Annual Report 2022

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VAT increase

As of 1.1.2024, the VAT will be increased to 8.1%.

FAQs QR-Bill

Answers to the most common questions relating to using the new QR-Bill are available here.

FAQ Cembra App

Answers to the most common questions relating to using our Cembra App are available here.

FAQs eService

Answers to the most common questions relating to using our eService are available here.

Credit cards

Learn more about our various credit cards and services.

Saving

Clever alternatives to your savings account with guaranteed fixed interest rates.

Leasing

Lease a car with us and remain financially flexible.

Insurance

Learn more about the insurance possibilities for our product range.

Loan with a cash reserve

This loan gives you flexible access to cash in a bank account for a two-year period.

Flexible loan financing

You can obtain a cash loan with flexible financing.

Finance your education

If you don't have any support from the state or private sources, obtain a loan to finance your education.

Finance a used car

This is the loan for buying a used car. Enjoy the advantages of leasing and a loan in one product.

Caution: Fraudulent e-mails

Currently fraudulent E-Mail messages – also known as "Phishing" - are being circulated. Beware of E-Mail inviting you to reveal your confidential data.