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EUR/USD 1.0847 ▲ +0.12% EUR/GBP 0.8582 ▼ -0.06% EUR/CHF 0.9820 ▲ +0.03% EUR/JPY 167.98 ▲ +0.28% EUR/CNY 7.8547 ▲ +0.09% DAX 18,492.49 ▲ +0.34% XETRA 2,148.12 ▲ +0.18% BUND 10Y 2.41% ▼ -2 bp XAU/EUR 2,194.80 ▲ +0.71% BRENT €80.92 ▼ -0.22% EUR/USD 1.0847 ▲ +0.12% EUR/GBP 0.8582 ▼ -0.06% EUR/CHF 0.9820 ▲ +0.03% EUR/JPY 167.98 ▲ +0.28% EUR/CNY 7.8547 ▲ +0.09% DAX 18,492.49 ▲ +0.34% XETRA 2,148.12 ▲ +0.18% BUND 10Y 2.41% ▼ -2 bp XAU/EUR 2,194.80 ▲ +0.71% BRENT €80.92 ▼ -0.22%
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Berlin · BaFin regulated · Est. 1987

Capital that remembers your name, not your balance.

MRAIB is a Berlin-based private merchant bank serving entrepreneurs, family offices and the German Mittelstand across the EU. One banker. Every currency. No queue.

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Frankfurt open · Berliner Desk responding in under 4 min
Privatbank · Berlin

Bankwesen, wie es sein sollte.

A Berlin-based private merchant bank serving entrepreneurs, family offices and institutions across Germany and the EU.

AUM & deposits €32B+
€32B+ AUM & deposits
99.99% Platform uptime
1987 Founded in Berlin
124 Senior bankers
SIEMENS BMW GROUP SAP SE BOSCH ALLIANZ MUNICH RE LUFTHANSA BAYER ADIDAS BASF DEUTSCHE BÖRSE PORSCHE SIEMENS BMW GROUP SAP SE BOSCH ALLIANZ MUNICH RE LUFTHANSA BAYER ADIDAS BASF DEUTSCHE BÖRSE PORSCHE
What we do

A merchant bank built for complex ambitions.

Four practices, one relationship manager. From daily treasury to cross-border structuring, MRAIB consolidates the banking a serious operator actually needs.

🏛

Private Banking

Multi-currency accounts with a named banker, cash-sweep vehicles and premier card programs from day one.

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🌍

Trade & Wire

SWIFT gpi, letters of credit, escrow and FX execution across 38 currencies with institutional spreads.

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📈

Wealth & Credit

Structured lending against marketable securities, private equity, real estate and receivables.

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🔒

Custody & Vault

Segregated custody of securities, metals and qualified digital assets under SOC 2 Type II controls.

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Platform

Banking, wired for how you actually work.

Move faster without losing control.

A single dashboard for every account, card, beneficiary, loan and statement — built for owners and finance teams who need clarity without compromise.

  • Bank-grade 2FA & passkeys
  • Maker-checker approvals
  • Open-banking API
  • Role-based team access
  • Real-time notifications
  • Automated reconciliations
Request a demo
Live · Treasury Console
99.99% Availability over the last 12 months

Settle where others are still pending.

Access SWIFT gpi with same-day settlement to 150+ corridors, beneficiary pre-verification and automatic FX conversion at institutional mid-market rates.

  • Same-day SWIFT gpi
  • SEPA Instant & Faster Payments
  • USD Fedwire & CHIPS
  • Pre-verification of beneficiaries
  • Full traceability & MT103 copies
  • No FX markup above 35 bps
See coverage
SWIFT network
150+ Settlement corridors, gpi tracked end-to-end

Credit structured around your assets.

Lombard lending, receivables financing, bridge facilities and mortgages — drawn against the assets already on your MRAIB balance sheet.

  • Lombard up to 70% LTV
  • Trade finance & LCs
  • Real estate facilities
  • Receivables discounting
  • Bridge & acquisition loans
  • Corporate revolvers
Speak to credit
Median approval
72h For facilities under $25M with complete file

Treasury that trades like an institution.

Access spot, forward and structured FX across 38 currencies, with dedicated dealer coverage and cash-sweep into money-market funds.

  • Spot, forwards & NDFs
  • 38 traded currencies
  • Automated cash sweeps
  • Yield on idle balances
  • Hedging programs
  • Digital asset desk
Meet the desk
Traded currencies
38 Including onshore CNY, INR NDF, BRL, NGN and AED
Meet the bankers

Specialists who speak your sector.

Every client is matched with a senior banker in their industry — not a relationship manager who tries. Hover on any desk below to meet its lead.

Commodities
Leiter Commodities Desk

Klaus Weber

19 years trading oil, metals and agricultural receivables across EMEA. Former Commerzbank, ex-Trafigura.

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Family Office
Leiterin Family Office Coverage

Anna Schmidt

Structures multi-generational wealth for 30+ German family offices between Berlin, Munich and Hamburg.

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Real Estate
Leiter Real Estate Finance

Stefan Müller

Closed €4.2B of commercial real-estate facilities across Germany, Austria and Switzerland in 36 months.

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Tech & Founders
Leiterin Venture Banking

Julia Becker

Banks 80+ venture-backed founders across the Berlin tech scene. Specialist in ESOP financing and treasury.

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Institutional
Leiter Institutional Coverage

Friedrich Hoffmann

Structures custody, prime brokerage and FX for German Versicherer, pension funds and Landesbanken.

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Mittelstand
Leiterin Mittelstand & Trade

Katharina Wagner

Writes letters of credit and Exportfinanzierung for DAX and Mittelstand exporters across 38 currencies.

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Our headquarters

One address. One team. One promise.

By design, MRAIB maintains a single office in Berlin — so every banker in your file sits within walking distance of every other.

Berlin skyline at dusk Berlin · Pankow
Address

Harzgeroder Straße 3
13187 Pankow, Berlin
Deutschland

Hours

Mon–Fri · 08:00–19:00 CET
Private client appointments by invitation

Telephone

+49 152 19316779
Central and domestic calls only

Email

talktous@mraib.com

Berliner Desk responding now
Measured performance

A bank that earns the right to serve you.

€32B+
Assets under stewardship
FY 2025 · Berlin HQ
99.99%
Platform availability
12-month rolling
72h
Median onboarding
Post-KYC complete
4.9/5
Relationship NPS
Q1 2026 client survey
Client stories

Operators who chose MRAIB — and why.

Family Office
MRAIB gave us the discipline of an institutional bank with the tempo of a private office. In a single quarter we consolidated nine banking relationships into one — without losing a single payment.
Maximilian Bauer Group CFO · Bauer Holdings, Munich
€2.1B AUM consolidated
4 weeks Full migration
0 Lost payments
Mittelstand
Three banks said no. MRAIB said yes — and structured a receivables facility that matched our actual cashflow. They bank people who do things.
Lukas Henrichsen CEO · Rheinmetall Recycling, Duisburg
€340M Receivables facility
11 days To first draw
38 Settlement currencies
Venture Founder
My personal banker understands my cap table better than my accountant. That is a sentence I never expected to write about a bank.
Sebastian Krüger Co-Founder · Kreuzberg AI, Berlin
€45M Treasury managed
72h SAFE-backed credit
1 Banker, always
Getting started

From introduction to funded in four steps.

No branch visits. No paper forms. A relationship manager walks you through everything — usually within the same business day.

  1. Request an introduction

    Share your profile through our secure form or ask a partner to introduce you to our desk.

  2. Verify identity

    Complete digital KYC with passport, proof of address and source of funds. Encrypted end-to-end.

  3. Match a banker

    You’re paired with a relationship manager in your sector — real estate, commodities, tech, family office.

  4. Fund & trade

    Receive IBAN, cards and API keys. Fund by wire or transfer-in, and start operating globally the same day.

Insights

The MRAIB desk brief.

Research and commentary our bankers are reading this week.

Markets

Why the dollar’s next leg depends on Saudi Aramco’s buyback

USD liquidity, sovereign balance sheets and the quiet re-pricing of Gulf risk in spring 2026.

Research · 6 min read16 Apr 2026
Private Credit

Lombard lending in a 5% world: structuring around duration

How family offices are re-writing collateral schedules to keep facilities cheap without triggering margin calls.

Brief · 4 min read12 Apr 2026
Operations

Moving $50M across three continents without breaking compliance

A walk-through of a cross-border treasury program we built for a commodities trader this quarter.

Case · 7 min read04 Apr 2026

Let’s build your banking, the way it should have been.

Speak to a banker under NDA. We’ll scope onboarding, limits and credit in a 30-minute call.

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