Clanq is a Swiss family finance app, powered by Cornèr Bank. Parents automatically earn cashback on their everyday purchases, which flows directly into digital piggy banks for their children. The app is FINMA-regulated, deposits are protected up to 100’000 CHF, and it also offers Kids Banking and investment features.

Officially? No. The app is open to everyone. But without children, Clanq is a bit like a large playground without children’s laughter: you can spend time there, but the real purpose is missing. Our features, such as the digital piggy bank and kids’ banking, are fully geared towards securing children’s futures.

For those who want to become parents: with the «safe for the future», you can already start collecting cashback before your baby is born. This gives you a head start in family life.

And if you’re not planning on having children of your own (yet), Clanq is perfect for supporting godchildren, grandchildren, nephews, or other children who are close to your heart.

You can find more information here: clanq.ch/en/family

Clanq combines a digital piggy bank with automatic cashback in everyday life. Instead of just earning a fixed rate of interest, every time you make a purchase with the Clanq debit card, you collect money that goes straight into the safe. From there, the savings are automatically transferred to your child’s account – so the seed money for the future builds up almost without them realising it.

Simply pay for your everyday purchases using your Clanq card (Visa debit card). At all participating stores and online shops, you automatically receive percentage-based cashback credited to your account. This balance is first collected in your «safe» and then flows directly into the digital «piggy bank» with its own IBAN.

Yes, Clanq is built as a family ecosystem. You can invite relatives and godparents directly to your family clan via email from the app. As soon as the invited family member gets their Clanq card, a welcome bonus of 100 CHF goes directly into the child’s digital piggy bank. This allows parents, grandparents, and godparents to collect cashback together and step-by-step build start-up capital for the child’s future.

Yes! You can invest in your children’s future easily and automatically. Choose between two risk categories in the Premium plan and activate your investment portfolio with an initial deposit of 500 CHF.

All details on clanq.ch/en/invest

Clanq combines hands-on learning with valuable everyday knowledge for the whole family. Through our Kids Banking service, your child – once they’re old enough – will have their own access and tools to learn, step by step, how to manage money responsibly – safely and with your guidance. We also offer parents a constantly growing collection of guides and practical tips on financial education, so you can pass on financial knowledge naturally and playfully as part of everyday family life.

Download the Clanq app from the App Store or Google Play onto your mobile phone and follow the steps to open an account.

All you need is a stable internet connection and some form of ID for identification purposes.

As this is a full-service bank account, we are required by law to ask you for some information. The entire onboarding process takes about 10 minutes – then you can start using Clanq right away!

We offer two different plans:

Clanq Basic (free): The ideal way to get started. You get your account and your Visa debit card with no monthly fee and benefit from automatic cashback at over 80 partners.

Clanq Premium for CHF 5 per month: The upgrade with 1% cashback on every purchase made with your Clanq card – no matter where you pay.

Good to know: The digital piggy banks for children are free with both plans.

You can find more information here: clanq.ch/en/costs

Absolutely. Clanq is a Swiss finance app partnering with Cornèr Bank as a FINMA-regulated partner bank. Your deposits are held directly with an established Swiss bank and are protected by the statutory deposit guarantee scheme (esisuisse), securing amounts up to 100’000 CHF per customer.

Yes, fully. The piggy bank is a fully fledged digital child account with its own IBAN, managed through our Swiss partner bank, Cornèr Bank. All savings in your child’s account are protected by the statutory deposit guarantee scheme up to 100’000 CHF. The «safe» in the app simply serves as an intermediary point to bundle your everyday cashback before it is automatically transferred to your child’s protected savings account.