Cembra Money Bank AGReviews 

I recommend 👌
I have had a bad experience with them but I still think they are a great company.

Not transparent fees, long waiting line when you try to reach their help desk.
I spent more than 10 minutes waiting for the help desk to pick up the phone only to ask them to send me a new activation letter for their app (which you need to reactivate everytime you change your phone).
The fees are not transparent, the invoice is produced in a way that I need to resend it to me per email so I could pay it.
If you think that this credit card is free of charge (like it is advertised) it is exactly the contrary of it.

I've seen a lot of bad reviews about cembra card, however my experience with them so far was good especially how their app works that has an easy access to all your real time transactions and also to share my very first fraudelent charge was handled in few weeks after reporting it to their emergency hotline. The fraudelent charge was around 900chf and was credited back to my account. I also got a new card and pin after I reported the issue. I would say their security is very weak against websites in general regardless if it is secured or not because as far as I know I am not opening any unsecured or suspicious website but my card was hacked 3 times. 2nd and 3rd was around less 10chf fraudelent charges and same procedure I did, blocked the card and called their emergency hotline. Other than that, I am happy with their service and hey they have zero annual fee. I hope they would work more in improving the security of the card to avoid getting hack all the time, especially now a days you can't avoid clicking websites unaware of getting your card hacked.

Total disaster concerning the clients support. You can wait half of hour on the telephone line without any success to speak with a operator.

Rude, aggressive and absolutely not capable of listening. My call was just trying to understand a bill that appeared out of nowhere - in a language that I do not speak ... If you pay 48 hours late you are charged a late fee - absolutely horrific experience. NEVER use this company.

Travelled abroad with Cembra master card. Already being charged 1.5% extra for all foreign transactions and not only that, there was a "Spesen adressnachforschung" fee for CHF25 at the end of the statement?! I'd like to file a complaint to have it waved but there was a warning for a further CHF80 to be charged as administrative fees?! Last time I'm using Cembra Money Bank, ridiculous!!!

Phone agent first provided wrong information, than he wanted to sell me a bad product, and he insisted, even with offending tone, saying "you don't understand", while I was clearly understanding he wanted to trick me. the next 2 agents luckily were much more competent and helpful, despite cembra processes are way too complex

this company is an outright disgrace. it allows itself to refuse services which are subcontracted to it by other companies, in this case the TCS, without giving you more reason. but it quickly becomes clear that when you meet all the financial criteria, and when you are asked for proof of income and it comes from invalid insurance and after sending it you are simply refused services, it is clear that this company has discriminating criteria, based on the state of health of its customers

Imagine when an aggressive staff offers you a bad customer service on the phone in the morning?

You might wanna say, wow what a great start of the day. Thank you!

Cembra Money Bank AG, As you know I am not only the one writing a bad review therefore I won’t go to details.

Just to let you know that your employees should take some trainings in order to achieve a mile better customer service skills than their current ones.