Switzerland
activeNeobankBroker
- HQ
- Gland
- Fee
- No fees whenever possible u2014 live list on yuh.com/en/pricing
Zak
Zak is Bank Cleru2019s digital account. Swiss IBAN, FINMA bank, esisuisse up to CHF 100,000.
Legal entity: Bank Cler AG
Rate this app
7.5Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Swiss bank (Bank Cler AG) (FINMA). Still read the entity on the statement.
If it fails?
esisuisse up to CHF 100,000 per client at Bank Cler AG.
Salary?
Yes. A Bank Cler CHF IBAN can take a Swiss salary.
Open from abroad?
No. Zak needs Swiss residence. This is not a remote IBAN mill.
Monthly fee
CHF 0 on Zak. Zak Plus is CHF 8/month.
Account number
Switzerland. Swiss 21-character IBAN at Bank Cler, BIC BCLRCHBB.
NeoBankDBVerdict
Licence first · score second
7.5
/10 · Solid
Zak is not a neobank startup. It is Bank Cleru2019s app. Bank Cler AG is a FINMA bank in Basel, owned by Basler Kantonalbank. You get a Swiss IBAN and esisuisse cover up to CHF 100,000. File it next to Yuh and Neon, but remember the difference: Yuh is Swissquote. Zak is Bank Cler. Neon is still Neon.
What it is
Zak is an offer of Bank Cler AG, Aeschenplatz 3, Basel. Bank Cler is 100% owned by Basler Kantonalbank. Official copy: u201cZak ist ein Konto der Bank Cler.u201d The bank dates to 1927. The digital brand is the account, not a separate licence.
Best for: People who live in Switzerland and want a real CHF IBAN without a fintech wrapper.
Last checked 2026-09-17. Not advice.
What it does well
- +The account is Bank Cler, a FINMA bank
- +esisuisse CHF 100,000
- +CHF 0 on the core Zak plan
- +Swiss IBAN, BIC BCLRCHBB
What to watch
- −Swiss residence required
- −Not for non-residents
- −FX is not Wise
- −German/French/Italian site u2014 English is thin
Legal entity, not the app icon
Who is behind it
- Legal name
- Bank Cler AG
- Parent
- Basler Kantonalbank (100%)
- Offices
- Aeschenplatz 3, CH-4052 Basel
- If something goes wrong
- FINMA / Swiss banking ombudsman. esisuisse for the deposit cap.
The product, not the brand colour
The account
- Platforms
- iOS · Android
- Account types
- Current account · Savings
- Availability
- Effective Swiss residence. Age 12+. Permit B or C for non-Swiss. No non-residents.
- IBAN country
- Switzerland. Swiss 21-character IBAN at Bank Cler, BIC BCLRCHBB.
- Remote open
- No. Zak needs Swiss residence. This is not a remote IBAN mill.
- Onboarding
- Apply in the Zak app if you live in Switzerland. Bank Cler KYC.
- Minimum age
- 12 for Zak. 16 for Zak Plus / insurance. 18 for invest and some extras.
- Salary / payroll
- Yes. A Bank Cler CHF IBAN can take a Swiss salary.
- ATM network
- Bank Cler ATMs free on Zak. Visa Debit elsewhere follows the factsheet.
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Zak lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
esisuisse up to CHF 100,000 per client at Bank Cler AG.
Who holds the money: Bank Cler AG
- FINMASwiss bank (Bank Cler AG) · Switzerland
Fees
- Monthly
- CHF 0 on Zak. Zak Plus is CHF 8/month.
- FX markup
- Visa reference plus about 2% on the Bank Cler factsheet.
- ATM
- Cler ATMs free on Zak. Worldwide ATM processing is a Zak Plus extra.
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- ✓Stocks
- –Business
- –Kids
- –Halal
- Swiss IBAN at Bank Cler
- Visa Debit
- Pots
- Zak Plus
- Investing extras
Before you tap Sign up
How to open
Step 1
Confirm Swiss residence
Zak is a Bank Cler account. You need to live in Switzerland. Non-Swiss residents need permit B or C.
Step 2
Open in the Zak app
The account you get is Bank Cler, not a fintech ledger. The IBAN is Swiss.
Step 3
Pick Zak or Zak Plus
Core Zak is CHF 0 a month. Zak Plus is CHF 8 for extra ATM and invest perks. Read the live factsheet.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 9.0
- Fees20%
- 8.5
- Features15%
- 7.2
- App15%
- 7.8
- Global15%
- 3.5
- Support10%
- 7.4
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Zak a bank?
Zak is the app. The account is Bank Cler AG, a FINMA-authorised Swiss bank. Official line: Zak is a Bank Cler account.
02How is money protected?
esisuisse covers eligible deposits at Bank Cler up to CHF 100,000 per client. That is the Swiss deposit scheme, not a fintech safeguard.
03Who can open Zak?
People who actually live in Switzerland. Age 12+ for the core account. Non-Swiss need permit B or C. Non-residents cannot open it.
04Does Zak give a Swiss IBAN?
Yes. It is a Bank Cler IBAN, BIC BCLRCHBB. That is a domestic Swiss current account, not a Lithuanian IBAN with a Swiss brand.
05Zak vs Yuh vs Neon?
Zak is Bank Cler. Yuh is Swissquote Bank Ltd u2014 Yuh itself is not a bank, and the esisuisse cap is shared with Swissquote. Neon is a separate Swiss file. Do not flatten the three.
06What is the monthly fee?
CHF 0 on Zak. Zak Plus is CHF 8 a month on the Bank Cler factsheet. Card replacement is CHF 20.
07Can I receive salary on Zak?
Yes. Swiss employers can pay a Bank Cler IBAN. Confirm the number in the app.
08What is the legal name?
Bank Cler AG, Basel. Parent: Basler Kantonalbank. Brand: Zak.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
neon
Swiss zero-fee app. Not a FINMA bank. Cash at Hypothekarbank Lenzburg, esisuisse CHF 100,000.
7.3Solid
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