{"id":14841,"date":"2025-01-10T17:11:02","date_gmt":"2025-01-10T16:11:02","guid":{"rendered":"https:\/\/heyneo.ch\/banques-en-ligne\/zak-bank-review-2024\/"},"modified":"2026-03-05T16:42:41","modified_gmt":"2026-03-05T15:42:41","slug":"zak-review","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/zak-review\/","title":{"rendered":"Zak Bank \u2013 Complete Review and Test (May 2026) + get 25 CHF"},"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=\"ZAK banque's offer\"><a class=\"gs-scrollto\" href=\"#1-offre-zak-banque\">ZAK offering<\/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=\"Safety: Zak's guarantees\"><a class=\"gs-scrollto\" href=\"#2-securite-zak\">Safety: Zak&#8217;s guarantees<\/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=\"Opening an account at ZAK\"><a class=\"gs-scrollto\" href=\"#3-ouverture-de-compte-zak\">Opening an account with 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=\"The Zak bank card\"><a class=\"gs-scrollto\" href=\"#4-carte-bancaire-zak\">Zak card<\/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=\"ZAK application features\"><a class=\"gs-scrollto\" href=\"#5-fonctionnalites-application-zak\">ZAK app features<\/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 Pillar 3a\"><a class=\"gs-scrollto\" href=\"#6-zak-3a\">Zak Pillar 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=\"Zak account interest rates\"><a class=\"gs-scrollto\" href=\"#7-taux-interets-compte-zak\">Zak Account Interest Rates<\/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=\"Transfer speed with Zak\"><a class=\"gs-scrollto\" href=\"#8-rapidite-virements-zak\">Fast Transfers with 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 with Zak\"><a class=\"gs-scrollto\" href=\"#9-twint-zak\">TWINT with 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=\"ZAK Banque fees\"><a class=\"gs-scrollto\" href=\"#10-frais-zak-banque\">Zak Bank Fees<\/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=\"Should I choose Zak Plus?\"><a class=\"gs-scrollto\" href=\"#11-zak-plus\">Should You Choose 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 on the road\"><a class=\"gs-scrollto\" href=\"#12-zak-en-voyage\">Zak for Travel<\/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=\"Cash deposit\"><a class=\"gs-scrollto\" href=\"#13-depot-argent-liquide\">Depositing Cash<\/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=\"Customer service\"><a class=\"gs-scrollto\" href=\"#14-service-client-zak\">Customer Service<\/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 in the Zak offer\"><a class=\"gs-scrollto\" href=\"#15-cashback-zak\">Cashback in the Zak Offer<\/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=\"Select Zak account\"><a class=\"gs-scrollto\" href=\"#16-choisir-le-compte-zak\">Choosing the Zak Account<\/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=\"What do you think of Zak?\"><a class=\"gs-scrollto\" href=\"#que-pensez-vous-de-zak\">What do you think of 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 \">Strengths<\/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\">The free account in Switzerland<\/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\">Free cash deposit<\/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\">Creation of Common Pots<\/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\">Cash withdrawal network<\/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\">Integrated investing (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 \">Weaknesses<\/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\">Not available in English<\/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\">Card Management with Another 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\">Not Well-Suited for Travel<\/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\">Non-SEPA Payments Impossible<\/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 February 24, 2026:<\/em> Integrated investment solutions via Zak Invest]<br\/>[<em>Update \u2013 February 7, 2026:<\/em> Zak promo code]<br\/>[<em>Update \u2013 February 3, 2026: Removed Zak VS Radicant comparison following Radicant&#8217;s closure<\/em>]<br\/>[<em>Update \u2013 November 10, 2025: Launch of Zak 3a<\/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\">Zak banque offer summary<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">ZAK banque&#8217;s offer<\/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; Review focused on Zak&#8217;s banking services.<br\/>&#8211; <a href=\"https:\/\/heyneo.ch\/en\/banks-comparison\/best-online-banks-switzerland\/\" type=\"post\" id=\"3912\">Compare all online banks in Switzerland<\/a> at the same time.<\/p>\n<\/div>\n<\/div><\/div><\/div>\n\n<p>ZAK is the first purely mobile bank to appear in Switzerland (2018). It offers features for planning your budget (alone or with others) in real time. Zak is based on Banque Cler for financial services.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"zak-free-le-compte-et-la-carte\">Zak Free &#8211; the account and the card \ud83d\udcb3<\/h3>\n\n<p>0 CHF\/month<\/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>free bank account<\/strong> in Switzerland<\/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\"><strong>Visa card<\/strong> Free Debit<\/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>free payments<\/strong> (without exchange rate surcharge)<\/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\">Free <strong>Swiss 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>Pillar 3a<\/strong> and Interest-Bearing <strong>Savings Account<\/strong> Included<\/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; the premium offer<\/h3>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>CHF 8\/month<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Free cash withdrawals worldwide<\/li>\n\n\n\n<li>Priority support<\/li>\n\n\n\n<li>Carbon offsetting<\/li>\n\n\n\n<li>Elimination of Foreign Payment Fees<\/li>\n\n\n\n<li>Free Coffee at Bank Cler Branches (Yes, Really \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\">Security: is Zak Safe?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Safety: Zak&#8217;s guarantees<\/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\">Is Zak a Bank?<\/strong> <p class=\"schema-faq-answer\">Banking services are provided by Bank Clerc SA in Basel, <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">approved by FINMA<\/a>.<br\/>The Swiss deposit protection insurance covers up to CHF 100,000 in case of bankruptcy.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747838937620\"><strong class=\"schema-faq-question\">Is Zak Safe?<\/strong> <p class=\"schema-faq-answer\">Zak bank user data is stored in Switzerland.<br\/>Two-factor authentication (2FA) is used for account access.<\/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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/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\">Open a Zak account &#8211; Receive CHF 25<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Opening an account at 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 is available in French, German, and Italian.<\/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\">Who Can Open an Account with Zak Bank?<\/strong> <p class=\"schema-faq-answer\">&#8211; Be at least 15 years old (YUH 14 years, Neon 16 years)<br\/>&#8211; Reside in Switzerland (see <a href=\"https:\/\/heyneo.ch\/en\/news\/non-resident-swiss-bank-account\/\" type=\"post\" id=\"19141\">banks accessible to non-residents<\/a> and <a href=\"https:\/\/heyneo.ch\/en\/news\/cross-border-banks-which-to-choose\/\" type=\"post\" id=\"7920\">Swiss cross-border commuters<\/a>).<br\/>&#8211; Have an iOS or Android smartphone<br\/>&#8211; No proof of income or minimum balance required.<\/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\">Step-by-step guide to opening a YUH account<\/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>Download the ZAK app<\/strong><\/h4>\n\n\n\n<p>on the <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>Create a new account<\/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\">Create a password<\/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\">Confirm your country of residence<\/mark><\/mark><\/h4>\n\n\n\n<p>and provide some additional information:<\/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>Verify your identity<\/strong><\/h4>\n\n\n\n<p>The process is entirely managed by Swisscom. First, the ID scan: <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>Then the video identification:<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\">Verify your residential address<\/mark><\/strong><\/h4>\n\n\n\n<p>Zak requires proof of residence. Fortunately, the choice is quite broad: <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\">Choose the Zak or Zak Plus offer<\/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\">Sign your contract digitally<\/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\">Make an initial deposit to activate your account<\/mark><\/strong><\/h4>\n\n\n\n<p>To activate your account, you need to make an initial deposit. The account is activated within 2-3 days: <\/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\">Enter your code \ud83d\udc47<\/mark><\/strong><\/p>\n\n\n\n<p><strong>Receive 25 CHF<\/strong>: go to &#8220;settings&#8221; then &#8220;Enter code&#8221; and enter the code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong>.<br\/><br\/>You can do this 24 hours after the account activation confirmation SMS and you have up to 30 days maximum.<\/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>You will receive your money practically overnight.<\/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\">The Zak bank card<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Zak bank card<\/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>You receive your card first<\/strong>. The PIN code is not immediately available in the app. <\/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>The <strong>PIN <\/strong>is sent separately.<\/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>the Zak Visa Debit card<\/strong> at a glance :<\/span><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Code-free contactless payment up to CHF 80\/purchase.\nBeyond that, the code is required.   <\/li>\n\n\n\n<li>It works with Apple Pay \/ Google Pay \/ Samsung Pay.<\/li>\n\n\n\n<li>Push notifications for card payments.<\/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>To activate contactless<\/strong>, you need to finalize a first payment with the card code.<\/p>\n\n\n\n<p>\u25cf Even if it takes a few days for the card to be delivered, you <strong>can use it via your smartphone<\/strong> or<strong>use the payment information<\/strong> available in the app to make online purchases.<\/p>\n<\/div><\/div><\/div>\n\n<p>You can temporarily block your card from the app, but you have to go to the ATM to change the PIN code.<br\/><br\/>The default cash withdrawal limit is CHF 2,000\/day or 3,000\/month, but this can be changed by calling support. Payments are debited from the main account (Spaces money is excluded). <\/p>\n\n<p>Card Blocking Is Charged at 50 CHF, Even in Case of Loss<\/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>Can I rent a car?<\/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 \">Even Though Debit Cards Are Increasingly Accepted for Car Rentals, It&#8217;s Better to <strong>Always Bring a <a href=\"https:\/\/heyneo.ch\/en\/news\/swiss-credit-card-guide-comparison\/\">Credit Card<\/a><\/strong> for the Security Deposit.<\/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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/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 application: features<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">ZAK application features<\/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>The Zak Application Is Rich<\/strong><\/strong> <strong>and Adapted to All <a href=\"https:\/\/heyneo.ch\/en\/news\/payment-methods-switzerland\/\">Situations in Switzerland<\/a><\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Account Movement Tracking<\/li>\n\n\n\n<li>Push notification of movements<\/li>\n\n\n\n<li>eBill \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Standing orders<\/li>\n\n\n\n<li>Twint<\/li>\n\n\n\n<li>Scan payment slips (QR invoices) \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Turning a QR invoice into a standing order<\/li>\n\n\n\n<li>Sharing bank details via QR<\/li>\n\n\n\n<li>PushTAN function replaces mTAN (sms)<\/li>\n<\/ul>\n\n<p>The app.\nallows you to manage group budgets: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Pots: dividing your budget between different pots<\/li>\n\n\n\n<li>Pots communs: manage group expenses, find out who owes you money and pay off your debt in a click<\/li>\n\n\n\n<li>Instant payment &#8220;Zak Illico&#8221; to instantly send or request money from other users among your contacts.<\/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>And to manage the card?<\/strong><\/h3>\n\n<p>You have to go through another application, Viseca One on <a href=\"https:\/\/apps.apple.com\/ch\/app\/one-karten-unter-kontrolle\/id970439160\">iOS<\/a> and <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.viseca.visecaone&amp;hl=de_CH\">Android<\/a> for :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Request New PIN Code<\/li>\n\n\n\n<li>Temporarily Block the Card<\/li>\n\n\n\n<li>Activate \/ Deactivate Contactless, etc.<\/li>\n\n\n\n<li>View card expenses<\/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>Missing features:<\/strong><br\/>\u2718 Ability to change daily or monthly card limits directly in the app<\/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 Invest with Zak \u2013 Zak Invest<\/h3>\n\n<p>Since January 2026, Zak now lets you invest directly from the app via <strong>Zak Invest<\/strong> 8.<\/p>\n\n<p>You get access to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Over <strong>12,000 stocks<\/strong><\/li>\n\n\n\n<li><strong>ETFs<\/strong><\/li>\n\n\n\n<li><strong>Investment funds<\/strong><\/li>\n\n\n\n<li>Major global stock exchanges<\/li>\n<\/ul>\n\n<p>Open Zak Invest directly from the &#8220;Invest&#8221; tab in the app.<\/p>\n\n<p id=\"la-structure-des-frais-zak-invest\"><strong>Zak Invest fee structure<\/strong><\/p>\n\n<p>Pricing is transparent and shown before you confirm each order.<\/p>\n\n<p id=\"actions-etf-six-swiss-exchange\"><strong>Stocks &amp; ETFs \u2013 SIX Swiss Exchange<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0.25% (min: 5 CHF \/ max: 50 CHF)<\/li>\n<\/ul>\n\n<p id=\"actions-etf-autres-places-boursieres\"><strong>Stocks &amp; ETFs \u2013 other exchanges<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0.50% (min: 15 CHF \/ max: 300 CHF)<\/li>\n<\/ul>\n\n<p id=\"fonds\"><strong>Funds<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0.50% per transaction (min. 15 CHF)<\/li>\n\n\n\n<li>0.25% per year on holdings<\/li>\n<\/ul>\n\n<p>Zak clearly shows the estimated cost before execution, making it easy to understand for beginner investors.<\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\"><strong>Zak Plus<\/strong> users get <strong>50% off trading fees<\/strong>. <\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\">Summary:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Number of securities<\/td><td>12,000+<\/td><\/tr><tr><td>SIX stocks &amp; ETFs<\/td><td>0.25% (min 5 CHF)<\/td><\/tr><tr><td>Other exchanges<\/td><td>0,50 %<\/td><\/tr><tr><td>Funds<\/td><td>0.50% + 0.25%\/year<\/td><\/tr><tr><td>Zak Plus discount<\/td><td>-50% fees<\/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 Pillar 3a<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak Pillar 3a<\/div>\t<\/div><\/div>\n<p>If you&#8217;re already using Zak daily, the question quickly arises: is Zak Pillar 3a really worth it compared to specialized solutions like VIAC, finpension, or frankly?<\/p>\n\n<p>Zak offers a <strong>Pillar 3a solution directly integrated into its banking app<\/strong> and linked to the Banque Cler 3rd Pillar Foundation. You can open and manage your Pillar 3a without leaving the app. <\/p>\n\n<p>The offer is based on two approaches: an account with a guaranteed interest rate (0.40% interest per year) or a securities investment strategy based on a risk profile.<\/p>\n\n<p>Opening is done entirely from the mobile app. You can then make payments, track performance, and modify allocation directly within the application. <\/p>\n\n<p>The idea is clear: if you&#8217;re already using Zak for your payments and current account, you can also manage your Pillar 3a in the same app.<\/p>\n\n<p>Compared to specialized Pillar 3a platforms (like VIAC, finpension, or frankly), the level of customization remains more limited.<\/p>\n\n<p>Before looking at investment strategies, let&#8217;s quickly review the operating conditions of Zak 3a.<\/p>\n\n<p><strong>Conditions<\/strong><\/p>\n\n<p>Operation is simple and entirely mobile. Opening is done directly from the Zak app, with no paper documents. <\/p>\n\n<p>Main conditions:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Invest from as little as 1 CHF<\/li>\n\n\n\n<li>Single or recurring payments possible<\/li>\n\n\n\n<li>Standard Pillar 3a taxation<\/li>\n\n\n\n<li>Accessible only via the mobile app<\/li>\n\n\n\n<li>Reserved for Swiss residents with AVS-eligible income<\/li>\n<\/ul>\n\n<p><strong>Investment Strategies<\/strong><\/p>\n\n<p>Zak offers two different approaches:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Guaranteed interest rate account<\/strong>: a pension account with a guaranteed rate of 0.40%. This solution prioritizes security and stability, but returns remain limited in an inflationary environment. <\/li>\n\n\n\n<li><strong>Securities investment<\/strong>: savings can also be invested according to four risk profiles:<\/li>\n<\/ol>\n\n<ul class=\"wp-block-list\">\n<li>Income \u2192 max. 35% equities <\/li>\n\n\n\n<li>Balanced \u2192 max. 60% equities <\/li>\n\n\n\n<li>Growth \u2192 max. 85% equities <\/li>\n\n\n\n<li>Equities \u2192 up to 100% equities<\/li>\n<\/ul>\n\n<p>Portfolios are composed of diversified funds with a bond component for more cautious profiles. You can modify your risk profile directly in the app. <\/p>\n\n<p>However, the offer remains pre-configured: it&#8217;s not possible to select funds yourself or build your own portfolio.<\/p>\n\n<p><strong>Fees<\/strong><\/p>\n\n<p>Zak applies a simple fee structure:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>No opening fees<\/li>\n\n\n\n<li>No payment fees<\/li>\n<\/ul>\n\n<p>For the invested portion, fees are approximately <strong>1.25% per year<\/strong>. With this level of fees, Zak 3a is significantly more expensive than specialized digital Pillar 3a platforms like <strong>VIAC (\u22480.38%), finpension (\u22480.39%), or frankly (\u22480.45%)<\/strong>. These solutions generally allow for more flexible allocation and lower costs.  <\/p>\n\n<p>The positioning is therefore clear: a practical and integrated solution, but not optimized to minimize fees as much as possible.<\/p>\n\n<p><strong>Zak 3a is suitable if:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>You already use Zak and want to centralize your pension in the same app<\/li>\n\n\n\n<li>You&#8217;re looking for a simple, fully mobile solution<\/li>\n\n\n\n<li>You appreciate the option to choose between a guaranteed rate and securities investment<\/li>\n<\/ul>\n\n<p><strong>It will be less suitable if:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>You want to minimize fees as much as possible<\/li>\n\n\n\n<li>You want to choose your own ETFs or build your allocation<\/li>\n<\/ul>\n\n<p>In practice, Zak 3a primarily functions as a simple pension solution for app users. Integration is seamless and management remains intuitive, with the option to choose between a guaranteed interest account or an invested strategy. <\/p>\n\n<p>However, fees of around <strong>1.25% per year<\/strong> are significantly higher than those of specialized digital Pillar 3a platforms like <strong>VIAC, finpension, or frankly<\/strong>.<\/p>\n\n<p>Zak 3a is therefore interesting for centralizing your pension in the same application, but less suitable if the goal is to optimize costs and customization as much as possible.<\/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>Can you choose your own funds or ETFs with Zak 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. With Zak, allocation is pre-configured according to risk profiles (Income, Balanced, Growth, Equities). It&#8217;s not possible to individually select ETFs or build your own portfolio.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722513208\"><strong class=\"schema-faq-question\"><strong>Can you switch from the guaranteed interest account to an invested strategy?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. It&#8217;s possible to change your approach directly in the app, switching from a guaranteed interest account (0.40%) to a securities investment strategy and vice versa. However, the two cannot be combined in the same account. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722526218\"><strong class=\"schema-faq-question\"><strong>Is Zak Pillar 3a worthwhile?<\/strong><\/strong> <p class=\"schema-faq-answer\">Zak Pillar 3a is worthwhile for Zak app users who want to centralize their bank account and pension in a single app. However, its fees of around 1.25% are high. <\/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\">Interest rates offered by the Zak account<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak account interest rates<\/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 offers a rate of <strong>0.3%<\/strong> up to 100,000 CHF and <strong>0.8%<\/strong> on &#8220;Pr\u00e9voyance dans Zak&#8221; (pillar 3a) regardless of the amount.<\/p>\n\n<p>Zak also offers a <a href=\"https:\/\/heyneo.ch\/en\/service\/zak-pillar-3a-review\/\" type=\"product\" id=\"24138\">Pillar 3a account<\/a> directly accessible from the app. It allows you to invest in one or more sustainable funds, with a customizable risk profile. Management is entrusted to Swisscanto (Bank Cler), with management fees around 1.25% per year. You can make one-off or automatic payments and track the evolution of your 3rd pillar in real time.   <\/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\">Transfer speed with Zak &#8211; send money<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Transfer speed with 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 <strong>Instant transfers<\/strong> with &#8220;Zak Illico&#8221; (Zak user to Zak user).<\/p>\n\n<p>\u25cf An <strong>IBAN transfer<\/strong> from Switzerland to Switzerland or within the <a href=\"https:\/\/heyneo.ch\/en\/news\/sepa-in-switzerland\/\">SEPA<\/a> zone made before 1 PM arrives on the same day. If it&#8217;s made after 1 PM, it arrives the next day. <\/p>\n\n<p>\u25cf A <strong>transfer to a foreign country<\/strong> (outside SEPA) takes 2 days.<\/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; pay with TWINT anywhere in Switzerland<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">TWINT with 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>For quick payments between its users, ZAK offers the Illico feature, but if TWINT is the #1 payment app in Switzerland, it&#8217;s not without reason. TWINT allows you to :<\/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\">Can You Use TWINT with Zak?<\/strong> <p class=\"schema-faq-answer\">Yes. Zak has developed <strong>its own TWINT application<\/strong>, the #1 payment app in Switzerland. <br\/>It allows you to:<br\/>&#8211; Pay in stores<br\/>&#8211; Transfer money between friends<br\/>&#8211; Split a bill within a group (restaurant, outings, etc.)<br\/>&#8211; Pay for parking meters<br\/>&#8211; Pay online and in train stations<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744806316921\"><strong class=\"schema-faq-question\">How to Use TWINT with Zak?<\/strong> <p class=\"schema-faq-answer\">To use TWINT with Zak, you need to use the TWINT application from Bank Clerc directly connected to your Zak account.<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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/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\">Zak Banque fees: card, foreign exchange, transfers, cash withdrawals, etc.<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">ZAK Banque fees<\/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 Free <strong>Bank Account<\/strong><br\/>\u25cf Free CH <strong>IBAN<\/strong><br\/>\u25cf Free Visa Debit <strong>Card<\/strong> issued by Viseca<br\/>\u25cf <strong>Card Blocking<\/strong>: 50 CHF<br\/>\u25cf <strong>Replacement Card<\/strong>: 20 CHF.<\/p>\n\n<p>\u25cf \ud83d\udcb3 <strong>Card payments <\/strong>without transaction fees.<br\/><br\/>\u25cf <strong>Foreign exchange fee<\/strong> of 2% on top of the <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">Visa reference rate<\/a>.<\/p>\n\n<p>\u25cf Free &#8220;Pots&#8221; <strong>virtual sub-accounts<\/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-en-suisse\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><b><strong>Money transfers in Switzerland <\/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 transfers in CHF and EUR are free.<br\/>\u25cf Transfers <strong>outside the SEPA zone<\/strong> are <strong>not available<\/strong> currently<\/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>International transfers <\/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>Transfers in Euros and CHF within the SEPA zone are free of charge (without exchange rate surcharge).<\/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><strong>Please note:<\/strong> payments outside the SEPA zone and in currencies other than CHF and EUR <strong>are not currently available<\/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);\">Cash withdrawals in Switzerland <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 Unlimited cash withdrawals at Banque Cler ATMs.<br\/><br\/>\u25cf At the same time, Zak allows you to <strong>withdraw cash free of charge<\/strong> (CHF min 20.-\/max 300.-) <a href=\"https:\/\/www.coop.ch\/fr\/informations-supplementaires\/retirerdesespeces.html\">from cashiers<\/a> at Coop and Coop City Food supermarkets in Switzerland (subject to a minimum purchase of CHF 10).<br\/><br\/>The monthly withdrawal limit is 10,000 CHF\/month. per withdrawal, this makes a <strong>free withdrawal threshold<\/strong> of 2K\/month. <\/p>\n\n<p><strong>At other ATMs in Switzerland:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Withdrawals in CHF: CHF 2<\/li>\n\n\n\n<li>EUR withdrawals: 5 CHF at Visa reference rate + 2% markup<\/li>\n\n\n\n<li><strong>Zak Plus<\/strong>: in CHF withdrawals are free, but in EUR there is a 2% surcharge on the Visa reference rate.<\/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\">Cash withdrawals abroad<\/mark><\/strong> \ud83c\udf0d<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>5 CHF + 2% Surcharge<\/li>\n\n\n\n<li>Zak Plus: Free<\/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.\nZak Plus &#8211; which one to choose? <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Should I choose Zak Plus?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>We&#8217;ve done the math. To make ZAK Plus profitable, you need : <\/p>\n\n<p>\u2794 Make 4 CHF withdrawals\/month outside Banque Cler ATMs in Switzerland.<\/p>\n\n<p>or<\/p>\n\n<p>\u2794 Make a single withdrawal of EUR 150\/month outside Banque Cler ATMs (in Switzerland or abroad).<\/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>For people who need to withdraw cash abroad, including outside Europe, <strong>Zak Plus may seem more attractive<\/strong>. <br\/>\u2794 Keep in mind that with a 2% surcharge, Zak is much less advantageous abroad than other neobanks.<br\/><br\/><strong>For users who stay in Switzerland<\/strong>, Zak Plus in Switzerland is not particularly justified. We think that with unlimited withdrawals at <a href=\"https:\/\/www.cler.ch\/fr\/services\/agences\">Banque Clerc ATMs<\/a> and the option of withdrawals in the Coop network, it&#8217;s sufficient. <\/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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/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 on the road and abroad<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak on the road<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>With ZAK there are no fees for foreign payments (like with Neon or YUH Bank), but there is a 2% surcharge on the <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">Visa reference rate<\/a>, which easily amounts to 2.5%.<\/p>\n\n<p>Unfortunately, it&#8217;s not possible to associate your card with a jar. For example, a &#8220;travel&#8221; pot in preparation for a vacation. This is a well-thought-out option found at N26.  <\/p>\n\n<p>In short, ZAK is out of the running compared with its competitors YUH Banque and especially NEON Banque, whose exchange fees are minimal or non-existent.<\/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\">Cash deposit on Zak account<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cash deposit<\/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 allows you to deposit cash directly into your account free of charge via Banque Cler ATMs.<\/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 customer service<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Customer service<\/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>Accessibility<\/strong>: by telephone \ud83e\udd33 <strong>Monday to Friday, 8am to 6pm<\/strong>. Response time is fast. <br\/><br\/>No chat. A simple form (the same as on the website) allows you to contact the support team, also reachable by email at support.zak@cler.ch. Clearly, if you need quick answers on the weekend, you&#8217;ll have to rely on online help. Even if the service is of good quality, it&#8217;s not truly what neobank customers expect.   <\/p>\n\n<p>\u25cf <strong>Reported experience<\/strong>: Zak has an eye for detail and the waiting time is virtually nil. Based on all our interactions in French, the agents are good listeners and don&#8217;t hesitate to go for specific answers. <\/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 banque<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cashback in the Zak offer<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>The cashback offer is interesting. Simply open the \u201cZak Store\u201d (<strong>+<\/strong> sign at the bottom right of the screen) then click on \u201cCashback\u201d to be redirected to the <a href=\"http:\/\/www.shopmate.cash\">shopemate.cash<\/a> page to take advantage of offers from 250 partner merchants (MediaMarkt, Booking, Ochsner Sport, etc.). <\/p>\n\n<p>Refunds Are Credited Directly to the Zak Account<\/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\">Good reasons to open an account with Zak Banque<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Select Zak account<\/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 is a locally-oriented bank, and that&#8217;s a good thing. It covers all everyday needs and lets you organize your money in pots. Sound familiar? Try searching for videos of <a href=\"https:\/\/www.youtube.com\/results?search_query=cash+envelope+stuffing+\">cash stuffing<\/a> challenges and you might change your mind.   <\/p>\n\n<p>Free + physical branches (Cler Bank) available to users = a huge confidence-building advantage. True to its positioning, Zak is &#8220;only&#8221; available in the national languages (German, French and Italian). Not in English.  <\/p>\n\n<p>Zak&#8217;s strength also lies in cash management. When it comes to withdrawing or depositing, Zak makes it all very easy. <\/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>You can open a free account<\/strong> and receive CHF 25 with the <mark style=\"background-color: #abb8c3;\" class=\"has-inline-color\">code <strong>KNSGS6<\/strong><\/mark> with another app. to enjoy the benefits of each and <a href=\"https:\/\/heyneo.ch\/en\/banks-comparison\/best-online-banks-switzerland\/\">compare banks in real life<\/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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/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; Quick Comparison \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 adapts perfectly to local use in Switzerland: CH IBAN, integrated TWINT, QR-bill management, eBill and LSV are directly accessible from the app. However, it remains limited to CHF, applies fees on foreign currency withdrawals, and does not offer any integrated investment tools. <br\/><br\/>Yuh is more flexible for juggling multiple currencies: CHF, EUR, USD managed in the same account with automatic payments without conversion, but it remains more limited on local payment automations (no LSV, separate TWINT).<\/p>\n\n<p>Zak integrates an investment solution directly into its app with <strong>Zak Invest<\/strong>, giving access to over 12,000 stocks, ETFs and funds on major stock exchanges.<br\/>While the investment universe is broad, the fee structure\u2014with minimum fees per transaction\u2014may be less advantageous than <strong>Yuh Invest<\/strong> for small amounts or very occasional investors.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si\">To be preferred if&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>CHF is mainly used, with a need for direct access to TWINT, eBill and Swiss banking standards: <strong>Zak<\/strong><\/li>\n\n\n\n<li>You travel regularly, receive or spend in EUR\/USD, or want to invest easily without leaving the app: <strong>Yuh<\/strong> (read <a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-review\/\">Yuh review and test<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si\">To avoid if&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>You need an active multi-currency account (Zak only manages CHF)<\/li>\n\n\n\n<li>You want to group local payments and investments in the same interface (unavailable with Zak)<\/li>\n\n\n\n<li>You often use foreign currencies in daily life<\/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-2fbbb947d4e580c06623daa7884fff21\" 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 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">C9QK67<\/mark><\/strong> to <strong>receive 50 CHF in Trading Credit + 250 SWQ <\/strong>(with an initial deposit of CHF 500.-).<br\/><br\/>Free account <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\/en\/download-app\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive 500 SWQ<\/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 \u2013 Quick Comparison \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 covers everyday banking operations in Switzerland very well: native TWINT, QR-bill payments, eBill management, and the ability to set up LSV. However, everything remains limited to CHF: there are no foreign currency accounts, withdrawals outside Switzerland are subject to fees, and there is no option to invest directly from the app. <br\/><br\/>Neon offers an account with no fixed fees, competitive card payments in foreign currencies, and easy access to investments, but remains less integrated with Swiss automatic payments.<\/p>\n\n<p>With <strong>Zak Invest<\/strong>, Zak offers extended access to financial markets, covering over 12,000 securities across stocks, ETFs and funds. The offering stands out for its breadth, with more products than <strong>Neon Invest<\/strong>. However, for small orders, the minimum fees applied can reduce its appeal compared to Neon&#8217;s lighter pricing approach.  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si-1\">To be preferred if&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>You want a smooth app, fully aligned with Swiss standards (TWINT, eBill, LSV): <strong>Zak<\/strong><\/li>\n\n\n\n<li>You regularly pay in EUR, travel or wish to invest occasionally from your account: <strong>Neon<\/strong> (read <a href=\"https:\/\/heyneo.ch\/en\/service\/neon-review\/\">Neon review and test<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si-1\">To avoid if&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>You need a multi-currency account to manage both CHF and other currencies<\/li>\n\n\n\n<li>You use TWINT daily (Neon doesn&#8217;t have native integration)<\/li>\n\n\n\n<li>You&#8217;re looking for a solution that combines payments, savings and investment without multiplying services<\/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-d3f51bd02416641b845efa09a54787de\" 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 Swiss 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 \">Use promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong> to <strong>receive CHF 25<\/strong> when you open your account.<br\/><br\/>Free account <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>Receive CHF 25<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/promo-code\/zak\/\" type=\"post\" id=\"6426\">Zak Promo Code: all the info<\/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\">What do you think of 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>Has the Zak app made your daily life easier? <\/li>\n\n\n\n<li>What feature would you like to customize or improve?  <\/li>\n\n\n\n<li>Is Zak Plus a better choice for you?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Share your feedback<\/mark><\/strong> with all Neo&#8217;s friends \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-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" 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 Review: the local neobank. We tested ZAK in real situations in Switzerland. Strengths\u2026 weaknesses\u2026 banking services\u2026 fees\u2026 features\u2026 pros and cons&#8230; This detailed review saves you precious comparison time.    Use the <strong>promo code KNSGS6<\/strong> when opening your account to <strong>receive 25 CHF<\/strong>.<\/p>\n","protected":false},"author":1,"featured_media":10331,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[399],"product_tag":[],"class_list":{"0":"post-14841","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-online-bank-in-switzerland","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 Review, Test, and Overview (May 2026) + Get 25 CHF<\/title>\n<meta name=\"description\" content=\"Zak Bank Test in 2026: features, fees, security, Zak TWINT. Read our full review before opening a free account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heyneo.ch\/en\/service\/zak-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zak Bank \u2013 Complete Review and Test (May 2026) + get 25 CHF\" \/>\n<meta property=\"og:description\" content=\"Zak Bank Test in 2026: features, fees, security, Zak TWINT. 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It's not possible to individually select ETFs or build your own portfolio.  ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/zak-review\/#faq-question-1772722513208","position":5,"url":"https:\/\/heyneo.ch\/en\/service\/zak-review\/#faq-question-1772722513208","name":"Can you switch from the guaranteed interest account to an invested strategy?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. It's possible to change your approach directly in the app, switching from a guaranteed interest account (0.40%) to a securities investment strategy and vice versa. However, the two cannot be combined in the same account. 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Zak has developed <strong>its own TWINT application<\/strong>, the #1 payment app in Switzerland. <br>It allows you to:<br>- Pay in stores<br>- Transfer money between friends<br>- Split a bill within a group (restaurant, outings, etc.)<br>- Pay for parking meters<br>- Pay online and in train stations","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/zak-review\/#faq-question-1744806316921","position":8,"url":"https:\/\/heyneo.ch\/en\/service\/zak-review\/#faq-question-1744806316921","name":"How to Use TWINT with Zak?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To use TWINT with Zak, you need to use the TWINT application from Bank Clerc directly connected to your Zak account.<br>","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product\/14841","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/comments?post=14841"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media\/10331"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media?parent=14841"}],"wp:term":[{"taxonomy":"store","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/store?post=14841"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_brand?post=14841"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_cat?post=14841"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_tag?post=14841"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}