Banking France by sending an email to the following address : protectiondesdonnees@societegenerale.fr.

Please contact Bieneke Russon, the Data Protection Officer of Societe Generale Bank & Trust Luxembourg by phone : +352-47.93.93.11.5046 or by sending an email to the following address : lux.dpooffice@socgen.com.

Please contact Julien Garnier, the Data Protection Officer of Societe Generale Private Banking Monaco by sending an email to the following address : list.mon-privmonaco-dpo@socgen.com

Please contact Omar Otmani, the Data Protection Officer of Societe Generale Private Banking Switzerland by sending an email to the following address : sgpb-gdpr.ch@socgen.com.

You need to make a claim?

 Any claim addressed to Societe Generale Private Banking France should be sent by e-mail to the following address : FR-SGPB-Relations-Clients@socgen.com or by mail to : 

Société Générale Private Banking France
Direction Commerciale
29 boulevard Haussmann CS 614
75421 Paris Cedex 9

The Bank will acknowledge your request within 10 days after receipt and provide a response to your claim within 60 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you by mail. 

In the event that the response you receive does not meet your expectations, we suggest to contact : 

 

The Societe Generale Group’s Ombudsman

The Societe Generale Group’s Ombudsman can be contacted by the following website : mediateur.societegenerale.fr  or by mail :

Le Médiateur auprès de Société Générale
17 Cours Valmy 
92987 PARIS LA DEFENSE CEDEX 7
France

In reviewing any matter, the Ombudsman undertakes the consideration of both the client’s and the bank’s point of view, evaluates arguments from each of the parties and makes a decision in all fairness.

The Group’s Ombudsman will respond to you directly within two months of receipt of the written submissions of the parties relating to the claim.

 

The Ombudsman of the AMF

The Ombudsman of the Autorité des Marchés Financiers (AMF) can be contacted at the following address :

Médiateur de l'AMF, Autorité des Marchés Financier
17 place de la Bourse
75082 PARIS CEDEX 02
FRANCE


The Insurance Ombudsman

Please contact the Insurance Ombudsman : contact details must be mentioned in your insurance contract.

To ensure that your requests are handled effectively, any claim addressed to Societe Generale Bank & Trust should be sent to:

Private banking Claims department
11, Avenue Emile Reuter
L-2420 Luxembourg

The Bank will acknowledge your request within 10 days and provide a response to your claim within 30 days of receipt. If your request requires additional processing time (e.g. if it involves complex research), the Bank will inform you of this situation within the same 30-day timeframe.

In the event that the response you receive does not meet your expectations, we suggest the following :

Initially, you may wish to contact the SGBT Division responsible for handling claims, at the following address:

Corporate Secretariat of Societe Generale Bank & Trust
11, Avenue Emile Reuter
L-2420 Luxembourg

If the response from the Division responsible for claims does not resolve the claim, you may wish to contact Societe Generale Bank & Trust's supervisory authority, the Commission de Surveillance du Secteur Financier (Financial Sector Supervisory Commission) :

By mail: 283, Route d’Arlon L-1150 Luxembourg
By e-mail:direction@cssf.lu

 Any claim addressed to Societe Generale Private Banking Monaco should be sent by e-mail to the following address: servicequalite.privmonaco@socgen.com or by mail to our dedicated department : 

Societe Generale Private Banking Monaco
Middle Office – Service Réclamation 
11 avenue de Grande Bretagne
98000 Monaco

The Bank will acknowledge your request within 2 days after receipt and provide a response to your claim within 10 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you of this situation within the same 30-day timeframe. 

In the event that the response you receive does not meet your expectations, we suggest to contact the Societe Generale Private Banking Direction that handles the claims by mail at the following address : 

Secrétariat Général de Societe Generale Private Banking Monaco 
11 avenue de Grande Bretagne 
98000 Monaco

Any claim addressed to the Bank can be sent by email to: sgpb-reclamations.ch@socgen.com
Clients may also contact the Swiss Banking Ombudsman : www.bankingombudsman.ch

The RAIF, Reserved Alternative Investment Fund - Expert Views

The RAIF, Reserved Alternative Investment Fund, was created in 2016. This Luxembourg unregulated collective investment vehicle combines flexibility and agility.

The RAIF - Expert Views

The Reserved Alternative Investment Fund RAIF is a non-regulated Luxembourg collective investment vehicle. What are its features? What objectives does it meet? Which client profiles is it aimed at? What are the legal and tax aspects? How does Societe Generale Private Banking mobilise its expertise in this area? An overview with Pierre-Frédéric Stein, Head of Wealth Planning and Business Development at Societe Generale Private Banking Luxembourg.

 

For investors the world over, Luxembourg offers a secure and attractive investment environment. Its political and economic stability, as well as its regulatory framework, have always been fertile ground for new and innovative financial solutions and services, right in the heart of Europe. Today, Luxembourg is a major centre for alternative investments. The reserved alternative investment fund known as RAIF is a perfect example.

RAIF: definition

The RAIF is an unregulated collective investment vehicle created in 2016. It is governed by the AIFM directive aimed at establishing a standardised regulatory framework for alternative funds distributed in the European Union. The RAIF is both flexible and agile:

- Flexible, because it can invest in all types of asset classes

- and agile, because it can be constituted and operational within a few weeks, while still managed by an AIFM - an alternative investment fund manager.

And this is the innovation of the RAIF.

Comparatively speaking, traditional Luxembourg funds, like UCITS and specialised investment funds (FIS) require the authorisation of the regulator before going to market - a procedure than can take up to several months.

For which purposes and for which client profiles?

In practical terms, the RAIF can invest in any asset class: real estate, private equity, infrastructure, debt acquisition, and in all types of listed securities. The RAIF is basically for well-informed investors, specifically institutional investors. But in practice, big families and private investors have started constituting RAIFs. Big families - alone or as a group (in the form of a club deal – like Family and Friends) have started structuring RAIFs for their real estate and private equity investments, as well as other assets, such as artworks and collectable cars.

What are the legal and tax aspects of the RAIF?

From a legal perspective, the RAIF can be structured as a fund (like an FCP common contractual fund), or as a company.

RAIFs are mostly constituted as companies in Luxembourg, affording investors the full benefit of Luxembourg’s flexible company laws, and allowing them to address formative topics, such as shareholder arrangements, and ensuring the trans-generational nature of family business governance. From a tax perspective, the RAIF falls under one of two tax regimes:

- By default, the “FIS” regime, whereby the fund is not subject to corporate tax, but to a basic subscription tax equal to 0.01% of net assets invested in the fund.

- And, as an option, the “SICAR” regime, if the purpose of the fund is to invest predominantly in capital risk. In this case, the RAIF is subject to corporate tax under certain conditions.

The RAIF forms part of the Luxembourg legislator’s efforts to provide investors with a neutral tax framework. As such, there is no withholding tax on RAIF dividend pay-outs, capital gains or liquidation surpluses. And if constituted as a company, the RAIF is eligible to most of the tax agreements signed by Luxembourg.

A dedicated department within SGPB Luxembourg

Given the RAIF’s popularity among private investors, Societe Generale Luxembourg has synergised the skills of its different business lines to provide an integrated private-banking service offering to support the distribution of wealth funds. The offering all includes trust and custodian banking services. We also have a dedicated asset management company, Societe Generale Private Wealth Management, which mobilises its expertise to offer responsible and innovative financial solutions for managing your wealth. With Societe Generale Private Wealth Management acting as intermediary, we take the role of Management Company or AIFM of wealth funds investing in classic financial strategies or in Private Equity. Lastly, our team of wealth engineers oversee the implementation and management of this adaptable wealth strategy.  Want to find out more about the RAIF? Our teams at Societe Generale Private Banking are waiting to hear from you.

Would you like to discuss this subject further with us?

IMPORTANT INFORMATION

 

This video/audio content is prepared by experts from Société Générale Private Banking. Its content is not intended to provide an investment service, it does not constitute investment advice or a personalised recommendation on a financial product, nor does it constitute insurance advice or a personalised recommendation, nor does it constitute a solicitation of any kind, nor does it constitute legal, accounting or tax advice from any Société Générale Private Banking entity.

The information contained in this video/audio content is for illustrative purposes only, is subject to change without notice, and is intended to provide information that may be useful in making a decision. No Société Générale Private Banking entity undertakes to update or modify this video/audio content, which may become obsolete after viewing.

This video/audio content may not be transmitted or reproduced in whole or in part without the prior written consent of Societe Generale.

This video/audio content is in no way intended to be broadcast/listened to in the United States, nor to/by a US tax resident, nor to/by a person or in a jurisdiction where such broadcast would be restricted or illegal.

Societe Generale Private Banking is the business line of the Societe Generale Group dedicated to private banking activities operating from Societe Generale and its branches or subsidiaries, located in various countries geographically situated in Europe and acting under the brand names "Societe Generale Private Banking" or "Kleinwort Hambros".

This video/audio content is issued by Société Générale, a French bank authorised and supervised by the Autorité de Contrôle Prudentiel et de Résolution, located at 4 Place de Budapest, 75436 Paris Cedex 09, under the prudential supervision of the European Central Bank ("ECB") and registered with the ORIAS as an insurance intermediary under the number 07 022 493, orias.fr Societe Generale is a French public limited company with a capital of EUR 1 066 714 367,50 as at 1 August 2019, whose registered office is located at 29 boulevard Haussmann, 75009 Paris, and whose unique identification number is 552 120 222 R.C.S. Paris. Further details are available on request or at www.privatebanking.societegenerale.com/.

Société Générale is careful to protect your personal data and processes the information entrusted to it in accordance with the regulations in force.