Account & Lending Bot
Lombard loans, facility, interest, credit
AI chatbot for
Private Banking
HNW Clients, Advisors & Compliance
When private banking customers ask about account & lending position queries, custody & portfolio statements, and relationship manager scheduling after hours, someone still needs to reply. NIVA answers from your own info, books the next step, and notifies your team · so warm enquiries do not go cold overnight.
- No usage-based billing
- Live across 25 industries
- White-label ready
10+
Private Banking Personas
24/7
Client Access
0
Code Required
Built for
Private BanksWealth Management ArmsFamily Office ServicesHNW Advisory TeamsTrust & Estate Teams
Where private banking teams lose money every week
Not a tech problem. Missed replies, repeated FAQs, and overnight drop-off · on the website you already run.
They write while you're busy
A private banking enquiry about pricing or availability lands while you're with a customer · and dies in the inbox.
Your team repeats the same answers
Hours go to FAQs on phone and chat. Quotes, visits, and sales wait behind the queue.
Warm leads cool overnight
Night and weekend visitors leave with no next step. By morning they've booked someone who replied.
Work your Private Banking team still does by hand
Routine private banking questions, bookings, and follow-ups · answered on the website so your people stay on the hard cases.
- 01
Account & Lending Position Queries
Clients query Lombard loan balances, facility utilisation, interest charges, and available credit. NIVA surfaces account-specific data from your core banking system with appropriate authentication.
Lombard Loans · Facility Utilisation · Interest Rates · Available Credit
- 02
Custody & Portfolio Statements
Clients request custody account valuations, transaction histories, consolidated statements, and performance reports through chat · delivered to their secure inbox instantly.
Custody Statements · Portfolio Valuations · Transaction History · Consolidated Reports
- 03
Relationship Manager Scheduling
Clients schedule calls and meetings with named relationship managers through chat · NIVA checks RM availability, confirms the agenda, and sends calendar invites to both parties.
RM Meetings · Agenda Setting · Calendar Sync · Relationship Management
- 04
Trust & Estate Queries
Trust beneficiaries and settlors query distributions, trustee reports, and estate administration progress. NIVA answers from approved documentation and escalates complex trust matters to your trust officers.
Trust Distributions · Trustee Reports · Estate Administration · Beneficiary Queries
- 05
AML & Compliance Onboarding
New HNW clients complete enhanced due diligence through chat · source of wealth, source of funds, and PEP declarations · reducing onboarding friction for high-value relationships.
Enhanced Due Diligence · Source of Wealth · PEP Declarations · AML Compliance
- 06
Cross-Border & Expatriate Queries
International clients query FATCA/CRS reporting obligations, cross-border regulatory requirements, and multi-jurisdiction account structures through chat · reducing compliance team call volume.
FATCA · CRS Reporting · Cross-Border · Expatriate Banking
Questions your private banking site already gets
Answered from your docs and policies · days, nights, weekends · so your team isn't repeating them.
I'd like to gift $250,000 to my children this tax year. What are the tax implications and how do we structure this?
What's your minimum for discretionary portfolio management, and how are fees structured?
Not another chatbot.
A front desk that works overnight.
Missed enquiries after hours
Every website visitor gets a reply · days, nights, weekends
Your team repeats the same answers
Policies and pricing answered from your docs · consistently
Leads cool off waiting for a call back
Bookings, forms, and next steps happen in the chat
Teams already using NIVA
Ready-made private banking helpers
Sales, support, bookings · switch on the roles you need. No writing from scratch.
Custody Statement Bot
Valuations, statements, performance
RM Scheduling Bot
Meetings, agenda, calendar sync
Trust & Estate Bot
Distributions, trustee reports, estate
AML & EDD Bot
Source of wealth, PEP, EDD
International Banking Bot
FATCA, CRS, cross-border, expatriate
+ 4 more private banking roles available
Built around how private banking teams work
Practical pieces that save time · not a pile of AI features to configure.
Approved Product Knowledge Base
Upload your product terms, lending criteria, trust structures, and regulatory disclosures. NIVA answers client queries from your approved documentation · never providing regulated advice without RM involvement.
Multi-Factor Authentication Integration
NIVA integrates with your identity provider for biometric, OTP, and knowledge-based authentication · ensuring PHI and financial data are only surfaced after rigorous identity verification.
Onboarding & Review Flow Automation
Build EDD collection flows and annual review preparation sequences. Trigger core banking system updates and compliance file creation automatically at each onboarding milestone.
Core Banking & PMS Integration
NIVA integrates with Avaloq, Temenos T24, Olympic Banking, and custom private banking systems. Client account data, loan positions, and custody valuations are live in every conversation.
HNW Client Onboarding Flow
Trigger
New HNW client referral received
EDD
Source of wealth, PEP, beneficial owners
Compliance
Risk score assigned, approved
Core Banking
Accounts opened, RM notified
What visitors can actually get done
Beyond FAQs · for private banking businesses that sell and support online.
Stop chasing
Work finished in the chat
Collect the right details, book the appointment, and notify your team · without bouncing visitors to another form.
See how it works Capture cleanlyDetails you can act on
When someone is ready, the chat asks for name, dates, budget, or requirements · and lands it in your inbox or CRM.
See how it works Feel humanThe right helper, every time
Sales, support, or bookings · visitors get the specialist answer they need, without choosing menus.
See how it worksTonight's visitors get answers. You set it up once.
No developer on retainer. Most private banking teams are answering overnight enquiries the same day they start.
- 01~15 min
Show us where leads slip
Website, WhatsApp, ads · we map the private banking questions that cost you money when nobody answers.
- 02Your call
Switch on the right helpers
Sales, support, bookings · pick personas that already speak private banking. Turn off what you don't need.
- 03Your docs
Feed it what you already trust
Price lists, FAQs, policies, page links. It only answers from what you approve · nothing made up.
- 04Same day
Go live as your brand
One line on the site you already run. Overnight visitors get replies while your team sleeps.
On your website. Looking like your brand.
Works on the site you already have · WordPress, Webflow, Shopify, or custom. Your logo, your colours, your name. Most owners are live the same week they start.
- No big rebuild of your website
- Changes show up for visitors without a re-launch
- We can add it with you on the demo call if you prefer
- Do I need a developer?
- Helpful if you have one · not required. Many private banking teams paste one line or let us place it.
- How fast will I see value?
- Most start capturing overnight enquiries in the first week once knowledge and booking paths are set.
- What if it's not a fit?
- Tell us how you work today. We'll say plainly if a simpler setup or a rival product is better.
Compliance & Security
Built for regulated private banking environments.
- FCA COBS & CASS Rules
- MiFID II Suitability
- AML / Enhanced Due Diligence
- FATCA / CRS Reporting
- GDPR / UK GDPR
- PEP & Sanctions Screening
Common questions
Straight answers before you start.
Yes. NIVA's UHNW configuration provides discreet, accurate information and immediate connection to named relationship managers. It handles the administrative layer · account queries, document requests, scheduling · so RMs focus on strategy and relationship deepening.
Still unsure? Send a short note about how you work · we'll reply with a fit recommendation for private banking.
Try NIVA free for Private Banking
Spin up a private bankingchatbot on your site this week · or send a short note and we'll tell you honestly if it's a fit.
- Free to start · no credit card required
- Works on the website you already have
- We reply within one business day if you inquire
Prefer to ask first?
Tell us how enquiries come in today. We'll reply with a fit recommendation.
Solutions Focus
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Niva Ecosystem