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 pensions. That and much more right 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'd expect from an account are in Zak, right on your phone. In addition, Zak will help you to bring order to your finances. Spread your budget across different pots and move your money from pot to pot with a swipe. To save, just put something aside. So 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: No matter how much, how often and when you shop abroad with your Visa Debit, you don't pay any additional fees!
To shop safely and conveniently, use Google Pay and Samsung Pay.

Simply pay money into Pillar 3a of the Swiss pension system and save on taxes. Either save your money in your pension account 3 or increase your chance of a better return and invest in sustainable securities.

With eBill in Zak, check and pay your invoices completely digitally with just a few clicks – free of charge, of course. If you do receive a paper invoice, you can simply scan it

Manage expenses in pairs or groups, see who owes whom how much at a glance, and settle the debt with one click directly in Zak.

Send or request money from other Zak users in your contacts - without entering the IBAN. Your Zak Instant payments are processed instantly and at any time.

Shop at 250+ partner stores and get money back straight to your Zak account. For example, benefit from 5% cashback on bookings at or up to 16% cashback on orders at Just Eat!

Zaktionen are rotating 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 more often to see which campaign is currently running.

Recommend Zak via the «Invite friends» menu. For each successful recommendation, you and your friends will each receive CHF 25 directly into their 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 instill confidence in the smartphone bank among consumers.” – 20 minutes, 3/28/2019

“This shows that the N26 is by no means unique. Interesting banking on smartphones is also available in this country. Bank Cler's Zak smartphone app proves that even a traditional bank can offer an upbeat and affordable digital product.» – Weissenstein & Partner AG, January 16, 2019

«About 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 Economy, June 16, 2021

"Zak can put the trophy of the first smartphone bank in Switzerland on the shelf." –, July 1, 2021
Updated on
Jun 5, 2023

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

Diverse kleinere Fehlerbehebungen und Performanceverbesserungen.