Cembra Money Bank: Personal Loans, Car Leasing, Credit Cards, and Savings in Switzerland | KreditSOS

Cembra Money Bank is a leading Swiss financial institution in the consumer credit sector. With a rooted history and a solid reputation, Cembra specializes in offering personal loans, car financing (leasing and credits), credit cards, and savings accounts, catering to individuals and, in part, small businesses across Switzerland. It is distinguished by its simplicity, transparency, and speed in evaluation and approval processes, making it a preferred choice for those seeking flexible and fast financing solutions outside the traditional full-service banking circuit. As a regulated Swiss bank, it also offers deposit protection up to CHF 100,000 for each client.

What financial products does Cembra Money Bank offer?

Cembra Money Bank focuses primarily on four product areas, in which it has developed deep expertise and a wide offering:

• Personal Loans: Financing solutions for individuals for various needs.

• Car Credits and Leasing: Specific financing for the purchase or use of vehicles.

• Credit Cards: Various types of credit cards and related services.

• Savings Accounts and Cash Bonds: Products for capital accumulation with interest rates.

Cembra Money Bank's Personal Loan Offers

Cembra Money Bank is one of the main players in the Swiss personal loan market. It offers financing from CHF 500 to CHF 250,000, with flexible terms ranging from 6 to 84 months. This allows clients to adapt the loan to their needs, whether it's to finance a car, an education, a renovation, or to consolidate existing debts. The application process is quick and straightforward, often with a preliminary decision in a few minutes after filling out the online form or at a branch. The transparency of the conditions and the absence of hidden fees are key strengths of Cembra. Here you can find more details on Cembra Money Bank's personal loans and compare them with other options.

Cembra Money Bank's Car Credit and Leasing Offers

In the car financing sector, Cembra Money Bank offers both car credits and leasing solutions, providing flexible options for the purchase or use of vehicles. The car credit allows you to become the owner of the vehicle immediately, with a personalized repayment plan. Leasing, on the other hand, allows you to use a vehicle by paying monthly fees for an agreed period, without having to bear the full cost of purchase. Cembra collaborates with a wide network of car dealerships across Switzerland, facilitating access to these financing solutions.

Cembra Money Bank's Savings Account and Cash Bond Offers

Cembra Money Bank offers several savings products, including savings accounts and cash bonds.

Savings Accounts: Cembra offers various options, such as the "Savings Flex Account" and the "Savings Plus Account," which provide attractive interest rates and different withdrawal conditions and notice periods to maximize flexibility or returns. The opening and management of these accounts are free and can be fully managed online through the "mySavings" service.

• Cash Bonds: For those who wish to invest their savings long-term with a guaranteed return, Cembra offers cash bonds with fixed interest rates for the entire duration of the contract. This provides security and predictability of income. 

Regarding Pillar 3a pensions: Cembra Money Bank does not directly offer Pillar 3a pension funds or account. Its primary focus is on consumer credit and liquid savings products. Although pension planning is an important aspect for many clients, Cembra does not manage it directly as its own banking product. 

Advantages and Disadvantages of Cembra Money Bank

To help you make an informed choice, here is a summary of the main pros and cons of relying on Cembra Money Bank:

Advantages:

• Specialization and Speed: Deep expertise in consumer credit with fast processes for loans, leasing, and cards.

• Targeted Product Range: Offers specific and well-defined solutions for financing and savings.

• Transparency and Flexibility: Clear conditions and customizable solutions.

• Local Presence: Network of branches and partners across Switzerland for those who prefer physical contact.

• Reliability: Regulated Swiss bank with deposit protection.

Disadvantages:

• Not a Universal Bank: Does not offer the full range of traditional banking services such as complete current accounts for daily salary management, traditional mortgages, or complex investment services (beyond savings accounts and cash bonds).

• No Direct Pillar 3a Pension: It does not offer its own Pillar 3a pension products, making it less suitable for those seeking a single provider for all financial services, including pensions.

• Costs: Interest rates on personal loans can vary and may be less competitive for those with excellent creditworthiness who can access different bank offers.
  

Contacting Cembra Money Bank: how to reach Cembra Money Bank's customer service

If you need assistance or would like more information, here is how you can contact Cembra Money Bank's customer service:

• Phone: +41 44 439 50 50 (Monday to Friday, 08:00 AM – 06:00 PM)

• Contact Form: Available on Cembra Money Bank's official website.

• Email: info@cembra.ch

• Branches: You can go directly to one of the numerous Cembra branches throughout Switzerland.

Cembra Money Bank Headquarters and Addresses

Cembra Money Bank has its main headquarters in Switzerland and a network of branches across the country.

• Main Headquarters: Cembra Money Bank AG, Bändliweg 20, 8048 Zurich, Switzerland

Other Locations/Branches: Cembra has around 20 branches throughout Switzerland, in addition to a vast network of partners. You can find the full list and specific addresses on the branch locator on Cembra Money Bank's official website.