Bank Cler Private Account Zak

Online checkings account
No account fees

General information:

Swiss private account for use by smartphone.

The monthly account statement and the annual account statement per 31.12. are only available as a PDF.

The total of all payment orders (incl. standing orders) is limited to CHF 25,000 (or equivalent) per week. Payments outside the SEPA area, payments in currencies other than CHF and EUR are currently not available.

A surcharge of 2% is levied on card payments abroad, cash withdrawals in EUR and on cash withdrawals abroad.

When transferring residual or interest deposits, the transfer is considered a payment order and is charged at CHF 15 in each case.
Balances or interest credits of less than CHF 15 will not be transferred.

Age:

For individuals from the age of 12.

Account type:

Online Account

Currency:

CHF

Interest rate:

Up to CHF 25,000: 0.05% per year.
From CHF 25,000: 0% per year.

Withdrawals:

There is no withdrawal limit.

Account opening:

The account opening is free of charge.

Account management:

The account management is free of charge.

Closing of account:

The closing of account is free of charge.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Annual account closure:

The annual account closure is free of charge.

Statements of account:

The monthly statements of account by mail are free of charge.

Incoming payment:

Incoming payment in CHF are free of charge.

Outgoing payment (Switzerland):

Electronic payment orders in CHF are free of charge.

SEPA payment:

Electronic SEPA payment orders in EUR are free of charge.

Non-SEPA payment (abroad):

Non-SEPA payments are not possible.

Direct debit (LSV) Switzerland:

Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.

Standing order Switzerland:

Electronic standing orders in CHF within Switzerland are free charge.

Annual fee debit card:

Debit card: There is no annual fee to pay.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: Purchases in foreign currencies are free of charge.

Cash withdrawal Switzerland:

Debit card:
Cash withdrawals in CHF at ATMs of the same bank in Switzerland are free of charge.
For cash withdrawals in CHF at ATMs of other banks in Switzerland, there is a fee of CHF 2.00 per withdrawal.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.

Special services:

Visa Debit, Mobile banking