{"id":14874,"date":"2025-01-10T17:11:02","date_gmt":"2025-01-10T16:11:02","guid":{"rendered":"https:\/\/heyneo.ch\/banques-en-ligne\/zak-banca-recensione-2024\/"},"modified":"2026-05-07T11:12:53","modified_gmt":"2026-05-07T09:12:53","slug":"zak-recensione","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/","title":{"rendered":"Zak banca \u2013 Opinioni, Test e Recensione Completa (Maggio 2026) + Ricevi 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=\"L'offerta di ZAK banque\"><a class=\"gs-scrollto\" href=\"#1-offre-zak-banque\">Offerta di ZAK banque<\/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=\"Sicurezza: le garanzie di Zak\"><a class=\"gs-scrollto\" href=\"#2-securite-zak\">Sicurezza: le garanzie di Zak<\/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=\"Aprire un conto presso lo ZAK\"><a class=\"gs-scrollto\" href=\"#3-ouverture-de-compte-zak\">Aprire un conto presso lo 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=\"La carta bancaria Zak\"><a class=\"gs-scrollto\" href=\"#4-carte-bancaire-zak\">La carta bancaria Zak<\/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=\"Le caratteristiche dell'applicazione ZAK\"><a class=\"gs-scrollto\" href=\"#5-fonctionnalites-application-zak\">Caratteristiche dell&#8217;applicazione ZAK<\/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=\"Pilastro 3a Zak\"><a class=\"gs-scrollto\" href=\"#6-zak-3a\">Pilastro 3a Zak<\/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=\"Tassi di interesse del conto Zak\"><a class=\"gs-scrollto\" href=\"#7-taux-interets-compte-zak\">Tassi d&#8217;interesse del conto Zak<\/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=\"Trasferimenti veloci con Zak\"><a class=\"gs-scrollto\" href=\"#8-rapidite-virements-zak\">Rapidit\u00e0 dei bonifici con 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 con Zak\"><a class=\"gs-scrollto\" href=\"#9-twint-zak\">TWINT con 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=\"Commissioni di ZAK Banque\"><a class=\"gs-scrollto\" href=\"#10-frais-zak-banque\">Le commissioni di ZAK Banque<\/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=\"Dovrei scegliere Zak Plus?\"><a class=\"gs-scrollto\" href=\"#11-zak-plus\">Conviene scegliere 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 in viaggio\"><a class=\"gs-scrollto\" href=\"#12-zak-en-voyage\">Zak in viaggio<\/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=\"Deposito di contanti\"><a class=\"gs-scrollto\" href=\"#13-depot-argent-liquide\">Depositare denaro contante<\/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=\"Servizio clienti\"><a class=\"gs-scrollto\" href=\"#14-service-client-zak\">Il servizio clienti<\/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 nell'offerta Zak\"><a class=\"gs-scrollto\" href=\"#15-cashback-zak\">Cashback nell&#8217;offerta Zak<\/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=\"Scegli l'account Zak\"><a class=\"gs-scrollto\" href=\"#16-choisir-le-compte-zak\">Scegliere il conto Zak<\/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=\"Cosa ne pensi di Zak?\"><a class=\"gs-scrollto\" href=\"#que-pensez-vous-de-zak\">Cosa ne pensi di 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;}@media (max-width:991.98px){.gspb_text-id-gsbp-0c634146-82ff{font-weight:bold!important;}}@media (max-width:767.98px){.gspb_text-id-gsbp-0c634146-82ff{font-weight:bold!important;}}@media (max-width:575.98px){.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 \">Forze<\/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 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\">Il conto gratuito in Svizzera<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><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\">Deposito di denaro gratuito<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><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\">Creare vasi condivisi<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><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\">La rete di prelievo di contanti<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"4\"><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\">Investimenti integrati (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;}@media (max-width:991.98px){.gspb_text-id-gsbp-687dee4b-237b{font-weight:bold!important;}}@media (max-width:767.98px){.gspb_text-id-gsbp-687dee4b-237b{font-weight:bold!important;}}@media (max-width:575.98px){.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 \">Punti deboli<\/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 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 disponibile in inglese<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><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\">Gestione delle mappe con altre app.<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><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 adatto ai viaggi<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><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 \u00e8 possibile effettuare pagamenti non-SEPA<\/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>Aggiornamento \u2013 24.02.2026:<\/em> Soluzioni d&#8217;investimento integrate tramite Zak Invest]<br\/>[<em>Aggiornamento \u2013 07.02.2026:<\/em> Codice promo Zak]<br\/>[<em>Aggiornamento \u2013 03.02.2026: Rimozione del confronto Zak VS Radicant, a seguito della chiusura di Radicant<\/em>]<br\/>[<em>Aggiornamento \u2013 10.11.2025: Presentazione dell&#8217;offerta 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\">Sintesi dell&#8217;offerta di Zak Banque<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;offerta di ZAK banque<\/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; Recensione focalizzata sui servizi bancari di Zak.<br\/>&#8211; <a href=\"https:\/\/heyneo.ch\/it\/confronto-tra-banche\/migliori-banche-online-svizzere\/\" type=\"post\" id=\"3912\">Confronta tutte le banche online in Svizzera<\/a> contemporaneamente.<\/p>\n<\/div>\n<\/div><\/div><\/div>\n\n<p>ZAK \u00e8 la prima banca puramente mobile apparsa in Svizzera (2018). Offre funzioni per pianificare il tuo budget (da solo o con altri) in tempo reale. Zak si basa su Banque Cler per i servizi finanziari.  <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"zak-free-le-compte-et-la-carte\">Zak Free &#8211; il conto e la carta \ud83d\udcb3<\/h3>\n\n<p>0 CHF\/mese<\/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 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>conto corrente gratuito<\/strong> in Svizzera<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"1\"><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>carta di<\/strong> debito <strong>Visa<\/strong> gratuita<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"2\"><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>pagamenti gratuiti<\/strong> (senza supplementi per il tasso di cambio)<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"3\"><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>IBAN svizzero<\/strong> gratuito<\/span><\/div><div class=\"gspb_iconsList__item\" data-id=\"4\"><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>Pilastro 3a<\/strong> e <strong>conto di risparmio<\/strong> fruttifero incluso<\/span><\/div><\/div>\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=\"zak-plus-l-offre-premium\">Zak Plus &#8211; l&#8217;offerta premium<\/h3>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>CHF 8\/mese<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Prelievi gratuiti di contanti in tutto il mondo<\/li>\n\n\n\n<li>Assistenza prioritaria<\/li>\n\n\n\n<li>Compensazione delle emissioni di carbonio<\/li>\n\n\n\n<li>Abolizione delle spese di pagamento all&#8217;estero<\/li>\n\n\n\n<li>Caff\u00e8 gratis nelle filiali della Cler Bank (s\u00ec, s\u00ec \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>.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\">Sicurezza: Zak \u00e8 al sicuro?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sicurezza: le garanzie di Zak<\/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\">Zak \u00e8 una banca?<\/strong> <p class=\"schema-faq-answer\">I servizi bancari sono forniti dalla Banque Clerc SA di Basilea, <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">autorizzata dalla FINMA<\/a>.<br\/>L&#8217;assicurazione svizzera di protezione dei depositi copre fino a 100.000 CHF in caso di fallimento.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1747838937620\"><strong class=\"schema-faq-question\">Zak \u00e8 sicuro?<\/strong> <p class=\"schema-faq-answer\">I dati degli utenti di Zak banque sono conservati in Svizzera.<br\/>Per l \u201caccesso al conto \u00e8 prevista l\u201d autenticazione a due fattori (2FA).<\/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\">3<\/span>\t<\/div>\t<div id=\"3-ouverture-de-compte-zak\">\t\t<h2 class=\"mt0 mb0\">Apri un conto Zak &#8211; Ricevi CHF 25.-.<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Aprire un conto presso lo 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 \u00e8 disponibile in francese, tedesco e italiano.<\/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\">Chi pu\u00f2 aprire un conto con Zak banque?<\/strong> <p class=\"schema-faq-answer\">&#8211; Aver compiuto 15 anni (YUH 14 anni, Neon 16 anni)<br\/>&#8211; Risiedere in Svizzera (vedi <a href=\"https:\/\/heyneo.ch\/it\/notizie\/conto-svizzero-non-residente\/\" type=\"post\" id=\"19141\">le banche accessibili ai non residenti<\/a> e ai <a href=\"https:\/\/heyneo.ch\/it\/notizie\/banche-per-frontalieri-quale-scegliere\/\" type=\"post\" id=\"7920\">frontalieri svizzeri<\/a>).<br\/>&#8211; Avere uno smartphone iOS, Android<br\/>&#8211; Nessun giustificativo di reddito n\u00e9 saldo minimo richiesto.<\/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\">Guida passo passo all&#8217;apertura di un conto YUH<\/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>Scarica l&#8217;applicazione ZAK<\/strong><\/h4>\n\n\n\n<p>su<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>Crea un nuovo 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\">Crea una 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\">Conferma il tuo paese di residenza<\/mark><\/mark><\/h4>\n\n\n\n<p>e fornire alcune informazioni aggiuntive:<\/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>Controlla la tua identit\u00e0<\/strong><\/h4>\n\n\n\n<p>L&#8217;intero processo \u00e8 gestito da Swisscom. Per prima cosa viene scannerizzato il documento d&#8217;identit\u00e0: <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>Poi l&#8217;identificazione del video:<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\">Controlla il tuo indirizzo di casa<\/mark><\/strong><\/h4>\n\n\n\n<p>Zak chiede una prova di indirizzo. Fortunatamente c&#8217;\u00e8 l&#8217;imbarazzo della scelta: <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\">Scegli l&#8217;offerta Zak o Zak Plus<\/mark><\/strong><\/h4>\n\n\n\n<p><img decoding=\"async\" class=\"wp-image-5999\" style=\"width: 250px;\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2023\/10\/code-promo-Zak-banque-ouverture-compte-8-scaled.jpeg\" alt=\"\"\/><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"signez-votre-contrat-numeriquement\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Firma il tuo contratto digitalmente<\/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\">Effettua un primo pagamento per attivare il tuo account<\/mark><\/strong><\/h4>\n\n\n\n<p>Per attivare il tuo account, devi effettuare un primo pagamento. L&#8217;account verr\u00e0 attivato entro 2-3 giorni: <\/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\">Inserisci il tuo codice \ud83d\udc47<\/mark><\/strong><\/p>\n\n\n\n<p><strong>Ricevi 25 CHF <\/strong>: vai su &#8220;Impostazioni&#8221;, poi su &#8220;Inserisci codice&#8221; e inserisci il codice <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong><br\/><br\/>Puoi farlo 24 ore dopo l&#8217;SMS di conferma dell&#8217;attivazione del conto e hai a disposizione fino a 30 giorni.<\/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>Riceverai il tuo denaro praticamente in una notte.<\/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\">La carta bancaria Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La carta bancaria Zak<\/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>Ricevi prima la tua carta<\/strong>. Il codice PIN non \u00e8 immediatamente disponibile nell&#8217;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>Il <strong>PIN <\/strong>viene inviato separatamente.<\/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>la carta di debito Zak Visa<\/strong> in breve:<\/span><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Pagamento contactless senza codice fino a 80 CHF\/acquisto. Oltre, il codice \u00e8 necessario.   <\/li>\n\n\n\n<li>Funziona con Apple Pay \/ Google Pay \/ Samsung Pay.<\/li>\n\n\n\n<li>Notifiche push per i pagamenti con carta.<\/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><strong>Per attivare il contactless<\/strong>, devi completare un primo pagamento utilizzando il codice della carta.<\/p>\n\n\n\n<p>Anche se la consegna della carta richiede qualche giorno, <strong>puoi utilizzarla tramite il tuo smartphone<\/strong> o<strong>utilizzare le informazioni di pagamento<\/strong> disponibili nell&#8217;app per effettuare acquisti online.<\/p>\n<\/div><\/div><\/div>\n\n<p>Puoi bloccare temporaneamente la tua carta dall&#8217;app, ma devi recarti al bancomat per cambiare il codice PIN.<br\/><br\/>Il limite predefinito per il prelievo di contanti \u00e8 di 2.000 CHF al giorno o 3.000 CHF al mese, ma pu\u00f2 essere modificato chiamando l&#8217;Assistenza. I pagamenti vengono addebitati sul conto principale (il denaro proveniente da Spaces \u00e8 escluso). <\/p>\n\n<p>Il blocco della carta, anche in caso di smarrimento, comporta un costo di 50 CHF.<\/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\">5<\/span>\t<\/div>\t<div id=\"5-fonctionnalites-application-zak\">\t\t<h2 class=\"mt0 mb0\">Applicazione Zak: caratteristiche<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Le caratteristiche dell&#8217;applicazione ZAK<\/div>\t<\/div><\/div><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=\"l-application-zak-est-riche-est-adaptee-a-toutes-les-situations-en-suisse\"><strong><strong>L&#8217;applicazione Zak \u00e8 ricca<\/strong><\/strong> <strong>si adatta a tutte le <a href=\"https:\/\/heyneo.ch\/it\/notizie\/metodi-pagamento-svizzera\/\">situazioni in Svizzera<\/a><\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Monitoraggio dei movimenti del conto<\/li>\n\n\n\n<li>Notifica push dei movimenti<\/li>\n\n\n\n<li>Fattura elettronica \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Ordini permanenti<\/li>\n\n\n\n<li>Twint<\/li>\n\n\n\n<li>Scansiona i bollettini di pagamento (fatture QR) \ud83c\udde8\ud83c\udded<\/li>\n\n\n\n<li>Trasformare una fattura QR in un ordine permanente<\/li>\n\n\n\n<li>Condividere le coordinate bancarie tramite QR<\/li>\n\n\n\n<li>La funzione PushTAN sostituisce mTAN (sms)<\/li>\n<\/ul>\n\n<p>L&#8217;applicazione ti permette di gestire i budget come gruppo: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Vasi: suddivisione del budget tra diversi vasi<\/li>\n\n\n\n<li>Pots communs: gestisci le spese come gruppo, scopri chi ti deve dei soldi e paga i tuoi debiti in un solo click<\/li>\n\n\n\n<li>Pagamento istantaneo &#8220;Zak Illico&#8221; per inviare o richiedere istantaneamente denaro agli altri utenti dei tuoi contatti.<\/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>E per quanto riguarda la gestione della carta?<\/strong><\/h3>\n\n<p>Devi utilizzare un&#8217;altra applicazione, Viseca One su <a href=\"https:\/\/apps.apple.com\/ch\/app\/one-karten-unter-kontrolle\/id970439160\">iOS<\/a> e <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.viseca.visecaone&amp;hl=de_CH\">Android<\/a>, per :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Richiedi un nuovo codice PIN<\/li>\n\n\n\n<li>Blocca temporaneamente la carta<\/li>\n\n\n\n<li>Attivare\/disattivare il contactless, ecc.<\/li>\n\n\n\n<li>Visualizza la spesa della carta<\/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>Le funzionalit\u00e0 che mancano:<\/strong><br\/>\u2718 La possibilit\u00e0 di modificare i limiti giornalieri o mensili della carta direttamente nell&#8217;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 Investire con Zak \u2013 Zak Invest<\/h3>\n\n<p>Da gennaio 2026, Zak permette ora di investire direttamente dall&#8217;applicazione tramite <strong>Zak Invest<\/strong> 8.<\/p>\n\n<p>\u00c8 possibile accedere a:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Oltre <strong>12&#8217;000 azioni<\/strong><\/li>\n\n\n\n<li><strong>ETF<\/strong><\/li>\n\n\n\n<li><strong>Fondi d&#8217;investimento<\/strong><\/li>\n\n\n\n<li>Le principali piazze borsistiche mondiali<\/li>\n<\/ul>\n\n<p>L&#8217;apertura di Zak Invest avviene direttamente dalla scheda \u00abInvest\u00bb nell&#8217;app.<\/p>\n\n<p id=\"la-structure-des-frais-zak-invest\"><strong>La struttura delle commissioni Zak Invest<\/strong><\/p>\n\n<p>La tariffazione \u00e8 trasparente e comunicata prima della conferma di ogni ordine.<\/p>\n\n<p id=\"actions-etf-six-swiss-exchange\"><strong>Azioni &amp; ETF \u2013 SIX Swiss Exchange<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,25 % (minimo: 5 CHF \/ massimo: 50 CHF)<\/li>\n<\/ul>\n\n<p id=\"actions-etf-autres-places-boursieres\"><strong>Azioni &amp; ETF \u2013 altre piazze borsistiche<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50 % (Minimo: 15 CHF \/ massimo: 300 CHF)<\/li>\n<\/ul>\n\n<p id=\"fonds\"><strong>Fondi<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50 % per transazione (min. 15 CHF)<\/li>\n\n\n\n<li>0,25 % all&#8217;anno sul deposito<\/li>\n<\/ul>\n\n<p>Zak mostra chiaramente il costo stimato prima dell&#8217;esecuzione, migliorando la leggibilit\u00e0 per gli investitori principianti.<\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\">Gli utenti di <strong>Zak Plus<\/strong> beneficiano di uno <strong>sconto aggiuntivo del 50 % sulle commissioni di negoziazione<\/strong>. Questo pu\u00f2 rendere l&#8217;offerta pi\u00f9 competitiva per gli investitori attivi. <\/p>\n\n<p id=\"h-les-utilisateurs-de-zak-plus-beneficient-de-50-de-reduction-supplementaire-sur-les-frais-de-negoce-8\">In sintesi:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Numero di titoli<\/td><td>+ di 12&#8217;000<\/td><\/tr><tr><td>Azioni &amp; ETF SIX<\/td><td>0,25 % (min 5 CHF)<\/td><\/tr><tr><td>Azioni altre borse<\/td><td>0,50 %<\/td><\/tr><tr><td>Fondi<\/td><td>0,50 % + 0,25 %\/anno<\/td><\/tr><tr><td>Sconto Zak Plus<\/td><td>-50 % commissioni<\/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\">Pilastro 3a Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Pilastro 3a Zak<\/div>\t<\/div><\/div>\n<p>Quando usi gi\u00e0 Zak quotidianamente, la domanda sorge spontanea: il pilastro 3a Zak vale davvero la pena rispetto a soluzioni specializzate come VIAC, finpension o frankly?<\/p>\n\n<p>Zak propone una soluzione di <strong>pilastro 3a integrata direttamente nella sua app bancaria<\/strong> e legata alla Fondazione terzo pilastro della Banca Cler. Puoi aprire e gestire il tuo pilastro 3a senza uscire dall&#8217;app. <\/p>\n\n<p>L&#8217;offerta si basa su due approcci: un conto a tasso garantito (0,40% di interesse annuo) o una strategia di investimento in titoli in base al profilo di rischio.<\/p>\n\n<p>L&#8217;apertura avviene interamente dall&#8217;app mobile. Puoi poi effettuare i versamenti, seguire le performance e modificare l&#8217;allocazione direttamente nell&#8217;applicazione. <\/p>\n\n<p>L&#8217;idea \u00e8 chiara: se usi gi\u00e0 Zak per i tuoi pagamenti e il tuo conto corrente, puoi gestire anche il tuo pilastro 3a nella stessa applicazione.<\/p>\n\n<p>Rispetto alle piattaforme specializzate del pilastro 3a (come VIAC, finpension o frankly), il livello di personalizzazione resta tuttavia pi\u00f9 limitato.<\/p>\n\n<p>Prima di esaminare le strategie di investimento, vediamo rapidamente le condizioni di funzionamento del 3a Zak.<\/p>\n\n<p><strong>Condizioni<\/strong><\/p>\n\n<p>Il funzionamento \u00e8 semplice e interamente mobile. L&#8217;apertura si fa direttamente dall&#8217;app Zak, senza documenti cartacei. <\/p>\n\n<p>Condizioni principali:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Investimento possibile a partire da 1 CHF<\/li>\n\n\n\n<li>Possibilit\u00e0 di versamenti unici o ricorrenti<\/li>\n\n\n\n<li>Fiscalit\u00e0 classica del pilastro 3a<\/li>\n\n\n\n<li>Accessibile solo tramite app mobile<\/li>\n\n\n\n<li>Riservato ai residenti svizzeri con un reddito soggetto all&#8217;AVS<\/li>\n<\/ul>\n\n<p><strong>Strategie di investimento<\/strong><\/p>\n\n<p>Zak propone due approcci diversi:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>Conto a tasso garantito<\/strong>: un conto di previdenza con un tasso garantito dello 0,40%. Questa soluzione privilegia la sicurezza e la stabilit\u00e0, ma il rendimento resta limitato in un contesto di inflazione. <\/li>\n\n\n\n<li><strong>Investimento in titoli<\/strong>: il risparmio pu\u00f2 anche essere investito secondo quattro profili di rischio:<\/li>\n<\/ol>\n\n<ul class=\"wp-block-list\">\n<li>Reddito \u2192 max. 35% di azioni <\/li>\n\n\n\n<li>Equilibrato \u2192 max. 60% di azioni <\/li>\n\n\n\n<li>Crescita \u2192 max. 85% di azioni <\/li>\n\n\n\n<li>Azioni \u2192 fino al 100% di azioni<\/li>\n<\/ul>\n\n<p>I portafogli sono composti da fondi diversificati con una quota obbligazionaria per i profili pi\u00f9 prudenti. \u00c8 possibile modificare il proprio profilo di rischio direttamente nell&#8217;app. <\/p>\n\n<p>Per contro, l&#8217;offerta resta preconfigurata: non \u00e8 possibile selezionare autonomamente i fondi o costruire il proprio portafoglio.<\/p>\n\n<p><strong>Tasse<\/strong><\/p>\n\n<p>Zak applica una struttura di commissioni semplice:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Nessuna spesa di apertura<\/li>\n\n\n\n<li>Nessuna commissione di versamento<\/li>\n<\/ul>\n\n<p>Sulla parte investita, le commissioni sono di circa l&#8217;<strong>1,25% all&#8217;anno<\/strong>. Con questo livello di costi, Zak 3a \u00e8 nettamente pi\u00f9 caro delle piattaforme specializzate del pilastro 3a digitale come <strong>VIAC (\u22480,38%), finpension (\u22480,39%) o frankly (\u22480,45%)<\/strong>. Queste soluzioni permettono generalmente un&#8217;allocazione pi\u00f9 flessibile e costi inferiori.  <\/p>\n\n<p>Il posizionamento \u00e8 quindi chiaro: una soluzione pratica e integrata, ma non ottimizzata per ridurre al minimo i costi.<\/p>\n\n<p><strong>Zak 3a conviene se:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Usi gi\u00e0 Zak e vuoi centralizzare la tua previdenza nella stessa app<\/li>\n\n\n\n<li>Cerchi una soluzione semplice, interamente mobile<\/li>\n\n\n\n<li>Apprezzi la possibilit\u00e0 di scegliere tra tasso garantito e investimento in titoli<\/li>\n<\/ul>\n\n<p><strong>\u00c8 meno adatto se:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Vuoi ridurre al minimo i costi<\/li>\n\n\n\n<li>Desideri scegliere autonomamente gli ETF o la costruzione dell&#8217;allocazione<\/li>\n<\/ul>\n\n<p>In pratica, Zak 3a funziona soprattutto come una soluzione di previdenza semplice per gli utenti dell&#8217;app. L&#8217;integrazione \u00e8 fluida e la gestione resta intuitiva, con la possibilit\u00e0 di scegliere tra un conto a tasso garantito o una strategia investita. <\/p>\n\n<p>Per contro, le commissioni intorno all&#8217;<strong>1,25% all&#8217;anno<\/strong> sono nettamente pi\u00f9 elevate di quelle delle piattaforme specializzate del pilastro 3a digitale come <strong>VIAC, finpension o frankly<\/strong>.<\/p>\n\n<p>Zak 3a resta quindi interessante per centralizzare la previdenza nella stessa applicazione, ma meno adatto se l&#8217;obiettivo \u00e8 ottimizzare al massimo i costi e la personalizzazione.<\/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>\u00c8 possibile scegliere i propri fondi o ETF con Zak 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Con Zak, l&#8217;allocazione \u00e8 preconfigurata in base ai profili di rischio (Reddito, Equilibrato, Crescita, Azioni). Non \u00e8 possibile selezionare individualmente gli ETF o costruire il proprio portafoglio.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722513208\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 passare dal conto a tasso garantito a una strategia investita?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec. \u00c8 possibile cambiare approccio direttamente nell&#8217;app, passando da un conto a tasso garantito (0,40%) a una strategia investita in titoli e viceversa. Per contro, le due opzioni non possono essere combinate in un unico conto. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772722526218\"><strong class=\"schema-faq-question\"><strong>Il pilastro 3a Zak \u00e8 interessante?<\/strong><\/strong> <p class=\"schema-faq-answer\">Il pilastro 3a Zak \u00e8 interessante per gli utenti dell&#8217;app Zak che desiderano centralizzare il conto bancario e la previdenza in un&#8217;unica app. Per contro, le sue commissioni intorno all&#8217;1,25% sono elevate. <\/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\">Tassi di interesse offerti dal conto Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Tassi di interesse del conto 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 offre un tasso dello <strong>0,3%<\/strong> fino a 100.000 CHF e dello <strong>0,8%<\/strong> su \u201cPrevidenza in Zak\u201d (pilastro 3a) indipendentemente dall\u2019importo.<\/p>\n\n<p>Zak propone anche un <a href=\"https:\/\/heyneo.ch\/it\/?post_type=product&amp;p=24141\" type=\"product\" id=\"24138\">conto pilastro 3a<\/a> accessibile direttamente dall&#8217;app. Permette di investire in uno o pi\u00f9 fondi sostenibili, con un profilo di rischio personalizzabile. La gestione \u00e8 affidata a Swisscanto (Banca Cler), con commissioni di gestione intorno all&#8217;1,25% all&#8217;anno. \u00c8 possibile versare occasionalmente o automaticamente e seguire l&#8217;evoluzione del proprio 3\u00b0 pilastro in tempo reale.   <\/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\">Trasferimenti veloci con Zak &#8211; invio di denaro<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Trasferimenti veloci con 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><strong>\u25cf Trasferimenti istantanei<\/strong> con &#8220;Zak Illico&#8221; (da utente Zak a utente Zak).<\/p>\n\n<p>Un <strong>bonifico IBAN<\/strong> dalla Svizzera alla Svizzera o all&#8217;interno della zona <a href=\"https:\/\/heyneo.ch\/it\/notizie\/sepa-in-svizzera\/\">SEPA<\/a> effettuato prima delle 13:00 arriva il giorno stesso. Se viene effettuato dopo le 13:00, arriva il giorno successivo. <\/p>\n\n<p>Un <strong>bonifico verso un paese estero<\/strong> (al di fuori della SEPA) richiede 2 giorni.<\/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\">9<\/span>\t<\/div>\t<div id=\"9-twint-zak\">\t\t<h2 class=\"mt0 mb0\">Zak Twint &#8211; paga con TWINT ovunque in Svizzera<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">TWINT con 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>ZAK offre la funzione Illico per i pagamenti veloci tra utenti, ma ci sono buoni motivi per cui TWINT \u00e8 l&#8217;app di pagamento numero uno in Svizzera. TWINT ti permette di :<\/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\">Posso usare TWINT con Zak?<\/strong> <p class=\"schema-faq-answer\">S\u00ec. Zak ha sviluppato <strong>la propria applicazione TWINT<\/strong>, l \u201capplicazione di pagamento numero 1 in Svizzera. <br\/>Ti permette di:<br\/>&#8211; Pagare nei negozi<br\/>&#8211; Trasferire denaro tra amici<br\/>&#8211; Condividere un conto all\u201d interno di un gruppo (ristorante, gite, ecc.)<br\/>&#8211; Pagare i parcometri<br\/>&#8211; Pagare online e nelle stazioni<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1744806316921\"><strong class=\"schema-faq-question\">Come si usa TWINT con Zak?<\/strong> <p class=\"schema-faq-answer\">Per utilizzare TWINT su Zak, devi utilizzare l&#8217;applicazione TWINT di Banque Clerc collegata direttamente al tuo conto Zak.<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 BANQUE 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>.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\">Le spese di Zak Banque: carta, cambio valuta, trasferimenti, prelievi di contanti, ecc.<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Commissioni di ZAK Banque<\/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>Conto corrente<\/strong> gratuito<br\/>\u25cf <strong>IBAN<\/strong> CH gratuito<br\/>\u25cf <strong>Carta di<\/strong> debito Visa gratuita emessa da Viseca<br\/>\u25cf <strong>Blocco della carta<\/strong>: 50 CHF<br\/>\u25cf<strong>Carta sostitutiva<\/strong>: 20 CHF.<\/p>\n\n<p>\u25cf <strong>Pagamenti con carta <\/strong>senza commissioni di transazione.<br\/><br\/>\u25cf<strong>Commissione di cambio<\/strong> del 2% in aggiunta al <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">tasso di riferimento Visa<\/a>.<\/p>\n\n<p><strong>Sottoconti virtuali<\/strong> &#8220;Pots&#8221; gratuiti<\/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>Trasferimenti in Svizzera <\/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>I bonifici IBAN in CHF ed EUR sono gratuiti.<br\/>\u25cf I bonifici <strong>al di fuori della zona SEPA<\/strong> non sono attualmente <strong>disponibili <\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"virements-internationaux\"><mark style=\"background-color: rgba(0, 0, 0, 0);\" class=\"has-inline-color has-secondary-color\"><strong>Trasferimenti internazionali <\/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>I trasferimenti in Euro e CHF all&#8217;interno della zona SEPA sono gratuiti (senza supplemento per il tasso di cambio).<\/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>Nota bene: i<\/strong> pagamenti al di fuori della zona SEPA e in valute diverse da CHF ed EUR non sono attualmente <strong>disponibili<\/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);\">Prelievi di contanti in Svizzera <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 Prelievi illimitati di contanti presso gli sportelli automatici di Banque Cler.<br\/><br\/>\u25cf Allo stesso tempo, Zak ti permette di <strong>prelevare gratuitamente contanti<\/strong> (CHF min 20.-\/max 300.-) <a href=\"https:\/\/www.coop.ch\/fr\/informations-supplementaires\/retirerdesespeces.html\">presso le casse<\/a> dei supermercati Coop e Coop City Food in Svizzera (con un acquisto minimo di CHF 10.-).<br\/><br\/>Il limite di prelievo mensile \u00e8 di 10.000 CHF al mese, con una <strong>soglia di<\/strong> prelievo <strong>gratuito<\/strong> di 2.000 CHF al mese. <\/p>\n\n<p><strong>Presso altri bancomat in Svizzera :<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Prelievi in CHF: CHF 2<\/li>\n\n\n\n<li>Prelievi in EUR: CHF 5 al tasso di riferimento Visa + supplemento del 2%.<\/li>\n\n\n\n<li><strong>Zak Plus<\/strong>: in CHF i prelievi sono gratuiti, ma in EUR c&#8217;\u00e8 un supplemento del 2% sul tasso di riferimento Visa.<\/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\">Prelievi di contanti all&#8217;estero<\/mark><\/strong> \ud83c\udf0d<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>5 CHF + 2% di supplemento<\/li>\n\n\n\n<li>Zak Plus : gratis<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">11<\/span>\t<\/div>\t<div id=\"11-zak-plus\">\t\t<h2 class=\"mt0 mb0\">Zak vs. Zak Plus: quale scegliere? <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Dovrei scegliere 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>Abbiamo fatto i calcoli. Per rendere ZAK Plus redditizio, hai bisogno di : <\/p>\n\n<p>\u2794 Effettua 4 prelievi di CHF al mese al di fuori dei bancomat della Banque Cler in Svizzera.<\/p>\n\n<p>o<\/p>\n\n<p>\u2794 Effettua un unico prelievo di 150 euro al mese al di fuori degli sportelli automatici della Banque Cler (in Svizzera o all&#8217;estero).<\/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>Per le persone che devono prelevare contanti all&#8217;estero, anche al di fuori dell&#8217;Europa, <strong>Zak Plus pu\u00f2 sembrare pi\u00f9 interessante<\/strong>. <br\/>\u2794 Tieni presente che, con un supplemento del 2%, Zak \u00e8 molto meno vantaggiosa all&#8217;estero rispetto alle altre neobanche.<br\/><br\/><strong>Per gli utenti che rimangono in Svizzera<\/strong>, Zak Plus in Svizzera non \u00e8 particolarmente giustificato. Riteniamo che con i prelievi illimitati presso gli <a href=\"https:\/\/www.cler.ch\/fr\/services\/agences\">sportelli automatici della Banque Clerc<\/a> e l&#8217;opzione di prelievo nella rete Coop, sia sufficiente. <\/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>.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 in viaggio e all&#8217;estero<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Zak in viaggio<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Presso lo ZAK non ci sono spese per i pagamenti all&#8217;estero (come presso Neon o YUH Banque), ma c&#8217;\u00e8 un supplemento del 2% sul <a href=\"https:\/\/www.visa.fr\/aide-visa\/consommateur\/services-de-voyage-visa\/exchange-rate-calculator.html\">tasso di riferimento Visa<\/a>, quindi facilmente il 2,5%.<\/p>\n\n<p>Purtroppo non \u00e8 possibile associare la carta a un piatto. Ad esempio, un piatto &#8220;da viaggio&#8221; in vista delle vacanze. Questa \u00e8 un&#8217;opzione ben studiata da N26.  <\/p>\n\n<p>In breve, ZAK \u00e8 fuori gioco rispetto ai suoi concorrenti YUH Banque e soprattutto NEON Banque, le cui commissioni di cambio sono minime o inesistenti.<\/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\">Deposito di denaro sul conto di Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Deposito di contanti<\/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 ti permette di depositare gratuitamente contanti direttamente sul tuo conto tramite gli sportelli automatici di Banque Cler.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">14<\/span>\t<\/div>\t<div id=\"14-service-client-zak\">\t\t<h2 class=\"mt0 mb0\">Servizio clienti Zak<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Servizio clienti<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\ud83e\udd33 \u25cf <strong>Accessibilit\u00e0<\/strong>: per telefono <strong>dal<\/strong> <strong>luned\u00ec al venerd\u00ec, dalle 8:00 alle 18:00<\/strong>. I tempi di risposta sono rapidi. <br\/><br\/>Nessuna chat. Un semplice modulo (lo stesso del sito web) permette di contattare il team di supporto, raggiungibile anche via email support.zak@cler.ch. In chiaro, se hai bisogno di risposte rapide nel fine settimana, dovrai accontentarti dell&#8217;aiuto online. Anche se il servizio \u00e8 di qualit\u00e0, non \u00e8 esattamente ci\u00f2 che i clienti delle neobanche si aspettano.   <\/p>\n\n<p><strong>\u25cf Esperienza riferita<\/strong>: Zak \u00e8 attento ai dettagli e i tempi di attesa sono praticamente nulli. In base a tutte le nostre interazioni in francese, gli agenti sono bravi ad ascoltare e non esitano a chiedere risposte specifiche. <\/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 nell&#8217;offerta 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>L&#8217;offerta cashback \u00e8 interessante. Basta aprire lo \u201cZak Store\u201d (segno <strong>+<\/strong> in basso a destra dello schermo) e poi cliccare su \u00abCashback\u00bb per essere reindirizzati alla pagina <a href=\"http:\/\/www.shopmate.cash\">shopemate.cash<\/a> e approfittare delle offerte presso 250 negozi partner (MediaMarkt, Booking, Ochsner Sport, ecc.). <\/p>\n\n<p>I rimborsi vengono accreditati direttamente sul conto Zak.<\/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\">Buoni motivi per aprire un conto con Zak Banque<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Scegli l&#8217;account 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 \u00e8 una banca orientata agli utenti locali e questo \u00e8 un aspetto positivo. Copre tutte le tue esigenze quotidiane e ti permette di organizzare il tuo denaro in vasi. Ti sembra poco? Prova a cercare video di sfide <a href=\"https:\/\/www.youtube.com\/results?search_query=cash+envelope+stuffing+\">per riempire i contanti<\/a> e forse cambierai idea.   <\/p>\n\n<p>Gratuit\u00e0 + filiali fisiche (banca Cler) a disposizione degli utenti = un enorme vantaggio in termini di fiducia. Fedele al suo posizionamento, Zak \u00e8 disponibile &#8220;solo&#8221; nelle lingue nazionali (tedesco, francese e italiano). Non in inglese.  <\/p>\n\n<p>Il punto di forza di Zak \u00e8 anche la gestione dei contanti. Quando si tratta di prelevare o depositare, Zak rende tutto molto semplice. <\/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>Puoi aprire un conto gratuitamente<\/strong> e ricevere CHF 25 con il <mark style=\"background-color: #abb8c3;\" class=\"has-inline-color\">codice <strong>KNSGS6<\/strong><\/mark> con un&#8217;altra app. per approfittare dei vantaggi di ciascuna e <a href=\"https:\/\/heyneo.ch\/it\/confronto-tra-banche\/migliori-banche-online-svizzere\/\">confrontare le banche nella vita reale<\/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{margin-bottom:0px;}#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\"><\/div>\n<\/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; confronto di fulmini \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 \u00e8 perfettamente adatto all&#8217;uso locale in Svizzera: IBAN CH, TWINT integrato, gestione delle fatture QR, eBill e LSV sono tutti direttamente accessibili dall&#8217;app. Tuttavia, rimane limitata al CHF, applica commissioni sui prelievi in valuta estera e non offre strumenti di investimento integrati. <br\/><br\/>Yuh \u00e8 pi\u00f9 flessibile quando si tratta di gestire diverse valute: CHF, EUR, USD gestiti nello stesso conto con pagamenti automatici senza conversione, ma rimane pi\u00f9 limitato quando si tratta di automatizzare i pagamenti locali (niente LSV, TWINT separato).<\/p>\n\n<p>Zak integra una soluzione d&#8217;investimento direttamente nella sua applicazione con <strong>Zak Invest<\/strong>, dando accesso a oltre 12&#8217;000 azioni, ETF e fondi sulle principali piazze borsistiche.<br\/>Se l&#8217;universo d&#8217;investimento \u00e8 ampio, la struttura tariffaria, con commissioni minime per transazione, pu\u00f2 essere meno vantaggiosa rispetto a quella di <strong>Yuh Invest<\/strong> per importi ridotti o investitori molto occasionali.<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si\">Meglio se&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>utilizzano principalmente il CHF, con la necessit\u00e0 di accedere direttamente a TWINT, eBill e agli standard bancari svizzeri: <strong>Zak<\/strong><\/li>\n\n\n\n<li>viaggi regolarmente, ricevi o spendi in EUR\/USD o vuoi investire facilmente senza lasciare l&#8217;app: <strong>Yuh<\/strong> (leggi <a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-recensione\/\">la recensione di Yuh<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si\">Evita se&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>\u00e8 necessario avere un conto multivaluta attivo (Zak gestisce solo CHF)<\/li>\n\n\n\n<li>vuoi combinare i pagamenti locali e gli investimenti nella stessa interfaccia (inaccessibile su Zak)<\/li>\n\n\n\n<li>utilizziamo spesso la valuta estera su base giornaliera<\/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\">18<\/span>\t<\/div>\t<div id=\"18-zak-vs-neon\">\t\t<h2 class=\"mt0 mb0\">Zak vs. Neon &#8211; confronto tra lampi di luce \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 offre un&#8217;ottima copertura delle operazioni bancarie quotidiane in Svizzera, con TWINT nativo, pagamento con QR, gestione delle fatture elettroniche e possibilit\u00e0 di impostare addebiti diretti. Ma tutto rimane limitato al CHF: non esiste un conto in valuta estera, i prelievi al di fuori della Svizzera sono soggetti a spese e non c&#8217;\u00e8 la possibilit\u00e0 di investire direttamente dall&#8217;app. <br\/><br\/>Neon offre un conto senza commissioni, pagamenti con carta competitivi in valuta estera e un accesso semplice agli investimenti, ma \u00e8 meno integrato con i pagamenti automatici svizzeri.<\/p>\n\n<p>Con <strong>Zak Invest<\/strong>, Zak propone un accesso esteso ai mercati finanziari, coprendo oltre 12&#8217;000 titoli tra azioni, ETF e fondi. L&#8217;offerta si distingue per la sua ampiezza, superiore in numero di prodotti a <strong>Neon Invest<\/strong>. D&#8217;altra parte, per ordini di importo ridotto, le commissioni minime applicate possono ridurre l&#8217;attrattivit\u00e0 rispetto all&#8217;approccio tariffario pi\u00f9 leggero di Neon.  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"a-privilegier-si-1\">Meglio se&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>vogliamo un&#8217;applicazione fluida, completamente allineata agli standard svizzeri (TWINT, eBill, LSV): <strong>Zak<\/strong><\/li>\n\n\n\n<li>paghi regolarmente in euro, viaggi o desideri investire occasionalmente dal tuo conto: <strong>Neon<\/strong> (leggi la <a href=\"https:\/\/heyneo.ch\/it\/servizio\/neon-recensione\/\">recensione e il test di Neon<\/a>)<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\" id=\"a-eviter-si-1\">Evita se&#8230;<\/h4>\n\n<ul class=\"wp-block-list\">\n<li>hai bisogno di un conto multivaluta per gestire sia il CHF che altre valute<\/li>\n\n\n\n<li>utilizzi TWINT quotidianamente (Neon non ha un&#8217;integrazione nativa)<\/li>\n\n\n\n<li>siamo alla ricerca di una soluzione che combini pagamenti, risparmi e investimenti senza duplicare i servizi<\/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><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-69758ccc86206fc667afa0091b363005\" style=\"font-size:22px\"><strong>Codice Promo Zak<\/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 Banca svizzera\" 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 \">Usa il codice promozionale <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">KNSGS6<\/mark><\/strong><br\/><br\/>per <strong>ricevere 25 franchi<\/strong> all&#8217;apertura del conto. Conto gratuito<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>Ricevi 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/it\/codice-sconto\/zak\/\" type=\"post\" id=\"6426\">Codice promozionale Zak: tutte le 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\">Cosa ne pensi di 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>L&#8217;applicazione. Zak ti ha semplificato la vita? <\/li>\n\n\n\n<li>Quali funzionalit\u00e0 vorresti personalizzare o migliorare?  <\/li>\n\n\n\n<li>Zak Plus \u00e8 una scelta migliore per te?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-0ba34eb{text-align:center;}#gspb_image-id-gsbp-0ba34eb img{vertical-align:top;}#gspb_image-id-gsbp-0ba34eb img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-0ba34eb img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-0ba34eb img{border-style:solid;border-width:18px;border-color:var(--wp--preset--color--vivid-green,#00d084);}#gspb_image-id-gsbp-0ba34eb img{width:custom;}#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-0ba34eb,#gspb_image-id-gsbp-0ba34eb img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-0ba34eb\" id=\"gspb_image-id-gsbp-0ba34eb\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" 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>Recensione di Zak: la neobanca di prossimit\u00e0. Abbiamo testato ZAK in situazioni reali in Svizzera. Punti di forza\u2026 difetti\u2026 servizi bancari\u2026 tariffe\u2026 funzionalit\u00e0\u2026 aspetti positivi e lacune&#8230; Questa recensione dettagliata ti fa risparmiare tempo prezioso nel confronto.    Usa il <strong>codice promo KNSGS6<\/strong> all&#8217;apertura del tuo conto per <strong>ricevere 25 CHF<\/strong>.<\/p>\n","protected":false},"author":1,"featured_media":14543,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[946],"product_tag":[],"class_list":{"0":"post-14874","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-online-banking-in-svizzera","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zak \u2013 Opinioni, Test e Recensione (Maggio 2026) + Ricevi 25 CHF<\/title>\n<meta name=\"description\" content=\"Test di Zak banca nel 2026: funzionalit\u00e0, costi, sicurezza, Zak TWINT. 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Promesse : transparence \/ expertise \/ p\u00e9dagogie.","legalName":"heyneo.ch","publishingPrinciples":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/","actionableFeedbackPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","correctionsPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","ethicsPolicy":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1747838874693","position":1,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1747838874693","name":"Zak \u00e8 una banca?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"I servizi bancari sono forniti dalla Banque Clerc SA di Basilea, <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">autorizzata dalla FINMA<\/a>.<br>L'assicurazione svizzera di protezione dei depositi copre fino a 100.000 CHF in caso di fallimento.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1747838937620","position":2,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1747838937620","name":"Zak \u00e8 sicuro?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"I dati degli utenti di Zak banque sono conservati in Svizzera.<br>Per l \u201caccesso al conto \u00e8 prevista l\u201d autenticazione a due fattori (2FA).","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1748377576111","position":3,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1748377576111","name":"Chi pu\u00f2 aprire un conto con Zak banque?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- Aver compiuto 15 anni (YUH 14 anni, Neon 16 anni)<br>- Risiedere in Svizzera (vedi <a href=\"https:\/\/heyneo.ch\/it\/notizie\/conto-svizzero-non-residente\/\" type=\"post\" id=\"19141\">le banche accessibili ai non residenti<\/a> e ai <a href=\"https:\/\/heyneo.ch\/it\/notizie\/banche-per-frontalieri-quale-scegliere\/\" type=\"post\" id=\"7920\">frontalieri svizzeri<\/a>).<br>- Avere uno smartphone iOS, Android<br>- Nessun giustificativo di reddito n\u00e9 saldo minimo richiesto.","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722494874","position":4,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722494874","name":"\u00c8 possibile scegliere i propri fondi o ETF con Zak 3a?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Con Zak, l'allocazione \u00e8 preconfigurata in base ai profili di rischio (Reddito, Equilibrato, Crescita, Azioni). Non \u00e8 possibile selezionare individualmente gli ETF o costruire il proprio portafoglio.  ","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722513208","position":5,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722513208","name":"Si pu\u00f2 passare dal conto a tasso garantito a una strategia investita?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ec. \u00c8 possibile cambiare approccio direttamente nell'app, passando da un conto a tasso garantito (0,40%) a una strategia investita in titoli e viceversa. Per contro, le due opzioni non possono essere combinate in un unico conto. ","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722526218","position":6,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1772722526218","name":"Il pilastro 3a Zak \u00e8 interessante?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Il pilastro 3a Zak \u00e8 interessante per gli utenti dell'app Zak che desiderano centralizzare il conto bancario e la previdenza in un'unica app. Per contro, le sue commissioni intorno all'1,25% sono elevate. ","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1744806097542","position":7,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1744806097542","name":"Posso usare TWINT con Zak?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"S\u00ec. Zak ha sviluppato <strong>la propria applicazione TWINT<\/strong>, l \u201capplicazione di pagamento numero 1 in Svizzera. <br>Ti permette di:<br>- Pagare nei negozi<br>- Trasferire denaro tra amici<br>- Condividere un conto all\u201d interno di un gruppo (ristorante, gite, ecc.)<br>- Pagare i parcometri<br>- Pagare online e nelle stazioni","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1744806316921","position":8,"url":"https:\/\/heyneo.ch\/it\/servizio\/zak-recensione\/#faq-question-1744806316921","name":"Come si usa TWINT con Zak?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Per utilizzare TWINT su Zak, devi utilizzare l'applicazione TWINT di Banque Clerc collegata direttamente al tuo conto Zak.<br>","inLanguage":"it-IT"},"inLanguage":"it-IT"}]}},"_links":{"self":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product\/14874","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/comments?post=14874"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/media\/14543"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/media?parent=14874"}],"wp:term":[{"taxonomy":"store","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/store?post=14874"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_brand?post=14874"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_cat?post=14874"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_tag?post=14874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}