Bank Cler Zak
Everyone
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100K+
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About this app
Zak is a simple and user-friendly app that puts you in complete control of your finances: checking account, savings account, Visa debit card with mobile payment, savings pots, payments, retirement planning, and investing – all directly on your smartphone. Available for ages 12 and up, and it's free.
Opening an account takes just a few minutes directly through the app – from anywhere, completely paperless and without video calls.
ALL ESSENTIAL ACCOUNT FEATURES IN THE APP
You'll find all the features you expect from an account in Zak – all right on your smartphone. You can make transfers and set up standing orders, as well as scan invoices. You'll receive a free Visa debit card for convenient online and in-store payments worldwide – including mobile payment and TWINT.
Zak also helps you organize your finances. Divide your budget into different pots and move money between them with a swipe. To save, simply set aside some money. This way, you always know exactly how much you can spend.
Zak ZAK – FEATURES:
VISA DEBIT CARD WITH MOBILE PAYMENT
Pay worldwide online and in stores with your Zak Visa Debit. For secure and convenient shopping, you can add your Zak Visa Debit to your wallet and activate Apple Pay, Google Pay, or Samsung Pay. You can also use the Bank Cler TWINT app to pay with Zak.
ZAK RETIREMENT PLANNING
Simply contribute to Pillar 3a of the Swiss pension system, save on taxes, and decide how you want to invest your Pillar 3a contributions: Save in your Pillar 3a account or increase your chances of a better return by investing in sustainable securities.
ZAK INVEST
Invest easily in stocks, ETFs, and funds. In addition to the most traded investment products, you have access to our extensive investment universe across the world's most important markets. Zak Invest offers a diverse selection of securities from Switzerland and abroad.
ZAK RETIREMENT PLANNING ZAK SAVINGS
Deposit into "Zak Savings" and benefit from an attractive interest rate. Track your interest earnings with the integrated counter and achieve your savings goals.
PAYMENTS
Scan or upload your QR invoice to pay it in just a few clicks, or use eBill for your billers. You can also share your bank details as a QR code.
SHARED PILLS
Manage expenses as a couple or in a group, see at a glance who owes whom how much, and settle debts directly in Zak with a single click.
ZAK INSTANT
Send or request money from other Zak users in your contacts—all without entering an IBAN. Your Zak Instant payments are processed immediately, anytime.
ZAK PROMOTIONS
Zak Promotions are attractive, rotating offers available in Zak for a limited time and in limited quantities. Check the app regularly.
REFER AND BENEFIT
Recommend Zak via the "Invite Friends" menu. For every successful referral, you and your friends will each receive CHF 25 directly into your account.
Note: Some features, such as insurance, cashback, and Zak Plus, are only available to those 16 years and older. Features like Zaktion, Zak Invest, Zak Vorsorge, and the "Invite Friends" function (including bonus credit) are available to those 18 years and older.
PRESS REVIEWS
Zak received multiple "very good" ratings in the latest moneyland.ch survey – including in the categories "Debit Card," "Fees & Services," "Value for Money," and "Online and Mobile Banking." – moneyland.ch, June 10, 2025
Zak ranked 3rd in the "Top Banks 2025" ranking in the "Neobanks" category. – Handelszeitung.ch, November 14, 2024
"These are the personal accounts and debit card providers with the highest customer satisfaction: Zak comes out on top." - moneyland.ch, June 13, 2024
Opening an account takes just a few minutes directly through the app – from anywhere, completely paperless and without video calls.
ALL ESSENTIAL ACCOUNT FEATURES IN THE APP
You'll find all the features you expect from an account in Zak – all right on your smartphone. You can make transfers and set up standing orders, as well as scan invoices. You'll receive a free Visa debit card for convenient online and in-store payments worldwide – including mobile payment and TWINT.
Zak also helps you organize your finances. Divide your budget into different pots and move money between them with a swipe. To save, simply set aside some money. This way, you always know exactly how much you can spend.
Zak ZAK – FEATURES:
VISA DEBIT CARD WITH MOBILE PAYMENT
Pay worldwide online and in stores with your Zak Visa Debit. For secure and convenient shopping, you can add your Zak Visa Debit to your wallet and activate Apple Pay, Google Pay, or Samsung Pay. You can also use the Bank Cler TWINT app to pay with Zak.
ZAK RETIREMENT PLANNING
Simply contribute to Pillar 3a of the Swiss pension system, save on taxes, and decide how you want to invest your Pillar 3a contributions: Save in your Pillar 3a account or increase your chances of a better return by investing in sustainable securities.
ZAK INVEST
Invest easily in stocks, ETFs, and funds. In addition to the most traded investment products, you have access to our extensive investment universe across the world's most important markets. Zak Invest offers a diverse selection of securities from Switzerland and abroad.
ZAK RETIREMENT PLANNING ZAK SAVINGS
Deposit into "Zak Savings" and benefit from an attractive interest rate. Track your interest earnings with the integrated counter and achieve your savings goals.
PAYMENTS
Scan or upload your QR invoice to pay it in just a few clicks, or use eBill for your billers. You can also share your bank details as a QR code.
SHARED PILLS
Manage expenses as a couple or in a group, see at a glance who owes whom how much, and settle debts directly in Zak with a single click.
ZAK INSTANT
Send or request money from other Zak users in your contacts—all without entering an IBAN. Your Zak Instant payments are processed immediately, anytime.
ZAK PROMOTIONS
Zak Promotions are attractive, rotating offers available in Zak for a limited time and in limited quantities. Check the app regularly.
REFER AND BENEFIT
Recommend Zak via the "Invite Friends" menu. For every successful referral, you and your friends will each receive CHF 25 directly into your account.
Note: Some features, such as insurance, cashback, and Zak Plus, are only available to those 16 years and older. Features like Zaktion, Zak Invest, Zak Vorsorge, and the "Invite Friends" function (including bonus credit) are available to those 18 years and older.
PRESS REVIEWS
Zak received multiple "very good" ratings in the latest moneyland.ch survey – including in the categories "Debit Card," "Fees & Services," "Value for Money," and "Online and Mobile Banking." – moneyland.ch, June 10, 2025
Zak ranked 3rd in the "Top Banks 2025" ranking in the "Neobanks" category. – Handelszeitung.ch, November 14, 2024
"These are the personal accounts and debit card providers with the highest customer satisfaction: Zak comes out on top." - moneyland.ch, June 13, 2024
Updated on
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.
What’s new
Neu mit Zak anlegen.
In Zak Invest* erwartet dich:
• Erhalte Zugang zum grossen Anlageuniversum: über 12 000 Aktien, ETFs und Fonds.
• Handle an den wichtigsten Börsenplätzen weltweit.
• Investiere schon ab 5 CHF Handelsgebühr.
Mehr Informationen zu Zak Invest findest du unter: cler.ch/zak-invest.
* Zak Invest steht allen volljährigen Zak-Usern zur Verfügung, die ein Smartphone mit Android ab Version 10.0 besitzen.
In Zak Invest* erwartet dich:
• Erhalte Zugang zum grossen Anlageuniversum: über 12 000 Aktien, ETFs und Fonds.
• Handle an den wichtigsten Börsenplätzen weltweit.
• Investiere schon ab 5 CHF Handelsgebühr.
Mehr Informationen zu Zak Invest findest du unter: cler.ch/zak-invest.
* Zak Invest steht allen volljährigen Zak-Usern zur Verfügung, die ein Smartphone mit Android ab Version 10.0 besitzen.
Everyone
Learn moreApp support
phone
Phone number
+41848845245
About the developer
Bank Cler AG
webmaster@cler.ch
Aeschenplatz 3
4052 Basel
Switzerland
+41 79 723 74 65