Cembra Money Bank AG

Cembra Money Bank AG is a leading Swiss consumer finance institution specializing in innovative financing and payment solutions. Established in 1912 and later rebranded after its 2013 IPO, the bank serves over 2 million customers with products including personal loans, auto leasing, credit cards, insurance, and savings accounts. Its operations span Switzerland through branches, digital platforms, and partnerships with brands like IKEA, SPAR, and TCS. Cembra differentiates itself through a customer-centric approach, offering tailored solutions such as the Certo! credit card line and integrated mobile payment options like Apple Pay and Google Pay. Rated A- by Standard & Poor’s, it maintains a robust position in the Swiss financial sector, emphasizing sustainability through inclusion in the MSCI ESG Leaders Index. The bank’s consistent growth, underscored by a CHF 476 million revenue in Switzerland (2024) and a CHF 170.4 million net income (2024), reflects its adaptability in evolving markets and commitment to responsible lending practices.