Cembra Money Bank AG

Cembra Money Bank AG is a Swiss financial institution specializing in consumer finance and payment solutions. Headquartered in Zurich, Cembra serves a diverse range of over one million customers across Switzerland through a broad network of branches, online channels, and strategic partnerships with credit card providers, intermediaries, and car dealers. Its core offerings include personal loans, auto leases and loans, a variety of credit cards—including co-branded cards with major retail partners—invoice financing, savings products, and related insurance services. Since its launch as an independent entity in 2013 following a spin-off from GE Money Bank, Cembra has grown to become a significant player in Swiss retail banking. The bank is recognized for its customer-centric approach, robust credit risk management, and strong sustainability ratings. Cembra’s blend of digital services and physical distribution supports its role as a leading provider in Switzerland’s consumer finance market, making it integral to the country’s personal lending and payments landscape.