Cembra Money Bank
Cembra Money Bank is a Zurich-based Swiss consumer finance bank offering personal loans, vehicle leasing, co-branded and proprietary Mastercard credit cards, savings products, and insurance, serving over 2 million customers across Switzerland via direct, branch, and partner channels.
- Company typePublic
- Founded2013
- HeadquartersZürich, Switzerland
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Cembra Money Bank does
Cembra Money Bank AG is a Swiss consumer finance bank headquartered in Zurich and listed on the SIX Swiss Exchange since 2013, serving over 2 million customers across Switzerland through two core business segments: Lending and Payments. The Lending segment offers personal loans (Barkredit with fixed monthly installments starting at 5.95% APR, Barkredit Plus with a 24-month flexible drawdown period at 9.95%), point-of-sale financing (Finanzierung) through partner merchants, and vehicle leasing for cars, motorcycles, caravans, and corporate fleets. The Payments segment operates proprietary and co-branded Mastercard products (Certo!, Cembra Mastercard Gold/Premium, and partnerships with IKEA, TCS, Fnac, Conforama, SPAR, and LIPO) alongside the CembraPay BNPL platform, with card payment enabled through Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, SwatchPAY!, Fidesmo Pay, and Click to Pay. The bank also distributes twelve protection insurance add-ons (CarProtect, CyberProtect, HomeProtect, IncomeProtect, PaymentProtect, TravelProtect, etc.) and savings products (Sparkonto Flex, Sparkonto, Sparkonto Plus, Kindersparkonto, and Kassenobligation medium-term notes).
Cembra Money Bank firmographics
Firmographics- Name
- Cembra Money Bank
- Legal name
- Cembra Money Bank AG
- Website
- https://cembra.ch
- Company type
- Public
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Cembra Money Bank is a Zurich-based Swiss consumer finance bank offering personal loans, vehicle leasing, co-branded and proprietary Mastercard credit cards, savings products, and insurance, serving over 2 million customers across Switzerland via direct, branch, and partner channels.
- Ownership category
- akta.pro rank
Cembra Money Bank industry classification
Industry- Product category
- Consumer Finance
- NAICS
- Consumer Lending (522291), Credit Card Issuing (52221), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141), Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where Cembra Money Bank is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Cembra Money Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Lending: Primary revenue stream from personal loans, vehicle financing, and credit cards. Interest charged on outstanding balances and installment plans. Net income of CHF 179.6 million in FY 2025.
- Credit Card Fees and Interchange: Revenue from co-branded credit card partnerships including annual fees (some cards have no annual fee), interchange fees, and cash advance fees. Products include Certo! Mastercard, Cembra Mastercard Gold/Premium, and partner cards.
- Vehicle Leasing: Revenue from vehicle leasing operations for cars, motorcycles, and caravans, serving both individuals and corporate clients through partnerships with vehicle dealers.
- Savings Deposits: Interest paid to customers on savings products including Sparkonto Flex, Sparkonto, Sparkonto Plus, children's savings accounts, and medium-term notes (Kassenobligationen).
- Insurance Products: Commission revenue from related insurance products including CarProtect, CyberProtect, HomeProtect, IncomeProtect, MoneyProtect, MotoProtect, PaymentProtect, ShoppingProtect, TravelProtect, and payment protection insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal loan (Barkredit) starting rate of 5.95% |
| Subscription | Monthly | Barkredit Plus flexible personal loan at 9.95% interest rate |
| Subscription | Monthly | Homeowner loan starting at 4.95% |
| Subscription | Monthly | Financing for goods and services starting from CHF 5,000 |
| Subscription | Monthly | Cembra Mastercard Gold/Premium with 12% annual interest on installments |
| Freemium | Annual | Co-branded credit cards with cashback rewards and varying annual fees |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels9 records
Cembra Money Bank product offering
Product offeringCore offering
Cembra Money Bank is a Swiss consumer finance provider offering personal loans (Barkredit, Barkredit Plus, point-of-sale financing), vehicle leasing for cars, motorcycles, caravans, and corporate fleets, a portfolio of Mastercard credit cards (own-brand Cembra, Certo!, and co-branded cards with IKEA, Fnac, SPAR, TCS, Conforama, and LIPO), savings deposits (Sparkonto, Sparkonto Flex, Sparkonto Plus, children's savings, Kassenobligationen), and a suite of add-on insurance products (PaymentProtect, CarProtect, TravelProtect, etc.). The offering is delivered through a website, the Cembra App, an eService portal, physical branches, and partner networks of vehicle dealers, credit intermediaries, and retailers.
Product overview
Cembra Money Bank AG is a Swiss consumer finance provider offering a comprehensive suite of financial products organized across three core business segments: Lending, Payments, and Insurance. The Lending division provides personal loans (Barkredit with fixed-term monthly payments and Barkredit Plus with flexible drawdown period), vehicle financing through dealer-partnered leasing (Auto, Motorcycle, Caravan, and Corporate Leasing), and point-of-sale financing through the Finanzierung product. The Payments division operates through co-branded Mastercard credit cards (Certo! Mastercard, Certo! One Mastercard, Cembra Mastercard, Confo'Card Mastercard, Fnac Mastercard, IKEA Family Credit Card, LIPO Mastercard, SPAR Mastercard, TCS Mastercard) and the BNPL solution CembraPay, all supported by extensive mobile payment integrations including Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, SwatchPAY!, Fidesmo Pay, and Click to Pay. The Insurance division offers 12 distinct protection products (CarProtect, CyberProtect, HomeProtect, IncomeProtect, MoneyProtect, MotoProtect, PaymentProtect, ShoppingProtect, TravelProtect, Raten-Versicherung, Raten-Versicherung Plus, and Raten-Versicherung für Selbständige) as add-on coverage for lending products. Savings products include Sparkonto Flex, Sparkonto, Sparkonto Plus, Kindersparkonto, and Kassenobligation. The digital experience is delivered through the Cembra App and eService portal, serving over 2 million customers across Switzerland.
Differentiator
Problem solved
Functional benefit
Brands
- CembraPay: BNPL and flexible payment solutions for consumers
- Certo! Mastercard
- Certo! One Mastercard
- Cembra Mastercard
- Confo'Card Mastercard
- Cembra App
Products and services
- Barkredit (Cash Loan) Fixed-term personal loan for Swiss residents offering a lump-sum disbursement repaid in equal monthly installments at a starting rate of 5.95% APR. Used for home improvements, debt consolidation, education, and major purchases.
- Barkredit Plus (Cash Loan Plus) Flexible personal loan providing a credit limit with a 24-month drawdown period at 9.95% interest, followed by a fixed repayment phase of 12-72 months. Customers draw funds as needed during the flexible phase.
- Finanzierung (Point-of-Sale Financing) Financing for goods and services available at partner retail locations, starting from CHF 5,000 with terms up to 60 months. Partner initiates the application; customer completes via QR code or email link.
- Certo! Mastercard No-annual-fee Mastercard World credit card offering 1% cashback at Migros, Coop, and SBB and 0.25% cashback elsewhere, plus best-price guarantee and purchase protection insurance.
- Certo! One Mastercard No-annual-fee Mastercard World credit card with 1% cashback at three customer-selected favorite retailers, plus best-price guarantee insurance.
- Cembra Mastercard (Gold / Premium) Mastercard offered in Gold and Premium status with a personal credit limit, flexible monthly payment options, and contactless payment capability. Annual interest of 12% applies to installment balances.
- Confo'Card Mastercard No-annual-fee Mastercard with 0% interest for 3 months at Conforama, worldwide point collection, insurance benefits, and customizable card design.
- Fnac Mastercard
Quantifiable outcome
- 5% net income growth to CHF 179.6 million in FY 2025 despite 2% revenue decline
- +4 more outcomes
Companies that use Cembra Money Bank
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Cembra Money Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
Cembra Money Bank partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, flagship and minor.
- Vehicle Dealers (Fahrzeughandel)coreCembra partners with vehicle dealers across Switzerland to provide financing and leasing solutions for cars, motorcycles, and caravans. Dealers initiate the financing process and Cembra provides competitive rates. Partners have access to eConnect Portfolio portal for portfolio management.
- Credit Intermediaries (Kreditvermittler)coreProfessional credit brokers who refer customers seeking personal loans and financing solutions to Cembra. Partners receive access to Agent Login portal for managing customer applications and relationships.
- IKEA SwitzerlandflagshipCo-branded IKEA Family Credit Card offering no annual fee, purchase protection, and SOS travel insurance. Card made from 100% recycled material. Cembra issues and manages the card while IKEA promotes it to their customer base.
- Fnac SwitzerlandcoreCo-branded Fnac Mastercard with no annual fee and attractive special offers at Fnac stores. Joint marketing of the credit card product.
- Conforama SwitzerlandcoreConfo'Card Mastercard offering 0% interest for 3 months at Conforama, worldwide points collection, and flexible installment options. Includes MyDesign feature for custom card design.
- SPAR SwitzerlandcoreSPAR Mastercard World with no annual fee and installment payment option. Co-branded card promoted through SPAR retail network.
- Touring Club Switzerland (TCS)flagshipTCS Mastercard with cashback on travel and fuel purchases. Includes TCS Member Mastercard (no annual fee) and TCS Travel Mastercard Gold (CHF 100 annual fee). TCS eCharge integration for electric vehicle charging at 382,000+ charging points across Switzerland and Europe.
- LIPO SwitzerlandminorLIPO Mastercard with loyalty points program and no annual fee. Card promoted through LIPO store network.
- Retail Partners (Point-of-Sale)coreVarious retail partners offering Cembra financing at point of sale. Partners initiate the financing process, and customers receive application links via email and QR code. Financing available for amounts from CHF 5,000 with terms up to 60 months.
- Mobile Payment ProviderscoreIntegrations with major mobile payment platforms including Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, SwatchPAY!, Fidesmo Pay, Click to Pay, and Xiaomi/Zapp Pay to enable contactless mobile payments with Cembra credit cards.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
Cembra Money Bank competitors and assessment
Company assessmentEmerging players
- Capital One: US consumer-finance specialist with a credit-card-led business model and proprietary tech stack. Comparable in consumer credit and card focus, though operating in a far larger and more competitive US market.
- Ally Financial: US digital-first consumer bank offering credit cards, personal loans, auto financing, and savings. Comparable in digital consumer-finance strategy and product breadth, though at much larger US scale.
- Synchrony Financial: US private-label and co-branded credit card issuer partnering with major retailers. Directly comparable in revenue model (retail co-branded cards) and consumer credit underwriting, though focused on the US market.
Broad incumbents
- UBS Switzerland: Switzerland's largest bank, offering the full suite of consumer credit, credit cards, and wealth products to Swiss residents. Overlaps with Cembra in personal loans and credit cards but at significantly greater scale and brand.
- Raiffeisen Switzerland: Switzerland's largest cooperative bank with comprehensive consumer lending, cards, and savings offerings. A much larger incumbent, but competes directly with Cembra in Swiss consumer finance and credit cards.
Direct peers
- PostFinance: Switzerland's leading retail payments provider, offering consumer credit, credit cards, and savings products to Swiss residents. Directly comparable in target customer, product set, and regulated Swiss-bank status.
- Bank Cler: Swiss universal bank focused on private customers and SMEs, with consumer credit, credit cards, and mortgage products. Comparable mid-sized Swiss bank competing for the same retail customer base as Cembra.
- Migros Bank: Swiss retail-focused bank with a co-branded credit card and consumer lending products closely mirroring Cembra's distribution-and-payments model. Both target Swiss retail consumers via store-driven acquisition and branded Mastercard portfolios.
- Valiant Bank: Swiss regional bank providing personal loans, credit cards, and savings to retail and SME customers in Switzerland. Comparable product mix and Swiss-resident customer focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Cembra Money Bank social profiles
Digital presenceCembra Money Bank compliance and trust
Trust signalCompliance1 record
Cembra Money Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cembra Money Bank leadership team
Management profileNumber of profiles
Profiles1 record
Cembra Money Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cembra Money Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cembra Money Bank
What does Cembra Money Bank do?
Cembra Money Bank is a Swiss consumer finance provider offering personal loans (Barkredit, Barkredit Plus, point-of-sale financing), vehicle leasing for cars, motorcycles, caravans, and corporate fleets, a portfolio of Mastercard credit cards (own-brand Cembra, Certo!, and co-branded cards with IKEA, Fnac, SPAR, TCS, Conforama, and LIPO), savings deposits (Sparkonto, Sparkonto Flex, Sparkonto Plus, children's savings, Kassenobligationen), and a suite of add-on insurance products (PaymentProtect, CarProtect, TravelProtect, etc.). The offering is delivered through a website, the Cembra App, an eService portal, physical branches, and partner networks of vehicle dealers, credit intermediaries, and retailers.
Is Cembra Money Bank a public or private company?
Cembra Money Bank is a public company. It is classified as public and is currently operating.
When was Cembra Money Bank founded?
Cembra Money Bank was founded in 2013. It employs 501 to 1,000 people.
Where is Cembra Money Bank based?
Cembra Money Bank is headquartered in Zürich, Switzerland, in the Europe region.
How does Cembra Money Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are credit Card Fees and Interchange, vehicle Leasing, savings Deposits and insurance Products.
Who are Cembra Money Bank's main competitors?
Emerging players on record are Capital One, Ally Financial and Synchrony Financial. Broad incumbents are UBS Switzerland and Raiffeisen Switzerland. Direct peers are PostFinance, Bank Cler, Migros Bank and Valiant Bank.
Does Cembra Money Bank have an API?
No public API is recorded for Cembra Money Bank.
What industry is Cembra Money Bank in?
Cembra Money Bank's product category is Consumer Finance. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 522291 and its SIC code is 6141.