La nostra opinione su ZKB Private Account
Zurich's cantonal bank gives you a free private account. The optional packages are where it gets interesting.
The ZKB Private Account ranks #6 among Switzerland's 45 private accounts. It's the standard free offering from Zurich's cantonal bank, one of the largest and most trusted banks in Switzerland. No-frills banking with the option to bundle into a package that includes a credit card.
What Does Free Actually Mean?
Zero account management fee. Zero debit card fee. Free domestic payments and SEPA transfers. You get a Visa Debit and access to mobile and online banking at no cost. Up to three private accounts and two Visa Debit cards are included for free. That's genuinely generous.
ATM withdrawals at ZKB machines are free, but other Swiss ATMs cost CHF 2 each. Abroad, it's CHF 5 per withdrawal. Non-SEPA international payments run CHF 4. These are standard cantonal bank rates, nothing surprising either way.
What Actually Stands Out
The optional inclusive packages are the real play here. Silver (CHF 72/yr) adds a standard credit card. Gold (CHF 150/yr) upgrades to a Gold credit card. Platinum (CHF 384/yr) includes a Platinum credit card. Each package bundles the private account, savings account, and credit card into one fee.
ZKB also offers EUR account management, which is useful if you receive income in euros. As Zurich's cantonal bank, your deposits benefit from the Canton of Zurich's state guarantee. That's arguably the strongest cantonal backing in Switzerland.
What Most Reviews Miss
Account closure costs CHF 20. Most cantonal banks offer free termination, so this is a small but real cost if you decide to leave. Each additional private account beyond three costs CHF 12 per year, and extra Visa Debit cards beyond two cost CHF 40 each.
The 0% interest rate means your money sits idle. No interest on the private account at all. For a bank this size, that's expected but worth noting if you keep large balances in your checking account. Move anything above your monthly needs to a savings account.
The Bottom Line
ZKB offers solid, reliable free banking with the strongest cantonal backing in Switzerland. The standalone account is excellent for everyday use, and the inclusive packages make sense if you also need a credit card. Compare your options in our best private accounts in Switzerland guide.
Verdict: The safe, trusted choice for Zurich residents. Consider a package if you need a credit card bundled in.
Vantaggi
- No annual fees
- No minimum deposit required
- Modern mobile and online banking
- Free SEPA payments
Svantaggi
- No contactless payment
- Age restriction: For individuals from the age of 18.
Dettagli del conto
In breve
Gestione conto
Nessuna commissione
Tasso d'interesse
0.00%
Commissione carta di debito
Nessuna commissione
Valuta
CHF
Commissioni e costi
Commissioni e costi
Commissione apertura conto
Nessuna commissione
Gestione conto
Nessuna commissione
Commissione carta di debito
Nessuna commissione
Prelievo contanti (Svizzera)
Bancomat propri gratuiti, altri CHF 2.00
Prelievo contanti (Estero)
CHF 5
Pagamento in uscita (CH)
Nessuna commissione
Pagamento SEPA
Nessuna commissione
Non-SEPA Payment Abroad
CHF 4
Funzionalità bancarie
Funzionalità bancarie
Mobile Banking
Disponibile
Online Banking
Disponibile
Opzioni carta di debito
Caratteristiche principali
- Free account management
- No annual fee for debit card
- Mobile banking available
- Online banking available
- Debit Visa included
- Free cash withdrawals in Switzerland
- Low minimum deposit requirement
Requisito di età
Dai 18 anni
Termini di prelievo
Termini di prelievo
Chiusura conto
Commissione CHF 20.00
Calcola i tuoi costi annuali
Annual Cost Breakdown
You Pay Per Year
Gratuito
Valutazione per categoria
Confronta con conti simili
Domande frequenti
- Does ZKB charge anything to walk away from the relationship?
- CHF 20 to terminate the banking relationship. Most cantonal banks do this for free, so it's worth flagging if you tend to bank-hop. Not a dealbreaker for someone planning to stay long-term, but factor it in if you're testing ZKB as a backup.
- How many free accounts and Visa Debits does ZKB include?
- Up to 3 private accounts and 2 Visa Debit cards per customer relationship. Beyond that, each extra account is CHF 12 per year and each extra card CHF 40 per year. Useful headroom if you want a partner account, a holiday-savings sub-account and a separate card for shared spending.
- Is the ZKB inclusive package worth it?
- Depends on the credit card you'd otherwise pay for. Silver costs CHF 72 per year including a Standard credit card; Gold is CHF 150 with a Gold card; Platinum CHF 384 with a Platinum card. If the included card matches what you'd buy standalone, the package usually wins. If you don't need a credit card at all, skip the package and stay on the free private account.
- How much do ZKB Visa Debit purchases abroad really cost?
- 1.25% of the purchase amount, capped at CHF 1.50 per transaction. That cap is unusual: it makes ZKB cheaper than peers on big-ticket foreign purchases. A CHF 200 hotel night abroad costs you CHF 1.50, where most banks would charge CHF 3.
Come abbiamo valutato questo conto
Ti chiedi perché ZKB Private Account ha ottenuto questo punteggio? Valutiamo i conti Conti privati con una formula ponderata. Ecco cosa conta.
Stessa formula per ogni conto di questa categoria. Senza eccezioni.
Pronto ad aprire?
Apri oggi il ZKB Private Account e inizia a goderti i suoi vantaggi.