{"id":2350,"date":"2026-03-14T14:00:26","date_gmt":"2026-03-14T13:00:26","guid":{"rendered":"https:\/\/clanq.ch\/?p=2350"},"modified":"2026-03-19T12:13:50","modified_gmt":"2026-03-19T11:13:50","slug":"what-you-need-to-know-about-the-clanq-app","status":"publish","type":"post","link":"https:\/\/clanq.ch\/en\/what-you-need-to-know-about-the-clanq-app\/","title":{"rendered":"Clanq, the finance app for families"},"content":{"rendered":"

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\u2019d like to explain that to you in this blog post.<\/span><\/p>\n

No money to save? You\u2019re not alone\u2026<\/span><\/h2>\n

In fact, 60% of parents in Switzerland struggle to provide financially for their children. There aren\u2019t 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 \u2013 if you just start saving early!<\/span><\/p>\n

And this is exactly where Clanq comes in: our app makes saving child\u2019s play for parents, even before the child is born.<\/span><\/p>\n

How does Clanq work?<\/span><\/h2>\n

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 \u2013 between 1% and 25%, depending on the shop.\u00a0 The money goes straight into your child\u2019s digital piggy bank. You can create multiple piggy banks and manage your financial goals clearly.<\/span><\/p>\n

How can I make saving a breeze?<\/span><\/h2>\n

Many parents know the drill: you plan to put something aside each month, but everyday life gets in the way. With Clanq, it\u2019s different because saving isn\u2019t an extra effort \u2013 it happens automatically as you pay for everyday things.<\/span><\/p>\n

Thanks to the <\/span>cashback system<\/b>, a small percentage is automatically transferred back to your child\u2019s digital piggy bank whenever you shop. Whether it\u2019s the weekly shop or new children\u2019s shoes \u2013 the balance grows steadily without you having to manually reallocate your budget. It\u2019s a simple way to save for the future, showing that even many small amounts can build a solid foundation over time.<\/span><\/p>\n

Where does the name \u00abClanq\u00bb actually come from?<\/span><\/h2>\n

The name says it all: Clanq is derived from \u00abclan\u00bb. We firmly believe that it takes a whole village to raise a child. That\u2019s why our app is designed to make saving within the family clan easier than ever.<\/span><\/p>\n

Not just parents, but also grandparents, godparents and other relatives can become part of the clan. To help the children\u2019s digital piggy banks fill up even faster, there\u2019s the \u00abcard with heart\u00bb: this is a credit card specifically for clan members. With every everyday payment, they automatically collect cashback for the children\u2019s future. This turns saving into a shared family project.<\/span><\/p>\n

Find out more about saving within the family clan.<\/span><\/a><\/p>\n

Does Clanq also offer solutions for children?<\/span><\/h2>\n

Yes, with our \u00abKids Banking Lite\u00bb approach, we introduce children to the world of finance in a playful way. At the heart of this is our <\/span>mascot Clarry<\/b>, who accompanies the little ones on their journey of discovery in our e-books.<\/span><\/p>\n

In the app, children can watch their savings grow in their own savings barrels \u2013 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.<\/span><\/p>\n

Find out more about Clanq Kids Banking Lite.<\/span><\/a><\/p>\n

How much does a Clanq account cost?<\/span><\/h2>\n

From 1 April 2026, there will be two different packages to choose from.<\/span><\/p>\n

Clanq Basic:<\/b> The basic package is <\/span>free of charge<\/b>. It includes 1 main account with a debit card and up to 5 savings accounts or \u00abdigital piggy banks\u00bb for the children. You can collect cashback at over 70 partner shops. Ideal for trying it out with no obligation!<\/span><\/p>\n

Clanq Premium:<\/b> For <\/span>CHF 5 <\/b>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 \u2013 it all adds up!<\/span><\/p>\n

You can find further information at <\/span>clanq.ch\/en\/costs<\/span><\/a><\/p>\n

How much cashback do I actually get?<\/span><\/h2>\n

You get the most cashback in the <\/span>Clanq Shop<\/b>: 25% on EVERYTHING. <\/span>Visit the Clanq Shop.<\/span><\/a><\/p>\n

Clanq\u2019s <\/span>cashback partners<\/b> 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\u2019s 8%. You can find an <\/span>overview of all partners here<\/span><\/a>.<\/span><\/p>\n

For Premium customers:<\/b> standard 1% cashback on every purchase. Don\u2019t forget to always pay with your Clanq card!<\/span><\/p>\n

By the way: to collect cashback, you don\u2019t 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\u2019s digital piggy bank \u2013 in nothing other than Swiss francs.<\/span><\/p>\n

Are you planning to have a child or are you pregnant? Then you can start collecting cashback right now by opening a <\/span>safe for the future<\/span><\/a>.<\/span><\/p>\n

And soon you\u2019ll be able to automatically invest your cashback and savings. More on this in the next blog post.<\/span><\/p>\n

How safe is my money with Clanq?<\/span><\/h2>\n

Your money is 100% safe in your Clanq account. We work with the established Swiss <\/span>Corn\u00e8r Bank<\/span><\/a>, which holds all necessary licences and is strictly regulated. As a partner of Corn\u00e8r Bank, Clanq AG is a member of the Esisuisse deposit protection scheme. This means that deposited funds are protected up to 100\u2018000\u00a0CHF.<\/span><\/p>\n

All our partners and their entire infrastructure are based in Switzerland or Europe. This means you benefit from the highest security standards at Clanq.<\/span><\/p>\n

Clanq at a glance: The essentials for families<\/span><\/h2>\n

In summary, Clanq lays the financial foundation for your children without complicating your daily life. Here is an overview of the key points:<\/span><\/p>\n

    \n
  • A smart market launch: <\/b>Clanq has been operating in Switzerland as a specialist family banking app since July 2024.<\/span><\/li>\n
  • Automatic saving:<\/b> Thanks to the cashback system, your children\u2019s digital piggy bank grows all by itself with every purchase.<\/span><\/li>\n
  • Extra cashback:<\/b> Depending on the partner, you\u2019ll get between 1% and 25% of the purchase amount back.<\/span><\/li>\n
  • Saving within the family clan:<\/b> The name Clanq (from \u00abclan\u00bb) brings the whole family together. Thanks to the \u00abcard with a heart\u00bb, grandparents and godparents can also automatically collect cashback for the children.<\/span><\/li>\n
  • Fun financial education: <\/b>With mascot Clarry and digital savings barrels, children learn the value of money \u2013 a safe introduction with \u00abClanq Kids Banking Lite\u00bb.<\/span><\/li>\n
  • Suitable packages:<\/b> You can choose between the free Clanq Basic and the enhanced Clanq Premium for CHF 5 per month (including 1% universal cashback).<\/span><\/li>\n
  • Guaranteed security: <\/b>Your funds are protected up to 100\u2018000\u00a0CHF through our partnership with Corn\u00e8r Bank and the Swiss Deposit Guarantee Scheme (Esisuisse).<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    Update 2026<\/p>\n","protected":false},"author":5,"featured_media":6142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"yoast_head":"\nClanq, the finance app for families | Blog<\/title>\n<meta name=\"description\" content=\"Clanq Update 2026: The smart Swiss family banking app for automatic saving and investing in everyday life.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/clanq.ch\/en\/what-you-need-to-know-about-the-clanq-app\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Clanq, the finance app for families | Blog\" \/>\n<meta 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