Zak by Bank Cler review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zak by Bank Cler is a debit card with a monthly fee of CHF 0, aimed at people who want a plain card for travel and little else. It suits everyday spending in Swiss francs rather than anyone shopping for crypto features or a long fee schedule.
Pros and cons
Pros
- A monthly fee of CHF 0 on the card.
- It is a debit card on the visa network, the pairing most of this category shares (74.7%).
- The card is aimed at travel, so trips abroad are the use case it serves.
- It has been running since 2018.
Cons
- The overall score is 6, so a CHF 0 monthly fee does not tell the whole story.
- The feature list reads travel alone, which makes the card narrow in purpose.
- As a debit card on visa, it spends your bank balance rather than holding crypto on the card.
Who it suits
- Travellers who mainly need a debit card for travel and pay nothing to keep it.
- People who spend in Swiss francs and want the card and the fee in the same currency.
- Readers weighing the cost axis first, since the fee matches the site median of €0.
Who should look elsewhere
- Wise, if the fee is your only filter: its monthly fee is £0, the same as Zak's.
- Bitpanda, if euro billing fits you better: its monthly fee is €0.
- Monzo Flex, if pound spending is your norm: its monthly fee is £0.
How Zak by Bank Cler compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Its monthly fee is €0 in euro, which suits euro billing better.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where Zak by Bank Cler is available
- Available
- Switzerland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Zak cost each month?+
The monthly fee is CHF 0, priced in Swiss francs. Zak ranks 1 of 379 brands on that measure, level with the site median of €0. There is no tier above it to weigh up.
Is Zak a debit or prepaid card?+
It is a debit card running on the visa network. Debit is also the most common card type in this ranking, at 74.7% of the cards compared, with 57.4% of the category on Visa.
What is the Zak card built for?+
Zak is built around one purpose: the only feature listed is travel. The card is a debit card, so the account is a simple spending tool rather than a place to hold digital assets. That keeps the feature list short and the pricing easy to read.
How does Zak compare with Monzo Flex, Wise and Bitpanda?+
All three are free of a monthly charge: £0 for Monzo Flex, £0 for Wise and €0 for Bitpanda, next to CHF 0 for Zak. The real difference is the currency each fee is priced in, so pick the one your spending is billed in.
How long has Zak been around?+
Zak has been running since 2018, so the product is well past its launch. Bank Cler is the name behind it, and the card is a debit account on the visa network with a CHF 0 monthly fee.
Where does the fee sit against other cards?+
Zak's fee of CHF 0 matches the site median of €0, while the top of that range runs to €99 and the category high is €148.23. Being free to hold helps, but plenty of cards here are.
How is Zak rated here?+
The overall score is 6, with cost at 6. A free monthly fee carries a lot of that weight, so read the cost part alongside the purpose the card serves, which here is travel.
Sources
- cler.ch/de/info/zak checked September 26, 2026
Backs: Features, Founded
“Bezahle weltweit guenstig online und in Geschaeften - Zak Visa Debit”
- cler.ch/de/info/zak/preis checked September 26, 2026
Backs: Card type, Monthly fee, Card network
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.