Cembra Money Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Cembra Money Bank lends directly to borrowers resident in Switzerland or Liechtenstein, offering personal, car and credit line loans at a fixed rate. It suits employed adults who want an effective annual rate of 5.95% to 9.95% and can clear a hard credit check.

Key facts

Best for
A fixed rate personal or car loan in Switzerland with no arrangement fee.
APR
5.95% to 9.95% (Source, checked September 26, 2026)
Loan amount
CHF 1,000 to CHF 250,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 CHF (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Disbursed to your account after the statutory 14-business-day withdrawal period (Source, checked September 26, 2026)
Representative example
Barkredit example: loan of CHF 10,000 at an effective annual rate of 5.95% to 9.95% over a 12-month term gives total interest of CHF 316.60 to CHF 523.30 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Must be of age and employed; residency in Switzerland or Liechtenstein, foreign nationals also submit a copy of their residence permit (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Credit-line (Source, checked September 26, 2026)
Legal entity
Cembra Money Bank AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
cembra.ch

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInyoutube.com

Pros and cons

Pros

  • Arrangement fees of 0 CHF and a percentage fee of 0% on the loan.
  • Early repayment is free, so spare cash can clear part of the balance sooner.
  • Every loan runs on a fixed rate, so the interest does not move mid term.
  • Personal and car borrowing of CHF 1,000 to CHF 250,000 over terms of 12 to 84.

Cons

  • A hard credit check means a full search is recorded on your file.
  • Your account is credited after the statutory withdrawal period, so budget for the wait.
  • Eligibility is narrow: a minimum age, employment and residency in Switzerland or Liechtenstein.
Cembra Money Bank

Ready to try Cembra Money Bank?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Employed adults in Switzerland or Liechtenstein who want a fixed rate and pass a hard credit check.
  • Borrowers with a lump sum to clear early, since early repayment is free.
  • Savers funding a car purchase or a renovation over terms of 12 to 84.

Who should look elsewhere

  • Not for borrowers comparing a wider rate spread, with Monzo Flex at 10% to 23%.
  • Not for anyone in a hurry, since a statutory withdrawal period passes before the loan arrives.
  • Not for applicants with a thin credit history, since the credit check is hard.

The company behind it

Cembra Money Bank AG is the legal entity, based in Switzerland, and it is supervised by FINMA, the Swiss Financial Market Supervisory Authority. Support runs through phone, email and chat: phone, email, chat and a help centre, so questions can be raised whichever way suits you.

How Cembra Money Bank compares

Where Cembra Money Bank is available

Available
Liechtenstein, Switzerland
Licence in Switzerland
FINMA (Swiss Financial Market Supervisory Authority), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is Cembra Money Bank and what does it lend?+

Cembra Money Bank AG is a direct lender based in Switzerland, so it lends its own money rather than passing you to a broker. It offers personal, car and credit line loans, and every one of them is priced on a fixed rate.

How much can I borrow?+

Loan amounts run CHF 1,000 to CHF 250,000, wide enough to cover a car purchase or a full renovation. Personal, car and credit line borrowing share that range, and the figure you receive depends on your income, your credit file and the term you pick.

What rate will I pay?+

The published range is 5.95% to 9.95% as an effective annual rate, and the rate you are offered depends on your situation. That sits below the personal loan median of 12.25% on the site, and a fixed rate holds for the whole term.

What fees does the loan carry?+

There is no charge for arranging the loan: the fee is 0 CHF and the percentage fee is 0%. What you repay is interest on the balance at the rate you are offered, so the quote turns entirely on that rate and the term.

Will applying put a hard search on my file?+

Yes. The check runs as a hard check, which is a full search recorded on your file. Around 76.5% of the personal loans on the site work in the same way, so it pays to apply only when you are ready to take the offer.

Can I repay the loan early?+

Early repayment is free, so spare cash can clear part of the balance whenever your circumstances allow, with no penalty. Combined with a fixed rate and terms of 12 to 84, paying down early shortens the stretch over which you pay interest.

Who regulates the bank?+

The legal entity is Cembra Money Bank AG, based in Switzerland, and FINMA, the Swiss Financial Market Supervisory Authority, supervises it. What you apply for is a loan from the bank itself rather than a fund, an investment or a pooled product.

When does the money arrive?+

Approved money is credited to your account after the statutory withdrawal period, so this is not a same day facility. Most personal loans on the site do fund quickly, at 81.9%, so plan the wait before you commit.

Sources

  • cembra.ch checked September 26, 2026

    Backs: Loan types

  • cembra.ch/de/kredite/barkredit checked September 26, 2026

    Backs: Loan amount, APR, Lender type, Pricing model, Rate type, Representative example, Term

  • cembra.ch/de/kundencenter/kredit checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Funding time, Arrangement fee, Origination fee (%), Support channels

    “Cembra AI Assistent (Chatbot), Kontakt per E-Mail (Webformular), Kontakt per Telefon 044 439 54 50, Kundencenter”

  • cembra.ch/de/rechtliches/datenschutzerklaerung checked September 26, 2026

    Backs: Legal entity, Licences

    “Cembra Money Bank AG, Bändliweg 20, 8048 Zürich, Schweiz”

  • cembra.ch/de/ueber-uns checked September 26, 2026

    Backs: Headquarters

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Cembra Money Bank

Cembra Money Bank

A fixed rate personal or car loan in Switzerland with no arrangement fee.

9.3/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings