H. Upmann · The Banker
New WorldExperiencedH. Upmann The Banker Annuity
A spicy non-Cuban H. Upmann from Altadis — an oily Ecuador Habano-wrapped toro with cedar, pepper and leather at a bold medium-full body.
The short answer
The H. Upmann The Banker Annuity is a richer, medium-to-full smoke — a Dominican Republic toro with a Ecuador Habano wrapper. Expect cedar, pepper, and earth.
The verdict
The H. Upmann The Banker Annuity is a richer, medium-to-full smoke from H. Upmann's The Banker line. It's a Dominican Republic (New World) toro wrapped in Ecuador Habano at 6 in × 52.
On the palate, expect cedar, pepper, and earth, leaning earthy. Plan on roughly 70 minutes from light to nub.
It pairs naturally with espresso and bourbon. If you're newer to cigars, work up to this one rather than starting here.
The Banker nods to H. Upmann's founders, who ran a banking house before they turned to cigars. The Annuity, at 6 inches by a 52 ring gauge, is the line's toro, handmade in the Dominican Republic under a succulent, oily Ecuadorian Habano wrapper.
What it tastes like
The wrapper covers a Nicaraguan binder and a spicy long-filler blend of Nicaraguan and Dominican tobaccos. The payoff is a medium-to-full smoke with cedar, black pepper, and earth up front and leather and cocoa filling in underneath. It's one of the bolder non-Cuban H. Upmanns, built for flavor and a bit of kick rather than mellow sipping.
Who it's for
A solid pick for experienced smokers who want spice and body in a full-hour toro. It pairs naturally with espresso or bourbon and rewards a deliberate pace. Beginners may find the pepper assertive early on.
This is the Dominican, Altadis H. Upmann, separate from the Cuban range. For the smoother Havana style, see the Magnum 50. To understand the body, check our cigar strength guide. Rate it and track your collection in the Casa DNC app.
Curious how it stacks up? See Cuban vs Nicaraguan cigars.
H. Upmann The Banker Annuity — frequently asked
- Is the H. Upmann The Banker Annuity a good cigar for beginners?
- Ease into it. The fuller body can be a lot for a first-timer, so it's better once you've built up a little tolerance.
- How strong is the H. Upmann The Banker Annuity?
- The H. Upmann The Banker Annuity is Medium-Full-bodied. Strength is about body and nicotine rather than flavor, so eat something first and take it slow if you're sensitive.
- What does the H. Upmann The Banker Annuity taste like?
- Expect cedar, pepper, and earth, leaning earthy. Tasting notes are a guide — your palate may pick up more or less.
- What pairs well with the H. Upmann The Banker Annuity?
- It pairs well with espresso and bourbon. As a rule, match the drink's intensity to the cigar's medium-full body.
- How long does it take to smoke the H. Upmann The Banker Annuity?
- Plan on about 70 minutes for the toro — longer if you smoke slowly, which keeps it cool and tasting its best.
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H. Upmann The Banker Annuity head-to-head
See how H. Upmann The Banker Annuity stacks up against similar cigars — strength, flavor, and ratings.