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In this detailed test report, you will learn everything you need to know about the Successor to the Cembra Cumulus credit card: the Certo credit card.
Info in advance: Certo One is currently the best Swiss credit card in the test!
You can expect detailed information about the Advantages, the cashback function, insurance offers and over all Disadvantages and Costsassociated with the Certo credit card.
Find out in the following Certo Mastercard experiences how you can get the free cashback credit card including CHF 30 starting credit and how best to use them. Let's go!
The Certo! One Mastercard is a real credit card, issued from Cembra Money Bank. Unlike prepaid or debit cards, which require you to deposit money first, the Certo One Mastercard one allows you to buy on credit in the traditional way and pay the bill later.
Info: Debit and prepaid cards are very common. But not all merchants accept them. For example, if you rent a car, usually only a "real" credit card is accepted.
Perhaps you already know the formerly very popular Migros Cumulus Cardwhich was known for generous cashback in the form of points. With the expiry of the partnerships with various merchants and thus also this card, Cembra has launched new offers, including the Certo! One Mastercard, to the market.
The new credit card for collecting cashback has many advantagesthat are hard to beat:
The credit card also has its downsides. However, these disadvantages only occur in specific scenarios that you can easily circumvent. When using abroad become 1.5 % Foreign currency fees due and also Cash withdrawals are subject to a charge.
In addition, she is currently still Not compatible with Google Pay. Also the Instalment interest lies at quite high 12,95 %. Therefore, you should use them mainly as a means of payment, less as a financing option.
So use the following tips to get the most out of your Certo One credit card:
Your key to success! Discover our top recommendations from real testimonials.
Besides advantages and disadvantages, each credit card has certain core features. Here are the main features the Certo! One Mastercard:
| Type | Mastercard |
| Settlement | Monthly in paper form (subject to a charge) or as an e-bill (free of charge) |
| Additional card | Free of charge for persons in the same household |
| Instalment facility | Available (12.95 % APR) |
| Security | PIN, 2-factor authentication and Mastercard Identity Check |
| Region | Usable worldwide |
With the Certo! One Mastercard you get real cashback, not just points. With your three favourite merchants you can Collect 1 % Cashback on your purchases. You can customise this selection monthly in the app to suit your current shopping preferences.
However, some transactions are excluded from cashback savings, such as insurance premiums, cash transactions, fees and interest, and certain specific transactions such as gambling or cryptocurrencies.
Your savings are credited directly to your credit card bill every quarter. Additionally there is 0,33 % Cashback at all other participating retailers.
Here is a list of all participating traders:
The Certo! One Mastercard is Compatible with numerous mobile payment providersincluding Apple Pay, Samsung Pay, Garmin Pay, Fitbit Pay, Swatch Pay and Fidesmo Pay. Unfortunately, you cannot currently use Google Pay with the card.
Mobile payments have many advantages. For example, you can pay securely and conveniently with your smartphone or wearable without having to carry the physical card. This minimises the risk of card loss or theft.
As a new Certo! One Mastercard you get a Starting credit in the amount of CHF 30. This bonus gift represents a welcome saving. To get the starting credit, you need to order your Certo! One credit card via the following link.
Technical security is provided by the familiar mechanisms: a Chip on the card and a personal PIN code. When using it, you can identify yourself by entering your PIN to authorise transactions. Added to this is the Mastercard Identity Checkwhich is composed on the basis of these points:
In the meantime, these procedures have become standard and are a must for anyone who wants to be secure in the digital world. Combine 2-factor authentication with smsTAN or the fingerprint to have the highest level of security.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
The credit card fees are really fair. Cembra has based its Certo Mastercard fees on the concept of the formerly successful Cumulus Mastercard and adopted the fees almost 1 to 1.
Here is a table with the main payers of the Certo One Mastercard credit card:
| Category | Amount |
|---|---|
| Annual fee | CHF 0.- |
| Annual fee additional card | CHF 0.- |
| Foreign currency fee abroad | 1,5 % |
| Annual interest for partial payment | 12,95 % |
| Cash withdrawal in CHF | 3.75%, min. CHF 10.- |
| Monthly statement in paper form | CHF 2.50 |
| Monthly statement in the app | CHF 0.- |
In addition to the general fees, Cembra provides, as usual, a good overview of all costs in its fee table.
The fact that credit card issuers tie insurance companies to their cards in order to attract new customers through exclusive services is normally only known to credit cards with high annual fees.
The Certo Mastercard comes with insurances that are included: A Travel insurance and Shopping insurancewhich consists of two components. The insurances are valid worldwide, are free of charge and apply only to persons domiciled in Switzerland or Liechtenstein.
The shopping insurance consists of the Best Price Guarantee and the Purchase insurance. With the Best Price Guarantee, Certo! One will refund the difference if the purchased item is offered at a lower price elsewhere (within 14 days of the purchase date). Purchase insurance provides 30 days of protection after the date of purchase and covers theft, damage or destruction.
Here are the most important details about shopping insurance:
| Best Price Guarantee | CHF 3'000 - Per year; CHF 2'000 - Per event; 14 days from date of purchase |
| Purchase insurance | CHF 2,000 - Per year; CHF 2,000 - Per event; 30-day post-purchase protection from date of purchase. |
| Costs | none |
| Scope | worldwide |
The travel insurance has a Coverage of CHF 100,000 per person and event. It includes SOS Assistance with benefits such as transfer to the nearest suitable hospital or medically supervised emergency transport. The travel insurance has other benefits, which you can find in the Cembra information sheet.
Here are the most important details about travel insurance:
| Cover | CHF 100,000 per person and event |
| SOS Assistance | Transfer to the nearest hospital suitable for treatment, Medically supervised emergency transport/repatriation, Search and rescue costs, Repatriation in the event of death, Additional costs of an unscheduled return journey |
| Costs | none |
| Scope | worldwide |
The expiring partnership with Migros has produced the Certo! One Mastercard. It is the replacement for the Cumulus Mastercard or Visa from Cembra, which has now been discontinued and is no longer valid since July 2022. Migros has launched a new Migros credit card as a competing product, the Migros Cumulus Mastercard.
However, the Migros credit card has a less attractive cashback function and, for example, no best price guarantee.
Here is a direct comparison of the two credit cards:
| Certo! One Mastercard | Cumulus Visa | |
|---|---|---|
| Cashback | 1% and 0.33% as real money | 1 Cumulus point per CHF 1 at Migros; 1 Cumulus point per CHF 3 outside Migros |
| Insurances | Travel, best price and shopping insurance | Travel interruption insurance and various other |
| Annual fee | CHF 0 | CHF 0 |
| Additional card fee | CHF 0 | CHF 0 |
| mobile payment | Yes | Yes |
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Probably the best credit card for scoring, saving and everyday use was the Cembra Cumulus Credit Card. In the meantime, Cembra has found a worthy and better Successor launched.
The big difference is the real cashback. You get your collected cashback every 3 months. So now it's real money that you can use to invest or spend in your free time, for example.
Use Certo One for domestic payments and purchases in Swiss francs. This is where the biggest advantages come into play.
Cash withdrawals, payments abroad or instalment payments become expensive, here you can rely on one of the following cards fall back on.
Have you already tried the Cetro Mastercard? How do you like it? Feel free to write in the comments!
12 responses
If Cembra can't even write correctly in this URL, how can you trust this card? (see: "Starting balance")
😀 It's always good to be critical of new offers.
Thanks for pointing out the typo
Good report, the new credit card from Migros with Migros Bank is a Visa not an MC as in the report.
Furthermore, the best price guarantee is not as lucrative as it seems at first glance. The difference must be considerable to be able to apply at all, a few francs are not!
Cumulus Mastercard Foreign Currency Fee 0%
Although I loved the former Cembra/Migros card, I switched to Certo and am "almost" 100% satisfied. Still have to re-register the card when the app is updated, over and over again. This is so annoying and you always have to have your registration data to hand. These are only valid for 1/2 year. After that, you have to request it again and it will be sent to you by post, which also takes a few days. This should be fixed as soon as possible. No app is as unstable as this one. Everything else is great in my eyes.
Thanks for sharing your experience, Angie!
- Why no Google Pay ? very strange....
- Cumulus Visa abroad and Certo! & Cumulus in Migros (double Cumulus after 1 year 😉)
- .... otherwise all clear !
Another disadvantage of the (or all) Cembra cards: they do not offer payment of invoices via eBill. So you always have to do it manually and always remember to do it. If you forget to do it, it costs you interest and reminder fees. With the new Cumulus credit card (from Migros Bank), the bill comes in directly via eBill, and you could even set up a permanent release so that everything is paid automatically.
Thanks for your addition, Daniel!
Unfortunately, my experience with Cembra is not the same as with the tester.
On 10 July 2023, I reserved day tickets from home at the municipality and paid for them with the Certo card and confirmed them with the app.
By chance, 4 withdrawals from Brazil were debited from my account on that day, my card was blocked and I received a new card.
Which is basically correct. The check by Cembra showed that I had authorised the payments from Brazil and that it was my mistake.
If this were the case, why was my card blocked by Cembra without further inquiry?
Okey, I drew my consequences from this and dissolved my relations with Cembra.
Important: always pay your Cembra invoice on time, otherwise you will be charged a CHF 30 reminder fee.
Thanks for the report
Combination Cashback Card from Amex and described Cembra Certo One is the best solution.
When is your monthly billing date?