Questions and answers

Our savings products and medium-term notes are intended for customers of legal age who reside in Switzerland. They offer a safe investment for your money.

Yes, both the funds in the savings accounts and the medium-term notes are subject to deposit protection and are secured to up to CHF 100,000 per customer relationship.
(Safeguarding Swiss bank balances | esisuisse)

No, you can find all the information you need to open a savings account or a medium-term note at cembra.ch/savings. If you have any further questions, please do not hesitate to contact us by e-mail at funding@cembra.ch or by phone on 044 439 54 00.

Yes. Cembra has fully digitalised the opening of its savings accounts and medium-term notes. This allows you to open an account conveniently and independently online.

Once you have successfully opened your account, you can add further savings accounts at any time:

1. Log into mySavings.
2. Go to «Documents & News» and click on "Contact Form".
3. Select «Cash bond order» or «Account» in the subject line.

Tell us which additional savings product you would like, and click on "Send".

Cembra is regulated by the Swiss Financial Market Supervisory Authority. We are therefore legally obliged to clarify the origin of any assets deposited. Thank you very much for your cooperation.

No. The online savings accounts and medium-term notes can only be opened by, and in the name of individuals.

No. The online savings accounts and medium-term notes are free of charge.

You can issue payment orders or withdrawals via the "Payments" instructions window in your personal mySavings online access. Please note that payments can only be made in favour of a bank account in your name in Switzerland or Liechtenstein. You must provide us with the IBAN. Payments to third parties cannot be made.

You can issue orders such as changes of address, authorisations, subscription of medium-term notes, opening additional savings accounts in your name, etc. using the message field in your personal mySavings online access. Simply select the appropriate category.

Medium-term notes are fixed investments that offer you a guaranteed interest rate over the entire term. The terms for medium-term notes are between 2 and 10 years, and interest is paid annually to your Flex Savings Account.

You can easily take out medium-term notes online. Further information on the advantages and conditions of medium-term notes can be found on the Cembra website.

Medium-term notes are fixed-term investments that are invested for the selected term and yield the corresponding interest income. Early repayment of a medium-term note is possible in justified exceptional cases and will be reviewed and decided by the bank. You can submit a relevant request using the message field in your personal mySavings online access. Early repayment is subject to a non-cancellation fee of 2% of the nominal amount, plus any refinancing costs. Further information on this can be found at cembra.ch/medium-term-notes or in the General Terms and Conditions.

The portfolio of Cembra savings products includes the Flex savings account, the Savings Account and the Savings Account Plus. A children's savings account is also available. Each of these accounts has its own features and benefits to meet the different needs of customers.

The Children's Savings Account is a special type of savings account that you can set up for your children to lay the foundations today for the achievement of smaller or larger plans. Cembra supports you with a preferential interest rate.

mySavings is an online service from Cembra that allows you to manage your savings products easily and securely using your personal login. With mySavings, you have access to your savings, account movements and tax documents at all times, and can send orders directly to Cembra.

Cembra is regulated by the Swiss Financial Market Supervisory Authority. We are therefore legally obliged to clarify the origin of any assets deposited. Thank you very much for your cooperation.

You can easily download all documents and statements (e.g. basic contract, interest statements, etc.) as PDF files from your personal mySavings online access under «Documents & News».