Bank Cler Zak

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About this app

Zak is a simple and clear app that gives you complete control of your finances: account, Visa debit card with mobile payment, savings pots, payments and provisions. This and much more directly on your smartphone. Already from 15 years. And best of all: Zak is free.

You can easily open an account in just a few minutes directly via the app - from anywhere, without paper and without annoying video calls.

All the features you expect from an account can be found in Zak - all right on your smartphone. Zak also helps you get your finances in order. Spread your budget across different pots and move your money from pot to pot with a swipe. To save, you simply put something aside. This way you always know how much you can currently spend.

Z A K – F E A T U R E S:

Pay with your Zak Visa debit card online and in stores worldwide. And best of all: payments abroad are cheaper than with many other banks. To shop safely and conveniently, you can store the Zak Visa Debit in your wallet and use it for Apple Pay, Google Pay and Samsung Pay.

Simply pay money into Pillar 3a of the Swiss pension system, save taxes and decide for yourself how you want to invest your Pillar 3a contributions: Save in your pension account 3 with 1.3% interest or increase your chance of a better return and invest in sustainable securities.

Pay into “Zak Sparen” and benefit from 1.3% interest. Track your interest income with the integrated counter and achieve your savings goals.

With eBill in Zak, check and pay your bills completely digitally with just a few clicks – free of charge, of course. If you do receive a paper invoice, you can simply scan it. Simplify money transfers to you by sharing your bank details as a QR code.

Manage expenses as a couple or in a group, see at a glance who owes whom how much, and pay off the debts with one click directly in Zak.

Send money to other Zak users among your contacts or request money from them - without entering your IBAN. Your Zak Instant payments are made instantly and at any time.

With Zak you have your shopping center with over 250 partner shops right in your pocket. Shop online and get cash back directly into your Zak account.

Zactions are changing, attractive offers that are available in Zak for a certain period of time and only in a limited number. So it's worth checking the app often to see what Zaktion is currently running.

Recommend Zak via the “Invite Friends” menu. For each successful recommendation, you and your friends will each receive 25 CHF directly into your account.

“Is Zak the Revolut of Switzerland?” –, March 5, 2019

«The app has the advantage that it is offered by Bank Cler. The connection to the existing financial institution should give consumers trust in the smartphone bank.” – 20 minutes, March 28, 2019

«Around a year ago, Bank Cler launched the first Swiss smartphone bank called Zak. It was a local answer to smartphone banks in Europe.” – Handelszeitung, March 21, 2019

“Practical: With Zak, several users can record their expenses together in one pot.” – Finance and Economics, June 16, 2021

“Zak can put the trophy for Switzerland’s first smartphone bank on his shelf.” –, July 1, 2021

«User satisfaction with neobank cards is very high – significantly higher than with traditional credit cards. All cards are rated “very good”. The leader with 8.7 out of 10 points is Zak, the smartphone bank from Bank Cler […]. » -, May 4, 2023
Updated on
Apr 10, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

What's new

Zak Sparen – Jetzt verfügbar! 🚀
Wir freuen uns, dir in der neuesten Version der App das neue Plug-in «Zak Sparen» vorstellen zu dürfen. Zak Sparen ist ein Sparkonto direkt in Zak. Du profitierst du von 1,3% Zins und kannst so deine Sparziele schneller erreichen.

Bei Fragen oder Anregungen kannst du dich jederzeit unter melden.