ForexQ.com
ForexQ.com
According to its official website, Cembra is a leading Swiss provider of financing and payment solutions, headquartered in Zurich. Its product range covers personal loans, auto leases and loans, credit cards, related insurance, invoice financing and savings products. The site states that it serves over 2 million customers in Switzerland, employs around 800 people from about 40 countries, has been listed as an independent Swiss bank on the SIX Swiss Exchange since 2013 and is rated A- by Standard & Poor's. It offers the Cembra Mastercard, Certo! and Certo! One Mastercard and co-branded IKEA Family, Fnac, TCS, SPAR, LIPO and Confo'Card cards, Click to Pay and mobile payment options; car, motorcycle, caravan and corporate leasing; flex savings, savings, savings plus and children's savings accounts and medium-term notes. It distributes its products through hubs, online channels, credit card partners, independent intermediaries and car dealers. Cembra Money Bank AG is listed in FINMA's list of authorised banks and securities firms as a bank based in Zurich. This information is the company's own statement.
User reports found online are classified by topic. The reports are compiled from records on Trustpilot, WikiFX, Şikayetvar and FastBull, and one person's records count once.
77 COMPLAINTS · Period reviewed: April 2026 – November 2026
37% of institutions with complaint records received more complaints than this one. 32% of complaints concern fees and commissions.
| TOPIC | COMPLAINTS | SHARE | LEVEL WITHIN SECTOR |
|---|---|---|---|
| Fees and commissions | 25 | 32% | Very high |
| Loans and credit cards | 20 | 26% | Very high |
| Customer support | 12 | 16% | High |
| Withdrawals and payments | 8 | 10% | Medium |
| Other | 8 | 10% | High |
| Unauthorised transactions | 2 | 3% | Very high |
| Account blocks and freezes | 2 | 3% | Medium |
The level is calculated by comparison with institutions in the same sector. Sources: Trustpilot · Şikayetvar · WikiFX · FastBull
The complaint distribution is based on the latest 1-star reviews on Cembra's Trustpilot page (77) as of 25 October 2026; one person's reviews count once, and records about fake sites and third parties using the Cembra name are left out. Across the complaints, high reminder fees for short payment delays, card blocks and card handling problems, and difficulty reaching customer service stand out.
Institutions operating in Retail banking that hold at least one verified licence and have a lower complaint level than Cembra.
The list is generated automatically from the sourced complaint counts, sector-based complaint levels and verified licence records of institutions in the same category; it is not a recommendation or a ranking. There is no paid placement.
According to the data, Cembra has 1 verified licence (FINMA); 77 user reports have been reviewed. This page does not express an opinion; licence records come from official registers and reports from sourced records.
Licences verified in official registers: FINMA (Switzerland).
77 user reports about Cembra were classified in the period April 2026 – November 2026. Most frequent topic: Fees and commissions (25). Sources: Trustpilot, Şikayetvar, WikiFX, FastBull.
Use the "File a Complaint" button on this page to open the form; the institution is preselected. Describe the issue, the date and attach any supporting documents. The complaint is reviewed by our team, published if eligible and forwarded to the institution; with the tracking link you receive, you can follow the process and the institution’s reply.
Licence records are checked against official registers (last verification 25.10.2026). Complaint records are re-scanned every month on Trustpilot, Şikayetvar, WikiFX, FastBull. The institution’s details were last checked on 25.10.2026.