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Cembra Money Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cembra Money Bank suits Swiss and Liechtenstein residents in work who want a credit card with an annual fee of CHF 0. The trade-off is a hard credit check and a waiting period before a loan is paid out, so it suits a steady income rather than a quick fix for cash.

Key facts

Best for
A fee-free Swiss credit card with cashback, plus fixed-rate personal and car loans.
Annual fee
CHF 0↗
APR
13%↗
Rewards type
Cashback↗
Rewards rate
1% at 3 favourite merchants, 0.25% elsewhere↗
Perks
Price protection, Purchase protection, Travel assistance↗
Card kind
Credit↗
Legal entity
Cembra Money Bank AG↗
Headquarters
Switzerland↗
Support channels
Phone↗
Pricing model
No annual fee
Features
Rewards
Official website
cembra.ch

Loans

Loan amount
CHF 1,000 to CHF 250,000↗
Term
12 to 84 months↗
Arrangement fee
0 CHF↗
Credit check
Hard↗
Funding time
Disbursed to your account after the statutory 14-business-day withdrawal period↗
Representative example
Barkredit example: loan of CHF 10,000 at an effective annual rate of 5.95% to 9.95% over a 12-month term gives total interest of CHF 316.60 to CHF 523.30↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Must be of age and employed; residency in Switzerland or Liechtenstein, foreign nationals also submit a copy of their residence permit↗
Origination fee (%)
0%↗
Loan types
Personal, Car, Credit-line↗

Savings

Access terms
Savings Account: attractive interest rates and flexible terms↗
Account kind
Easy access↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Cashback of 1% at 3 favourite merchants, 0.25% elsewhere on card spending, with perks covering price protection, purchase protection and travel assistance.
  • Lending covers personal, car and credit line with no origination fee, listed as 0 CHF.
  • Early repayment is free, so a loan can be cleared early without a charge.
  • Terms of 12 to 84 at a fixed rate, so payments do not move with the base rate.

Cons

  • Support runs on phone only, so help comes by phone.
  • Approval rests on a hard credit check, listed as hard, and applicants must be adults in work, resident in Switzerland or Liechtenstein.
  • Loan money arrives only after the statutory withdrawal period, so a CHF 1,000 to CHF 250,000 loan does not land the same day.
Cembra Money Bank

Ready to try Cembra Money Bank?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Swiss and Liechtenstein residents in work who want a credit card with cashback and no annual fee.
  • Borrowers planning a personal or car purchase who want a fixed rate over terms of 12 to 84.
  • People who would rather clear a loan early and save the interest than pay it to the end.

Who should look elsewhere

  • Varo Believe Secured Credit Card, if a secured card matters more to you than Swiss lending; its annual fee is $0.
  • Wise, whose card annual fee is £0, if you want an account outside the Swiss market.
  • bunq, whose annual fee is €0, if a euro card suits your spending better.

Rates and terms

The card's stated rate is an APR of 13%, while lending is priced at a fixed rate rather than a variable one, so repayments hold steady for the whole term. Terms run for 12 to 84, which gives borrowers a wide spread of repayment periods, and the rate is set when a loan is agreed rather than moving afterwards.

How Cembra Money Bank compares

Where Cembra Money Bank is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there an annual fee on the card?+

The card carries an annual fee of CHF 0, and it is sold as a product with no annual fee at all. It is a credit card, so holding it costs nothing beyond the interest on any balance you carry, and the card runs on the no annual fee model.

What rewards and purchase perks come with the card?+

Rewards are paid as cashback: 1% at 3 favourite merchants, 0.25% elsewhere on your spending. Perks listed with the card cover price protection, purchase protection and travel assistance, which add value on top of the cashback if you buy at the favoured merchants or want cover on a purchase.

Is the rate fixed, and what APR applies?+

The card's stated APR is 13%, below the 15.5% median across the comparison set. Lending is set at a fixed rate, so the cost of a loan does not rise when the base rate moves.

How much can I borrow, and over what term?+

Personal loans run from CHF 1,000 to CHF 250,000 over terms of 12 to 84, and the lending covers personal, car and credit line. That range suits a planned car purchase as well as a larger personal expense, and a fixed rate means the monthly amount is set from the start.

Who can apply, and what credit check is used?+

Applicants must be adults who are in work and living in Switzerland or Liechtenstein, and foreign nationals also hand over a copy of their residence permit. The application uses a hard credit check, listed as hard, so the decision rests on your full credit file.

When does loan money arrive?+

Money is lent directly and reaches your account after the statutory withdrawal period rather than the same day you apply, so plan around a waiting period. Loans cover CHF 1,000 to CHF 250,000 over 12 to 84, with no origination fee, listed as 0 CHF.

Can I repay early without a charge?+

Early repayment is free, so a personal loan can be cleared ahead of schedule without a charge, and there is no origination fee at 0 CHF to weigh up. A fixed rate then makes the plan easier, because the total cost drops as the balance falls.

How do I get help?+

Support runs on phone alone, so questions are handled by phone rather than by email or live chat. That suits people who would rather talk through a credit application, and it helps to have your reference number ready.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Cembra Money Bank

Cembra Money Bank

A fee-free Swiss credit card with cashback, plus fixed-rate personal and car loans.

8.8/10See alternatives