We are constantly developing our products and services to make them even easier and more secure. This means our customers benefit from greater convenience, transparency and flexibility in their everyday lives, from shopping to financing.
Credit card available in no time
A fast onboarding process enables a fully digital card application, allowing selected customers to have their credit card issued within minutes via smartphone and use it virtually straight away – ideal for online purchases.
Pay later with TWINT
In collaboration with TWINT, we offer the “pay later” function under the Swissbilling brand. When checking out in the TWINT app, customers can choose whether they want to pay the amount immediately or within 30 days using this function.
On-site financing
Integrated financing solutions at the point of sale allow customers to quickly and easily obtain financing from selected partners for larger purchases, such as a new kitchen.
Personal loans now available in the Cembra app
The Cembra app is now also available to personal loan customers. They can conveniently view and manage their contracts, invoices and payments there. In addition, they have access to product and contract details, the current status of payments, payment information for e-banking and the annual interest statement. Contact and address changes can also be made directly via the app.
Fast leasing decisions
With our new car leasing platform, we have comprehensively digitised the processes involved in vehicle leasing. Thanks to standardised data entry, leasing applications can now be assessed within three hours on average. This makes buying a car more convenient for our customers and gives them quick certainty about financing.
Instalment plans
Selected customers can now split larger credit card purchases into instalments directly in the app. This offers more flexibility for larger individual purchases. The monthly instalments and the calculated interest rate are clearly displayed in the app.