domain

Cembra.ch (Domain) Investigation & Evidence Report

Generated on Jan 10, 2026

cembra.ch

http://cembra.ch

Geo: Switzerland

Website:

Category: Domain

Recommendation

Proceed

Overall Summary

Safe

Why we think so?

Cembra.ch is the website of Cembra Money Bank AG, a licensed Swiss financial institution specializing in consumer credit, leasing, and credit cards. It ranks #85,226 globally, with about 376,000 visits monthly mainly from Switzerland, and uses reliable technologies like Adobe Marketing Cloud and Google Analytics. The domain uses a valid SSL certificate and proper DNS setup. Online reviews show mixed customer satisfaction: many praise friendly advisors and smooth loan services, but common complaints involve difficult phone access, delayed payments fees, and app usability issues. No scam warnings or phishing listings are found. The bank faced a 2025 Swiss data protection ruling but operates under financial regulation and publishes security guidance. Overall, cembra.ch is a legitimate and established financial site with typical consumer service challenges.

Confidence Score Our overall confidence rating for this entity based on public signals, activity, and risk checks.

88%

Risk Insights

🏦

Legitimate Swiss Financial Institution

Operates Cembra.ch with a valid SSL certificate
Licensed as Cembra Money Bank AG in Switzerland
Physical branches with positive presence confirmed

⚠️

Mixed Customer Experiences

Customer service considered hard to reach with long waits
Some complaints about fees and poor app performance
No indications of fraud or scam from online reports

Category Scores

Red Flags & Warnings

Multiple customer complaints about long wait times and difficulty reaching customer service by phone.
Reports of harsh collection and reminder fee practices leading to unfavorable customer experiences.

Detailed Checks & Insights

0-100 Scale

Domain Technical Health

Score: 90

Passed

"No critical technical flags or expiry issues detected."

Reason: Cembra.ch has a valid SSL certificate and properly configured DNS records, ensuring secure and reliable domain infrastructure.

Brand Legitimacy and Trademark

Score: 85

Passed

"Trademarks are live and properly registered; no conflicting marks found."

Reason: Active USPTO trademarks for Cembra and related marks confirm brand ownership and reduce risk of impersonation.

Business Presence and Reputation

Score: 75

Passed

"Customer reviews show mixed satisfaction but do not indicate scams."

Reason: Physical branch listings and news coverage confirm legitimate operations.

Safety and Scam Blacklists

Score: 95

Passed

"Domain is clear from reported phishing or scam activity."

Reason: No listings on crypto scam or Google Safe Browsing blacklists found.

Customer Feedback and Complaints

Score: 65

Passed

"Complaints relate mostly to customer relations and usability, not trustworthiness."

Reason: While customer service and app issues are noted, these reflect service quality rather than fraudulent activity.

Legal and Regulatory Status

Score: 80

Passed

"The bank operates under Swiss financial regulations and discloses privacy policies."

Reason: Swiss supervisory ruling addressed data protection compliance but found no evidence of fraud or scam.

Your Next Steps

1

Verify you are on the official https://cembra.ch domain before entering sensitive data.
2

Be cautious about unsolicited calls or messages requesting confidential information, as Cembra warns against phishing attempts.
3

If using Cembra's app, monitor for notifications and be aware of some user complaints regarding usability.
4

Review contract terms carefully, including fees and payment policies, when engaging with Cembra's financial products.
5

Use the official contact emails (e.g., info@cembra.ch or antiphishing@cembra.ch) for inquiries or reporting suspicious activity.