{"id":14861,"date":"2025-01-10T17:11:02","date_gmt":"2025-01-10T16:11:02","guid":{"rendered":"https:\/\/heyneo.ch\/banques-en-ligne\/zak-bank-test-2024\/"},"modified":"2026-03-05T16:18:25","modified_gmt":"2026-03-05T15:18:25","slug":"zak-bewertung","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/de\/service\/zak-bewertung\/","title":{"rendered":"Zak Bank \u2013 Bewertung, Test und vollst\u00e4ndige \u00dcberpr\u00fcfung (Mai 2026) + 25 CHF erhalten"},"content":{"rendered":"<style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#F4B6D9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(--wp--preset--color--secondary,var(--rehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Das Angebot der ZAK Bank\"><a class=\"gs-scrollto\" href=\"#1-offre-zak-banque\">Das Angebot von ZAK Bank<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Sicherheit: Zak's Garantien\"><a class=\"gs-scrollto\" href=\"#2-securite-zak\">Sicherheit: Zak&#8217;s Garantien<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Er\u00f6ffnung eines Kontos bei ZAK\"><a class=\"gs-scrollto\" href=\"#3-ouverture-de-compte-zak\">Die Er\u00f6ffnung eines Kontos bei ZAK<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Zak Bankkarte\"><a class=\"gs-scrollto\" href=\"#4-carte-bancaire-zak\">Die Zak Bankkarte<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">5<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Funktionen der ZAK-Anwendung\"><a class=\"gs-scrollto\" href=\"#5-fonctionnalites-application-zak\">Die Funktionen der ZAK-Anwendung<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">6<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Zak S\u00e4ule 3a\"><a class=\"gs-scrollto\" href=\"#6-zak-3a\">Zak S\u00e4ule 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Zinss\u00e4tze f\u00fcr das Zak-Konto\"><a class=\"gs-scrollto\" href=\"#7-taux-interets-compte-zak\">Zinss\u00e4tze des Zak-Kontos<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">8<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Schnelle \u00dcberweisungen mit Zak\"><a class=\"gs-scrollto\" href=\"#8-rapidite-virements-zak\">Schnelle \u00dcberweisungen mit Zak<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"TWINT mit Zak\"><a class=\"gs-scrollto\" href=\"#9-twint-zak\">TWINT mit Zak<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">10<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Geb\u00fchren der ZAK Bank\"><a class=\"gs-scrollto\" href=\"#10-frais-zak-banque\">Die Geb\u00fchren der Zak Bank<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Sollte man Zak Plus w\u00e4hlen?\"><a class=\"gs-scrollto\" href=\"#11-zak-plus\">Lohnt sich Zak Plus?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">12<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Zak auf Reisen\"><a class=\"gs-scrollto\" href=\"#12-zak-en-voyage\">Zak auf Reisen<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">13<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Einzahlung von Bargeld\"><a class=\"gs-scrollto\" href=\"#13-depot-argent-liquide\">Bargeld einzahlen<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">14<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Kundenservice\"><a class=\"gs-scrollto\" href=\"#14-service-client-zak\">Der Kundenservice<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">15<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Cashback im Angebot von Zak\"><a class=\"gs-scrollto\" href=\"#15-cashback-zak\">Cashback im Zak-Angebot<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">16<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"W\u00e4hlen Sie das Konto Zak\"><a class=\"gs-scrollto\" href=\"#16-choisir-le-compte-zak\">Das Zak-Konto w\u00e4hlen<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">17<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Zak VS. Yuh\"><a class=\"gs-scrollto\" href=\"#17-zak-vs-yuh\">Zak VS. Yuh<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">18<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Zak VS. Neon\"><a class=\"gs-scrollto\" href=\"#18-zak-vs-neon\">Zak VS. Neon<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">19<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Was halten Sie von Zak?\"><a class=\"gs-scrollto\" href=\"#que-pensez-vous-de-zak\">Was halten Sie von Zak?<\/a><\/span><\/div><\/div><\/div>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns are-vertically-aligned-top has-medium-font-size is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top has-black-color has-text-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"background-color:#00d18408;padding-top:20px;padding-bottom:20px\"><style>.gspb_text-id-gsbp-0c634146-82ff{font-size:20px;}.gspb_text-id-gsbp-0c634146-82ff,.gspb_text-id-gsbp-0c634146-82ff .gsap-g-line{text-align:center!important;}.gspb_text-id-gsbp-0c634146-82ff{font-weight:bold!important;}.gspb_text-id-gsbp-0c634146-82ff{color:var(--wp--preset--color--vivid-green,#00d084);}.gspb_text-id-gsbp-0c634146-82ff{margin-bottom:0px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-0c634146-82ff\" class=\"gspb_text gspb_text-id-gsbp-0c634146-82ff \">St\u00e4rken<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item__text{margin-left:15px;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item{display:flex;flex-direction:row;align-items:center;position:relative;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item svg path{fill:#2184f9 !important}body #gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item svg,body #gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item img{margin-top:0px!important;margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList .gspb_iconsList__item{font-size:17px;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList{padding-left:20px;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='0'] svg,#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='0'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='0'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='1'] svg,#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='1'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='1'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='2'] svg,#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='2'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='2'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='3'] svg,#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='3'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='3'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='4'] svg,#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='4'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-84701208-1e94.gspb_iconsList [data-id='4'] svg{margin:0px !important;}<\/style>\n<div class=\"wp-block-greenshift-blocks-iconlist gspb_iconsList gspb_iconsList-id-gsbp-84701208-1e94\" id=\"gspb_iconsList-id-gsbp-84701208-1e94\"><div class=\"gspb_iconsList__item\" data-id=\"0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Das kostenlose Konto in der Schweiz<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Kostenlose Bargeldeinzahlung<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Einrichtung gemeinsamer T\u00f6pfe<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Das Netzwerk f\u00fcr Bargeldabhebungen<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"4\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M871.696 166.932l-526.088 526.088-193.304-193.304c-9.372-9.372-24.568-9.372-33.942 0l-56.568 56.568c-9.372 9.372-9.372 24.568 0 33.942l266.842 266.842c9.372 9.372 24.568 9.372 33.942 0l599.626-599.626c9.372-9.372 9.372-24.568 0-33.942l-56.568-56.568c-9.372-9.372-24.568-9.372-33.94 0z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Integriertes Investieren (Zak Invest)<\/span><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"background-color:#f041580f;padding-top:20px;padding-bottom:20px\"><style>.gspb_text-id-gsbp-687dee4b-237b{font-size:20px;}.gspb_text-id-gsbp-687dee4b-237b,.gspb_text-id-gsbp-687dee4b-237b .gsap-g-line{text-align:center!important;}.gspb_text-id-gsbp-687dee4b-237b{font-weight:bold!important;}.gspb_text-id-gsbp-687dee4b-237b{color:var(--wp--preset--color--red-bright,#f04057);}.gspb_text-id-gsbp-687dee4b-237b{margin-top:0px!important;margin-bottom:0px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-687dee4b-237b\" class=\"gspb_text gspb_text-id-gsbp-687dee4b-237b \">Schw\u00e4chen<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item__text{margin-left:15px;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item{display:flex;flex-direction:row;align-items:center;position:relative;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item svg path{fill:#2184f9 !important}body #gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item svg,body #gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item img{margin-top:0px!important;margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList .gspb_iconsList__item{font-size:17px;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList{margin-left:0px;padding-bottom:0px;padding-left:20px;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='0'] svg,#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='0'] svg path{fill:var(--wp--preset--color--red-bright,#f04057) !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='0'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='1'] svg,#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='1'] svg path{fill:var(--wp--preset--color--red-bright,#f04057) !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='1'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='2'] svg,#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='2'] svg path{fill:var(--wp--preset--color--red-bright,#f04057) !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='2'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='3'] svg,#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='3'] svg path{fill:var(--wp--preset--color--red-bright,#f04057) !important;}#gspb_iconsList-id-gsbp-98bb2597-2368.gspb_iconsList [data-id='3'] svg{margin:0px !important;}<\/style>\n<div class=\"wp-block-greenshift-blocks-iconlist gspb_iconsList gspb_iconsList-id-gsbp-98bb2597-2368\" id=\"gspb_iconsList-id-gsbp-98bb2597-2368\"><div class=\"gspb_iconsList__item\" data-id=\"0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496zM755.2 642.2c9.4 9.4 9.4 24.6 0 34l-79.2 79c-9.4 9.4-24.6 9.4-34 0l-130-131.2-130.2 131.2c-9.4 9.4-24.6 9.4-34 0l-79-79.2c-9.4-9.4-9.4-24.6 0-34l131.2-130-131.2-130.2c-9.4-9.4-9.4-24.6 0-34l79.2-79.2c9.4-9.4 24.6-9.4 34 0l130 131.4 130.2-131.2c9.4-9.4 24.6-9.4 34 0l79.2 79.2c9.4 9.4 9.4 24.6 0 34l-131.4 130 131.2 130.2z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Nicht verf\u00fcgbar auf Englisch<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496zM755.2 642.2c9.4 9.4 9.4 24.6 0 34l-79.2 79c-9.4 9.4-24.6 9.4-34 0l-130-131.2-130.2 131.2c-9.4 9.4-24.6 9.4-34 0l-79-79.2c-9.4-9.4-9.4-24.6 0-34l131.2-130-131.2-130.2c-9.4-9.4-9.4-24.6 0-34l79.2-79.2c9.4-9.4 24.6-9.4 34 0l130 131.4 130.2-131.2c9.4-9.4 24.6-9.4 34 0l79.2 79.2c9.4 9.4 9.4 24.6 0 34l-131.4 130 131.2 130.2z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Kartenverwaltung mit anderer App.<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496zM755.2 642.2c9.4 9.4 9.4 24.6 0 34l-79.2 79c-9.4 9.4-24.6 9.4-34 0l-130-131.2-130.2 131.2c-9.4 9.4-24.6 9.4-34 0l-79-79.2c-9.4-9.4-9.4-24.6 0-34l131.2-130-131.2-130.2c-9.4-9.4-9.4-24.6 0-34l79.2-79.2c9.4-9.4 24.6-9.4 34 0l130 131.4 130.2-131.2c9.4-9.4 24.6-9.4 34 0l79.2 79.2c9.4 9.4 9.4 24.6 0 34l-131.4 130 131.2 130.2z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Wenig geeignet f\u00fcr Reisen<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496zM755.2 642.2c9.4 9.4 9.4 24.6 0 34l-79.2 79c-9.4 9.4-24.6 9.4-34 0l-130-131.2-130.2 131.2c-9.4 9.4-24.6 9.4-34 0l-79-79.2c-9.4-9.4-9.4-24.6 0-34l131.2-130-131.2-130.2c-9.4-9.4-9.4-24.6 0-34l79.2-79.2c9.4-9.4 24.6-9.4 34 0l130 131.4 130.2-131.2c9.4-9.4 24.6-9.4 34 0l79.2 79.2c9.4 9.4 9.4 24.6 0 34l-131.4 130 131.2 130.2z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Zahlungen au\u00dferhalb des SEPA sind nicht m\u00f6glich<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Update \u2013 24.02.2026:<\/em> Integrierte Investmentl\u00f6sungen via Zak Invest]<br\/>[<em>Update \u2013 07.02.2026:<\/em> Zak Promocode]<br\/>[<em>Update \u2013 03.02.2026: Entfernung des Vergleichs Zak VS Radicant nach Schlie\u00dfung von Radicant<\/em>]<br\/>[<em>Update \u2013 10.11.2025: Vorstellung des Zak 3a Angebots<\/em>]<\/p>\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-offre-zak-banque\">\t\t<h2 class=\"mt0 mb0\">Zusammenfassung des Angebots Zak Bank<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Das Angebot der ZAK Bank<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-f0677e1 svg,#gspb_infoBox-id-gsbp-f0677e1 svg path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-f0677e1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-f0677e1 svg:hover,#gspb_infoBox-id-gsbp-f0677e1 svg:hover path{fill:#794fee !important;}#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-style:solid;border-color:#794eed0d;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-style:null;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-style:null;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-style:solid;border-color:#794eed21;}}#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-left-style:none;border-left-width:nullpx;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-left-style:null;border-left-width:nullpx;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{border-left-style:solid;border-left-width:10px;border-left-color:#794eedf0;}}#gspb_infoBox-id-gsbp-f0677e1 .gs-box{background-color:#8254ff38;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{background-color:#8254ff38;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{background-color:#8254ff38;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-f0677e1 .gs-box{background-color:#8254ff38;}}#gspb_infoBox-id-gsbp-f0677e1 .gs-box{color:#794fee}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-f0677e1\" id=\"gspb_infoBox-id-gsbp-f0677e1\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M432 47.72c0-47.6-61.3-65.54-88.3-26.080-247.7 362.060 104.3 378.36 104.3 554.36 0 71.26-58.22 128.92-129.7 127.98-70.34-0.9-126.3-59.54-126.3-129.88v-171.020c0-43.4-52.94-64.46-82.86-33-53.54 56.24-109.14 152.58-109.14 269.92 0 211.74 172.26 384 384 384s384-172.26 384-384c0-340.58-336-386-336-592.28z\"><\/path><\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-d78ee73{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-d78ee73.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-d78ee73.gspb_container{position:relative;}#gspb_container-id-gsbp-d78ee73.gspb_container{margin-top:-30px;margin-bottom:0px;margin-left:50px;}#gspb_container-id-gsbp-d78ee73.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-d78ee73\" id=\"gspb_container-id-gsbp-d78ee73\">\n<p class=\"has-text-align-left\">&#8211; Bewertung konzentriert sich auf die Bankdienstleistungen von Zak.<br\/>&#8211; <a href=\"https:\/\/heyneo.ch\/de\/bankenvergleich\/beste-online-banken-schweiz\/\" type=\"post\" id=\"3912\">Vergleiche alle Online-Banken in der Schweiz<\/a> gleichzeitig.<\/p>\n<\/div>\n<\/div><\/div><\/div>\n\n<p>ZAK ist die erste rein mobile Bank, die in der Schweiz erschienen ist (2018). Sie bietet Funktionen zur Planung des Budgets (allein oder mit mehreren Personen) in Echtzeit. Zak basiert auf der Cler Bank f\u00fcr Finanzdienstleistungen.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"zak-free-le-compte-et-la-carte\">Zak Free &#8211; das Konto und die Karte \ud83d\udcb3<\/h3>\n\n<p>0 CHF\/Monat<\/p>\n<style>#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item__text{margin-left:15px;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item{display:flex;flex-direction:row;align-items:center;position:relative;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item svg path{fill:#2184f9 !important}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item img{width:15px !important;height:15px !important;min-width:15px}body #gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item svg,body #gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item img{margin-top:0px!important;margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList .gspb_iconsList__item{margin-bottom:20px;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='0'] svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='0'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='0'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='1'] svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='1'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='1'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='2'] svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='2'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='2'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='3'] svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='3'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='3'] svg{margin:0px !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='4'] svg,#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='4'] svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_iconsList-id-gsbp-780f3552-1754.gspb_iconsList [data-id='4'] svg{margin:0px !important;}<\/style>\n<div class=\"wp-block-greenshift-blocks-iconlist gspb_iconsList gspb_iconsList-id-gsbp-780f3552-1754\" id=\"gspb_iconsList-id-gsbp-780f3552-1754\"><div class=\"gspb_iconsList__item\" data-id=\"0\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 896 1024\"><path style=\"fill:#565D66\" d=\"M848.8 429.4l-704-416.2c-57.2-33.8-144.8-1-144.8 82.6v832.2c0 75 81.4 120.2 144.8 82.6l704-416c62.8-37 63-128.2 0-165.2zM96 907v-790c0-9.2 10.2-15 18.2-10.4l668.4 395c7.8 4.6 7.8 16 0 20.6l-668.4 395.2c-8 4.6-18.2-1.2-18.2-10.4z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\"><strong>kostenloses Bankkonto<\/strong> in der Schweiz<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 896 1024\"><path style=\"fill:#565D66\" d=\"M848.8 429.4l-704-416.2c-57.2-33.8-144.8-1-144.8 82.6v832.2c0 75 81.4 120.2 144.8 82.6l704-416c62.8-37 63-128.2 0-165.2zM96 907v-790c0-9.2 10.2-15 18.2-10.4l668.4 395c7.8 4.6 7.8 16 0 20.6l-668.4 395.2c-8 4.6-18.2-1.2-18.2-10.4z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">kostenlose <strong>Visa<\/strong> Debit <strong>Karte<\/strong> <\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 896 1024\"><path style=\"fill:#565D66\" d=\"M848.8 429.4l-704-416.2c-57.2-33.8-144.8-1-144.8 82.6v832.2c0 75 81.4 120.2 144.8 82.6l704-416c62.8-37 63-128.2 0-165.2zM96 907v-790c0-9.2 10.2-15 18.2-10.4l668.4 395c7.8 4.6 7.8 16 0 20.6l-668.4 395.2c-8 4.6-18.2-1.2-18.2-10.4z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\"><strong>Kostenlose Zahlungen<\/strong> (ohne Aufschlag auf den Wechselkurs)<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 896 1024\"><path style=\"fill:#565D66\" d=\"M848.8 429.4l-704-416.2c-57.2-33.8-144.8-1-144.8 82.6v832.2c0 75 81.4 120.2 144.8 82.6l704-416c62.8-37 63-128.2 0-165.2zM96 907v-790c0-9.2 10.2-15 18.2-10.4l668.4 395c7.8 4.6 7.8 16 0 20.6l-668.4 395.2c-8 4.6-18.2-1.2-18.2-10.4z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\">Kostenlose <strong>Schweizer IBAN<\/strong> <\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"4\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"18\" height=\"18\" viewbox=\"0 0 896 1024\"><path style=\"fill:#565D66\" d=\"M848.8 429.4l-704-416.2c-57.2-33.8-144.8-1-144.8 82.6v832.2c0 75 81.4 120.2 144.8 82.6l704-416c62.8-37 63-128.2 0-165.2zM96 907v-790c0-9.2 10.2-15 18.2-10.4l668.4 395c7.8 4.6 7.8 16 0 20.6l-668.4 395.2c-8 4.6-18.2-1.2-18.2-10.4z\"><\/path><\/svg><span class=\"gspb_iconsList__item__text\"><strong>S\u00e4ule 3a<\/strong> und verzinstes <strong>Sparkonto<\/strong> inbegriffen<\/span><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"zak-plus-l-offre-premium\">Zak Plus &#8211; das Premium-Angebot<\/h3>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>8 CHF\/Monat<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Kostenlose Bargeldabhebungen in der ganzen Welt<\/li>\n\n\n\n<li>Priorit\u00e4re Unterst\u00fctzung<\/li>\n\n\n\n<li>Kohlenstoffausgleich<\/li>\n\n\n\n<li>Abschaffung der Geb\u00fchren f\u00fcr Zahlungen im Ausland<\/li>\n\n\n\n<li>Kostenloser Kaffee in den Filialen der Bank Cler (ja ja \u2615\ufe0f)<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-securite-zak\">\t\t<h2 class=\"mt0 mb0\">Sicherheit: Ist Zak sicher?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sicherheit: Zak&#8217;s Garantien<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1747838874693\"><strong class=\"schema-faq-question\">Ist Zak eine Bank?<\/strong> <p class=\"schema-faq-answer\">Die Bankdienstleistungen werden von der Bank Clerc AG in Basel erbracht, die <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">von der FINMA zugelassen<\/a> ist.<br\/>Die Schweizer Einlagensicherung deckt im Falle eines Konkurses bis zu CHF 100.000.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747838937620\"><strong class=\"schema-faq-question\">Ist Zak sicher?<\/strong> <p class=\"schema-faq-answer\">Die Daten der Nutzer von Zak Bank werden in der Schweiz gespeichert.<br\/>Es gibt eine Zwei-Faktor-Authentifizierung (2FA) f\u00fcr den Zugang zum Konto.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-ouverture-de-compte-zak\">\t\t<h2 class=\"mt0 mb0\">Er\u00f6ffnen Sie ein Zak-Konto &#8211; Erhalten Sie 25 CHF<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Er\u00f6ffnung eines Kontos bei ZAK<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Zak ist in Deutsch, Franz\u00f6sisch und Italienisch verf\u00fcgbar.<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1748377576111\"><strong class=\"schema-faq-question\">Wer kann ein Konto bei der Zak Bank er\u00f6ffnen?<\/strong> <p class=\"schema-faq-answer\">&#8211; Mindestens 15 Jahre alt (YUH 14 Jahre, Neon 16 Jahre)<br\/>&#8211; Wohnsitz in der Schweiz (siehe <a href=\"https:\/\/heyneo.ch\/de\/nachrichten\/schweizer-bankkonto-auslaender\/\" type=\"post\" id=\"19141\">Banken f\u00fcr Nicht-Residenten<\/a> und <a href=\"https:\/\/heyneo.ch\/de\/nachrichten\/grenzgaenger-banken-vergleich\/\" type=\"post\" id=\"7920\">Schweizer Grenzg\u00e4nger<\/a>).<br\/>&#8211; Besitz eines iOS- oder Android-Smartphones<br\/>&#8211; Kein Einkommensnachweis oder Mindestguthaben erforderlich.<\/p> <\/div> <\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"guide-pour-ouvrir-un-compte-yuh-etape-par-etape\">Schritt-f\u00fcr-Schritt-Anleitung zur Er\u00f6ffnung eines YUH-Kontos<\/h3>\n<style>.gspb_container-id-gsbp-e3c49d2{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-e3c49d2.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-e3c49d2.gspb_container{position:relative;}#gspb_container-id-gsbp-e3c49d2.gspb_container{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#gspb_container-id-gsbp-e3c49d2.gspb_container{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_container-id-gsbp-e3c49d2.gspb_container{border-style:solid;border-width:2px;border-color:var(--wp--preset--color--main,var(--rehub-main-color));}#gspb_container-id-gsbp-e3c49d2.gspb_container > .gspb_backgroundOverlay{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_container-id-gsbp-e3c49d2.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-e3c49d2\" id=\"gspb_container-id-gsbp-e3c49d2\"><style>.gs-toggler-open{height:auto !important}.gs-toggler-open .gs-tgl-show,.gs-toggler-open .gs-tgl-grad{display:none !important}.gs-toggler-open .gs-tgl-hide{display:block !important}.gs-tgl-show,.gs-tgl-hide{cursor:pointer}.gs-contenttoggler *{box-sizing:border-box !important}.gs-toggler-wrapper{overflow:hidden;transition:all 0.5s ease;padding-bottom:35px;margin-bottom:30px;box-sizing:content-box !important;position:relative;}.gs-toggler-wrapper p:last-of-type{margin-bottom:0;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toggler gs-contenttoggler gspb_toggle-id-gsbp-e835223\" data-height=\"1600px\"><div class=\"gs-toggler-wrapper\" id=\"gs-togglergsbp-e835223\" style=\"height:1600px\">\n<h4 class=\"wp-block-heading\" id=\"telechargez-l-application-zak\"><strong>Laden Sie die ZAK-Anwendung herunter<\/strong><\/h4>\n\n\n\n<p>im<a href=\"https:\/\/apps.apple.com\/ch\/app\/zak-banque-cler\/id1290157822?l=fr-FR\" target=\"_blank\" rel=\"noreferrer noopener\">App Store<\/a> \/ <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.bankcler.zak&amp;hl=fr&amp;gl=US\" target=\"_blank\" rel=\"noreferrer noopener\">Google Play Store<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"creez-un-nouveau-compte\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\"><strong>Erstellen Sie ein neues Konto<\/strong><\/mark><\/h4>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-5992\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-1.jpeg\" alt=\"\"\/><br\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"creez-un-mot-de-passe\">Erstellen Sie ein Passwort<\/h4>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-5994\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-3.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"confirmez-votre-pays-de-residence\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Best\u00e4tigen Sie Ihr Wohnsitzland<\/mark><\/mark><\/h4>\n\n\n\n<p>und geben Sie einige zus\u00e4tzliche Informationen:<\/p>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-5995\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-4.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"verifiez-votre-identite-1\"><br\/><strong>\u00dcberpr\u00fcfen Sie Ihre Identit\u00e4t<\/strong><\/h4>\n\n\n\n<p>Der gesamte Prozess wird von Swisscom verwaltet. Zuerst wird der Ausweis gescannt: <br\/><img decoding=\"async\" class=\"wp-image-5997\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-6-scaled.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<p>Dann die Videoidentifizierung:<br\/><img decoding=\"async\" class=\"wp-image-5998\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-7-scaled.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"verifiez-votre-adresse-de-residence\"><br\/><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">\u00dcberpr\u00fcfen Sie Ihre Wohnadresse<\/mark><\/strong><\/h4>\n\n\n\n<p>Zak verlangt einen Nachweis des Wohnsitzes. Gl\u00fccklicherweise ist die Auswahl recht gro\u00df: <br\/><br\/><img decoding=\"async\" class=\"wp-image-6006\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-scaled.jpeg\" alt=\"\"\/><br\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"choisissez-l-offre-zak-ou-zak-plus\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">W\u00e4hlen Sie das Angebot Zak oder Zak Plus.<\/mark><\/strong><\/h4>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-5999\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-8-scaled.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"signez-votre-contrat-numeriquement\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Unterzeichnen Sie Ihren Vertrag digital<\/mark> <\/strong><\/h4>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-6000\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-9-scaled.jpeg\" alt=\"\"\/><br\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"faites-un-premier-versement-pour-activer-votre-compte\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Machen Sie eine erste Einzahlung, um Ihr Konto zu aktivieren<\/mark><\/strong><\/h4>\n\n\n\n<p>Um Ihr Konto zu aktivieren, m\u00fcssen Sie eine erste Einzahlung leisten. Das Konto wird innerhalb von 2-3 Tagen aktiviert: <\/p>\n\n\n<style>#gspb_row-id-gsbp-a4270fc{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-a4270fc > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-a4270fc > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-a4270fc\" id=\"gspb_row-id-gsbp-a4270fc\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-6d5a8f9.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-6d5a8f9.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-6d5a8f9\" id=\"gspb_col-id-gsbp-6d5a8f9\">\n<p><img decoding=\"async\" class=\"wp-image-6009\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-versement-scaled.jpeg\" alt=\"\"\/><\/p>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-6ea7223.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-6ea7223.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-6ea7223\" id=\"gspb_col-id-gsbp-6ea7223\">\n<p><img decoding=\"async\" class=\"wp-image-6003\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-12-scaled.jpeg\" alt=\"\"\/><\/p>\n<\/div>\n <\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Geben Sie Ihren Code ein \ud83d\udc47<\/mark><\/strong><\/p>\n\n\n\n<p><strong>Erhalten Sie 25 CHF <\/strong>: Gehen Sie zu &#8220;Einstellungen&#8221;, dann &#8220;Code eingeben&#8221; und geben Sie den Code ein. <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>.<br\/><br\/>Sie k\u00f6nnen dies 24 Stunden nach der SMS mit der Best\u00e4tigung der Kontoaktivierung tun und Sie haben bis zu 30 Tage Zeit.<\/p>\n\n\n<style>#gspb_row-id-gsbp-a3a62df{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-a3a62df > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-a3a62df > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-a3a62df\" id=\"gspb_row-id-gsbp-a3a62df\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-71c5191.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-71c5191.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-71c5191\" id=\"gspb_col-id-gsbp-71c5191\">\n<p><img decoding=\"async\" class=\"wp-image-6034\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/zak-banque-code-promo-1-1-scaled.jpeg\" alt=\"\"\/><\/p>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-34f6371.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-34f6371.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-34f6371\" id=\"gspb_col-id-gsbp-34f6371\">\n<p><img decoding=\"async\" class=\"wp-image-6031\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/zak-banque-code-promo-2-scaled.jpeg\" alt=\"\"\/><\/p>\n<\/div>\n <\/div><\/div>\n\n\n\n<p>Sie erhalten Ihr Geld praktisch \u00fcber Nacht.<\/p>\n<span class=\"gs-tgl-trigger\" style=\"text-align:center;position:absolute;z-index:2;bottom:0;left:0;width:100%;color:\"><span class=\"gs-tgl-show\" tabindex=\"0\" role=\"button\" aria-label=\"Voir plus +\" aria-controls=\"gs-togglergsbp-e835223\" style=\"display:block\">Voir plus +<\/span><span class=\"gs-tgl-hide\" tabindex=\"0\" role=\"button\" aria-label=\"Voir moins -\" aria-controls=\"gs-togglergsbp-e835223\" style=\"display:none\">Voir moins &#8211;<\/span><\/span><span class=\"gs-tgl-grad\" style=\"background-image:linear-gradient(to bottom,rgba(255,255,255,0) 0,#ffffff 100%);display:block;position:absolute;height:100px;bottom:0;left:0;z-index:1;width:100%\"><\/span><\/div><\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gspb_container-id-gsbp-1127c6e6-0f82{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-1127c6e6-0f82.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-1127c6e6-0f82.gspb_container{position:relative;}#gspb_container-id-gsbp-1127c6e6-0f82.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-1127c6e6-0f82\" id=\"gspb_container-id-gsbp-1127c6e6-0f82\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-carte-bancaire-zak\">\t\t<h2 class=\"mt0 mb0\">Die Zak Bankkarte<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Zak Bankkarte<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0\">\n<p><strong>Man erh\u00e4lt zun\u00e4chst seine Karte<\/strong>. Der PIN-Code ist nicht sofort in der App verf\u00fcgbar. <\/p>\n\n\n<style>#gspb_image-id-gsbp-3fc3f771-c30a img{vertical-align:top;}#gspb_image-id-gsbp-3fc3f771-c30a img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-3fc3f771-c30a\" id=\"gspb_image-id-gsbp-3fc3f771-c30a\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/20230811_171918-1-scaled.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1440\" height=\"2560\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Die <strong>PIN <\/strong>wird separat gesendet.<\/p>\n\n\n<style>#gspb_image-id-gsbp-59f63b2e-3d4c img{vertical-align:top;}#gspb_image-id-gsbp-59f63b2e-3d4c img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-59f63b2e-3d4c\" id=\"gspb_image-id-gsbp-59f63b2e-3d4c\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/20230817_151503-1-scaled.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1440\" height=\"2560\"><\/div>\n<\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\ud83d\udcb3 <span style=\"color: #000000;\"><strong>Die Zak Visa Debit Karte<\/strong> in K\u00fcrze :<\/span><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Kontaktloses Bezahlen ohne Code bis zu einem Betrag von 80 CHF pro Einkauf. Bei h\u00f6heren Betr\u00e4gen ist ein Code erforderlich.   <\/li>\n\n\n\n<li>Sie funktioniert mit Apple Pay \/ Google Pay \/ Samsung Pay.<\/li>\n\n\n\n<li>Push-Benachrichtigungen f\u00fcr Kartenzahlungen.<\/li>\n<\/ul>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-fd146c92-6b98 svg,#gspb_infoBox-id-gsbp-fd146c92-6b98 svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-fd146c92-6b98 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-fd146c92-6b98 svg:hover,#gspb_infoBox-id-gsbp-fd146c92-6b98 svg:hover path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{border-left:0;}#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-fd146c92-6b98 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-fd146c92-6b98\" id=\"gspb_infoBox-id-gsbp-fd146c92-6b98\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u25cf <strong>Um die Kontaktlosigkeit zu aktivieren<\/strong>, muss eine erste Zahlung mit dem Kartencode abgeschlossen werden.<\/p>\n\n\n\n<p>\u25cf Auch wenn die Lieferung der Karte einige Tage dauert, kann man <strong>sie \u00fcber sein Smartphone nutzen<\/strong> oder<strong>die<\/strong> in der App verf\u00fcgbaren<strong>Zahlungsinformationen<\/strong> f\u00fcr Online-Eink\u00e4ufe<strong>verwenden<\/strong>.<\/p>\n<\/div><\/div><\/div>\n\n<p>Man kann seine Karte \u00fcber die App vor\u00fcbergehend sperren, muss aber zum Bancomaten (Geldautomat) gehen, um den PIN-Code zu \u00e4ndern.<br\/><br\/>Das Limit f\u00fcr Bargeldabhebungen ist standardm\u00e4\u00dfig auf CHF 2&#8217;000\/Tag oder 3&#8217;000\/Monat festgelegt, kann aber durch Anruf beim Support ge\u00e4ndert werden. Zahlungen werden vom Hauptkonto auf das Hauptkonto abgebucht (Geld aus den Spaces ist ausgeschlossen). <\/p>\n\n<p>F\u00fcr die Sperrung der Karte wird eine Geb\u00fchr von 50 CHF erhoben, auch im Falle eines Verlustes.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.info_type{color:#155724;background-color:#d4edda;border-color:#c3e6cb}.gs-box.info_type svg{fill:#30a030}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-008a0ce .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-008a0ce svg,#gspb_infoBox-id-gsbp-008a0ce svg path{fill:currentColor !important;}#gspb_infoBox-id-gsbp-008a0ce svg{margin:0px !important;}#gspb_infoBox-id-gsbp-008a0ce svg:hover,#gspb_infoBox-id-gsbp-008a0ce svg:hover path{fill:currentColor !important;}#gspb_infoBox-id-gsbp-008a0ce .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-008a0ce .gs-box{border:0;}#gspb_infoBox-id-gsbp-008a0ce .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-008a0ce .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-008a0ce .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-008a0ce .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-008a0ce .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-008a0ce .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-008a0ce\" id=\"gspb_infoBox-id-gsbp-008a0ce\"><div class=\"gs-box info_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M1024 64h-896c-70.6 0-128 57.4-128 128v640c0 70.6 57.4 128 128 128h896c70.6 0 128-57.4 128-128v-640c0-70.6-57.4-128-128-128zM1088 832c0 35.2-28.8 64-64 64h-896c-35.2 0-64-28.8-64-64v-640c0-35.2 28.8-64 64-64h896c35.2 0 64 28.8 64 64v640zM944 576h-224c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h224c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zM944 448h-224c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h224c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zM944 320h-224c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h224c8.8 0 16-7.2 16-16v-32c0-8.8-7.2-16-16-16zM416 576c88.4 0 160-71.6 160-160s-71.6-160-160-160-160 71.6-160 160 71.6 160 160 160zM416 320c53 0 96 43 96 96s-43 96-96 96-96-43-96-96 43-96 96-96zM509.6 608c-39 0-48.8 14-93.6 14s-54.6-14-93.6-14c-42.4 0-83.6 18.8-107.6 54.8-14.4 21.4-22.8 47.2-22.8 75v46.2c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-46.2c0-14 4.2-27.6 12-39.2 11.2-16.6 31.6-26.4 54.6-26.4 24.8 0 41.6 14 93.6 14 51.8 0 68.6-14 93.6-14 23 0 43.4 10 54.6 26.4 7.8 11.6 12 25.2 12 39.2v46.2c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-46.2c0-27.8-8.4-53.6-22.8-75-24.6-36-65.8-54.8-108-54.8z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p><strong>Kann man ein Auto mieten?<\/strong><br\/><\/p>\n\n\n<style>.gspb_text-id-gsbp-81059ba{margin-left:-40px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-81059ba\" class=\"gspb_text gspb_text-id-gsbp-81059ba \">Obwohl Debitkarten immer h\u00e4ufiger f\u00fcr die Anmietung eines Autos akzeptiert werden, ist es <strong>immer besser, eine <a href=\"https:\/\/heyneo.ch\/de\/nachrichten\/schweizer-kreditkarten-guide-vergleich\/\">Kreditkarte<\/a><\/strong> f\u00fcr die Kaution mitzunehmen.<\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-fonctionnalites-application-zak\">\t\t<h2 class=\"mt0 mb0\">Zak-Anwendung: Die Funktionen<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Funktionen der ZAK-Anwendung<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"l-application-zak-est-riche-est-adaptee-a-toutes-les-situations-en-suisse\"><strong><strong>Die Anwendung Zak ist reich<\/strong><\/strong> <strong>ist f\u00fcr alle <a href=\"https:\/\/heyneo.ch\/de\/nachrichten\/zahlungsmethoden-schweiz\/\">Situationen in der Schweiz<\/a> geeignet<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Verfolgung von Kontobewegungen<\/li>\n\n\n\n<li>Push-Benachrichtigung \u00fcber Bewegungen<\/li>\n\n\n\n<li>eBill \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Dauerauftr\u00e4ge<\/li>\n\n\n\n<li>Twint<\/li>\n\n\n\n<li>Scannen von Einzahlungsscheinen (QR-Rechnungen) \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Umwandlung einer QR-Rechnung in einen Dauerauftrag<\/li>\n\n\n\n<li>Weitergabe von Bankdaten \u00fcber QR<\/li>\n\n\n\n<li>PushTAN-Funktion ersetzt mTAN (sms)<\/li>\n<\/ul>\n\n<p>Die App. erm\u00f6glicht es, Budgets in Gruppen zu verwalten: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>T\u00f6pfe: Verteilung des Budgets auf verschiedene T\u00f6pfe<\/li>\n\n\n\n<li>Gemeinsame T\u00f6pfe: Verwalten Sie die Ausgaben als Gruppe, wissen Sie, wer Geld schuldet und zahlen Sie seine Schulden mit einem Klick zur\u00fcck.<\/li>\n\n\n\n<li>Sofortzahlung &#8220;Zak Illico&#8221; zum sofortigen Senden oder Anfordern von Geld an andere Nutzer aus den eigenen Kontakten.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"et-pour-gerer-la-carte\"><strong>Was ist mit der Verwaltung der Karte?<\/strong><\/h3>\n\n<p>Sie m\u00fcssen eine andere Anwendung verwenden, Viseca One auf <a href=\"https:\/\/apps.apple.com\/ch\/app\/one-karten-unter-kontrolle\/id970439160\">iOS<\/a> und <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.viseca.visecaone&amp;hl=de_CH\">Android<\/a>, um :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Neuen PIN-Code anfordern<\/li>\n\n\n\n<li>Die Karte vor\u00fcbergehend sperren<\/li>\n\n\n\n<li>Aktivierung\/Deaktivierung der Kontaktlosigkeit etc.<\/li>\n\n\n\n<li>Die mit der Karte get\u00e4tigten Ausgaben anzeigen<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Fehlende Funktionen:<\/strong><br\/>\u2718 Die M\u00f6glichkeit, Tages- oder Monatslimits der Karte direkt in der App anzupassen<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"investir-avec-zak-zak-invest\">\ud83d\udcc8 Investieren mit Zak \u2013 Zak Invest<\/h3>\n\n<p>Seit Januar 2026 erm\u00f6glicht Zak das Investieren direkt aus der App \u00fcber <strong>Zak Invest<\/strong> 8.<\/p>\n\n<p>Zugriff auf:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00dcber <strong>12.000 Aktien<\/strong><\/li>\n\n\n\n<li><strong>ETFs<\/strong><\/li>\n\n\n\n<li><strong>Investmentfonds<\/strong><\/li>\n\n\n\n<li>Die wichtigsten weltweiten B\u00f6rsenpl\u00e4tze<\/li>\n<\/ul>\n\n<p>Zak Invest er\u00f6ffnest du direkt \u00fcber den Tab \u201eInvest\u201c in der App.<\/p>\n\n<p id=\"la-structure-des-frais-zak-invest\"><strong>Die Geb\u00fchrenstruktur von Zak Invest<\/strong><\/p>\n\n<p>Die Preisgestaltung ist transparent und wird vor Best\u00e4tigung jeder Order mitgeteilt.<\/p>\n\n<p id=\"actions-etf-six-swiss-exchange\"><strong>Aktien &amp; ETFs \u2013 SIX Swiss Exchange<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,25 % (Minimum: 5 CHF \/ Maximum: 50 CHF)<\/li>\n<\/ul>\n\n<p id=\"actions-etf-autres-places-boursieres\"><strong>Aktien &amp; ETFs \u2013 andere B\u00f6rsenpl\u00e4tze<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50 % (Minimum: 15 CHF \/ Maximum: 300 CHF)<\/li>\n<\/ul>\n\n<p id=\"fonds\"><strong>Fonds<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50 % pro Transaktion (min. 15 CHF)<\/li>\n\n\n\n<li>0,25 % pro Jahr auf das Depot<\/li>\n<\/ul>\n\n<p>Zak zeigt die gesch\u00e4tzten Kosten vor Ausf\u00fchrung klar an, was die \u00dcbersichtlichkeit f\u00fcr Einsteiger verbessert.<\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\">Nutzer von <strong>Zak Plus<\/strong> erhalten <strong>50 % zus\u00e4tzlichen Rabatt auf die Handelsgeb\u00fchren<\/strong>. Das kann das Angebot f\u00fcr aktive Anleger wettbewerbsf\u00e4higer machen. <\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\">Zusammenfassung:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Anzahl Titel<\/td><td>+ 12.000<\/td><\/tr><tr><td>Aktien &amp; ETFs SIX<\/td><td>0,25 % (min 5 CHF)<\/td><\/tr><tr><td>Aktien andere B\u00f6rsen<\/td><td>0,50 %<\/td><\/tr><tr><td>Fonds<\/td><td>0,50 % + 0,25 %\/Jahr<\/td><\/tr><tr><td>Zak Plus Rabatt<\/td><td>-50 % Geb\u00fchren<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-zak-3a\">\t\t<h2 class=\"mt0 mb0\">Zak S\u00e4ule 3a<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak S\u00e4ule 3a<\/div>\t<\/div><\/div>\n<p>Wenn du Zak bereits im Alltag nutzt, stellt sich schnell die Frage: Lohnt sich die Zak S\u00e4ule 3a im Vergleich zu spezialisierten L\u00f6sungen wie VIAC, finpension oder frankly wirklich?<\/p>\n\n<p>Zak bietet eine <strong>direkt in die Banking-App integrierte S\u00e4ule-3a-L\u00f6sung<\/strong> an, die an die Vorsorgestiftung 3. S\u00e4ule der Bank Cler gebunden ist. Du kannst deine S\u00e4ule 3a er\u00f6ffnen und verwalten, ohne die App zu verlassen. <\/p>\n\n<p>Das Angebot basiert auf zwei Ans\u00e4tzen: einem Konto mit Vorzugszins (0,40 % Zinsen pro Jahr) oder einer Wertschriften-Anlagestrategie gem\u00e4ss einem Risikoprofil.<\/p>\n\n<p>Die Er\u00f6ffnung erfolgt komplett \u00fcber die Mobile-App. Anschliessend kannst du Einzahlungen t\u00e4tigen, die Performance verfolgen und die Strategie direkt in der App anpassen. <\/p>\n\n<p>Die Idee ist klar: Wenn du Zak bereits f\u00fcr Zahlungen und dein Privatkonto nutzt, kannst du auch deine S\u00e4ule 3a in derselben App verwalten.<\/p>\n\n<p>Im Vergleich zu spezialisierten S\u00e4ule-3a-Plattformen (wie VIAC, finpension oder frankly) bleibt die Personalisierung jedoch eingeschr\u00e4nkter.<\/p>\n\n<p>Bevor wir die Anlagestrategien pr\u00fcfen, schauen wir uns kurz die Bedingungen der Zak 3a an.<\/p>\n\n<p><strong>Bedingungen<\/strong><\/p>\n\n<p>Die Funktionsweise ist einfach und komplett mobil. Die Er\u00f6ffnung erfolgt direkt in der Zak-App, ganz ohne Papierkram. <\/p>\n\n<p>Hauptbedingungen:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Investieren ab 1 CHF m\u00f6glich<\/li>\n\n\n\n<li>Einmalige oder regelm\u00e4ssige Einzahlungen m\u00f6glich<\/li>\n\n\n\n<li>Klassische S\u00e4ule-3a-Steuervorteile<\/li>\n\n\n\n<li>Nur \u00fcber die Mobile-App verf\u00fcgbar<\/li>\n\n\n\n<li>Nur f\u00fcr in der Schweiz wohnhafte Personen mit AHV-pflichtigem Einkommen<\/li>\n<\/ul>\n\n<p><strong>Anlagestrategien<\/strong><\/p>\n\n<p>Zak bietet zwei verschiedene Ans\u00e4tze:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Konto mit Vorzugszins<\/strong>: Ein Vorsorgekonto mit einem Zinssatz von 0,40 %. Diese L\u00f6sung setzt auf Sicherheit und Stabilit\u00e4t, doch die Rendite bleibt angesichts der Inflation begrenzt. <\/li>\n\n\n\n<li><strong>Wertschriften-Anlage<\/strong>: Das Ersparte kann auch gem\u00e4ss vier Risikoprofilen investiert werden:<\/li>\n<\/ol>\n\n<ul class=\"wp-block-list\">\n<li>Einkommen \u2192 max. 35 % Aktien <\/li>\n\n\n\n<li>Ausgewogen \u2192 max. 60 % Aktien <\/li>\n\n\n\n<li>Wachstum \u2192 max. 85 % Aktien <\/li>\n\n\n\n<li>Aktien \u2192 bis zu 100 % Aktien<\/li>\n<\/ul>\n\n<p>Die Portfolios bestehen aus diversifizierten Fonds mit einem Obligationenanteil f\u00fcr vorsichtigere Profile. Du kannst dein Risikoprofil direkt in der App \u00e4ndern. <\/p>\n\n<p>Allerdings bleibt das Angebot vorkonfiguriert: Es ist nicht m\u00f6glich, Fonds selbst auszuw\u00e4hlen oder ein eigenes Portfolio zusammenzustellen.<\/p>\n\n<p><strong>Kosten<\/strong><\/p>\n\n<p>Zak wendet eine einfache Geb\u00fchrenstruktur an:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Keine Er\u00f6ffnungsgeb\u00fchren<\/li>\n\n\n\n<li>Keine Einzahlungsgeb\u00fchren<\/li>\n<\/ul>\n\n<p>Auf den investierten Teil belaufen sich die Geb\u00fchren auf ca. <strong>1,25 % pro Jahr<\/strong>. Damit ist Zak 3a deutlich teurer als spezialisierte digitale S\u00e4ule-3a-Plattformen wie <strong>VIAC (\u22480,38 %), finpension (\u22480,39 %) oder frankly (\u22480,45 %)<\/strong>. Diese L\u00f6sungen bieten meist eine flexiblere Aufteilung und geringere Kosten.  <\/p>\n\n<p>Die Positionierung ist klar: Eine praktische, integrierte L\u00f6sung, aber nicht darauf optimiert, die Geb\u00fchren maximal zu senken.<\/p>\n\n<p><strong>Zak 3a eignet sich, wenn:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Du Zak bereits nutzt und deine Vorsorge in derselben App zentralisieren willst<\/li>\n\n\n\n<li>Du eine einfache, komplett mobile L\u00f6sung suchst<\/li>\n\n\n\n<li>Du die Wahl zwischen Vorzugszins und Wertschriften-Anlage sch\u00e4tzt<\/li>\n<\/ul>\n\n<p><strong>Sie ist weniger geeignet, wenn:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Du die Geb\u00fchren maximal minimieren willst<\/li>\n\n\n\n<li>Du ETFs oder die Zusammensetzung der Anlage selbst w\u00e4hlen m\u00f6chtest<\/li>\n<\/ul>\n\n<p>In der Praxis fungiert Zak 3a vor allem als einfache Vorsorgel\u00f6sung f\u00fcr App-Nutzer. Die Integration ist nahtlos und die Verwaltung intuitiv, mit der Wahl zwischen einem Konto mit Vorzugszins oder einer Anlagestrategie. <\/p>\n\n<p>Hingegen sind die Geb\u00fchren von rund <strong>1,25 % pro Jahr<\/strong> deutlich h\u00f6her als bei spezialisierten digitalen S\u00e4ule-3a-Plattformen wie <strong>VIAC, finpension oder frankly<\/strong>.<\/p>\n\n<p>Zak 3a bleibt also interessant, um die Vorsorge in derselben App zu b\u00fcndeln, ist aber weniger geeignet, wenn das Ziel eine maximale Kostenoptimierung und Personalisierung ist.<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1772722494874\"><strong class=\"schema-faq-question\"><strong>Kann ich meine Fonds oder ETFs bei Zak 3a selbst w\u00e4hlen?<\/strong><\/strong> <p class=\"schema-faq-answer\">Nein. Bei Zak ist die Aufteilung nach Risikoprofilen (Einkommen, Ausgewogen, Wachstum, Aktien) vorkonfiguriert. Es ist nicht m\u00f6glich, ETFs einzeln auszuw\u00e4hlen oder ein eigenes Portfolio aufzubauen.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722513208\"><strong class=\"schema-faq-question\"><strong>Kann man vom Konto mit Vorzugszins zu einer Anlagestrategie wechseln?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ja. Du kannst den Ansatz direkt in der App \u00e4ndern und von einem Konto mit Vorzugszins (0,40 %) zu einer Wertschriften-Anlagestrategie wechseln und umgekehrt. Beides gleichzeitig in einem Konto zu kombinieren, ist jedoch nicht m\u00f6glich. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722526218\"><strong class=\"schema-faq-question\"><strong>Ist die Zak S\u00e4ule 3a attraktiv?<\/strong><\/strong> <p class=\"schema-faq-answer\">Die Zak S\u00e4ule 3a ist f\u00fcr Nutzer der Zak-App interessant, die ihr Bankkonto und ihre Vorsorge in einer einzigen App zentralisieren m\u00f6chten. Allerdings sind die Geb\u00fchren von rund 1,25 % hoch. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-taux-interets-compte-zak\">\t\t<h2 class=\"mt0 mb0\">Zinss\u00e4tze f\u00fcr das Zak-Konto<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zinss\u00e4tze f\u00fcr das Zak-Konto<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Zak bietet einen Zinssatz von <strong>0,3 % <\/strong>bis zu 100.000 CHF und <strong>0,8 %<\/strong> auf \u201eVorsorge in Zak\u201c (S\u00e4ule 3a), unabh\u00e4ngig vom Betrag.<\/p>\n\n<p>Zak bietet auch ein <a href=\"https:\/\/heyneo.ch\/de\/service\/zak-3a-saule-bewertung\/\" type=\"product\" id=\"24138\">S\u00e4ule 3a Konto<\/a> direkt in der App an. Es erm\u00f6glicht dir, in einen oder mehrere nachhaltige Fonds zu investieren, mit einem anpassbaren Risikoprofil. Die Verwaltung \u00fcbernimmt Swisscanto (Bank Cler), mit Verwaltungsgeb\u00fchren von rund 1,25 % pro Jahr. Du kannst einmalig oder automatisch einzahlen und die Entwicklung deiner 3. S\u00e4ule in Echtzeit verfolgen.   <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-rapidite-virements-zak\">\t\t<h2 class=\"mt0 mb0\">Schnelligkeit von \u00dcberweisungen mit Zak &#8211; Geld senden<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Schnelle \u00dcberweisungen mit Zak<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u25cf Sof <strong>ort\u00fcberweisungen<\/strong> mit &#8220;Zak Illico&#8221; (von Zak-Benutzer zu Zak-Benutzer).<\/p>\n\n<p>\u25cf Eine <strong>IBAN-\u00dcberweisung<\/strong> von Schweiz nach Schweiz oder innerhalb des <a href=\"https:\/\/heyneo.ch\/de\/nachrichten\/sepa-in-der-schweiz\/\">SEPA-Raums<\/a>, die vor 13.00 Uhr get\u00e4tigt wird, kommt am selben Tag an. Wenn sie nach 13.00 Uhr get\u00e4tigt wird, kommt sie am n\u00e4chsten Tag an. <\/p>\n\n<p>\u25cf Eine <strong>\u00dcberweisung ins Ausland<\/strong> (au\u00dferhalb von SEPA) dauert 2 Tage.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-twint-zak\">\t\t<h2 class=\"mt0 mb0\">Zak Twint &#8211; mit TWINT \u00fcberall in der Schweiz bezahlen<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">TWINT mit Zak<\/div>\t<\/div><\/div><style><\/style><style><\/style><style>#gspb_image-id-gsbp-40fe405d-ef13 img{vertical-align:top;}#gspb_image-id-gsbp-40fe405d-ef13 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-40fe405d-ef13{margin-top:20px;margin-bottom:20px;}#gspb_image-id-gsbp-40fe405d-ef13 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-40fe405d-ef13 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-40fe405d-ef13 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-40fe405d-ef13 img{width:auto;}}#gspb_image-id-gsbp-40fe405d-ef13,#gspb_image-id-gsbp-40fe405d-ef13 img{height:50px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-40fe405d-ef13\" id=\"gspb_image-id-gsbp-40fe405d-ef13\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/twint-logo-1-e1697225014530.webp\" data-src=\"\" alt=\"payement avec TWINT\" loading=\"lazy\" width=\"150\" height=\"50\"\/><\/div>\n\n<p>F\u00fcr schnelle Zahlungen zwischen seinen Nutzern bietet ZAK die Illico-Funktion an, aber TWINT ist nicht ohne Grund die Nummer 1 der Zahlungs-Apps in der Schweiz. TWINT erm\u00f6glicht :<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1744806097542\"><strong class=\"schema-faq-question\">Kann ich TWINT mit Zak nutzen?<\/strong> <p class=\"schema-faq-answer\">Ja. Zak hat <strong>seine eigene TWINT-App<\/strong> entwickelt, die Nummer 1 unter den Zahlungs-Apps in der Schweiz. <br\/>Damit k\u00f6nnen Sie:<br\/>&#8211; In Gesch\u00e4ften bezahlen<br\/>&#8211; Geld zwischen Freunden \u00fcberweisen<br\/>&#8211; Eine Rechnung innerhalb einer Gruppe teilen (Restaurant, Ausfl\u00fcge usw.)<br\/>&#8211; An Parkuhren bezahlen<br\/>&#8211; Online und in Bahnh\u00f6fen bezahlen<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744806316921\"><strong class=\"schema-faq-question\">Wie kann ich TWINT mit Zak nutzen?<\/strong> <p class=\"schema-faq-answer\">Um TWINT bei Zak zu nutzen, m\u00fcssen Sie die TWINT-Anwendung der Bank Clerc verwenden, die direkt mit Ihrem Zak-Konto verbunden ist.<br\/><img fetchpriority=\"high\" decoding=\"async\" width=\"256\" height=\"256\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image.png\" class=\"attachment-full size-full\" alt=\"ZAK TWINT BANK CLER\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image.png 256w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-300x300.png 300w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-1024x1024.png 1024w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-150x150.png 150w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-768x768.png 768w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-1536x1536.png 1536w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-2048x2048.png 2048w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-100x100.png 100w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-350x350.png 350w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-788x788.png 788w, https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/01\/image-600x600.png 600w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/><\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">10<\/span>\t<\/div>\t<div id=\"10-frais-zak-banque\">\t\t<h2 class=\"mt0 mb0\">Die Geb\u00fchren der Zak Bank: Karte, Geldwechsel, \u00dcberweisungen, Bargeldabhebungen, etc.<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Geb\u00fchren der ZAK Bank<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u25cf <strong>Bankkonto<\/strong> kostenlos<br\/>\u25cf <strong>IBAN<\/strong> CH kostenlos<br\/>\u25cf Kostenlose Visa Debit <strong>Karte<\/strong>, ausgestellt von Viseca<br\/>\u25cf <strong>Kartensperrung<\/strong>: 50 CHF<br\/>\u25cf<strong>Ersatzkarte<\/strong>: 20 CHF.<\/p>\n\n<p>\u25cf \ud83d\udcb3 <strong>Kartenzahlungen <\/strong>ohne Transaktionsgeb\u00fchren.<br\/><br\/>\u25cf <strong>Wechselkursgeb\u00fchr<\/strong> von 2% zuz\u00fcglich des <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">Visa-Referenzsatzes<\/a>.<\/p>\n\n<p>\u25cf Kostenlose <strong>virtuelle Unterkonten<\/strong> &#8220;Pots&#8221;.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"virements-en-suisse\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><b><strong>\u00dcberweisungen in der Schweiz <\/strong><\/b><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><b>\ud83c\udde8\ud83c\udded<\/b><\/mark><\/mark> \u2794 <strong><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\">\ud83c\udde8\ud83c\udded<\/mark><\/strong><\/h3>\n\n<p>\u25cf IBAN-\u00dcberweisungen in CHF und EUR sind kostenlos.<br\/>\u25cf \u00dcberweisungen <strong>au\u00dferhalb des SEPA-Gebiets<\/strong> sind derzeit <strong>nicht verf\u00fcgbar <\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"virements-internationaux\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><strong>Internationale \u00dcberweisungen <\/strong><\/mark><strong><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><b>\ud83c\udde8\ud83c\udded<\/b><\/mark><\/mark><\/mark><\/strong> \u2794 <strong><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\">\ud83c\udf0d <\/mark><\/strong> <\/h3>\n\n<p>\u00dcberweisungen in Euro und CHF innerhalb der SEPA-Zone sind geb\u00fchrenfrei (ohne Aufschlag auf den Wechselkurs).<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg{margin:0px !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover,#gspb_infoBox-id-gsbp-d0d849bd-4f7b svg:hover path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{border-left:0;}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-d0d849bd-4f7b .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-d0d849bd-4f7b\" id=\"gspb_infoBox-id-gsbp-d0d849bd-4f7b\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 992 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M496 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496zM854.6 336h-134.4c-13.4-73-35-137.6-62.4-189.4 85.8 38 155.4 105.4 196.8 189.4zM496 112c37.2 0 97.2 82.4 126.4 224h-252.8c29.2-141.6 89.2-224 126.4-224zM96 512c0-27.4 2.8-54.2 8-80h155.4c-2 26.2-3.4 52.6-3.4 80s1.4 53.8 3.4 80h-155.4c-5.2-25.8-8-52.6-8-80zM137.4 688h134.4c13.4 73 35 137.6 62.4 189.4-85.8-38-155.4-105.4-196.8-189.4zM271.8 336h-134.4c41.4-84 111-151.4 196.8-189.4-27.4 51.8-49 116.4-62.4 189.4zM496 912c-37.2 0-97.2-82.4-126.4-224h253c-29.4 141.6-89.4 224-126.6 224zM636.2 592h-280.4c-2.2-25.6-3.8-52-3.8-80s1.6-54.4 3.8-80h280.6c2.2 25.6 3.8 52 3.8 80s-1.8 54.4-4 80zM657.8 877.4c27.4-51.8 48.8-116.4 62.4-189.4h134.4c-41.4 84-111 151.4-196.8 189.4zM732.6 592c2-26.2 3.4-52.6 3.4-80s-1.4-53.8-3.4-80h155.4c5.2 25.8 8 52.6 8 80s-2.8 54.2-8 80h-155.4z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Bitte <strong>beachten Sie:<\/strong> Zahlungen au\u00dferhalb der SEPA-Zone und in anderen W\u00e4hrungen als CHF und EUR <strong>sind derzeit nicht m\u00f6glich<\/strong>.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"retraits-d-espece-en-suisse\"><strong><mark class=\"has-inline-color has-secondary-color\" style=\"background-color: rgba(0, 0, 0, 0);\">Bargeldabhebungen in der Schweiz <strong><mark class=\"has-inline-color has-secondary-color\" style=\"background-color: rgba(0, 0, 0, 0);\">\ud83c\udde8\ud83c\udded<\/mark><\/strong><\/mark><\/strong><\/h3>\n\n<p>\u25cf Unbegrenzte Bargeldabhebungen an den Geldautomaten der Bank Cler.<br\/><br\/>\u25cf Parallel dazu kann man mit Zak <strong>kostenlos Bargeld<\/strong> (CHF min. 20.-\/max. 300.-) <a href=\"https:\/\/www.coop.ch\/fr\/informations-supplementaires\/retirerdesespeces.html\">an den Kassierern<\/a> der Coop Superm\u00e4rkte und Coop City Food in der Schweiz <strong>abheben<\/strong> (bedingt durch einen Mindestumsatz von CHF 10.-).<br\/><br\/>Das monatliche Limit f\u00fcr Abhebungen liegt bei 10.000 CHF\/Monat. pro Abhebung, was eine <strong>kostenlose Abhebungsschwelle<\/strong> von 2K\/Monat ergibt. <\/p>\n\n<p><strong>An anderen Bancomaten in der Schweiz :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Abhebungen in CHF: 2 CHF<\/li>\n\n\n\n<li>Abhebungen in EUR: 5 CHF zum Visa Referenzkurs + 2% Aufschlag<\/li>\n\n\n\n<li><strong>Zak Plus<\/strong>: In CHF sind Abhebungen kostenlos, aber in EUR gibt es einen Aufschlag von 2% auf den Visa-Referenzsatz.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"retraits-d-especes-a-l-etranger\"><strong><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\">Bargeldabhebungen im Ausland<\/mark><\/strong> \ud83c\udf0d<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>5 CHF + 2% Aufschlag<\/li>\n\n\n\n<li>Zak Plus: gartuits<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">11<\/span>\t<\/div>\t<div id=\"11-zak-plus\">\t\t<h2 class=\"mt0 mb0\">Zak vs. Zak Plus \u2013 was w\u00e4hlen?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sollte man Zak Plus w\u00e4hlen?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Wir haben die Berechnungen durchgef\u00fchrt. Um ZAK Plus zu rentabilisieren, m\u00fcssen Sie : <\/p>\n\n<p>\u2794 4 Abhebungen in CHF\/Monat au\u00dferhalb der Bancomaten der Bank Cler in der Schweiz.<\/p>\n\n<p>oder<\/p>\n\n<p>\u2794 Einmalige Abhebung von 150 EUR\/Monat au\u00dferhalb der Bancomaten der Bank Cler (in der Schweiz oder im Ausland).<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.blue_type{color:#31708f;background-color:#d9edf7;border-color:#bcdff1}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{margin-right:-5px;margin-left:-5px;padding-right:10px;padding-left:10px;}}#gspb_infoBox-id-gsbp-c12f3d56-b19e svg,#gspb_infoBox-id-gsbp-c12f3d56-b19e svg path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-c12f3d56-b19e svg{margin:0px !important;}#gspb_infoBox-id-gsbp-c12f3d56-b19e svg:hover,#gspb_infoBox-id-gsbp-c12f3d56-b19e svg:hover path{fill:#ffffff !important;}#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{border-left:0;}#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{background-color:var(--wp--preset--color--secondary,var(--rehub-sec-color));}}#gspb_infoBox-id-gsbp-c12f3d56-b19e .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-c12f3d56-b19e\" id=\"gspb_infoBox-id-gsbp-c12f3d56-b19e\"><div class=\"gs-box blue_type \"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 1152 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M576 288c-22.421 0.361-43.864 3.991-64.051 10.433l1.571-0.433c8.982 15.522 14.338 34.12 14.48 53.959l0 0.041c0 61.856-50.144 112-112 112v0c-19.88-0.142-38.478-5.498-54.535-14.765l0.535 0.285c-5.551 18.541-8.746 39.847-8.746 61.899 0 123.391 100.029 223.42 223.42 223.42s223.42-100.029 223.42-223.42c0-123.391-100.029-223.42-223.42-223.42-0.237 0-0.474 0-0.711 0.001l0.037-0zM1145.040 482.8c-108.46-211.62-323.18-354.8-569.040-354.8s-460.64 143.28-569.040 354.82c-4.387 8.495-6.959 18.542-6.959 29.19s2.572 20.695 7.129 29.553l-0.17-0.363c108.46 211.62 323.18 354.8 569.040 354.8s460.64-143.28 569.040-354.82c4.387-8.495 6.959-18.542 6.959-29.19s-2.572-20.695-7.129-29.553l0.17 0.363zM576 800c-197.3 0-378.18-110-475.86-288 97.68-178 278.54-288 475.86-288s378.18 110 475.86 288c-97.66 178-278.54 288-475.86 288z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>F\u00fcr Personen, die im Ausland, auch ausserhalb Europas, Bargeld abheben m\u00fcssen, <strong>k\u00f6nnte Zak Plus interessanter sein<\/strong>. <br\/>\u2794 Bedenke, dass Zak mit 2 % Aufschlag im Ausland deutlich weniger vorteilhaft ist als andere Neobanken.<br\/><br\/><strong>F\u00fcr Nutzer, die in der Schweiz bleiben,<\/strong> ist Zak Plus in der Schweiz nicht besonders gerechtfertigt. Wir glauben, dass es mit den unbegrenzten Abhebungen an den <a href=\"https:\/\/www.cler.ch\/fr\/services\/agences\">Bancomaten der Banque Clerc<\/a> und der Option der Abhebungen im Coop-Netzwerk ausreichend ist. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">12<\/span>\t<\/div>\t<div id=\"12-zak-en-voyage\">\t\t<h2 class=\"mt0 mb0\">Zak auf Reisen und im Ausland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak auf Reisen<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Bei ZAK gibt es keine Geb\u00fchren f\u00fcr Auslandszahlungen (wie bei Neon oder YUH Bank), aber es gibt einen Aufschlag von 2 % auf den <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">Visa-Referenzsatz<\/a>, was leicht 2,5 % ausmacht.<\/p>\n\n<p>Es ist leider nicht m\u00f6glich, die Karte mit einem Topf zu kombinieren. Zum Beispiel ein Topf mit dem Namen &#8220;Reise&#8221; zur Vorbereitung auf den Urlaub. Dies ist eine gut durchdachte Option, die Sie bei N26 finden.  <\/p>\n\n<p>Zusammenfassend l\u00e4sst sich sagen, dass ZAK im Vergleich zu ihren Konkurrenten YUH Bank und vor allem NEON Bank, deren Wechselgeb\u00fchren minimal oder gar nicht vorhanden sind, aus dem Rennen ist.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">13<\/span>\t<\/div>\t<div id=\"13-depot-argent-liquide\">\t\t<h2 class=\"mt0 mb0\">Einzahlung von Bargeld auf das Konto von Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Einzahlung von Bargeld<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Zak erm\u00f6glicht die kostenlose Einzahlung von Bargeld direkt auf Ihr Konto \u00fcber die Geldautomaten der Bank Cler.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">14<\/span>\t<\/div>\t<div id=\"14-service-client-zak\">\t\t<h2 class=\"mt0 mb0\">Zak Kundenservice<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Kundenservice<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u25cf <strong>Erreichbarkeit<\/strong>: telefonisch \ud83e\udd33 <strong>Montag bis Freitag von 8.00 bis 18.00 Uhr<\/strong>. Die Antwortzeit ist schnell. <br\/><br\/>Kein Chat. Ein einfaches Formular (dasselbe wie auf der Website) erm\u00f6glicht die Kontaktaufnahme mit dem Support-Team, das auch per E-Mail unter support.zak@cler.ch erreichbar ist. Kurz gesagt, wenn du am Wochenende schnelle Antworten ben\u00f6tigst, musst du dich mit der Online-Hilfe begn\u00fcgen. Auch wenn der Service gut ist, ist es nicht wirklich das, was Neobank-Kunden erwarten.   <\/p>\n\n<p>\u25cf <strong>Berichtete Erfahrung<\/strong>: Zak ist sehr detailorientiert und die Wartezeit ist praktisch gleich Null. Basierend auf all unseren Interaktionen auf Franz\u00f6sisch, h\u00f6ren die Beamten zu und z\u00f6gern nicht, nach pr\u00e4zisen Antworten zu suchen. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">15<\/span>\t<\/div>\t<div id=\"15-cashback-zak\">\t\t<h2 class=\"mt0 mb0\">Cashback Zak Bank<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cashback im Angebot von Zak<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Das Cashback-Angebot ist interessant. \u00d6ffne einfach den \u201eZak Store\u201c (Symbol <strong>+<\/strong> unten rechts auf dem Bildschirm) und klicke dann auf \u201eCashback\u201c, um auf die Seite <a href=\"http:\/\/www.shopmate.cash\">shopemate.cash<\/a> weitergeleitet zu werden und von den Angeboten bei 250 Partnergesch\u00e4ften (MediaMarkt, Booking, Ochsner Sport, etc.) zu profitieren. <\/p>\n\n<p>R\u00fcckerstattungen werden direkt auf das Konto von Zak gutgeschrieben.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">16<\/span>\t<\/div>\t<div id=\"16-choisir-le-compte-zak\">\t\t<h2 class=\"mt0 mb0\">Gute Gr\u00fcnde f\u00fcr die Er\u00f6ffnung eines Kontos bei der Zak Bank<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">W\u00e4hlen Sie das Konto Zak<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Zak ist eine Bank, die auf lokale Nutzer ausgerichtet ist und das ist sehr gut. Sie deckt alle Bed\u00fcrfnisse des t\u00e4glichen Lebens ab und erm\u00f6glicht es, das Geld in T\u00f6pfen zu organisieren. H\u00f6rt sich das nicht gut an? Versuchen Sie, nach Videos von <a href=\"https:\/\/www.youtube.com\/results?search_query=cash+envelope+stuffing+\">Cash Stuffing<\/a> Challenges zu suchen und Sie werden vielleicht Ihre Meinung \u00e4ndern.   <\/p>\n\n<p>Kostenlos + physische Filialen (Bank Cler), die den Nutzern zur Verf\u00fcgung stehen = ein enormer Vertrauensvorschuss. Entsprechend seiner Positionierung ist Zak &#8220;nur&#8221; in den Landessprachen (Deutsch, Franz\u00f6sisch und Italienisch) verf\u00fcgbar. Nicht in Englisch.  <\/p>\n\n<p>Die St\u00e4rke von Zak ist auch die Verwaltung von Bargeld. Ob Sie Geld abheben oder einzahlen wollen, Zak macht es Ihnen sehr einfach. <\/p>\n\n<p><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark> <strong>Sie k\u00f6nnen kostenlos ein Konto er\u00f6ffnen<\/strong> und mit dem <mark style=\"background-color: #abb8c3;\" class=\"has-inline-color\">Code <strong>KNSGS6<\/strong><\/mark> CHF 25 mit einer anderen App erhalten. um die Vorteile jeder Bank zu nutzen und <a href=\"https:\/\/heyneo.ch\/de\/bankenvergleich\/beste-online-banken-schweiz\/\">Banken im echten Leben zu vergleichen<\/a>.<\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><style>.gspb_container-id-gsbp-8362f180-9c61{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-8362f180-9c61.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-8362f180-9c61.gspb_container{position:relative;}#gspb_container-id-gsbp-8362f180-9c61.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-8362f180-9c61\" id=\"gspb_container-id-gsbp-8362f180-9c61\"><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style>.gspb_container-id-gsbp-121f2018-0d2f{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container{position:relative;}#gspb_container-id-gsbp-121f2018-0d2f.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-121f2018-0d2f\" id=\"gspb_container-id-gsbp-121f2018-0d2f\"><style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">17<\/span>\t<\/div>\t<div id=\"17-zak-vs-yuh\">\t\t<h2 class=\"mt0 mb0\">Zak vs. Yuh &#8211; Blitzvergleich \u26a1\ufe0f <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak VS. Yuh<\/div>\t<\/div><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"yuh-vs-zak\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Yuh<\/mark> vs <mark style=\"background-color:rgba(0, 0, 0, 0);color:#069ee1\" class=\"has-inline-color\">Zak<\/mark><\/strong><\/h3>\n\n\n\n<div class=\"wp-block-graphina-gutenberg-radar-controls gcfg-mt-chart-wrapper\"><div class=\"gcfg-radar-chart-block\" data-chart=\"line-90bnx9kzjja\" data-mt-attributes=\"{&quot;content&quot;:&quot;Chart Title&quot;,&quot;chart_name&quot;:&quot;radar-chart&quot;,&quot;chartType&quot;:&quot;radar&quot;,&quot;current_post_id&quot;:18286,&quot;chartId&quot;:&quot;line-90bnx9kzjja&quot;,&quot;isDynamicKeys&quot;:false,&quot;isHeader&quot;:false,&quot;isChartFilter&quot;:false,&quot;apiHeaders&quot;:[],&quot;apiChartFilter&quot;:[],&quot;csvFileName&quot;:&quot;&quot;,&quot;csvDataElements&quot;:3,&quot;datasetColumn&quot;:[],&quot;dataSettings&quot;:{&quot;csv_data_elements&quot;:3,&quot;chartDataType&quot;:&quot;csv&quot;,&quot;csvColumnWise&quot;:false,&quot;selected_field&quot;:&quot;&quot;,&quot;chartId&quot;:&quot;line-90bnx9kzjja&quot;},&quot;chartDataCsv&quot;:{},&quot;xAxisColumns&quot;:&quot;&quot;,&quot;yAxisColumns&quot;:[],&quot;dataoptions&quot;:&quot;manual&quot;,&quot;csvColumnWise&quot;:false,&quot;isAjaxReload&quot;:false,&quot;reloadSeconds&quot;:5,&quot;csvUpload&quot;:&quot;&quot;,&quot;csvUploadUrl&quot;:&quot;&quot;,&quot;chartDataType&quot;:&quot;csv&quot;,&quot;sqlMode&quot;:&quot;query&quot;,&quot;sqlIsUpperCase&quot;:false,&quot;sqlRawquery&quot;:&quot;&quot;,&quot;sqlTables&quot;:{},&quot;sqlTableValue&quot;:&quot;&quot;,&quot;sqlOffset&quot;:0,&quot;sqlLimit&quot;:15,&quot;sqlConditionquery&quot;:&quot;&quot;,&quot;elementColor&quot;:[&quot;#2f154f&quot;,&quot;#069ee1&quot;,&quot;#259ffb&quot;],&quot;contentFontSize&quot;:30,&quot;textColor&quot;:&quot;#000&quot;,&quot;titleAlignment&quot;:&quot;center&quot;,&quot;alignment&quot;:&quot;none&quot;,&quot;name&quot;:&quot;none&quot;,&quot;datasets&quot;:[&quot;IBAN CH personnel&quot;,&quot;Multi-devises&quot;,&quot;Carte&quot;,&quot;Factures \ud83c\udde8\ud83c\udded&quot;,&quot;Retraits&quot;,&quot;Frais&quot;,&quot;TWINT&quot;,&quot;Voyage&quot;,&quot;Crypto&quot;],&quot;series&quot;:[{&quot;name&quot;:&quot;YUH&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;175&quot;,&quot;175&quot;,200,&quot;150&quot;]},{&quot;name&quot;:&quot;ZAK&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;125&quot;,&quot;200&quot;,&quot;100&quot;]}],&quot;chartLineShape&quot;:&quot;smooth&quot;,&quot;chartBackgroundColor&quot;:&quot;#ffffff&quot;,&quot;chartHeight&quot;:500,&quot;toolbarOffsetX&quot;:0,&quot;toolbarOffsetY&quot;:0,&quot;exportFileName&quot;:&quot;Radar Chart&quot;,&quot;noChartDataText&quot;:&quot;No Chart Data&quot;,&quot;toolbarEnabled&quot;:false,&quot;chartLabelShow&quot;:false,&quot;chartLabelOffsetX&quot;:0,&quot;chartLabelOffsetY&quot;:0,&quot;chartLabelBackGroundShow&quot;:false,&quot;chartLabelFontColor&quot;:&quot;#ffffff&quot;,&quot;chartLabelBorderWidth&quot;:2,&quot;chartLabelBorderRadius&quot;:0,&quot;chartLabelBorderColor&quot;:&quot;#,000&quot;,&quot;chartTooltipShow&quot;:false,&quot;chartTooltipShared&quot;:false,&quot;chartTooltipTheme&quot;:&quot;light&quot;,&quot;chartDropShadowShow&quot;:false,&quot;chartDropShadowTopPosition&quot;:5,&quot;chartDropShadowLeftPosition&quot;:5,&quot;chartDropShadowBlur&quot;:2,&quot;chartDropShadowColor&quot;:&quot;#000&quot;,&quot;chartDropShadowOpacity&quot;:0.5,&quot;chartAnimationCustom&quot;:true,&quot;chartAnimationSpeed&quot;:800,&quot;chartPlotSettingStrokeColor&quot;:&quot;#ebd9d9&quot;,&quot;chartPlotSettingFillColor&quot;:&quot;#fff&quot;,&quot;chartPlotSettingStrokeSize&quot;:1,&quot;chartAnimationDelay&quot;:350,&quot;chartLegendShow&quot;:false,&quot;chartLegendPosition&quot;:&quot;top&quot;,&quot;chartLegendHorizontalAlign&quot;:&quot;center&quot;,&quot;cardShow&quot;:false,&quot;cardBgColor&quot;:&quot;#fff&quot;,&quot;cardBorderSameWidth&quot;:true,&quot;cardBorderSameColor&quot;:true,&quot;cardBorderSameRadius&quot;:true,&quot;cardborderRadiusTop&quot;:5,&quot;cardborderRadiusRight&quot;:5,&quot;cardborderRadiusBottom&quot;:5,&quot;cardborderRadiusLeft&quot;:5,&quot;cardShadowShow&quot;:false,&quot;cardShadowPosition&quot;:&quot;&quot;,&quot;cardShadowColor&quot;:&quot;#000&quot;,&quot;cardShadowHorizontal&quot;:3,&quot;cardShadowVertical&quot;:3,&quot;cardShadowBlur&quot;:10,&quot;cardShadowSpread&quot;:2,&quot;titleShow&quot;:true,&quot;cardBorderType&quot;:&quot;&quot;,&quot;cardBorderTop&quot;:2,&quot;cardBorderRight&quot;:2,&quot;cardBorderBottom&quot;:2,&quot;cardBorderLeft&quot;:2,&quot;cardBorderTopColor&quot;:&quot;#000&quot;,&quot;cardBorderRightColor&quot;:&quot;#000&quot;,&quot;cardBorderBottomColor&quot;:&quot;#000&quot;,&quot;cardBorderLeftColor&quot;:&quot;#000&quot;,&quot;descriptionShow&quot;:true,&quot;descriptionText&quot;:&quot;Chart Description&quot;,&quot;descFontSize&quot;:15,&quot;descColor&quot;:&quot;#000&quot;,&quot;descAlignment&quot;:&quot;center&quot;,&quot;ChartBorderType&quot;:&quot;none&quot;,&quot;chartBorderSameWidth&quot;:true,&quot;chartBorderSameColor&quot;:true,&quot;chartBorderSameRadius&quot;:true,&quot;ChartTopBorderColor&quot;:&quot;#000&quot;,&quot;ChartRightBorderColor&quot;:&quot;#000&quot;,&quot;ChartBottomBorderColor&quot;:&quot;#000&quot;,&quot;ChartLeftBorderColor&quot;:&quot;#000&quot;,&quot;ChartBorderWidthTop&quot;:5,&quot;ChartBorderWidthRight&quot;:5,&quot;ChartBorderWidthBottom&quot;:5,&quot;ChartBorderWidthLeft&quot;:5,&quot;ChartBorderTopRadius&quot;:2,&quot;ChartBorderRightRadius&quot;:2,&quot;ChartBorderBottomRadius&quot;:2,&quot;ChartBorderLeftRadius&quot;:2,&quot;xaxislabelshow&quot;:true,&quot;xaxislabelFontSize&quot;:16,&quot;xaxislabelcolor&quot;:[&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;],&quot;xaxislabelprefixpostfix&quot;:false,&quot;xaxislabelprefix&quot;:&quot;&quot;,&quot;xaxislabelpostfix&quot;:&quot;&quot;,&quot;yaxislabelshow&quot;:false,&quot;yaxislabelFontSize&quot;:12,&quot;yaxislabelcolor&quot;:[&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;],&quot;yaxislabelprefixpostfix&quot;:false,&quot;yaxislabelprefix&quot;:&quot;&quot;,&quot;yaxislabelpostfix&quot;:&quot;&quot;,&quot;chartmarkers&quot;:1,&quot;labelPrefix&quot;:&quot;&quot;,&quot;labelPostfix&quot;:&quot;&quot;,&quot;chartdashArray&quot;:0,&quot;chartstrokewidth&quot;:2,&quot;chartmarkerstrokewidth&quot;:0,&quot;chartmarkerstrokecolor&quot;:&quot;#060606&quot;,&quot;chartmarkershape&quot;:&quot;circle&quot;,&quot;seriesData&quot;:[{&quot;name&quot;:&quot;YUH&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;175&quot;,&quot;175&quot;,200,&quot;150&quot;]},{&quot;name&quot;:&quot;ZAK&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;125&quot;,&quot;200&quot;,&quot;100&quot;]}]}\"><div class=\"gcfg-mt-radar-chart-block radar-chart-line-90bnx9kzjja\"><div class=\"c-mt-radar-chart\" style=\"border-top:none #000 5px;border-right:none #000 5px;border-bottom:none #000 5px;border-left:none #000 5px;border-radius:2px 2px 2px 2px;overflow:hidden\"><div class=\"graphina-filter-div\"><\/div><div><div type=\"radar\" width=\"100%\" height=\"500px\"><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Zak eignet sich perfekt f\u00fcr die lokale Nutzung in der Schweiz: IBAN CH, integriertes TWINT, QR-Rechnungsmanagement, eBill und LSV sind direkt \u00fcber die App zug\u00e4nglich. Sie ist jedoch auf CHF beschr\u00e4nkt, erhebt Geb\u00fchren f\u00fcr Abhebungen in Fremdw\u00e4hrungen und bietet kein integriertes Investment-Tool. <br\/><br\/>Yuh ist flexibler beim Jonglieren zwischen verschiedenen W\u00e4hrungen: CHF, EUR, USD werden auf demselben Konto mit automatischen Zahlungen ohne Umrechnung verwaltet, aber es bleibt eingeschr\u00e4nkter bei der Automatisierung lokaler Zahlungen (kein LSV, separates TWINT).<\/p>\n\n<p>Zak integriert eine Investmentl\u00f6sung direkt in seine App mit <strong>Zak Invest<\/strong> und bietet Zugang zu \u00fcber 12.000 Aktien, ETFs und Fonds an den wichtigsten B\u00f6rsenpl\u00e4tzen.<br\/>Das Anlageuniversum ist zwar breit, aber die Geb\u00fchrenstruktur mit Mindestgeb\u00fchren pro Transaktion kann f\u00fcr kleine Betr\u00e4ge oder sehr gelegentliche Anleger weniger vorteilhaft sein als die von <strong>Yuh Invest<\/strong>.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si\">Zu bevorzugen, wenn&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>haupts\u00e4chlich CHF verwendet wird, mit der Notwendigkeit eines direkten Zugangs zu TWINT, eBill und Schweizer Bankstandards: <strong>Zak<\/strong><\/li>\n\n\n\n<li>regelm\u00e4\u00dfig reisen, EUR\/USD erhalten oder ausgeben, oder einfach investieren wollen, ohne die App zu verlassen: <strong>Yuh<\/strong> (lesen Sie die <a href=\"https:\/\/heyneo.ch\/de\/service\/yuh-bewertung\/\">Meinung und den Test von Yuh<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si\">Zu vermeiden, wenn&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Sie ben\u00f6tigen ein aktives Konto mit mehreren W\u00e4hrungen (Zak verwaltet nur CHF).<\/li>\n\n\n\n<li>Sie wollen lokale Zahlungen und Investitionen in einer einzigen Schnittstelle zusammenfassen (bei Zak nicht zug\u00e4nglich).<\/li>\n\n\n\n<li>man im Alltag h\u00e4ufig mit ausl\u00e4ndischen W\u00e4hrungen umgeht<\/li>\n<\/ul>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:400px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-befca87ce57f2c6bde21a12641e04740\" style=\"font-size:22px\"><strong>Yuh Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/IMG_6295-100x100.png\" data-src=\"\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Verwenden Sie den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong>, um <strong>50 CHF Trading Credit + 250 SWQ zu erhalten <\/strong>(bei einer ersten Einzahlung von CHF 500.-).<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.yuh.com\/de\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>500 SWQ erhalten<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">18<\/span>\t<\/div>\t<div id=\"18-zak-vs-neon\">\t\t<h2 class=\"mt0 mb0\">Zak vs. Neon &#8211; Blitzvergleich \u26a1\ufe0f <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak VS. Neon<\/div>\t<\/div><\/div>\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"neon-vs-zak\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-buttonmain-color\">Neon<\/mark> vs <mark style=\"background-color:rgba(0, 0, 0, 0);color:#069ee1\" class=\"has-inline-color\">Zak<\/mark><\/strong><\/h3>\n\n\n\n<div class=\"wp-block-graphina-gutenberg-radar-controls gcfg-mt-chart-wrapper\"><div class=\"gcfg-radar-chart-block\" data-chart=\"line-90bnx9kzjja\" data-mt-attributes=\"{&quot;content&quot;:&quot;Chart Title&quot;,&quot;chart_name&quot;:&quot;radar-chart&quot;,&quot;chartType&quot;:&quot;radar&quot;,&quot;current_post_id&quot;:18317,&quot;chartId&quot;:&quot;line-90bnx9kzjja&quot;,&quot;isDynamicKeys&quot;:false,&quot;isHeader&quot;:false,&quot;isChartFilter&quot;:false,&quot;apiHeaders&quot;:[],&quot;apiChartFilter&quot;:[],&quot;csvFileName&quot;:&quot;&quot;,&quot;csvDataElements&quot;:3,&quot;datasetColumn&quot;:[],&quot;dataSettings&quot;:{&quot;csv_data_elements&quot;:3,&quot;chartDataType&quot;:&quot;csv&quot;,&quot;csvColumnWise&quot;:false,&quot;selected_field&quot;:&quot;&quot;,&quot;chartId&quot;:&quot;line-90bnx9kzjja&quot;},&quot;chartDataCsv&quot;:{},&quot;xAxisColumns&quot;:&quot;&quot;,&quot;yAxisColumns&quot;:[],&quot;dataoptions&quot;:&quot;manual&quot;,&quot;csvColumnWise&quot;:false,&quot;isAjaxReload&quot;:false,&quot;reloadSeconds&quot;:5,&quot;csvUpload&quot;:&quot;&quot;,&quot;csvUploadUrl&quot;:&quot;&quot;,&quot;chartDataType&quot;:&quot;csv&quot;,&quot;sqlMode&quot;:&quot;query&quot;,&quot;sqlIsUpperCase&quot;:false,&quot;sqlRawquery&quot;:&quot;&quot;,&quot;sqlTables&quot;:{},&quot;sqlTableValue&quot;:&quot;&quot;,&quot;sqlOffset&quot;:0,&quot;sqlLimit&quot;:15,&quot;sqlConditionquery&quot;:&quot;&quot;,&quot;elementColor&quot;:[&quot;#069ee1&quot;,&quot;#eb008c&quot;,&quot;#259ffb&quot;],&quot;contentFontSize&quot;:30,&quot;textColor&quot;:&quot;#000&quot;,&quot;titleAlignment&quot;:&quot;center&quot;,&quot;alignment&quot;:&quot;none&quot;,&quot;name&quot;:&quot;none&quot;,&quot;datasets&quot;:[&quot;IBAN CH personnel&quot;,&quot;Multi-devises&quot;,&quot;Carte&quot;,&quot;Factures \ud83c\udde8\ud83c\udded&quot;,&quot;Retraits&quot;,&quot;Frais&quot;,&quot;TWINT&quot;,&quot;Voyage&quot;,&quot;Crypto&quot;],&quot;series&quot;:[{&quot;name&quot;:&quot;NEON&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;125&quot;,200,&quot;100&quot;],&quot;group&quot;:&quot;apexcharts-axis-0&quot;},{&quot;name&quot;:&quot;NEON&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;150&quot;,&quot;200&quot;,&quot;175&quot;,&quot;150&quot;,&quot;150&quot;,&quot;175&quot;],&quot;group&quot;:&quot;apexcharts-axis-0&quot;}],&quot;chartLineShape&quot;:&quot;smooth&quot;,&quot;chartBackgroundColor&quot;:&quot;#ffffff&quot;,&quot;chartHeight&quot;:500,&quot;toolbarOffsetX&quot;:0,&quot;toolbarOffsetY&quot;:0,&quot;exportFileName&quot;:&quot;Radar Chart&quot;,&quot;noChartDataText&quot;:&quot;No Chart Data&quot;,&quot;toolbarEnabled&quot;:false,&quot;chartLabelShow&quot;:false,&quot;chartLabelOffsetX&quot;:0,&quot;chartLabelOffsetY&quot;:0,&quot;chartLabelBackGroundShow&quot;:false,&quot;chartLabelFontColor&quot;:&quot;#ffffff&quot;,&quot;chartLabelBorderWidth&quot;:2,&quot;chartLabelBorderRadius&quot;:0,&quot;chartLabelBorderColor&quot;:&quot;#,000&quot;,&quot;chartTooltipShow&quot;:false,&quot;chartTooltipShared&quot;:false,&quot;chartTooltipTheme&quot;:&quot;light&quot;,&quot;chartDropShadowShow&quot;:false,&quot;chartDropShadowTopPosition&quot;:5,&quot;chartDropShadowLeftPosition&quot;:5,&quot;chartDropShadowBlur&quot;:2,&quot;chartDropShadowColor&quot;:&quot;#000&quot;,&quot;chartDropShadowOpacity&quot;:0.5,&quot;chartAnimationCustom&quot;:true,&quot;chartAnimationSpeed&quot;:800,&quot;chartPlotSettingStrokeColor&quot;:&quot;#ebd9d9&quot;,&quot;chartPlotSettingFillColor&quot;:&quot;#fff&quot;,&quot;chartPlotSettingStrokeSize&quot;:1,&quot;chartAnimationDelay&quot;:350,&quot;chartLegendShow&quot;:false,&quot;chartLegendPosition&quot;:&quot;top&quot;,&quot;chartLegendHorizontalAlign&quot;:&quot;center&quot;,&quot;cardShow&quot;:false,&quot;cardBgColor&quot;:&quot;#fff&quot;,&quot;cardBorderSameWidth&quot;:true,&quot;cardBorderSameColor&quot;:true,&quot;cardBorderSameRadius&quot;:true,&quot;cardborderRadiusTop&quot;:5,&quot;cardborderRadiusRight&quot;:5,&quot;cardborderRadiusBottom&quot;:5,&quot;cardborderRadiusLeft&quot;:5,&quot;cardShadowShow&quot;:false,&quot;cardShadowPosition&quot;:&quot;&quot;,&quot;cardShadowColor&quot;:&quot;#000&quot;,&quot;cardShadowHorizontal&quot;:3,&quot;cardShadowVertical&quot;:3,&quot;cardShadowBlur&quot;:10,&quot;cardShadowSpread&quot;:2,&quot;titleShow&quot;:true,&quot;cardBorderType&quot;:&quot;&quot;,&quot;cardBorderTop&quot;:2,&quot;cardBorderRight&quot;:2,&quot;cardBorderBottom&quot;:2,&quot;cardBorderLeft&quot;:2,&quot;cardBorderTopColor&quot;:&quot;#000&quot;,&quot;cardBorderRightColor&quot;:&quot;#000&quot;,&quot;cardBorderBottomColor&quot;:&quot;#000&quot;,&quot;cardBorderLeftColor&quot;:&quot;#000&quot;,&quot;descriptionShow&quot;:true,&quot;descriptionText&quot;:&quot;Chart Description&quot;,&quot;descFontSize&quot;:15,&quot;descColor&quot;:&quot;#000&quot;,&quot;descAlignment&quot;:&quot;center&quot;,&quot;ChartBorderType&quot;:&quot;none&quot;,&quot;chartBorderSameWidth&quot;:true,&quot;chartBorderSameColor&quot;:true,&quot;chartBorderSameRadius&quot;:true,&quot;ChartTopBorderColor&quot;:&quot;#000&quot;,&quot;ChartRightBorderColor&quot;:&quot;#000&quot;,&quot;ChartBottomBorderColor&quot;:&quot;#000&quot;,&quot;ChartLeftBorderColor&quot;:&quot;#000&quot;,&quot;ChartBorderWidthTop&quot;:5,&quot;ChartBorderWidthRight&quot;:5,&quot;ChartBorderWidthBottom&quot;:5,&quot;ChartBorderWidthLeft&quot;:5,&quot;ChartBorderTopRadius&quot;:2,&quot;ChartBorderRightRadius&quot;:2,&quot;ChartBorderBottomRadius&quot;:2,&quot;ChartBorderLeftRadius&quot;:2,&quot;xaxislabelshow&quot;:true,&quot;xaxislabelFontSize&quot;:16,&quot;xaxislabelcolor&quot;:[&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;],&quot;xaxislabelprefixpostfix&quot;:false,&quot;xaxislabelprefix&quot;:&quot;&quot;,&quot;xaxislabelpostfix&quot;:&quot;&quot;,&quot;yaxislabelshow&quot;:false,&quot;yaxislabelFontSize&quot;:12,&quot;yaxislabelcolor&quot;:[&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;,&quot;#000&quot;],&quot;yaxislabelprefixpostfix&quot;:false,&quot;yaxislabelprefix&quot;:&quot;&quot;,&quot;yaxislabelpostfix&quot;:&quot;&quot;,&quot;chartmarkers&quot;:1,&quot;labelPrefix&quot;:&quot;&quot;,&quot;labelPostfix&quot;:&quot;&quot;,&quot;chartdashArray&quot;:0,&quot;chartstrokewidth&quot;:2,&quot;chartmarkerstrokewidth&quot;:0,&quot;chartmarkerstrokecolor&quot;:&quot;#060606&quot;,&quot;chartmarkershape&quot;:&quot;circle&quot;,&quot;seriesData&quot;:[{&quot;name&quot;:&quot;Zak&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;200&quot;,&quot;200&quot;,&quot;200&quot;,&quot;125&quot;,200,&quot;100&quot;],&quot;group&quot;:&quot;apexcharts-axis-0&quot;},{&quot;name&quot;:&quot;NEON&quot;,&quot;data&quot;:[&quot;200&quot;,&quot;50&quot;,&quot;150&quot;,&quot;200&quot;,&quot;175&quot;,&quot;150&quot;,&quot;150&quot;,&quot;175&quot;],&quot;group&quot;:&quot;apexcharts-axis-0&quot;}]}\"><div class=\"gcfg-mt-radar-chart-block radar-chart-line-90bnx9kzjja\"><div class=\"c-mt-radar-chart\" style=\"border-top:none #000 5px;border-right:none #000 5px;border-bottom:none #000 5px;border-left:none #000 5px;border-radius:2px 2px 2px 2px;overflow:hidden\"><div class=\"graphina-filter-div\"><\/div><div><div type=\"radar\" width=\"100%\" height=\"500px\"><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Zak deckt die \u00fcblichen Bankgesch\u00e4fte in der Schweiz sehr gut ab: natives TWINT, Bezahlung von QR-Rechnungen, eBill-Verwaltung und die M\u00f6glichkeit, LSVs einzurichten. Aber alles bleibt auf CHF beschr\u00e4nkt: Es gibt keine Fremdw\u00e4hrungskonten, Abhebungen au\u00dferhalb der Schweiz sind geb\u00fchrenpflichtig und es gibt keine M\u00f6glichkeit, direkt \u00fcber die App zu investieren. <br\/><br\/>Neon bietet ein Konto ohne feste Geb\u00fchren, wettbewerbsf\u00e4hige Kartenzahlungen in Fremdw\u00e4hrungen und einen einfachen Zugang zu Investitionen, ist aber bei den automatischen Zahlungen in der Schweiz weniger integriert.<\/p>\n\n<p>Mit <strong>Zak Invest<\/strong> bietet Zak einen umfassenden Zugang zu den Finanzm\u00e4rkten mit \u00fcber 12.000 Titeln aus Aktien, ETFs und Fonds. Das Angebot zeichnet sich durch seinen Umfang aus, der die Produktanzahl von <strong>Neon Invest<\/strong> \u00fcbertrifft. Bei kleinen Orderbetr\u00e4gen k\u00f6nnen die angewandten Mindestgeb\u00fchren die Attraktivit\u00e4t im Vergleich zur schlankeren Geb\u00fchrenstruktur von Neon jedoch verringern.  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si-1\">Zu bevorzugen, wenn&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>wir wollen eine nahtlose App, die vollst\u00e4ndig mit den Schweizer Standards (TWINT, eBill, LSV) \u00fcbereinstimmt: <strong>Zak<\/strong><\/li>\n\n\n\n<li>regelm\u00e4\u00dfig in EUR zahlt, reist oder gelegentlich von seinem Konto aus investieren m\u00f6chte: <strong>Neon<\/strong> (lesen Sie die <a href=\"https:\/\/heyneo.ch\/de\/service\/neon-bewertung\/\">Meinung und den Test von Neon<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si-1\">Zu vermeiden, wenn&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>Sie ben\u00f6tigen ein Konto mit mehreren W\u00e4hrungen, um sowohl CHF als auch andere W\u00e4hrungen zu verwalten.<\/li>\n\n\n\n<li>TWINT im Alltag genutzt wird (Neon hat keine native Integration)<\/li>\n\n\n\n<li>eine L\u00f6sung gesucht wird, die Zahlungen, Sparen und Investieren kombiniert, ohne die Dienstleistungen zu vervielf\u00e4ltigen<\/li>\n<\/ul>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-541d47882c9a4f92e2967a0d360e7a9e\" style=\"font-size:22px\"><strong>Zak Promo-Code<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/08\/logo-zak-app.jpeg\" data-src=\"\" alt=\"Logo Zak app Schweizer Bank\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Promo-Code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>, um <strong>CHF 25 zu erhalten<\/strong>, wenn du dein Konto er\u00f6ffnest.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Erhalten Sie 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/de\/gutscheincode\/zak\/\" type=\"post\" id=\"6426\">Zak Promo-Code: Alle Infos<\/a><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"que-pensez-vous-de-zak\">Was halten Sie von Zak?<\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Ist die App. Zak Ihren Alltag erleichtert? <\/li>\n\n\n\n<li>Welche Funktion w\u00fcrden Sie gerne anpassen oder verbessern?  <\/li>\n\n\n\n<li>Ist Zak Plus die bessere Wahl f\u00fcr Sie?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Teilen Sie Ihre<\/mark> Erfahrungen<\/strong> mit allen Freunden von Neo \ud83d\ude08.<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-ALL-court-1.gif\" data-src=\"\" alt=\"Nutzermeinungen und Kommentare\" loading=\"lazy\" height=\"249\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Zak Erfahrungen: die Neobank in deiner N\u00e4he. Wir haben ZAK in realen Situationen in der Schweiz getestet. St\u00e4rken\u2026 Schw\u00e4chen\u2026 Bankdienstleistungen\u2026 Geb\u00fchren\u2026 Funktionen\u2026 Vorteile und L\u00fccken&#8230; Dieser detaillierte Test spart dir wertvolle Zeit beim Vergleichen.    Nutzen Sie den <strong>Promocode KNSGS6<\/strong> bei der Er\u00f6ffnung Ihres Kontos, um <strong>25 CHF zu erhalten<\/strong>.<\/p>\n","protected":false},"author":1,"featured_media":14533,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[853],"product_tag":[],"class_list":{"0":"post-14861","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-online-banken-in-der-schweiz","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zak \u2013 Bewertung, Test und \u00dcberpr\u00fcfung (Mai 2026) + 25 CHF erhalten<\/title>\n<meta name=\"description\" content=\"Zak Bank Test 2026: Funktionen, Geb\u00fchren, Sicherheit, TWINT. 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","inLanguage":"de"},"inLanguage":"de"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/de\/service\/zak-bewertung\/#faq-question-1772722526218","position":6,"url":"https:\/\/heyneo.ch\/de\/service\/zak-bewertung\/#faq-question-1772722526218","name":"Ist die Zak S\u00e4ule 3a attraktiv?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Die Zak S\u00e4ule 3a ist f\u00fcr Nutzer der Zak-App interessant, die ihr Bankkonto und ihre Vorsorge in einer einzigen App zentralisieren m\u00f6chten. Allerdings sind die Geb\u00fchren von rund 1,25 % hoch. ","inLanguage":"de"},"inLanguage":"de"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/de\/service\/zak-bewertung\/#faq-question-1744806097542","position":7,"url":"https:\/\/heyneo.ch\/de\/service\/zak-bewertung\/#faq-question-1744806097542","name":"Kann ich TWINT mit Zak nutzen?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ja. 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