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Domain Due Diligence
Report for Cembra.ch

Report Date January 10, 2026
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
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

Contradictory Signals

The bank is legitimate but user experience varies, which could affect trust

Signal A: Strong technical and legal legitimacy

Signal B: Customer complaints of poor service and app issues

Category Scores

Identity 90/100
Reputation 75/100
Technical 90/100
Content 85/100
Legal 80/100
Business Validity 90/100

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 & Analysis

Domain Technical Health

Score: 90/100
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: 85/100
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: 75/100
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: 95/100
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: 65/100
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: 80/100
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.

Evidence & Citations

🕵🏻 Keep investigating

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