The Clanq credit card is designed specifically for grandparents, godparents, aunts, uncles and family friends who want to help your child save. Whilst parents usually manage the main Clanq account, the credit card offers everyone else the perfect way to help with saving and earning cashback, hassle-free.

Anyone who applies by 31 January 2027 can use the card completely free of charge for the first year (0 CHF annual fee). From the second year onwards, the standard card fee is 100 CHF per year. In return, cardholders receive a permanent 1% cashback on all purchases made for the child, attractive extra cashback and four comprehensive insurance benefits.

Here you’ll find all the information about the costs and terms and conditions of the credit card for Clan members.

The 100 CHF is paid directly into the child’s digital piggy bank as soon as the Clan member activates the card and has used it a total of 10 times to pay for purchases. It doesn’t matter what those purchases are.

Earning cashback works in exactly the same way for clan members as it does for holders of the Clanq main account. As soon as the invitation to join the family clan has been accepted and the personal Clanq credit card has been successfully issued, the piggy bank is linked.

From that moment on, 1% of the amount spent on the card is credited as cashback. This money flows into the child’s piggy bank at no extra cost and with no further effort.

The digital piggy bank has a fully valid Swiss IBAN. All cashback collected, as well as the CHF 100 bonus, is automatically transferred to this IBAN.

The IBAN is issued by our FINMA-regulated Swiss partner bank, Cornèr Bank. This means that all deposits are also protected by the Swiss deposit guarantee scheme (esisuisse) up to CHF 100’000 per customer.

In their app, clan members have access only to an overview of their own transfers and cashback contributions. This means they can see exactly how much they have already contributed towards the child’s savings.

However, they have no account access rights and cannot access the money. Furthermore, they cannot view the child’s total account balance or the contributions made by other clan members. Full control and access to the vault and the main account lie solely with the person who holds the Clanq main account.

Via the Clanq app, from you as the account holder. You add your family member to your family clan via «Features» -> «My family clan». The person will then receive an invitation by e-mail.

Once the person has accepted the invitation, they can complete the application for the Clanq credit card directly online. The application is then reviewed by our partner, Cornèrcard. Once approved and issued, the «card with heart» is sent by post and is ready for use straight away.

Yes, your family member needs the Clanq app. After clicking on your invitation link, they will be guided through the process to download the app.

However, the app is greatly simplified for Clan members and is primarily used to complete the credit card application securely and digitally. Once the card has been successfully issued, the family member can view their accumulated cashback in the app.

No. Your family member applies for the credit card.

The credit card for Clan members is automatically linked to the piggy banks you have selected for collecting cashback. This is not tied to opening an account.

The «card with heart» is a unique, personalised card. As the user with the main account, you decide which image appears on the credit card during the invitation process in the app.

Simply choose a lovely photo – for example, a picture of your child, a family photo or a snapshot of you all together. This image is then printed on the front of the card. This way, your clan member carries a lovely memory with them in their wallet every time they make a payment in their daily life.