Notre avis sur Bank Cler Private Account Zak Plus
Free worldwide ATM withdrawals from a Swiss bank. The catch? It costs CHF 96 per year.
The Bank Cler Zak Plus ranks #2 among Switzerland's 45 private accounts. It's the premium version of the popular Zak smartphone account, adding free worldwide cash withdrawals to the package. If you travel frequently and use ATMs abroad, the upgrade math might work in your favor.
Are the Fees Worth It?
At CHF 96 per year, Zak Plus is one of the pricier smartphone accounts. But here's the math: if you make just two ATM withdrawals abroad per month, you'd pay roughly CHF 120 per year in fees on a free account. The break-even point is about 20 foreign ATM withdrawals per year. Travel that often? It pays for itself.
Domestic payments and SEPA transfers are free. The debit card is free. And you still get the clean Zak app experience. The CHF 96 is purely for the added convenience of free cash access worldwide. No hidden extras.
What Actually Stands Out
Free cash withdrawals worldwide is genuinely rare among Swiss accounts. Most banks charge CHF 5 per foreign ATM withdrawal, plus currency conversion fees. With Zak Plus, every ATM in the world becomes your ATM at no extra cost.
The account also comes with a Visa Debit card, full mobile and online banking, and the same solid Bank Cler infrastructure backed by Basler Kantonalbank. You get cantonal bank security with neobank convenience. Available from age 12, making it accessible to younger users too.
What Most Reviews Miss
Here's the fine print that matters: a 2% surcharge applies to card payments abroad and EUR cash withdrawals. So while ATM withdrawals are free, spending with your card in Paris still costs you 2% extra. On a CHF 2,000 holiday spend, that's CHF 40 in surcharges.
The weekly payment limit is capped at CHF 25,000 including standing orders. Payments outside the SEPA area and non-CHF/EUR currencies aren't available. And like standard Zak, everything is smartphone-only with PDF-only statements. No paper documents, no branch visits.
The Bottom Line
Zak Plus makes sense if you're a frequent traveler who regularly uses ATMs abroad. The CHF 96 annual fee pays for itself quickly if you withdraw cash often while traveling. For everyone else, the free Zak account is the better deal. See how it stacks up in our best private accounts in Switzerland ranking.
Verdict: Worth the upgrade for frequent travelers. Overkill if you rarely touch foreign ATMs.
Avantages
- No minimum deposit required
- Modern mobile and online banking
- Free SEPA payments
Inconvénients
- Annual management fee (CHF 96)
- No contactless payment
- Age restriction: For individuals from the age of 12.
Détails du compte
En un coup d'œil
Gestion de compte
CHF 96/an
Taux d’intérêt
0.05%
Frais de carte de débit
Sans frais
Devise
CHF
Frais et coûts
Frais et coûts
Frais d’ouverture de compte
Sans frais
Gestion de compte
CHF 96/an
Frais de carte de débit
Sans frais
Retrait d’espèces (Suisse)
Gratuit
Retrait d’espèces (Étranger)
Sans frais
Paiement sortant (CH)
Sans frais
Paiement SEPA
Sans frais
Non-SEPA Payment Abroad
Sans frais
Fonctionnalités bancaires
Fonctionnalités bancaires
Banque mobile
Disponible
Banque en ligne
Disponible
Options de carte de débit
Caractéristiques principales
- No annual fee for debit card
- High interest rate of 0.05%
- Mobile banking available
- Online banking available
- Debit Visa included
- Free cash withdrawals in Switzerland
- Low minimum deposit requirement
Âge minimum requis
Dès 12 ans
Conditions de retrait
Conditions de retrait
Clôture de compte
Gratuit
Informations supplémentaires
Informations supplémentaires
- Managed via smartphone app
- Online statements only (no paper)
- 2% surcharge on foreign currencies
Calculez vos coûts annuels
Annual Cost Breakdown
You Pay Per Year
CHF 96
Évaluation par catégorie
Comparer à des comptes similaires
Questions fréquemment posées
- What does Zak Plus's CHF 96 per year actually buy you over Zak?
- Free cash withdrawals worldwide and no surcharge on card payments abroad. Regular Zak charges CHF 5 per ATM withdrawal abroad and adds 2% to foreign card spending. If you travel 3+ weeks per year and pay with the card, the math flips in Plus's favor by year two. Two ski trips and a beach holiday a year is roughly the breakeven point.
- Does Zak Plus still cap weekly payments at CHF 25,000?
- Yes, that limit carries over from regular Zak. CHF 25,000 per week across all payment orders, including standing orders. Useful to remember if you bundle rent, tax instalments and an annual insurance premium in the same week. Schedule them across cycles or keep a regular Bank Cler account on the side for big one-offs.
- Can I open Zak Plus for a teenager?
- Yes, from age 12 like regular Zak. That makes it one of the rare paid accounts open to under-18s in Switzerland. For most teenagers, free Zak is plenty though. The Plus perks only matter once they're spending real money abroad.
Comment nous avons noté ce compte
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