Cembra Money Bank AG

Tagline Brand's website · 2026-11-07

Cembra is a leading Swiss provider of financing, payment and savings products.

Description Brand's website · 2026-11-07

Cembra Money Bank AG is an independent Swiss bank listed on the SIX Swiss Exchange since 2013. It offers personal loans, auto loans and leasing, credit cards, insurance products, invoice financing, buy now pay later options, and savings and term deposits. Cembra serves over 2 million customers in Switzerland, operates through hubs, online channels, partners, intermediaries and car dealers, and has its headquarters in Zurich.

Mission Brand's website · 2026-11-07

To provide responsible financing, tailored solutions within customers' budgets, and financial education and advice.

Website Brand's website · 2026-11-07

https://cembra.ch

Voice & tone Brand's website · 2026-11-07

Approachable, accessible, down-to-earth and transparent.

Headquarters Brand's website · 2026-11-07

Zurich, Switzerland

Parent ownership Brand's website · 2026-11-07

Cembra Money Bank AG is the parent company of the Cembra Group. The Group's fully owned subsidiaries are CembraPay AG and Cembra Latvia SIA.

Problem solved Brand's website · 2026-11-07

Provides financing, payment, insurance and savings solutions for individuals and institutions in Switzerland, while helping customers manage financial questions and improve their financial literacy.

Core capabilities Brand's website · 2026-11-07

• Personal lending
• Auto loans and vehicle leasing
• Credit card issuance and services
• Invoice financing and buy now pay later payment options
• Insurance intermediation
• Savings and term deposit products
• Online and hub-based customer service
• Financial literacy resources and responsible financing guidance

Products / SKUs Brand's website · 2026-11-07

• Personal loans
• Cash credit with a cash reserve
• Auto loans
• Vehicle leasing
• Credit cards, including Cembra and partner-programme cards
• Buy now pay later and invoice financing through CembraPay
• Insurance products
• Savings products

Pricing Brand's website · 2026-11-07

Homepage promotions advertise loans from 4.95% and 5.95%. The Certo! Mastercard advertises up to 1% cashback. Specific pricing for other products is not stated in the supplied content.

Target industry Brand's website · 2026-11-07

Banking and financial services

Customer base Brand's website · 2026-11-07

Over 2 million customers in Switzerland, including retail customers and institutional clients, served through Cembra's hubs, online channels, credit card partners, independent intermediaries and car dealers.

Ideal customer profile Brand's website · 2026-11-07

Individuals in Switzerland seeking personal or auto financing, credit cards, insurance, flexible payment options or savings products, as well as institutional clients seeking savings and term deposits.

Use cases Brand's website · 2026-11-07

• Financing a personal expense or one-time cash need
• Financing a vehicle through a loan or lease
• Making purchases with credit cards
• Paying online or at the point of sale through invoice financing or buy now pay later
• Protecting against risks related to loans, vehicles, travel, cyber incidents and cards
• Building savings through savings or term deposit products
• Managing accounts and services through the Cembra App or eService
• Learning about borrowing, budgeting and responsible financing

Customer outcomes Brand's website · 2026-11-07

• Access to personalised and flexible financing
• Financial flexibility for vehicle purchases and other expenses
• Flexible and secure payment options
• Potential cashback and other credit card features
• Financial protection through related insurance products
• Savings with competitive interest rates and flexible terms
• Improved understanding of financial topics and budgeting
• Support for secure card use and fraud prevention