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Zak
Free digital bank by Bank Cler. Swiss IBAN, 1.3% savings interest, smart budget pots, Visa card with Apple/Google Pay, and 25 CHF referral bonus.
Country: CHIBAN: CHFounded: 2019
Monthly fee
Free
Pros
- ✓Free Swiss IBAN
- ✓1.3% savings interest
- ✓Visa with Apple/Google/Samsung Pay
- ✓Budget pots (Töpfe)
- ✓Cashback at 250+ shops
- ✓25 CHF referral bonus
- ✓Joint expense pots
Cons
- ✗No TWINT integration
- ✗No virtual card
- ✗App login issues reported
- ✗Account closure requires physical mail
- ✗Switzerland only
Features
Google / Apple Pay✓ Yes
Multi-Currency✗ No
Savings Account✓ Yes
Interest Rate1.3%
Crypto Support✗ No
Investment Feature✓ Yes
Physical Card✓ Yes
Virtual Card✗ No
Joint Account✓ Yes
Business Account✗ No
Kids Account✗ No
Instant Transfers✓ Yes
Cash Deposit✗ No
Desktop App✗ No
Customer Supportasync
Fees
FX Fee1.5%
Card DeliveryFree
Limits
Daily ATMCHF 800
Monthly ATMCHF 3,000
Daily TransferCHF 30,000
