Cashback for every purchase
Use your Clanq debit card and automatically fill your piggy bank – at no extra cost.
1 % per transaction
Every time you pay with your Clanq card, in store or online, Clanq pays you 1% of the amount into your safe immediately. At the end of the month, we transfer the total amount collected to your child’s piggy bank.
Extra cashback with our partners
With our cashback partners you enjoy even more cashback. From food to clothing to toys there are numerous sectors covered. The number of our partnerships is constantly increasing.
25% in the Clanq Shop
We have a wide range of products for families in our in-house online shop. Everyone can shop here, but if you pay with Clanq, you get 25% back in your child’s piggy bank on every item. Curious? Just take a look!
25%
CASHBACK
Our cashback partner
Farmy is the online market that really has everything: The range extends from fruit and vegetables to Swiss cheese, butcher-quality meat, crispy delicacies and sweet temptations, as well as flowers and wine.
More about Farmy
Avec offers a well-thought-out convenience concept for quick shopping in between meals. The wide network of shops with a large selection of practical products, snacks and drinks makes everyday family life easier.
More about Avec
An uncomplicated way to shop on the go: KKiosk offers confectionery and drinks, newspapers and magazines and other practical everyday items. The many locations and long opening hours make shopping even more convenient.
More about KKiosk
Looping makes everyday life easier for families. Customised tools help to combine family and career optimally and organise daily tasks efficiently. For more time for the important things in life.
More about Looping
iPet is the largest online shop for pet supplies run by Swiss vets. The range includes high-quality pet food and accessories for cats and dogs. Diet food from well-known premium brands is also included.
More about iPet
Farmy is the online market that really has everything: The range extends from fruit and vegetables to Swiss cheese, butcher-quality meat, crispy delicacies and sweet temptations, as well as flowers and wine.
More about Farmy
Avec offers a well-thought-out convenience concept for quick shopping in between meals. The wide network of shops with a large selection of practical products, snacks and drinks makes everyday family life easier.
More about Avec
An uncomplicated way to shop on the go: KKiosk offers confectionery and drinks, newspapers and magazines and other practical everyday items. The many locations and long opening hours make shopping even more convenient.
More about KKiosk
Looping makes everyday life easier for families. Customised tools help to combine family and career optimally and organise daily tasks efficiently. For more time for the important things in life.
More about Looping
iPet is the largest online shop for pet supplies run by Swiss vets. The range includes high-quality pet food and accessories for cats and dogs. Diet food from well-known premium brands is also included.
More about iPet
The online-apotheke.ch has a wide range of products in the areas of health, paediatric care and nutrition, nutritional supplements, body care, medical supplies and more. Convenient and secure shopping with free shipping from CHF 90.
More about online-apotheke.ch
The herbal pads from Löwenkind support the health of babies and children. They are inserted into scarves with a pressure head and release their aroma there. This is intensified by body heat and absorbed via the respiratory tract.
More about Löwenkind
Discover a large selection of hair, beauty and care products for children, babies, expectant parents – simply the whole family at haar-shop.ch. There are also nutritional supplements for inner balance. Order today, delivered tomorrow!
More about haar-shop.ch
The online-apotheke.ch has a wide range of products in the areas of health, paediatric care and nutrition, nutritional supplements, body care, medical supplies and more. Convenient and secure shopping with free shipping from CHF 90.
More about online-apotheke.ch
The herbal pads from Löwenkind support the health of babies and children. They are inserted into scarves with a pressure head and release their aroma there. This is intensified by body heat and absorbed via the respiratory tract.
More about Löwenkind
Discover a large selection of hair, beauty and care products for children, babies, expectant parents – simply the whole family at haar-shop.ch. There are also nutritional supplements for inner balance. Order today, delivered tomorrow!
More about haar-shop.ch
The pram subscription from loopi is the way out of the pile of baby products for (expectant) parents. It saves time, money and nerves and conserves resources. Subscribe to prams instead of buying them – for less waste and a better future!
More about loopi
Beds, cabinets, tables and more: Panda Kindermöbel is a Swiss company for high-quality, stylish and functional furniture and accessories for children's rooms of all ages, from babies to teenagers.
More about Panda
Table tops, work surfaces in the kitchen or the view from the window – children want to discover the world. The Tuki learning tower makes it easier for little ones to play and discover together at eye level with adults.
More about Tuki
The pram subscription from loopi is the way out of the pile of baby products for (expectant) parents. It saves time, money and nerves and conserves resources. Subscribe to prams instead of buying them – for less waste and a better future!
More about loopi
Beds, cabinets, tables and more: Panda Kindermöbel is a Swiss company for high-quality, stylish and functional furniture and accessories for children's rooms of all ages, from babies to teenagers.
More about Panda
Table tops, work surfaces in the kitchen or the view from the window – children want to discover the world. The Tuki learning tower makes it easier for little ones to play and discover together at eye level with adults.
More about Tuki
Large selection of tested and cleaned second-hand quality toys. The Swiss circular solution Circle Toys saves money, reduces waste and gives unused toys a second life. Join the circular economy!
More about Circle Toys
meinspielzeug is a magical world of fun and adventure with over 300 toy brands. Thanks to fast dispatch from their own warehouse, every shopping experience is child's play and makes eyes light up.
More about meinSpielzeug
Since 1954, Djeco-shop.ch has been conjuring up creative toys that are fun and educational. Quality and aesthetics are important, but feasibility is even more important. The aim is to inspire children, awaken their imagination and make them want more.
More about Djeco
Kidz.ch offers an extensive range of toys under the motto “Play Today! Play Every Day!”. Games, puzzles, plush toys, crafting, and more inspire families to spend precious moments together.
More about Kidz
The high-quality wooden toys made from Swiss wood allow your child to create their own fantasy worlds – from fairytale palaces to imposing fortresses. This encourages creativity, fine motor skills and spatial imagination.
More about Hüttenheld
Bruder encourages children's role play in professions such as police, fire brigade, rescue service, agriculture and road construction. At Bruder-shop you will find all Bruder toys, accessories and spare parts.
More about Bruder
With one of the largest puzzle ranges in Switzerland, you can find the right motif quickly and easily at Puzzle24. Sustainable: Return your puzzle within 6 months of purchase and receive 25 % of the purchase price as a voucher!
More about Puzzle24
Whether as an addition to your collection or in search of the perfect toy - at Spielzeugauto-shop.ch you will find your dream car in miniature, from classic cars to racing cars. Have fun discovering and collecting!
More about Spielzeugauto
Large selection of tested and cleaned second-hand quality toys. The Swiss circular solution Circle Toys saves money, reduces waste and gives unused toys a second life. Join the circular economy!
More about Circle Toys
meinspielzeug is a magical world of fun and adventure with over 300 toy brands. Thanks to fast dispatch from their own warehouse, every shopping experience is child's play and makes eyes light up.
More about meinSpielzeug
Since 1954, Djeco-shop.ch has been conjuring up creative toys that are fun and educational. Quality and aesthetics are important, but feasibility is even more important. The aim is to inspire children, awaken their imagination and make them want more.
More about Djeco
Kidz.ch offers an extensive range of toys under the motto “Play Today! Play Every Day!”. Games, puzzles, plush toys, crafting, and more inspire families to spend precious moments together.
More about Kidz
The high-quality wooden toys made from Swiss wood allow your child to create their own fantasy worlds – from fairytale palaces to imposing fortresses. This encourages creativity, fine motor skills and spatial imagination.
More about Hüttenheld
Bruder encourages children's role play in professions such as police, fire brigade, rescue service, agriculture and road construction. At Bruder-shop you will find all Bruder toys, accessories and spare parts.
More about Bruder
With one of the largest puzzle ranges in Switzerland, you can find the right motif quickly and easily at Puzzle24. Sustainable: Return your puzzle within 6 months of purchase and receive 25 % of the purchase price as a voucher!
More about Puzzle24
Whether as an addition to your collection or in search of the perfect toy - at Spielzeugauto-shop.ch you will find your dream car in miniature, from classic cars to racing cars. Have fun discovering and collecting!
More about Spielzeugauto
Press&Books offers the country's largest range of press and books with up to 20’000 books and more than 11’000 newspapers and magazines from over 30 countries. With well over 500 branches in Switzerland, P&B is practically always on the move.
More about P&B
With the personalised children's books from Librio, you decide who plays the main role. The books are produced as sustainably as possible in Switzerland and are available in various languages and dialects.
More about Librio
SPICK children's magazines are recommended by Stiftung Lesen: Learning should be fun, reading should be enjoyable. SPICK and MiniSPICK promote reading, make children smart, are fun and are ideal learning companions.
More about SPICK
The Swiss parenting magazine Fritz+Fränzi is a reliable companion in the jungle of parenting and family issues. High-quality content and practical expert knowledge help you with your daily challenges as a parent.
More about Fritz+Fränzi
Everything parents need to know: articles about parenting, development, partnership and everyday life with children. Plus creative craft ideas, cookery recipes and leisure tips. Modern, fresh and with a pinch of humour for discovering the exciting aspects of parenthood.
More about Wireltern
Grosseltern, the Swiss magazine that connects generations. Spending time with grandchildren is a special gift for many grandparents. The magazine has lots of tips on crafting, travelling and adventures and offers also various types of subscriptions.
More about Grosselternmagazin
Wohnrevue is a high-quality Swiss special interest magazine focusing on design, architecture and lifestyle. Discover trendy studios and design stores and immerse yourself in the world of interiors.
More about Wohnrevue
Press&Books offers the country's largest range of press and books with up to 20’000 books and more than 11’000 newspapers and magazines from over 30 countries. With well over 500 branches in Switzerland, P&B is practically always on the move.
More about P&B
With the personalised children's books from Librio, you decide who plays the main role. The books are produced as sustainably as possible in Switzerland and are available in various languages and dialects.
More about Librio
SPICK children's magazines are recommended by Stiftung Lesen: Learning should be fun, reading should be enjoyable. SPICK and MiniSPICK promote reading, make children smart, are fun and are ideal learning companions.
More about SPICK
The Swiss parenting magazine Fritz+Fränzi is a reliable companion in the jungle of parenting and family issues. High-quality content and practical expert knowledge help you with your daily challenges as a parent.
More about Fritz+Fränzi
Everything parents need to know: articles about parenting, development, partnership and everyday life with children. Plus creative craft ideas, cookery recipes and leisure tips. Modern, fresh and with a pinch of humour for discovering the exciting aspects of parenthood.
More about Wireltern
Grosseltern, the Swiss magazine that connects generations. Spending time with grandchildren is a special gift for many grandparents. The magazine has lots of tips on crafting, travelling and adventures and offers also various types of subscriptions.
More about Grosselternmagazin
Wohnrevue is a high-quality Swiss special interest magazine focusing on design, architecture and lifestyle. Discover trendy studios and design stores and immerse yourself in the world of interiors.
More about Wohnrevue
DRYKORN was founded in 1996 and has developed into an international fashion label in just a few seasons. A sustainable vision and high quality characterise the timeless garments that never go out of fashion.
More about DRYKORN
You can find high-quality children's clothing, shoes and accessories for children of all ages at Kidsdream in Stäfa and online. Also in the range: bed linen, toys, school rucksacks and furnishings for the children's room.
More about Kidsdream
DillySocks brings colour to your feet! The high-quality socks made from organic cotton score points with their fair production in Europe and plastic-free packaging, as well as their unbeatable designs.
More about DillySocks
DRYKORN was founded in 1996 and has developed into an international fashion label in just a few seasons. A sustainable vision and high quality characterise the timeless garments that never go out of fashion.
More about DRYKORN
You can find high-quality children's clothing, shoes and accessories for children of all ages at Kidsdream in Stäfa and online. Also in the range: bed linen, toys, school rucksacks and furnishings for the children's room.
More about Kidsdream
DillySocks brings colour to your feet! The high-quality socks made from organic cotton score points with their fair production in Europe and plastic-free packaging, as well as their unbeatable designs.
More about DillySocks
Stadtlandkind is the Swiss online shop for sustainable fashion, toys and home accessories. The range includes selected brands that pay attention to fair working conditions in their production facilities.
More about Stadtlandkind
Every Changemaker product has a good story. It is about designers with a passion for the meaningful, fairly paid workers and small manufacturers who take their responsibility towards the environment and nature seriously.
More about Changemaker
The couple Jan & Reana develop and sell stylish home accessories, gifts and imaginative souvenirs. You can also have a few items personalised in small quantities in the shop and studio in Baden.
More about NaniManu
Love Kids by Petite Année is a Swiss online shop for unique, personalised gifts for babies and children. Each product is selected with great care, personalised by hand in Switzerland and packaged with great attention to detail.
More about Love Kids
The Obrist Bernina Nähcenter offers the full programme: Sewing machines, various sewing courses in the modern course room and a huge selection of fabrics and mercerie items. The team will support you with sewing expertise.
Discover more
FleuropHOME is the home & lifestyle shop of Fleurop-Interflora, a marketplace with many small, regional suppliers. Take a look and discover original products for home & living, garden & balcony, bathroom & wellness.
More about FleuropHOME
Stadtlandkind is the Swiss online shop for sustainable fashion, toys and home accessories. The range includes selected brands that pay attention to fair working conditions in their production facilities.
More about Stadtlandkind
Every Changemaker product has a good story. It is about designers with a passion for the meaningful, fairly paid workers and small manufacturers who take their responsibility towards the environment and nature seriously.
More about Changemaker
The couple Jan & Reana develop and sell stylish home accessories, gifts and imaginative souvenirs. You can also have a few items personalised in small quantities in the shop and studio in Baden.
More about NaniManu
Love Kids by Petite Année is a Swiss online shop for unique, personalised gifts for babies and children. Each product is selected with great care, personalised by hand in Switzerland and packaged with great attention to detail.
More about Love Kids
The Obrist Bernina Nähcenter offers the full programme: Sewing machines, various sewing courses in the modern course room and a huge selection of fabrics and mercerie items. The team will support you with sewing expertise.
Discover more
FleuropHOME is the home & lifestyle shop of Fleurop-Interflora, a marketplace with many small, regional suppliers. Take a look and discover original products for home & living, garden & balcony, bathroom & wellness.
More about FleuropHOME
The Swiss creative platform for children aged 3 to 12. Craft ideas and instructions, DIY projects and complete craft kits inspire KILUDO families to be creative together. Perfect for discovering new things!
More about KILUDO
Take the cable car up the Kronberg: Here you can enjoy experiences in tune with nature, such as panoramic circular trails and hikes. But there is also plenty to discover in the valley: the legendary bobsleigh run, the zipline park and the fairytale world.
More about Kronberg
The Stoosbahnen lead to the Fronalpweg on the Stoos during summer. On a varied adventure trail, adventurous travellers can immerse themselves in the life of the Alpine herdsmen. From Fronalpstock via Alp Laui and finally to the beautiful Stoos-Seeli.
More about Stoosbahnen
The Swiss creative platform for children aged 3 to 12. Craft ideas and instructions, DIY projects and complete craft kits inspire KILUDO families to be creative together. Perfect for discovering new things!
More about KILUDO
Take the cable car up the Kronberg: Here you can enjoy experiences in tune with nature, such as panoramic circular trails and hikes. But there is also plenty to discover in the valley: the legendary bobsleigh run, the zipline park and the fairytale world.
More about Kronberg
The Stoosbahnen lead to the Fronalpweg on the Stoos during summer. On a varied adventure trail, adventurous travellers can immerse themselves in the life of the Alpine herdsmen. From Fronalpstock via Alp Laui and finally to the beautiful Stoos-Seeli.
More about Stoosbahnen
The bento boxes from Nikimo make snacks a real eye-catcher. Discover a large selection of snack boxes, snack bags and accessories such as cookie cutters, picks, mini forks, silicone moulds and more.
More about Nikimo
The functional suitcases from Pack Easy are the perfect travelling companion for your next adventure. Each product from the oldest Swiss luggage manufacturer contains a great deal of personal travelling experience, which is reflected in the design.
More about Pack Easy
The bags and accessories with their sophisticated details and carefully finished seams are designed in Switzerland and handmade in Italy from high-quality leather. 07 14 stands for style and durability.
More about 07 14
The bento boxes from Nikimo make snacks a real eye-catcher. Discover a large selection of snack boxes, snack bags and accessories such as cookie cutters, picks, mini forks, silicone moulds and more.
More about Nikimo
The functional suitcases from Pack Easy are the perfect travelling companion for your next adventure. Each product from the oldest Swiss luggage manufacturer contains a great deal of personal travelling experience, which is reflected in the design.
More about Pack Easy
The bags and accessories with their sophisticated details and carefully finished seams are designed in Switzerland and handmade in Italy from high-quality leather. 07 14 stands for style and durability.
More about 07 14
Simple, limitless and clever: a train journey from Lake Walen to the Sahara desert, from Zurich on a spectacular route south to Sicily or with a whole group to Sweden. All this and much more can be booked with SimpleTrain.
More about SimpleTrain
The Touring Club Switzerland (TCS) is one of the largest automobile clubs in Switzerland. The traditional non-profit organisation offers a wide range of services relating to mobility and tourism.
More about TCS
Get on and go: The electric scooters from SoFlow are designed for private use on the road. The Swiss micro mobility company sets the highest quality and service standards.
More about SoFlow
Simple, limitless and clever: a train journey from Lake Walen to the Sahara desert, from Zurich on a spectacular route south to Sicily or with a whole group to Sweden. All this and much more can be booked with SimpleTrain.
More about SimpleTrain
The Touring Club Switzerland (TCS) is one of the largest automobile clubs in Switzerland. The traditional non-profit organisation offers a wide range of services relating to mobility and tourism.
More about TCS
Get on and go: The electric scooters from SoFlow are designed for private use on the road. The Swiss micro mobility company sets the highest quality and service standards.
More about SoFlow
For almost 100 years, Swiss Youth Hostels have been the first port of call for budget-conscious and environmentally aware travellers. From romantic castles to urban design hotels and wellness youth hostels, they have it all.
Discover more
At the Hotel Saratz, you will experience family-friendly holidays in unique surroundings in the middle of the Engadine mountains. A place where nature has been lived for decades, and warm hospitality counts.
More about Saratz
The Hotel Schweizerhof is located in the heart of the Grisons mountains. Those seeking relaxation will find the largest hotel hamam in the entire Alpine region here. First-class dishes made from natural and regional ingredients are served in the restaurants.
More about Schweizerhof
The Märchenhotel Braunwald is situated in a sunny location at 1300 metres above sea level. The view sweeps over the imposing mountain backdrop of the Glarus Alps. The hotel offers lots of fun for children and fairytale relaxation for their parents.
More about Märchenhotel
The Caribbean? No, Switzerland! The Albergo Losone family hotel is located on the banks of the Maggia River, 2 kilometres from Ascona. With over 400 palm trees, it is the largest palm park in Switzerland, with plenty of space and nature for every guest.
More about Losone
The Valbella Resort holiday paradise is ideal for an idyllic family adventure. Nestled at around 1400 metres in the Grisons mountains, the sunny resort is both an oasis of peace and relaxation and a starting point for activities.
More about Valbella
The 6 Swiss Sunstar Hotels offer holidays for families, sports enthusiasts and those seeking peace and quiet. From summit bliss in the mountain regions to southern flair in Ticino, you can experience Switzerland in all its facets and seasons.
More about Sunstar
Holiday flats on Lake Brigels: Pradas Resort ensures unforgettable experiences. Enjoy inclusive services, bread roll and breakfast delivery service, swimming and sauna area and the Pradas Kids Club.
More about Pradas
On the Swiss shores of Lake Maggiore, Campofelice Camping Village has a 15-hectare park with a 400-metre-long private beach. The campsite is the ideal starting point for hiking and cycling tours in Ticino.
More about Campofelice
The Just Be is one of the most outstanding hotels in Sicily. Set in extensive grounds with olive, lemon and orange trees, it offers a spectacular view of the turquoise blue sea and the Aeolian Islands. Here you will find peace and relaxation.
More about Just Be
For almost 100 years, Swiss Youth Hostels have been the first port of call for budget-conscious and environmentally aware travellers. From romantic castles to urban design hotels and wellness youth hostels, they have it all.
Discover more
At the Hotel Saratz, you will experience family-friendly holidays in unique surroundings in the middle of the Engadine mountains. A place where nature has been lived for decades, and warm hospitality counts.
More about Saratz
The Hotel Schweizerhof is located in the heart of the Grisons mountains. Those seeking relaxation will find the largest hotel hamam in the entire Alpine region here. First-class dishes made from natural and regional ingredients are served in the restaurants.
More about Schweizerhof
The Märchenhotel Braunwald is situated in a sunny location at 1300 metres above sea level. The view sweeps over the imposing mountain backdrop of the Glarus Alps. The hotel offers lots of fun for children and fairytale relaxation for their parents.
More about Märchenhotel
The Caribbean? No, Switzerland! The Albergo Losone family hotel is located on the banks of the Maggia River, 2 kilometres from Ascona. With over 400 palm trees, it is the largest palm park in Switzerland, with plenty of space and nature for every guest.
More about Losone
The Valbella Resort holiday paradise is ideal for an idyllic family adventure. Nestled at around 1400 metres in the Grisons mountains, the sunny resort is both an oasis of peace and relaxation and a starting point for activities.
More about Valbella
The 6 Swiss Sunstar Hotels offer holidays for families, sports enthusiasts and those seeking peace and quiet. From summit bliss in the mountain regions to southern flair in Ticino, you can experience Switzerland in all its facets and seasons.
More about Sunstar
Holiday flats on Lake Brigels: Pradas Resort ensures unforgettable experiences. Enjoy inclusive services, bread roll and breakfast delivery service, swimming and sauna area and the Pradas Kids Club.
More about Pradas
On the Swiss shores of Lake Maggiore, Campofelice Camping Village has a 15-hectare park with a 400-metre-long private beach. The campsite is the ideal starting point for hiking and cycling tours in Ticino.
More about Campofelice
The Just Be is one of the most outstanding hotels in Sicily. Set in extensive grounds with olive, lemon and orange trees, it offers a spectacular view of the turquoise blue sea and the Aeolian Islands. Here you will find peace and relaxation.
More about Just Be
Fleurop, Switzerland's best-known florist, delivers bouquets, flower arrangements, flower bags and delicious gift items on the same day. Find something for any occasion and any budget at fleurop.ch.
More about Fleurop
smartphoto is one of the largest digital online photo service providers in Europe. The range consists of over 900 personalised photo products that can be designed directly online, without downloading any software.
More about smartphoto
The Obrist Bernina sewing centre offers the full programme: Sewing machines, various sewing courses in the modern course room and a huge selection of fabrics and mercerie items. The team will support you with sewing expertise.
More about Obrist
Taverna Tabula Rasa in Zurich cooks fresh food every day. The ingredients come from the Helvetiaplatz market or directly from Italy. The family kneads and shapes the pasta with their own hands and with a lot of love.
More about Tabula Rasa
Fleurop, Switzerland's best-known florist, delivers bouquets, flower arrangements, flower bags and delicious gift items on the same day. Find something for any occasion and any budget at fleurop.ch.
More about Fleurop
smartphoto is one of the largest digital online photo service providers in Europe. The range consists of over 900 personalised photo products that can be designed directly online, without downloading any software.
More about smartphoto
The Obrist Bernina sewing centre offers the full programme: Sewing machines, various sewing courses in the modern course room and a huge selection of fabrics and mercerie items. The team will support you with sewing expertise.
More about Obrist
Taverna Tabula Rasa in Zurich cooks fresh food every day. The ingredients come from the Helvetiaplatz market or directly from Italy. The family kneads and shapes the pasta with their own hands and with a lot of love.
More about Tabula Rasa
Many small amounts
Many small amounts
The many small amounts collected with cashback are added to your digital safe. In the overview you can see at any time how much you have already collected. You will not believe how many small amounts turn into considerable sums when you use Clanq regularly.
In Swiss francs
In Swiss francs
No points, stamps or vouchers but money. Once a month we transfer every franc and every penny from your safe to your piggy bank, with which you can save for your son or daughter.
FAQs
The most important questions and answers on cashback
It is a bonus system that «rewards» customers for their purchases. You get part of the money you spend back every time you pay for something.
The standard cashback is 1 % on all transactions. You can get extra cashback from our partners. They themselves define the percentage for their transactions. The approximate average is 8 %.
No, this happens automatically as soon as you pay with your Clanq debit card. However, there are certain offers from our cashback partners that you must first activate in the app to receive the extra cashback.
Your cashback is collected in your safe and automatically transferred each month to your piggy bank, with which you can save for your son or daughter. If you have more than one child, your cashback will be divided equally between their piggy banks.
In your safe you can see how much cashback you have already collected and when the next transfer into your piggy bank is expected. Usually, this takes place at the beginning of the month.
In your account statements you can see how much cashback you have already received.
All banking services in the Clanq Switzerland app are provided by our partner bank, Cornèr Bank SA, which has branches in Chiasso, Lugano, Geneva and Zurich and offers a full range of banking services.