Banking and Cash Management

Individuals seeking to take advantage of global investment opportunities require competitive banking and cash management products. To pursue investment interests in today’s global marketplace, clients demand immediate access to funding without compromising income-earning potential.

At Merrill Lynch, we understand the complex banking and cash management needs of sophisticated global clients. Our comprehensive range of products and services can complement your overall investment strategy by maximising income and providing you with the flexibility to pursue your personal investment objectives. Working with your Merrill Lynch Financial Advisor, you will enjoy access to a network of experts who are skilled at creating banking and cash management solutions to support your cash and credit requirements and your overall financial strategy.

Banking and Cash Management Products and Services:

Merrill Lynch International Cash Management Account (ICMA^®):
Our International Cash Management Account (ICMA) combines the characteristics of a checking and savings account with those of a brokerage account. ICMA features include:

• An account enabling you to buy and sell securities
• Visa^® debit cards that contain extensive features, including travel accident insurance
• Instant borrowing power at brokerage account rates with our Margin Lending programme
• Automatic sweep of free credit balances into a choice of money facilities

Merrill Lynch International Asset Power^SM (IAP):
IAP is a non-discretionary investment advisory program for clients who not only want the benefits of disciplined investment advice from their Financial Advisors but also want to maintain ultimate control over their specific investment decisions, all for an annual, asset-based fee.

• Execute securities transactions in most securities, including equities, fixed income, mutual funds, UITs, options, commodities and futures, all for an asset-based fee in lieu of commissions, sales loads or similar transaction costs

Merrill Lynch Bank (Suisse) S.A.:
Merrill Lynch Bank (Suisse) S.A.* is the premier choice for clients requiring the services of a Swiss bank. Merrill Lynch Bank (Suisse) S.A. offers strong investment management capabilities, multicurrency banking facilities and service excellence to high-net-worth and ultra-high-net-worth private investors around the world.

Establishing a Swiss banking relationship has been a long favoured approach for clients who are looking for highly personalised service. At Merrill Lynch Bank (Suisse) S.A., clients can take advantage of the capabilities of a private bank that blends traditional Swiss banking activities with the products, services, investment expertise and financial strength of Merrill Lynch.

The Bank's offering includes advisory and discretionary services, credit and market investments, generational planning and other related services. Merrill Lynch Bank (Suisse) S.A. is a distinct legal entity governed by Swiss banking law and supervised by the Swiss Federal Banking Commission. Merrill Lynch Bank (Suisse) S.A. is a member of the Swiss Bankers Association and the Association of Foreign Banks in Switzerland.

The bank is headquartered in Geneva with branches in Zurich and Dubai, as well as representative offices in Singapore, Montevideo and Panama, and is positioned to continue expanding its global footprint.

Merrill Lynch International Bank Limited (MLIB):
MLIB**, through its branches in London, Dublin and Singapore, offers banking products (deposits, collateralised loans and foreign exchange) and services with competitive pricing and innovative, tailored structures.

Securities-Based Lending :
Your Financial Advisor can help you to collateralise assets to take advantage of investment opportunities or to satisfy liquidity needs. 

* Merrill Lynch Bank (Suisse) S.A. is ultimately owned by Merrill Lynch & Co. Inc., and is organized and governed by Swiss banking laws, and is a member of both the Swiss Bankers Association and the Association of Foreign Banks in Switzerland.

** MLIB is a wholly owned indirect subsidiary of Merrill Lynch & Co., Inc. It is an EU bank with its Head Office in Ireland and is authorised by the Financial Regulator in Ireland .