Customer focus

Uncompromising customer focus. Our customers’ needs are changing. We are responding to this by focusing consistently on products and services that bring added value and enhance the digital experience. The positive feedback that we receive encourages us to keep giving it our all as we move forward.

Cembra employees are passionate when it comes to supporting our customers. “We speak their language and understand what they need. We know how we can help them in building up their business and expanding it”, explains Holger Laubenthal, Cembra’s CEO. “This not only leads to a high level of satisfaction within our partner network, but also to satisfied end customers.”

We are not resting on our laurels though. The faster pace of digitisation means that intuitive and easy-to-use solutions are increasingly indispensable. That is why Cembra is systematically focusing on improving user friendliness and the digital customer journey. New products will differentiate our value proposition further, with the aim of offering customers a comprehensive experience and tailored solutions. The launch of the Cards Mobile First self-service app in the first quarter of 2022 will greatly enhance the user experience and our interaction with customers.

AXA – Insurance

AXA offers personal risk, property, liability and life insurance, as well as healthcare and occupational pensions. The partnership between Cembra and AXA has been in place since 1997.

“Cembra is a valued and reliable partner for us. We are looking forward to what we can achieve together in the future.”

Jeffrey Aegerter,


TCS – Credit cards

As a long-established Swiss non-profit organisation with 1.5 million members, TCS has been committed to safe and sustainable mobility for more than 125 years. TCS and Cembra have been working together for more than ten years.

“Cembra shares our values and understands our business. This means we can find joint solutions that provide genuine added value for our members.”

Bernhard Bieri,


IKEA – Buy Now Pay Later

IKEA and Cembra have been cooperating since 2021 of a credit card for the home furnishing group’s customers. Swissbilling offers an additional purchasing on account option.

“The financing options offered by Cembra and Swissbilling make our products even more accessible to our customers.”

Philip Freese,


Credaris – Agent

Independent credit service provider Credaris is a partner service of and specialises in serving as an intermediary for personal loans. The partnership-based cooperation between Credaris and Cembra began in 2014.

“Cembra is a reliable and dependable partner for us. Thanks to Cembra’s entrepreneurial spirit, we can easily reconcile the goals of our two companies.”

Ana Henriques,


QONEO – Auto leases and loans

QONEO is a leading Swiss provider of prestigious premium sports cars in the luxury segment. The partnership with Cembra for financing sports and luxury vehicles has been in place since 2014.

“We appreciate our equal partnership with Cembra and their deep understanding of the car market.”

Séverin Nava,