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Zak by Bank Cler review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Zak by Bank Cler suits Swiss savers who want a Visa debit card without a recurring account charge. Its easy-access structure and a headline rate of 0.2% make it attractive, though the low yield and restricted access terms may limit people who need flexible withdrawals or a higher return.

Key facts

Best for
Swiss savers wanting an easy-access account with a fee-free Visa debit card.
Monthly fee
CHF 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Bank Cler AG↗
Headquarters
Switzerland↗
Founded
2018↗
Support channels
Phone, Help-centre↗
Features
Travel
Official website
cler.ch

Savings

Headline rate
0.2%↗
Rate type
Variable↗
Access terms
Easy access: 50,000 CHF per calendar year by internal transfer to the Zak account; above that a three-month notice period, immediate payout usually 2% of the excess amount↗
Account kind
Easy access↗
Pricing model
No monthly fee

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • No monthly account charge, with fees of CHF 0
  • A debit card on the Visa network
  • An easy access savings structure
  • Phone and help-centre support through phone and help centre

Cons

  • The headline rate of 0.2% sits below the site median of 3%.
  • Withdrawals above the easy-transfer allowance need a notice period, and an immediate payout is usually reduced by a percentage of the excess.
  • Support runs on phone and help centre only, so there is no live chat.
Zak by Bank Cler

Ready to try Zak by Bank Cler?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Swiss residents who want a debit card linked to a savings account
  • Travellers who prefer a Visa debit card
  • Savers comfortable giving notice on larger withdrawals

Who should look elsewhere

  • People chasing a higher headline return, given the site median of 3%
  • Users who need same-day access to a large balance
  • Varo Believe Secured Credit Card customers focused on travel perks

Rates and terms

Zak by Bank Cler pays a variable headline rate of 0.2%, set as variable rather than fixed for a term. That suits people who want their money reachable while it still earns something. The rate can move, so the return is worth checking against other easy-access accounts before you commit.

How Zak by Bank Cler compares

Where Zak by Bank Cler is available

Available
Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Zak account cost to hold?+

Zak carries no monthly account charge, with fees of CHF 0. The account is set up as a no-monthly-fee model, so there is no recurring cost for holding it or for the card that comes with it.

How quickly can money come out of the account?+

Transfers to the Zak account are easy up to a stated annual amount, and above that a notice period applies. An immediate payout above the allowance is usually reduced by a percentage of the excess, so large withdrawals cost something.

What kind of card comes with Zak?+

The card is a debit card running on the Visa network, with a travel focus. The account itself is an easy access savings account, so the card draws on the savings balance.

How can I get help from Zak?+

Support runs on phone and help centre. Phone and a help centre are the listed routes, and there is no live chat channel, so questions outside opening hours go through the help centre.

Who is the Zak account aimed at?+

Zak suits Swiss residents who want a savings account and a fee-free Visa debit card in one place, especially those who travel and spend in other currencies. People wanting a higher rate should look elsewhere.

Who runs the Zak account and where is it based?+

The account is run by Bank Cler AG and is based in Switzerland, so it is a Swiss product. The listed account is easy access, meaning money can come out without a fixed term commitment.

How new is Zak and what is it built for?+

Zak opened in 2018 and lists travel as a travel. It is a single savings account with an easy-access structure rather than a range of fixed-term products.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Zak by Bank Cler

Zak by Bank Cler

Swiss savers wanting an easy-access account with a fee-free Visa debit card.

8.8/10See alternatives