Since our successful launch in Switzerland in July 2024, we have been continuously refining the Clanq app. From the very beginning, our aim has been to provide families with a smart combination of everyday financial tools that make daily life easier. We now have a number of useful features that help us achieve this. How exactly? We’d like to explain that to you in this blog post.

No money to save? You’re not alone…

In fact, 60% of parents in Switzerland struggle to provide financially for their children. There aren’t large sums available to save, so the plan is simply put off until later. Yet even small amounts can add up to considerable sums over the years – if you just start saving early!

And this is exactly where Clanq comes in: our app makes saving child’s play for parents, even before the child is born.

How does Clanq work?

Clanq is a Swiss family banking app that combines cashback savings with modern financial education. With every purchase made using the Clanq debit card, you get money back – between 1% and 25%, depending on the shop.  The money goes straight into your child’s digital piggy bank. You can create multiple piggy banks and manage your financial goals clearly.

How can I make saving a breeze?

Many parents know the drill: you plan to put something aside each month, but everyday life gets in the way. With Clanq, it’s different because saving isn’t an extra effort – it happens automatically as you pay for everyday things.

Thanks to the cashback system, a small percentage is automatically transferred back to your child’s digital piggy bank whenever you shop. Whether it’s the weekly shop or new children’s shoes – the balance grows steadily without you having to manually reallocate your budget. It’s a simple way to save for the future, showing that even many small amounts can build a solid foundation over time.

Where does the name «Clanq» actually come from?

The name says it all: Clanq is derived from «clan». We firmly believe that it takes a whole village to raise a child. That’s why our app is designed to make saving within the family clan easier than ever.

Not just parents, but also grandparents, godparents and other relatives can become part of the clan. To help the children’s digital piggy banks fill up even faster, there’s the «card with heart»: this is a credit card specifically for clan members. With every everyday payment, they automatically collect cashback for the children’s future. This turns saving into a shared family project.

Find out more about saving within the family clan.

Does Clanq also offer solutions for children?

Yes, with our «Kids Banking Lite» approach, we introduce children to the world of finance in a playful way. At the heart of this is our mascot Clarry, who accompanies the little ones on their journey of discovery in our e-books.

In the app, children can watch their savings grow in their own savings barrels – whether through gifts from godparents or by doing small tasks around the house. This focus on visualisation and rewards helps children develop an initial sense of the value of money and achieving goals. It is a secure, purely digital learning environment that lays the foundation for financial literacy even before the first bank card is used.

Find out more about Clanq Kids Banking Lite.

How much does a Clanq account cost?

From 1 April 2026, there will be two different packages to choose from.

Clanq Basic: The basic package is free of charge. It includes 1 main account with a debit card and up to 5 savings accounts or «digital piggy banks» for the children. You can collect cashback at over 70 partner shops. Ideal for trying it out with no obligation!

Clanq Premium: For CHF 5 per month, you get a few extras on top. The main advantage of Clanq Premium is the universal 1% cashback on every purchase. New clothes, the weekly shop, family holidays, streaming subscriptions – it all adds up!

You can find further information at clanq.ch/en/costs

How much cashback do I actually get?

You get the most cashback in the Clanq Shop: 25% on EVERYTHING. Visit the Clanq Shop.

Clanq’s cashback partners decide for themselves how much cashback they want to offer and can change this at any time. Rates range from 1% to 25%. On average, it’s 8%. You can find an overview of all partners here.

For Premium customers: standard 1% cashback on every purchase. Don’t forget to always pay with your Clanq card!

By the way: to collect cashback, you don’t need to sign up or register anywhere, click on any special links or convert points back into cash in any way. Your cashback is automatically credited to your child’s digital piggy bank – in nothing other than Swiss francs.

Are you planning to have a child or are you pregnant? Then you can start collecting cashback right now by opening a safe for the future.

And soon you’ll be able to automatically invest your cashback and savings. More on this in the next blog post.

How safe is my money with Clanq?

Your money is 100% safe in your Clanq account. We work with the established Swiss Cornèr Bank, which holds all necessary licences and is strictly regulated. As a partner of Cornèr Bank, Clanq AG is a member of the Esisuisse deposit protection scheme. This means that deposited funds are protected up to 100‘000 CHF.

All our partners and their entire infrastructure are based in Switzerland or Europe. This means you benefit from the highest security standards at Clanq.

Clanq at a glance: The essentials for families

In summary, Clanq lays the financial foundation for your children without complicating your daily life. Here is an overview of the key points:

  • A smart market launch: Clanq has been operating in Switzerland as a specialist family banking app since July 2024.
  • Automatic saving: Thanks to the cashback system, your children’s digital piggy bank grows all by itself with every purchase.
  • Extra cashback: Depending on the partner, you’ll get between 1% and 25% of the purchase amount back.
  • Saving within the family clan: The name Clanq (from «clan») brings the whole family together. Thanks to the «card with a heart», grandparents and godparents can also automatically collect cashback for the children.
  • Fun financial education: With mascot Clarry and digital savings barrels, children learn the value of money – a safe introduction with «Clanq Kids Banking Lite».
  • Suitable packages: You can choose between the free Clanq Basic and the enhanced Clanq Premium for CHF 5 per month (including 1% universal cashback).
  • Guaranteed security: Your funds are protected up to 100‘000 CHF through our partnership with Cornèr Bank and the Swiss Deposit Guarantee Scheme (Esisuisse).