Zak by Bank Cler review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zak by Bank Cler is a Swiss teen account that pairs an everyday account with a savings pot in one app. It suits young people in Switzerland who want no monthly cost: a monthly fee of CHF 0, ranked 1 of 500 on that measure, with a variable rate of 0.2%.
Key facts
- Best for
- A teen in Switzerland who wants a free account with a savings rate attached.
- Monthly fee
- CHF 0↗
- Currency conversion fee
- 2%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- CHF 0↗
- Transfer fee
- No additional processing fees when paying abroad with the Zak Visa Debit card; 2% foreign exchange markup on the Visa reference rate↗
- Legal entity
- Bank Cler AG↗
- Headquarters
- Switzerland↗
- Founded
- 2018↗
- Support channels
- Phone, Help-centre, Email↗
- Audience
- Teens
- Pricing model
- No monthly fee
- Features
- Digital-only, Free ATM withdrawals
- Official website
- cler.ch
Pros and cons
Pros
- Monthly fee of CHF 0, ranked 1 of 500 brands on that measure
- ATM withdrawals at CHF 0 on the Zak Visa Debit card
- A variable headline rate of 0.2% sits inside the same account
- Help by phone, email and a help centre (phone, help centre and email)
Cons
- Paying abroad with the card carries a currency conversion fee of 2%, and the brand ranks 214 of 312 on that measure
- Access terms are easy access (easy access), so above the annual amount a notice period applies and an immediate payout usually costs a share of the excess
- A branch visit is not among its support channels (phone, help centre and email), and the setup is digital-only (digital only and free atm)
Who it suits
- Teens in Switzerland who want a first account with a monthly fee of CHF 0
- Young savers who want the account and a variable rate of 0.2% in one app
- Anyone comfortable managing everything in an app, with help on phone, help centre and email
Who should look elsewhere
- Anyone wanting branch service, given a branch visit is not among its support channels (phone, help centre and email)
- Adults after a bigger rate, since the headline rate is 0.2% against a site median of 3%
- Travellers who convert often, given the currency conversion fee of 2% on the Zak card
How Zak by Bank Cler compares
8.6 vs 8.7
8.6 vs 8.6
8.6 vs 8.0
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 9.2
8.6 vs 8.7Charges a monthly fee of €0 on a euro account, while Zak runs on a Swiss IBAN (iban).
8.6 vs 8.7
8.6 vs 8.7Charges a monthly fee of €3.99, so Zak costs less for someone who wants the account free of monthly cost.
8.6 vs 9.0
8.6 vs 8.7
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.9- 8.6 vs 8.9
8.6 vs 8.7
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 8.2
8.6 vs 8.1- 8.6 vs 8.1
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 9.1
Where Zak by Bank Cler is available
- Available
- Switzerland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How quickly can I get money out of the savings side?+
Zak is listed as an easy access account (easy access), so savings move by internal transfer to the Zak account within an annual amount. Above that level a notice period applies, and an immediate payout usually costs a share of the excess.
What interest does the Zak savings side pay?+
The savings rate is a variable 0.2%, which sits well below the 3% median across the site. Because the rate is variable it can move rather than staying fixed for a term, and the money stays withdrawable through the same app.
What does it cost to pay abroad with the Zak card?+
The currency conversion fee is 2%, applied as a foreign exchange markup on the Visa reference rate. Zak ranks 214 of 312 brands on that measure, while the site median runs at 0.5%.
Who runs Zak and where is it based?+
The account is run by Bank Cler AG and is based in Switzerland. It works as a Swiss IBAN account (iban), so payees in Switzerland are paid the usual way. The provider opened the Zak brand in 2018.
How do I get help from Zak?+
Support runs on phone, help centre and email, so help is available by phone, by email and through a help centre. The help centre covers onboarding questions, and the digital-only setup (digital only and free atm) means the account is run from the app rather than in person.
Who is Zak built for?+
The audience is teens (teen), which makes it a natural first account. The setup is digital-only (digital only and free atm) and aimed at smartphone users, so a parent looking for a joint arrangement would find the teen focus too narrow.
Sources
- cler.ch/de/info/zak checked September 26, 2026
Backs: Audience, Founded
“Available from age 12. And the best thing: Zak is free.”
- cler.ch/de/info/zak/faq checked September 26, 2026
Backs: Local account details
“Where do I find my bank details with IBAN and BIC/SWIFT? The Cler bank BIC (SWIFT) number is: BCLRCHBB”
- cler.ch/de/info/zak/faq/onboarding checked September 26, 2026
Backs: Support channels
“Call our advisory centre on 0848 845 245 (Monday to Friday, 8 to 18); for documents by email from your registered address to info@cler.ch”
- cler.ch/de/info/zak/preis checked September 26, 2026
Backs: Features, Pricing model, Monthly fee, Transfer fee
“Card payments in Switzerland are free for you, as are cash withdrawals at Bank Cler ATMs”
- cler.ch/de/info/zak/visa-debit checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee
“Cash withdrawals in CHF and EUR are free at Bank Cler ATMs; withdrawals at third-party ATMs cost 2 CHF per withdrawal (CHF) or 5 CHF (EUR and abroad)”
- cler.ch/de/info/zak/zak-sparen checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
- cler.ch/de/sites/rechtliche-hinweise/impressum checked September 26, 2026
Backs: Headquarters, Legal entity
“Bank Cler AG, Aeschenplatz 3, 4052 Basel”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.
Related by the facts
Zak by Bank Cler
A teen in Switzerland who wants a free account with a savings rate attached.