What Clanq AG does

Clanq AG is a Swiss consumer fintech founded in 2021 and headquartered in Zürich that operates a mobile-first family finance application distributed exclusively via the Apple App Store and Google Play. The app enables parents to open a digital bank account backed by Cornèr Bank (FINMA-regulated), issue a Visa debit card, create up to five digital piggy banks per child, earn automatic Cashback at 70+ partner merchants, and invest via automated portfolios with selectable risk classes for their children's future. A separate Kids Banking module featuring a Bernese Mountain Dog character named 'Clarry' delivers financial education through stories, chores, and savings activities, while the Familienclan (Family Clan) feature allows grandparents, godparents, aunts, and uncles to coordinate multi-generational contributions to a child's savings.

The product is built as a customer experience layer on top of Cornèr Bank's regulated Swiss banking infrastructure, which provides accounts, cards, investment execution, and esisuisse statutory deposit protection up to 100,000 CHF per customer. The application is localized in German, French, Italian, and English and is positioned for the Swiss market with a DACH regional ambition. All banking, custody, and investment services are performed by Cornèr Bank; Clanq contributes the family-focused UX, onboarding flow (approximately 10 minutes), Cashback merchant integration, and the Clarry educational content layer.

Clanq monetizes via a freemium model: a free Basic tier offering the account, card, and partner Cashback, and a Premium tier at 5 CHF/month that adds 1% Cashback on every card purchase and unlocks the Investment Portfolio (with a 250 CHF welcome bonus against a 500 CHF minimum initial deposit). A secondary revenue stream is affiliate economics from the 70+ Cashback merchant network, where partner Cashback can reach up to 25%. The company is privately held, has 11-50 employees, and to date has disclosed approximately $977K across two 2021 seed rounds; no parent company, institutional lead investors, or revenue figures are publicly disclosed.

Name

Clanq AG

Legal name

Clanq AG

Website

https://clanq.de

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Clanq AG is a Swiss mobile fintech that provides families with a Cornèr Bank-backed account, digital piggy banks, automated children's investment portfolios, Cashback rewards at 70+ merchants, and Kids Banking financial education centered on the Clarry character.

Ownership category

akta.pro rank

Product category

Family Banking

NAICS

Credit Card Issuing (52221), Portfolio Management and Investment Advice (523940)

SIC

Finance Services (6199)

akta.pro primary industry

Youth/Student Neobanks (FSABAFAD)

akta.pro secondary industries

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA), Student & Youth Banking (FSABAAAH)

Keywords

• Mobile banking
• Family savings
• Cashback rewards
• Children's investment
• Financial education

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Premium Subscription: Monthly subscription model at 5 CHF per month providing 1% Cashback on all purchases made with the Clanq card, plus access to investment features with 250 CHF welcome bonus for first investment accounts
2. Cashback Partnerships: Revenue generated from partnerships with over 70 merchants who provide Cashback rewards. Cashback is shared between the platform and customers, with Premium users receiving 1% on all purchases plus partner-specific Cashback up to 25%

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Clanq AG provides a mobile banking application (Clanq App) powered by Cornèr Bank that enables Swiss families to save, invest, and teach financial literacy to their children through digital piggy banks, automatic cashback at 70+ partner merchants, and automated investment portfolios. The service is offered via a free Basic tier with a Visa Debit card and a 5 CHF/month Premium tier with 1% cashback on all purchases and investment access.

Product overview

Clanq AG offers a unified family finance mobile application powered by Cornèr Bank. The product portfolio consists of the Clanq App as the core platform, available in two tiers: Clanq Basic (free) and Clanq Premium (5 CHF/month). Key modules include Clanq Kids Banking for children's financial education, a Cashback Program with 70+ merchant partners offering up to 25% cashback, an Investment Portfolio for automated child savings, Digital Piggy Banks (up to 5 per account), and the Familienclan feature for multi-generational participation. All banking services are provided through partner Cornèr Bank (FINMA regulated), with deposits protected up to 100,000 CHF via esisuisse.

Differentiator

Problem solved

Functional benefit

Products and services

• Clanq App Mobile banking and family finance application powered by Cornèr Bank that enables Swiss families to save, invest, and teach financial literacy to their children through digital piggy banks (up to 5 per account), automatic Cashback at over 70 partner merchants, an automated investment portfolio (Premium only) with selectable risk classes, the Clarry-based Kids Banking financial education feature, and the Family Clan multi-generational savings coordination. Offered in two tiers: Basic (free, with Cashback at partner merchants and a Visa Debit card) and Premium (5 CHF per month, with 1% Cashback on every purchase plus investment access and a 250 CHF welcome bonus for new investment accounts). Available in German, French, Italian, and English.

Quantifiable outcome

• Deposits protected up to 100,000 CHF per customer through Swiss deposit insurance

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Cornèr BankcoreTechnology or IntegrationClanq operates as a powered-by partnership with Cornèr Bank (FINMA regulated Swiss bank). Cornèr Bank provides the underlying banking infrastructure, regulatory licensing, deposit insurance (esisuisse up to 100,000 CHF), and all banking services including accounts, Visa debit cards, and investment services. Clanq provides the family-focused mobile interface and user experience layer.
• 70+ Cashback Partner MerchantsminorGTM or Marketing PartnerOver 70 retail and e-commerce merchants provide automatic Cashback rewards to Clanq users. Premium users receive 1% Cashback on all purchases plus partner-specific Cashback up to 25%. Partners include major brands shown in Cashback Partner Logos section.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• N26: Pan-European neobank with broad retail banking including joint/family accounts. Comparable in European mobile-first digital banking but a broad incumbent with no child-specialized product surface.
• PostFinance: Swiss state-owned retail bank offering youth savings accounts and investing. Most credible Swiss incumbent comparable on savings/investing for children, though not mobile-native and not specialized on the multi-generational family use case.
• Revolut Junior: Youth/child sub-account within Revolut's broader neobank. Comparable family/kids offering but inside a much larger multi-country neobank with no specialization in child savings or family coordination.

Direct peers

• Osper: UK-based teen banking app with prepaid card and parental controls. Comparable in mission (financial inclusion and education for minors) and in being a regulated-bank-powered youth product.
• Greenlight Financial: US-based family/kids debit card and investing app with parental controls and financial education. Directly comparable in mission (financial literacy and savings for children) and freemium + subscription monetization model.
• Step: US teen banking app with family accounts, investing and Cashback. Closely comparable product surface to Clanq (account + card + investing + family member participation) with a similar youth-first positioning.
• Copper Banking: US teen/teens-and-families debit card with parent monitoring and financial education content. Comparable mission around child/teen financial literacy with a parent-linked account structure.
• Stash: US investing-and-banking app with custodial accounts for children. Comparable in combining long-term investing for minors with parental-linked accounts, though more investing-led than savings-led.

Emerging players

• bunq: European neobank with family accounts and youth sub-products. Comparable in mobile-first European neobank DNA and account structure for families, though broader in scope than Clanq.

Regional players

• Yuh (Swissquote / PostFinance): Swiss joint-venture neobank by Swissquote and PostFinance. Most direct Swiss-market comparable for mobile-first banking, savings pots and investing, but without Clanq's child-centric specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/clanq

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clanq AG