Bank Cler: Accounts, Mortgages, Investments, and Pensions in Switzerland

Bank Cler (formerly known as Bank Coop) is a Swiss bank with a solid history, a forward-looking approach, and a focus on transparency and sustainability. It stands out for its innovative digital offering, particularly with the Zak account, while also maintaining a strong physical presence and a consultative approach. It caters to both individuals and businesses, offering a comprehensive range of banking services with a special focus on individual needs and corporate social responsibility.

What financial products does Bank Cler offer?

Bank Cler operates in Switzerland, offering a wide variety of financial products and services designed to cover the daily, savings, investment, and pension needs of its clients. Its offer includes:

• Current Accounts: For daily money management, including the digital Zak account.

• Savings Accounts: Solutions for accumulating capital with attractive returns.

• Pillar 3a Pension Accounts: For long-term financial planning and retirement.

• Credit and Debit Cards: For payments and withdrawals in Switzerland and abroad.

• Personal Loans: Financing solutions for various needs.

• Mortgages: For the purchase or renovation of properties.

• Investments: Consulting services and platforms for wealth management.

Bank Cler's Current Account Offers

Bank Cler is particularly known for its current account offers, among which Zak stands out—a smartphone bank account that combines advanced digital features with low costs. In addition to Zak, the bank offers traditional current accounts suitable for different customer segments, guaranteeing flexibility, access to online and mobile banking services, and the ability to manage finances simply and efficiently.

Bank Cler's Mortgage Offers

Bank Cler is a reliable partner for real estate financing in Switzerland. It offers various mortgage solutions, including fixed-rate mortgages, variable-rate mortgages, and Libor-based mortgages (now SARON), suitable for both buying a dream home and refinancing existing properties. The bank is distinguished by its personalized advice, helping clients find the most suitable solution for their financial needs and the market situation. You can find more details on Bank Cler's mortgages here and compare them with other options.

Bank Cler's Pillar 3a Pension Offers

Pensions are a fundamental pillar of Bank Cler's offerings. Through its Pillar 3a pension solutions, the bank allows clients to build a solid financial future while benefiting from tax advantages. Whether it's a traditional pension account or solutions linked to investment funds to maximize return potential, Bank Cler offers advice and tools for optimal pension planning. You can find more details on Bank Cler's Pillar 3a pension here and compare it with other options.

Advantages and Disadvantages of Bank Cler

To help you make an informed choice, here is a summary of the main pros and cons of relying on Bank Cler:

Advantages:

• Digital Innovation: Strong digital presence with products like Zak, ideal for those who prefer to manage their banking via smartphone.

• Wide Range of Products: Offers comprehensive services for individuals and businesses, from daily management to investments and pensions.

• Sustainability and Transparency: Commitment to an ethical and transparent banking model.

• Physical Presence: Despite its digital offerings, it maintains branches for those who prefer personal consultation.

Disadvantages:

• Costs: Some traditional services or accounts may have slightly higher costs compared to some purely online banks, while offering a more complete service.

• Local Focus: Although it has a national presence, its branch network may not be as extensive as that of larger banks.

• Offer Complexity: The wide range of products may take some time for new, less experienced users to fully understand.

Contacting Bank Cler: how to reach customer service

If you need assistance or would like more information, here is how you can contact Bank Cler's customer service:

• Phone: +41 848 848 848 (Monday to Friday, 08:00 AM – 6:00 PM)

• Email: Via the contact form on the official website or kontakt@cler.ch

• Online Chat: Available on the Bank Cler website.

• Branches: You can find the nearest branch using the locator on their site.

Bank Cler Headquarters and Addresses

Bank Cler has its main headquarters and several branches throughout Switzerland:

• Main Headquarters: Lichtstrasse 32, 4002 Basel, Switzerland

• Other Locations/Main Branches: Bank Cler has a network of branches in various Swiss cities, including Zurich, Bern, Lucerne, Geneva, Lausanne, Lugano, and others. You can find the complete list and specific addresses on the branch locator on the official Bank Cler website.