Question 1

What is Hoerner-Bank?

Accepted Answer

Hoerner-Bank is a German private bank (Privatbank) headquartered in Heilbronn, Baden-Württemberg. Established in 1849, it operates as an independent private banking institution specializing in two core business areas: wealth management and international estate settlement (probate services). With over 175 years of history, the bank has evolved from an emigration agency into one of Germany's most distinguished private banks and one of the world's three leading firms in international estate administration. The bank manages over €700 million in client assets and employs approximately 102 people.

Question 2

When was Hoerner-Bank founded?

Accepted Answer

Hoerner-Bank was founded in 1849 as an "Agency for Emigrants to America" (Agentur für Auswanderer nach Amerika), initially operated by Johann Christoph "Carl" Stählen in Heilbronn. The agency facilitated emigration, particularly to Texas, and began handling money transfers and exchange transactions to America in 1852.

In 1903, it became Amerikanisches Bankgeschäft Eugen Hoerner & Carl Laiblin (American Banking Business Eugen Hoerner & Carl Laiblin). The firm was renamed Eugen Hoerner GmbH Spezialbankgeschäft zur Erhebung von Erbschaften in Amerika (Eugen Hoerner GmbH Special Banking Business for Collection of American Inheritances) and entered into the commercial register in 1934. The bank transformed into Hoerner Bank GmbH in 1956 and became a joint-stock company (Aktiengesellschaft) in 1996, when it intensified use of its full banking license to expand wealth management services.

Question 3

Where is Hoerner-Bank headquartered?

Accepted Answer

Hoerner-Bank is headquartered in Heilbronn, Baden-Württemberg, Germany. The bank inaugurated a new building in Heilbronn in 2018 and modernized its historic headquarters at Oststraße 77 in 2019.

Question 4

Where does Hoerner-Bank operate?

Accepted Answer

Hoerner-Bank operates primarily in the Heilbronn-Franken region as a regional private bank, with representative offices in Berlin (established 2003), Hamburg (2008), Munich (2015), and Cologne (2021) throughout Germany. Through its subsidiary Hoerner Polska, based in Warsaw, Poland (founded 2005), and a network of international correspondents spanning over 50 countries, the bank provides global estate settlement services. The bank's international probate division employs over 60 specialists plus numerous international correspondents.

Question 5

What services does Hoerner-Bank offer?

Accepted Answer

Hoerner-Bank provides comprehensive private banking and wealth management services including investment advisory, portfolio management, financial planning, estate planning, insurance services, and pension planning. The bank offers traditional banking services such as accounts, payments, and lending to regional clients.

A distinctive specialty is international estate administration and heir tracing (Erbenermittlung und Nachlassabwicklung), where the bank serves heirs, estate administrators (Nachlasspfleger), probate courts (Nachlassgerichte), and notaries. This business traces back to the bank's 1849 origins handling American inheritances. Through its subsidiary Hoerner Immobilien GmbH, the bank also provides real estate services related to estate settlements.

The bank emphasizes personalized service, independence, and discretion, treating clients as partners rather than account numbers.

Question 6

What makes Hoerner-Bank unique?

Accepted Answer

Hoerner-Bank has been recognized by WirtschaftsWoche as one of Germany's best asset managers for seven consecutive years (2019-2025) and was included in the Handelsblatt Elite Report 2024 and 2025 with "cum laude" distinction. The bank is one of three world market leaders in international estate settlement, with operations spanning five continents.

The bank's founding values of "freedom" and "independence" remain central to its philosophy, celebrated through its 175th anniversary motto #175yearsoffreedom. As an independent private bank without external shareholders, it can prioritize client interests exclusively. The bank has successfully navigated two world wars, hyperinflation, and multiple economic crises over 175 years. It initiated the German Estate Administration Conference (Deutscher Nachlasspflegschaftstag) in 2008 and the Baden-Württemberg Probate Court Conference in 2018.

Question 7

What type of financial institution is Hoerner-Bank?

Accepted Answer

Hoerner-Bank is a Privatbank (private bank) operating as an Aktiengesellschaft (joint-stock company) under German law. Private banks in Germany are privately owned credit institutions that typically focus on wealth management, private banking, and specialized financial services rather than mass-market retail banking. Hoerner-Bank holds a full banking license (Vollbanklizenz) and is a member of the Association of German Banks (Bundesverband deutscher Banken) and participates in the deposit insurance scheme of the private banking sector (Einlagensicherung des privaten Bankgewerbes), which protects customer deposits beyond the statutory €100,000 minimum.

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About Hoerner-Bank in Germany

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