With installment payments, you do not pay the full amount of your monthly statement at once. Instead, you pay at least the minimum payment due or another installment amount of your choice. Interest is charged on the outstanding balance.

The installment payment option gives you more flexibility when paying your monthly statement. You don't have to pay your full statement balance in one payment. Instead, you can pay at least the minimum payment due or a higher amount of your choice. This gives you greater financial flexibility. Please note that interest is charged on any outstanding balance.

For Certo! and Certo! One statements, it is now clearly shown whether the installment payment option is activated or not. If installment payments are available, the payment options are displayed, including at least the minimum payment due. For other statement designs, the current presentation remains unchanged: if installment payments are available, a minimum payment due is shown; if installment payments are not available, no minimum payment due is displayed. The information shown directly on your statement is always binding.

If the installment payment option is activated for your credit card, simply choose the amount you would like to pay on your monthly statement: the full statement balance, the minimum payment due, or another installment amount of your choice.

If the option is not activated, please return the signed agreement to us. If you no longer have the agreement, please contact Customer Service.

Whether the installment payment option is activated depends on various criteria. For example, it may not be activated if a required signature is missing or if the product is not a full credit card and only a virtual card is available.

If your statement shows that the installment payment option is not activated or no minimum payment due is displayed, installment payments are not available for that statement. In this case, the full statement balance must be paid by the due date.

If you pay only part of your monthly statement within the payment period, you automatically use the installment payment option. Interest is charged on the outstanding balance. Interest is calculated from the transaction date.

No. You can decide how much you would like to pay with each monthly statement. Choosing installment payments for one statement does not mean you must continue making installment payments in the future.

You can pay the full statement balance on your next statement. In that case, no interest will be charged on the new statement balance, provided the full amount is paid within the payment period.

The minimum payment due is the minimum amount you must pay when using the installment payment option. It is 2.5% of the statement balance, but at least CHF 50.00.

You can pay the minimum payment due shown on your monthly statement or another installment amount of your choice. If you pay the full statement balance within the payment period, no interest will be charged.

Any outstanding balance remains on your credit card account. As long as your account has an outstanding balance, you must make a payment each month within the payment period. Interest is charged on the outstanding balance.

Please note that the billing date remains the same on each monthly statement. It can be changed upon request to Cembra.
From the billing date, a 20-day payment period begins. Your payment must reach us within this period.

As a cardholder, you are required to make a payment each month within 20 days of the billing date, as long as your credit card account has an outstanding balance.
To avoid reminder fees, please initiate your payment early through your bank or post office. If a payment received within the deadline is lower than the minimum amount stated on the monthly statement, a reminder with a fee will be issued. In addition, late interest will be charged.

Your monthly payment can be:

• the full amount of the monthly statement -> no interest charged

• the minimum amount stated on the monthly statement (2.5% of the total, but at least CHF 50.–) -> interest will be charged

• a partial amount of your choice -> interest will be charged

Example 1: Partial payment of your choice

Total statement amount: CHF 1’000.–
Amount paid: CHF 200.–
Late interest will be charged.

Example 2: Payment of the minimum amount

(2.5% of the statement amount, min. CHF 50.–)
Total statement amount: CHF 1’000.–
Amount paid: CHF 50.–
Late interest will be charged.

If a partial payment is made within the 20-day payment period, credit interest will be charged from the transaction date.
If the cardholder makes a late payment or no payment at all within the 20-day period, late interest equal to the credit interest will be charged.
No late interest is charged on the credit interest.
Interest is calculated individually for each transaction (credit card payment), from the transaction date until the payment is received.
Interest is calculated based on the daily balance of the account.

A processing fee of 1.5 to 2.0% is charged on the total amount paid for the following transactions:

• transactions in foreign currency abroad (excluding Liechtenstein)

• CHF transactions abroad

• transactions on foreign websites

• transactions in foreign currency at a point of sale

• transactions in foreign currency online

• transactions in Swiss francs at a foreign point of sale

• transactions in Swiss francs on a foreign website

• cash withdrawals abroad (excluding Liechtenstein)

• EUR cash withdrawals in Switzerland

All transactions made with a Swiss credit card in Swiss francs (CHF) at a foreign point of sale or on a foreign website are considered foreign transactions in CHF.
This includes direct currency conversions into CHF at the place of purchase or purchases in CHF on foreign websites (online or via apps).

Online providers may appear to be based in Switzerland (e.g. domain ending in “.ch”, prices in CHF).
The legal notice or general terms and conditions on the provider’s website will indicate the company’s registered location.

Cembra App -> Overview -> Tap the relevant transaction ->
Alternatively, you can use our dispute form to report the transaction.
You have 30 days to dispute a transaction.

Cembra App -> Overview -> Tap the relevant transaction ->
Alternatively, you can contact our Customer Support to block your card.

If you have followed all due diligence measures, the bank is liable for misuse by third parties. Please also refer to the section “Security tips for using your credit card online: what to keep in mind” in this FAQ.

Sign your credit card immediately upon receipt on the signature strip on the back (if available – otherwise, no signature is required).
Your PIN is delivered directly in the Cembra App. If you forget it, you can view it at any time in the Cembra App.

Examples of due diligence:

• Always keep your PIN secret and never share it with others

• Do not share SMS codes

• Do not disclose your card details by phone or via email links

• Use secure and trusted websites for online transactions

• Regularly check your credit card statements for unknown transactions

Never disclose your credit card details (card number, expiry date, CVC, PIN) for informational purposes – even if you are told the card will not be charged.
Make sure to only carry out online transactions via a secure connection (e.g. SSL/https).
Always check for the padlock symbol in the address bar and that the URL begins with “https”.

Check your monthly statements for incorrect or suspicious transactions.
If you notice a suspicious or incorrect transaction, proceed as follows:

Cembra App -> Overview -> Tap the relevant transaction ->

Before making a purchase, always review the merchant’s terms and conditions before entering your card details and completing your order.

Only use your credit card with reputable providers. Signs of trustworthiness include transparent information about data encryption, legal notice, company address, email address, phone number and general terms and conditions.

Do not make purchases with your credit card on public computers (e.g. in an internet café).
Your data may remain in the cache and be accessed by the next user.

With Cembra App

Cembra App -> Overview -> Tap the relevant transaction

Fraudsters use phishing to obtain confidential information (such as card numbers or passwords) via seemingly legitimate emails, SMS, calls or websites. Even if you are not a Cembra customer, you may still be targeted. Never respond to such requests. Cembra will never ask you to disclose confidential information by email, SMS or phone.

Your credit card is equipped with the latest chip technology and offers a high level of protection against misuse.
It allows you to identify yourself with your personal PIN and authorize transactions.
It is even more secure when used with Click to Pay or Mobile Payment.

Your PIN allows you to use your credit card wherever PIN entry is required – for example, in stores, at gas stations or ATMs.
PIN entry replaces your signature.
Whether a transaction requires a PIN or signature is determined by the respective Mastercard merchant.
For contactless payments up to CHF 80.–, no PIN is required.
Your PIN is available in the Cembra App and can be changed at any ATM in Switzerland.

You can call us to have your current PIN resent. A fee applies for this service.

With Cembra App

Cembra App -> Overview -> Tap the relevant card -> More -> Cards -> Forgot PIN

You have three attempts to enter your PIN correctly.
After three incorrect entries, your card will be blocked for 24 hours for security reasons.

You can also call us to have your current PIN resent. A fee applies for this service.

With Cembra App

You can view your PIN at any time in the Cembra App:
Cembra App -> Overview -> Tap the relevant card -> More -> Cards -> Forgot PIN