About Cembra Money Bank

Cembra is a leading Swiss provider of financing solutions and services. Our product range includes consumer finance products such as personal loans and auto leases and loans, credit cards and the insurance sold with these products, SME loans, invoice financing, and deposit and savings products.

We have our headquarters in Zurich-Altstetten and operate across Switzerland through our network of branches and our online distribution channels, as well as credit card partners, independent intermediaries and car dealers.

We have over 1 million customers in Switzerland and employ more than 1,000 people from 36 different countries. In September 2019, we successfully completed our takeover of consumer credit provider cashgate. We have been listed as an independent Swiss bank on the SIX Swiss Exchange since October 2013.


We offer a broad range of financing solutions in Switzerland:

  • Personal loans: Cembra is a leading provider in the highly competitive personal loans market. We are offering a personalised premium service and our products are available through our 17 branches across Switzerland, through independent intermediaries and online.

  • Auto loans and leasing: Cembra is a large brand-independent auto loans and leasing provider in Switzerland. Our products are sold via a distribution network of around 4,000 car dealers, who act as intermediaries. A dedicated sales force of 25 field agents, together with the employees at our four service centres, provide a personalised, flexible and efficient service.

  • Credit cards: We are one of the leading credit card providers in Switzerland, with about 1 million cards in circulation. We offer a range of credit cards through partner programmes with Migros, Conforama, TCS and Fnac, as well as our own credit card. The cards offer a range of attractive features, such as Migros Cumulus points, cash back, personalised designs and no annual fees.

  • Insurance products: We provide insurance products as an intermediary. Alongside our personal loans and auto leasing and loans, we offer financial protection in case of involuntary unemployment, accident, illness or disability. We also offer travel and flight accident insurance and card protection insurance for our credit card customers.

  • Deposits: We provide deposit and savings products at competitive interest rates for both retail customers and institutional clients.

  • Invoice financing: We offer invoice financing through our subsidiary Swissbilling AG.

  • SME financing: At the end of 2019, we started providing financing solutions for small businesses under the brand Cembra Business.


The roots of Cembra Money Bank date back to 1912, when Banque commerciale et agricole E. Uldry & Cie. was founded in Fribourg. This bank later became Bank Prokredit. In 1999, GE Capital merged Bank Prokredit with Bank Aufina, which it had acquired in 1997. In October 2013, the Bank separated from its parent company GE, went public and was rebranded as Cembra Money Bank AG. In 2019, we strengthened our market position by acquiring the consumer finance provider cashgate. At the start of 2020, we changed our brand name to "Cembra".

The Bank is named after the Swiss cembra pine (Pinus cembra), a sturdy and resilient tree with strong roots. This symbolises our Bank’s strength and our origin.