The goal

Migros Bank wanted to combine its M-Card bank card and the Maestro debit card into one dual-brand chip card. A further aim was to turn the successful M-Card available into a single-brand chip card with upgraded functions. The Cumulus customer loyalty program was also to be integrated into both card products.

With these two card products, Migros Bank wanted to ensure that its customers would be able to pay in all Migros companies, in what is known as M-World (Migros, Hotelplan, Denner, Ex Libris), as well as its partners such as SBB.

«Particularly decisive for Migros Bank’s choice of Worldline were its card management and processing. The complete issuing processing and acquiring processing solution from Worldline led to a considerable reduction in system complexity and in the number of interfaces. In addition, costs for adaptations at the point of sale were minimized. The migration project ran extremely smoothly. Customers were able to use the old and new cards without interruption.»

Oliver Estermann - Head of Product Management Payments, Migros Bank

The solution

Migros Bank benefits from a partner with extensive experience in issuing and acquiring processing. By outsourcing the card business, the bank is able to concentrate on its core business and reduce the overall cost of investment per card.

Worldline provides complete lifecycle management of the cards, guarantees delivery availability as well as the applicable security specifications, and further develops chip functionality.

With availability exceeding 99.9%, the single processing platform of Worldline also meets the high quality requirements of Switzerland as a banking center.

The result

The M-Card bank card is unique and multifunctional. In addition to withdrawals from Migros Bank cash points and post office cash points, CHF 1,000 can be withdrawn free of charge each day at Migros checkouts or Migros customer service desks using the M-Card. Call credits for pre-paid mobile phones are also available from all Migros Bank cash points. A further advantage is that the M-Card is free of charge to all Migros Bank customers.

The Maestro M-Card debit card also contains all the successful M-Card functions, which makes it another popular means of payment.

Worldline supports Migros Bank throughout the entire value-added chain: from issuing processing to acquiring processing, including EMV competence.

This contract has boosted the competitive strength of Worldline in national and international processing business and has contributed considerably to the competitiveness of Migros Bank.