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Cembra Money Bank AG

Retail Bank

Migros Cumulus-Mastercard

Card network:
Card type:
Cembra Money Bank
General information:

Difference to Cumulus-Mastercard MyDesign: Card art cannot be customized.

No cash advance fee is charged for cash advances at Migros stores.

General conditions:
The maximum spending limit depends on the outcome of the credit assessment.
Spending limit:
The maximum limit is CHF 15,000 per month.
Carrying balances:
Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 11.95% is owed.
Late payment fees:
A late payment fee of CHF 30.00 per payment reminder applies.
Customer satisfaction
Bonus points / cash-back
Car rental discounts
Frequent flyer miles
Airport lounge access
Concierge service
Charity & sustainability
Various vouchers & discounts
Insurance: death & disability
Insurance: rescue & repatriation
Insurance: medical expenses
Insurance: flight delay & cancellation
Insurance: car rental
Insurance: luggage
Insurance: purchase protection
Insurance: return protection
Insurance: best price guarantee
Insurance: legal protection
Insurance: various
Annual fee:
There is no annual fee to pay.
Paper invoice:
The monthly paper invoice costs CHF 1.95.
Additional cards:

Additional card free of charge.

Card loss:
A replacement card costs CHF 20.00.
Purchase abroad in CHF:
Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 1.5% of the purchase amount.
Purchase abroad in foreign currency:
For purchases abroad or online in foreign currencies there is an administrative fee of 1.5% of the purchase amount.
Cash withdrawal in Switzerland:
Per cash withdrawal in Switzerland there is a fee of 3.75% of the amount with a minimum of CHF 5.00.
Cash withdrawal abroad:
Per cash withdrawal abroad there is a fee of 3.75% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 1.50%.
Special services:
Samsung Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Online account, PIN, SMS service, Additional cards
Bonus points / cash-back:

Migros Cumulus program: 1 point per 3 francs for purchases from other merchants than Migros.

Insurance: rescue & repatriation:

Up to 50,000 Swiss francs of search, rescue and repatriation costs covered per year.

Insurance: cancellation & assistance:

Coverage of up to 50,000 Swiss francs for trip interruptions.

Customer satisfaction:
Overall assessment    8.5/10 (Very good)
General satisfaction    8.7/10 (Very good)
Recommendation    8.7/10 (Very good)
Helpfulness    8.2/10 (Very good)
Product information    8.3/10 (Very good)
Assistance    8.3/10 (Very good)


Founded in
Number of Employees
German, English, French, Italian, Portuguese
Zurich, several other locations.