Letztes Update: 28. September 2023
Looking for a bank account that’s free and easy to use? Then check out Bank Cler’s Zak. It was my first digital master account for two years.
Equipment and functions
You will receive a Visa debit card free of charge, which you can use to withdraw money from Bank Cler ATMs free of charge. You can conveniently block and unblock the card in the app.
You can easily enter transfers and standing orders via the app – at no extra cost. And you can conveniently scan invoices.
With “pots” you can create something like sub-accounts within the app and put money aside for your next vacation, for example, manually or via automatic saving.
If your colleagues also have an account with Zak, you can manage your expenses in the group via “pots” and make instant transfers among yourselves.
Since summer 2021, the Visa debit card can be deposited directly to the Wallet using the one app. For some time now, I have been using my Apple Watch with Apple Pay almost exclusively for daily expenses – it would be hard to pay faster. The debit card also works with Google Pay and Samsung Pay.
Benefits
When a payment arrives in your account, you can use “Zak Deals” to exchange this account credit for coupons from popular online stores. You benefit from attractive discounts. As an example, you spend 100 CHF and get a Zalando voucher of 110 CHF, saving 10%.
Again and again there are also limited Zaktionen. The other day, for example, there were discounted Swiss vouchers.
eBill is finally available since March 2022.
For retirement planning, a pillar 3a securities solution is also possible, which can be integrated into the app. From a cost perspective, however, the Zak offer is not very attractive. You can find cheaper and more digital providers in my big pillar 3a comparison.
A paid version is also available. Zak Plus costs 8 francs per month. This allows you to withdraw cash free of charge from ATMs at third-party banks, for example. You can find the other differences here.
Bank Cler, recently known as Bank Coop, is a Swiss banking company headquartered in Basel. In the meantime, Cler belongs to the Basler Kantonalbank.
Profit
You want to try the free account too? Then use this code:
NWPR2M
You will receive a starting fee of 25 CHF.
Download the app here: https://www.cler.ch/de/info/zak
After opening the account, go to the settings menu of the app and redeem the code within 30 days.
Transparency and disclaimer
I was not paid by anyone for this blog post, it reflects my subjective opinion.
If you open accounts or business relationships, order products or services through my links and codes, I may receive a commission for doing so. However, you will not suffer any disadvantages such as higher prices or the like. The terms and conditions of the respective providers apply. Affiliate links are marked with a *.
Investments are associated with risks which, in the worst case, can lead to the loss of the capital invested.
All publications, i.e. reports, presentations, notices as well as contributions to blogs on this website (“Publications”) are for information purposes only and do not constitute a trading recommendation with regard to the purchase or sale of securities. The publications merely reflect my opinion. Despite careful research, I do not guarantee the accuracy, completeness and timeliness of the information contained in the publications.