# Banking + credit card combinations \[24-26 edition\]
**URL:** https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879
**Category:** Banks, Insurances & Third Pillar
**Created:** [May 28, 2024, 4:51am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879 "2024-05-28T04:51:21Z")
**Posts on this page:** 20
**Page:** 4
### Author:  [@BPH](https://forum.mustachianpost.com/u/BPH)
#### Post date: [September 8, 2025, 7:01pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/88 "2025-09-08T19:01:16Z")
> [@assemblyrequired](#):
>
> Not really a big deal, or is it?
Let’s face it, with those cashback programs nothing is a “big deal”. For my spending pattern, the impact of this will be increase the gap to the Cashback cards by about 50.-, which is not a lot in the big scheme of things.
But adding to that the lack of e-Bill simply makes “simply having one Certo! card” vs. “managing a Cashback double” less attractive
---
### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [September 8, 2025, 8:39pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/89 "2025-09-08T20:39:08Z")
True. We have both, Cashback cards are for myself, and Certo is for shared expenses.
---
### Author:  [@encaxajd](https://forum.mustachianpost.com/u/encaxajd)
#### Post date: [September 29, 2025, 3:47pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/90 "2025-09-29T15:47:28Z")
My Certo credit card was not accepted by car rental company because they could not “verify” it is a real credit card. Somehow they have a list of issuers and cembra was not in the system. I have no idea how that works but that basically ruined my start of vacation. Does that mean I need a credit card of a big international bank to be sure I can rent a car? 😑
---
### Author:  [@TRSP](https://forum.mustachianpost.com/u/TRSP)
#### Post date: [September 29, 2025, 5:13pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/91 "2025-09-29T17:13:08Z")
I used the Certo credit card (deposit) this summer for my car rental in Switzerland. It worked fine: they accepted it, and later charged me around CHF 800 on this card for damage that I clearly did not cause… ☹ (refund and charge back process is initiated…)
---
### Author:  [@encaxajd](https://forum.mustachianpost.com/u/encaxajd)
#### Post date: [September 29, 2025, 7:59pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/92 "2025-09-29T19:59:59Z")
That is indeed interesting that it worked for you in Switzerland at least. The car company that declined was in Spain. I mean I am really not sure how to proceed when renting a car again. Probably call upfront and ask wheter they accept the xy credit card. But still I don’t get why they just cannot swipe the card and block the amount…
And sorry for the deductons for damages you didn’t do.
---
### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [September 29, 2025, 8:33pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/93 "2025-09-29T20:33:56Z")
What does real credit card means? Certo one is as real as it gets.
---
### Author:  [@Burningstone](https://forum.mustachianpost.com/u/Burningstone)
#### Post date: [September 30, 2025, 4:11am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/94 "2025-09-30T04:11:11Z")
That’s totally different from my experience, I rented a car in Italy, Germany, Spain and France and never had any issues. That seems to be an issue of the car rental shop you visited as the Cembra card is a real credit card and it should make absolutely no difference whether you have a mastercard from some tiny local bank or a large international bank, mastercard is mastercard.
---
### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [September 30, 2025, 6:43am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/95 "2025-09-30T06:43:11Z")
> [@Burningstone](#):
>
> mastercard is mastercard.
mastercard credit is mastercard credit.
mastercard debit is mastercard debit.
So maybe Certo is considered a debit card for some odd reasons?
---
### Author:  [@Burningstone](https://forum.mustachianpost.com/u/Burningstone)
#### Post date: [September 30, 2025, 7:40am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/96 "2025-09-30T07:40:08Z")
The certo cards from cembra are mastercard credit cards, I have a mastercard debit card from my cantonal bank at this one got not accepted by one of the car rentals.
---
### Author:  [@campFIRE](https://forum.mustachianpost.com/u/campFIRE)
#### Post date: [September 30, 2025, 9:48am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/97 "2025-09-30T09:48:05Z")
> [@encaxajd](#):
>
> I mean I am really not sure how to proceed when renting a car again.
When I rent a car I frequently use [rentalcars.com](http://rentalcars.com) (part of Booking).
There, when you click on “Important info”, below the car you choose.
In the “Security Deposit” part you will read something like:
> At pick-up, the main driver will leave a refundable security deposit of €1,300.00 on their credit card. Cash and debit cards are not accepted.
Some of the providers accept a debit card. I pick those.
Or just use a Swisscard Mastercard, it’s free.
---
### Author:  [@Ardius](https://forum.mustachianpost.com/u/Ardius)
#### Post date: [October 1, 2025, 5:44pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/99 "2025-10-01T17:44:36Z")
Should we update the combination ?
I am currently : WIR top package + Cashback cards [Cashback Cards – cartes de crédit gratuites suisses avec jusqu’à 1% de Cashback](https://www.cashback-cards.ch/fr)
I am tempted to change credit card to [Retour garanti. Certo! One Mastercard](https://certo-card.ch/one/fr/) or [https://www.migros.ch/fr/content/carte-de-credit-cumulus](https://www.migros.ch/fr/content/carte-de-credit-cumulus) (nice free insurance coverage, no ?) or any other ?
---
### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [October 1, 2025, 6:22pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/100 "2025-10-01T18:22:11Z")
No it’s a credit card
---
### Author:  [@almi](https://forum.mustachianpost.com/u/almi)
#### Post date: [October 1, 2025, 6:28pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/101 "2025-10-01T18:28:33Z")
But why? It’s still the same as it was a year ago no?
If you regularly buy stuff at e.g. Lidl or Aldi, the Certo makes sense (because you only get 0.25% with Cashback Card there due to Amex not being accepted).
Otherwise Swisscard Cashback is still fine. At least for me it wouldn’t be worth the hassle to change (didn’t check nor trust the insurance though).
---
### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [October 1, 2025, 7:46pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/102 "2025-10-01T19:46:30Z")
doesn’t it say mastercard or visa on it?
---
### Author:  [@TRSP](https://forum.mustachianpost.com/u/TRSP)
#### Post date: [October 7, 2025, 6:00pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/103 "2025-10-07T18:00:03Z")
Thanks! I actually always book through **[check24.de](http://check24.de)**, where I always choose the option with integrated insurance. I’m fully aware of the insurance scams run by most rental companies. In addition, my travel insurance would also cover me in such cases.😉 But anyway, when it comes to my case: the credit card company already approved the charge back even before the rental company admitted that they were wrong!
But thanks for the tip about rentalcover! (however, I see, as a Swiss, the countries they offer is very limited!)
---
### Author:  [@TRSP](https://forum.mustachianpost.com/u/TRSP)
#### Post date: [October 24, 2025, 9:08am UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/105 "2025-10-24T09:08:13Z")
Oh, I see, thank you very much for that hint (again!). It’s not very obvious with the dropdown list.
---
### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [May 29, 2026, 4:00pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/106 "2026-05-29T16:00:15Z")
Not sure there’s a more recent thread about credit card+banking choice.
FYI the UBS twint app was a nice hack to use your third party credit card (afaik that’s the only app that provides it).
They’ll now restrict the app to UBS customers so that likely won’t be possible in the future.
---
### Author:  [@gaijin](https://forum.mustachianpost.com/u/gaijin)
#### Post date: [May 29, 2026, 4:59pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/107 "2026-05-29T16:59:57Z")
Here’s the message inside the Twint app:
---
### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [May 29, 2026, 8:54pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/108 "2026-05-29T20:54:58Z")
Any way how to keep using Twint with neon?
---
### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [May 29, 2026, 9:31pm UTC](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879/109 "2026-05-29T21:31:21Z")
There’s always prepaid twint, but it’s a bit of a hassle.
[Previous page](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879.md?page=3)
[Next page](https://forum.mustachianpost.com/t/banking-credit-card-combinations-24-26-edition/12879.md?page=5)