Zak: The Digital Bank Account of Bank Cler in Switzerland

Zak is the digital bank account of Bank Cler, designed to offer a modern, intuitive, and fully smartphone-manageable banking experience. Launched by a well-established Swiss bank, Zak combines the security and reliability of a traditional institution with the flexibility and innovation of a fintech. It is aimed at anyone looking for simple, smart, and transparent financial management, with a particular focus on expense control and digital features.

What financial products does Zak offer?

Zak, as a digital platform of Bank Cler, focuses primarily on daily money management and smart saving. Its main offer includes:

• Online Account: For payments, transfers, and daily financial management.

• Debit Cards (Visa Debit): For payments and withdrawals in Switzerland and abroad.

• Sub-accounts (Spaces): Innovative features for splitting and managing savings for specific goals.

• Savings Account: Solutions for building capital with competitive returns.

Zak's Digital Current Account Offers

The Zak current account is the core of the offering, designed for those who want to manage their finances anytime, anywhere via an intuitive mobile application. It offers essential features such as transfers, bill payments (eBill), and the ability to set savings goals through "Spaces" (virtual sub-accounts). Management is transparent, with a clear overview of expenses and income, and often without monthly management fees, or with very low fees compared to traditional accounts. You can find more details on the Zak current account here and compare it with other options.

Zak's Visa Debit Card Offers

The Zak account comes with a Visa Debit card, which allows for secure payments online and in stores, as well as cash withdrawals both in Switzerland and abroad. This card stands out for its ease of use and the ability to control transactions in real time directly from the app. It often includes advantageous conditions for withdrawals and payments in foreign currencies, making it ideal for travel as well.

Zak's Savings Account Offers

In addition to the current account for daily operations, Zak also offers a dedicated savings account for building capital. This account is ideal for those who wish to set money aside for medium or long-term goals, benefiting from competitive interest rates compared to the main current account. Management is integrated into the Zak app, allowing for easy transfers between the current and savings accounts, and providing a clear overview of your savings progress. It is a flexible solution to make your funds work for you without excessive constraints. You can find more details on the Zak savings account here and compare it with other options.

Advantages and Disadvantages of Zak

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

Advantages:

• Fully Digital: Easy and fast banking management via smartphone, ideal for those who are used to mobile banking.

• Low Costs: Often no monthly fee or very competitive costs, making it accessible.

• Innovative Features: The "Spaces" for saving are a big plus for financial organization.

• Security: As a product of Bank Cler, it benefits from the Swiss banking license and its stability.

• Intuitive User Interface: The app is well-designed and easy to use. 

Disadvantages:

• No Physical Branches: It does not offer counters or direct physical advice (although you can count on Bank Cler's support).

• Limited Product Range: It focuses mainly on accounts and savings; for mortgages, complex loans, or advanced investments, it is necessary to turn to Bank Cler's full services.

• Customer Support: Being digital, support is mainly provided via chat or phone, which may not be for everyone.

Contacting Zak: how to reach customer service

If you need assistance or would like more information about Zak, you can contact Bank Cler's customer service (which manages Zak) as follows:

• In-app chat: Available directly from the Zak application.

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

• Email: Via the contact form on the Bank Cler website or at kontakt@cler.ch

• FAQ: Frequently asked questions section on the Zak and Bank Cler websites.

Zak Headquarters and Addresses

Zak is a product of Bank Cler, whose main headquarters is located in Switzerland:

• Main Headquarters (Bank Cler): Lichtstrasse 32, 4002 Basel, Switzerland

Other Locations: As an exclusively digital account, Zak does not have its own physical branches. However, in case of more complex needs, you can turn to Bank Cler's branches located throughout Switzerland.