The Cornèr Bank AG, with its headquarters located in Lugano, was founded on 3 July 1952 by Vittorio Cornaro. To this day, the founding family still owns the majority of this traditional Swiss bank. Paolo Cornaro, son of the founder, chairs the Board of Directors, while Vittorio Cornaro - grandson of the founder - represents the third generation of management as CEO.
Cornèr Bank has developed continuously since it was founded. It was the first bank in Switzerland to introduce the Visa credit card in 1975, followed later by Mastercard (1998) and Diners Club (2014). In 2011, the company took over BonusCard.ch, and in 2012 it founded its own online trading platform, CornèrTrader. In 2015, Cornèr became the first bank in Ticino to join the Swiss Structured Products Association (SSPA).
Today, the Cornèr Bank has four branches (Lugano, Chiasso, Locarno and Zurich) and is, with over 1,200 employees and total assets of around CHF 8.5 billion (as at mid-2023), one of the most established and well-funded private banks in Switzerland. In addition to the traditional banking business, it focuses in particular on credit card solutions (Cornèrcard), consumer loans (ècash), online banking and asset management.
The Cornerback ècash personal loan offer
- ècash personal loan (traditional cash loan)
Detailed information about the online personal loan: ècash (Cornèr Bank)
| Effective annual interest rates: | 6,90% - 9,90% |
| Effective annual interest rates for homeowners: | 5,90%- 9,90% |
| Amount of loan | 5.000 CHF - 80.000 CHF |
| Term | 12 - 84 Months |
| Fees: | none |
Representative example
| Amount of loan | 50.000 CHF |
| Term | 48 months |
| Monthly costs | 1.195 CHF - 1.266 CHF |
| Total costs: | 57.360 CHF - 60.755 CHF |
Representative example for homeowners
| Amount of loan | 50.000 CHF |
| Term | 48 months |
| Monthly costs | 1.172 CHF - 1.266 CHF |
| Total costs: | 56.254 CHF - 60.755 CHF |
Loan features
| Credit insurance possible: | Yes |
| Free early repayment: | Yes |
| Free full repayment: | Yes |
| No fees: | Yes |
| Loan refinancing possible: | Yes |
| Loan increase possible: | Yes |
| Document upload possible: | Yes |
| Bank provider: | Yes |
| Digital signature: | Yes |
| 100% Online: | Yes |
| Loan decision within 24 hours: | Yes |
Conditions
| Maximum age: | 65 (at the end of the contract) |
| Employment type: | Non-terminated and permanent employment |
| Self-employed possible: | No |
Documents to be submitted
| Copy of ID, C/B permit, salary statements (for the last 3 months) |
Remarks
| Important: The minimum interest rates shown by credit providers are granted to only a small fraction of applicants. Credit specialists negotiate with the banks on your behalf. By submitting an optional Loan Enquiry on our website, you will receive free, personalized advice. This preliminary consultation is conducted without a ZEK enquiry. |
ècash personal loan
The ècash personal loan from Cornèr Bank can be customised and tailored to the individual needs of the customer. The loan amount can be selected between CHF 5,000 and CHF 80,000. The terms are between 12 and 84 months, although longer terms are also possible on request.
The effective annual interest rate for personal loans ranges between 6.9% and 9.9%, or between 5.9% and 9.9% for homeowners, depending on the applicant’s creditworthiness and personal financial situation. The exact interest rate is determined individually as part of the application process.
The following conditions apply to the loan: The ècash personal loan is aimed at persons of full age who are resident in Switzerland or the Principality of Liechtenstein; Swiss nationals are eligible to apply, as are foreign applicants with a valid residence permit B or C. A permanent employment relationship that has not been terminated is a prerequisite - applicants must not be in a probationary period and must not be self-employed.
Cornèr Bank carefully checks creditworthiness in accordance with the Consumer Credit Act (KKG) and ensures that there is no over-indebtedness. Repayment is made in fixed monthly instalments, with the desired amount being paid out after successful verification and expiry of the statutory 14-day cancellation period, and early repayment is possible at any time without additional costs. Existing loans can be redeemed as part of a debt rescheduling. Optionally, an instalment insurance policy can be taken out to provide financial protection in the event of disability or death.
Advantages of ècash (Cornèrbank Loan)
Cornèr Bank stands for discretion, reliability and fair lending. Loans are only granted if they are appropriate to the applicant's financial situation and there is no risk of over-indebtedness.
The advantages at a glance:
- Flexible loan amount and term
- Monthly instalments tailored to your personal budget
- Fixed repayment instalments for optimal planning
- Transparent lending without hidden fees
- Fast and uncomplicated processing
- Free unscheduled repayments possible at any time
- Optional insurance cover in the event of an emergency
Online application in just a few steps
The ècash personal loan can be applied for directly online. After completing the loan application, the documents are quickly checked and a decision is made on the granting of the loan. If the assessment is positive, the contract is sent digitally or by post.
The loan amount is paid out after the contract has been concluded and the statutory waiting period of 14 days has expired.