Bank Cler current accounts review

Four current accounts with a range of card choices and linked mobile payment methods.

With four current accounts on offer, Bank Cler just might have the right bank account for you.

This review will cover the available Bank Cler accounts — including a breakdown of their features and fees — to help you decide which account to choose.

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Management Fee

0 €

ATM Withdrawal

Compare Bank Cler accounts

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Bank Cler Private account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

This account offers a multitude of digital banking services with no withdrawal restrictions, making it ideal for day-to-day payments and salary credit.
Bank Cler Private account euro
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    2

  • Mobile payments

0 €
N/A

2

Transact or invest in Euros without having to worry about FX risks.
Bank Cler Foreign currency account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    3

  • Mobile payments

0 €
N/A

3

With competitive FX rates and no withdrawal restrictions, this account is ideal for those who frequently invest or transact in foreign currency.
Bank Cler Youth account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Earn interest on your balance and transact conveniently with this free current account designed for youths below 20 years old.
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About Bank Cler

Bank Cler is a Swiss bank that is a subsidiary of Basler Kantonalbank. Besides bank accounts, it offers a wide range of financial products and services including mortgages and loans, investment plans, pension plans, corporate banking solutions and a savings account.

Bank Cler currently offers four bank accounts which are available to individuals domiciled in Switzerland. The bank’s services are available in German, French and Italian, which makes it a great choice for Germans living in Switzerland.

What bank accounts does Bank Cler offer?

What cards are available with Bank Cler?

The Bank Cler current accounts allow you to link a credit or debit card for a small additional fee. Here are the cards on offer.

  • Maestro card. A debit card that allows you to withdraw cash worldwide in local currency. You can also spend using contactless payments.
  • World Mastercard/Visa. A credit card that allows you to spend and withdraw money worldwide, wherever Mastercards or Visas are accepted.
  • World Mastercard Gold/Visa Gold International. A credit card that allows spending and cash withdrawals in both USD and EUR.
  • Visa Platinum. A Visa card with attractive supplementary features, such as extra secure online shopping.
  • Prepaid Mastercard/Visa. A prepaid card that allows spending in CHF, EUR, or USD.

What fees are there?

With the range of features available, there is also a range of fees that you should keep an eye out for. This includes:

  • Fee for exceeding ATM withdrawal limits. This fee, typically 2%, applies when you withdraw more than your account allows for.
  • Account closing fee. All accounts cost 10 CHF to be closed.
  • Account management fee. With the exception of the Youth account, the current accounts have monthly fees ranging from one to five CHF. This amount depends on if you are already using an existing Bank Cler financial product.
  • Withholding tax. Accounts are subject to a withholding tax of 35% of gross interests income, provided that this is more than 200 CHF
  • Cash withdrawal fees. Some accounts, like the Private EUR account, do not offer free ATM withdrawals. This fee is approximately 3.50 CHF per withdrawal.
  • Card-related fees. This includes monthly card fees, card delivery fees, and card replacement fees.

Do note that this list of fees is not exhaustive and that the costs above may differ depending on how you use your account. We encourage you to get in touch with Bank Cler for more details on your expected costs.

Mobile payments

You can further link your chosen debit/credit card to a mobile payment solution. This way, instead of pulling out your card each time you shop, you can simply wave/tap your device to transact in seconds. These are some commonly-linked mobile payment platforms with Bank Cler cards.

  • Apple Pay. Link your card to Apple Pay for secure, on-the-go payments through your Apple device.
  • Google Pay. Add your card to your Android device and spend with millions of participating Google Pay merchants.
  • Samsung Pay. Using your Samsung device, you can transact securely while saving your membership and loyalty details.
  • SwatchPAY! Link your card to your SwatchPAY! watch for convenient and secure in-store payments.
  • Fitbit Pay and Garmin Pay. By adding your card to the companion smartphone apps, you can make easy payments via your fitness wearables.
  • TWINT. This free Swiss app allows you to make quick payments both online and in-store.

Pros and cons of Bank Cler bank accounts

Pros

  • A good range of accounts that cover an array of spending needs
  • Accounts come with the Zak mobile banking app and add-on cards which may be linked to mobile payment solutions
  • Free monthly bank statements and generous account withdrawals

Cons

  • Account services only available in German, French, and Italian
  • Accounts are only available to residents domiciled in Switzerland

How to sign up with Bank Cler

Select the account you want and fill in the online form. You’ll need to provide personal details including your name, date of birth, and address.

Once you’ve submitted the form, a representative will get in touch to help you sign up for the account. You may be asked for additional details and documentation, such as your national ID. At this stage, you’d be able to request the card that you want, as well as set up online and mobile banking features.

The verdict

Bank Cler stands out in offering a good range of current accounts with a selection of cards and linked third-party mobile payment solutions. It is a great choice for Switzerland-based Germans who prefer fuss-free transactions.

Compare Cler with other digital banks in Germany

1 - 9 of 9
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Nuri Bank Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 14 days

1

Receive €10 when you apply for a Nuri bank account and card. T&C applies

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
  • Management Fee

    0 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
  • Management Fee

    0 €

  • Card delivery

    5 to 7 working days

  • Supported currencies

    1

  • Mobile payments

0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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1 - 12 of 12
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
  • Management Fee

    3 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
  • Management Fee

    3.95 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
  • Management Fee

    17.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

17.99 €
Up to working 10 days

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
  • Management Fee

    7 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
bunq Easy Money Personal
  • Management Fee

    8.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

8.99 €
Up to working 10 days

19

A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
Vivid Premium
  • Management Fee

    9.90 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

9.90 €
4-5 days

1

A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100 € cashback per month.
N26 You
  • Management Fee

    9.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

9.90 €
Up to 10 working days

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
bunq Easy Bank Personal
  • Management Fee

    2.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

2.99 €
Up to working 10 days

19

Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
Tomorrow Zero
  • Management Fee

    15 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

15 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month.
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Please note these products are not licenced as banks. Check our product review pages for details.

1 - 12 of 12
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Revolut Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    27

  • Mobile payments

0 €
Up to 9 working days

27

Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 working days

  • Supported currencies

    19

  • Mobile payments

0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Monese Starter
  • Management Fee

    0 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

0 €
Up to 3 working days

2

Get 10 Euros when you top up your Monese account with the code FINDER22.

A dual currency account with no foreign currency fees up to €2,000 per month. Features include budgeting tools and multilingual support.
Revolut Plus
  • Management Fee

    2.99 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    25

  • Mobile payments

2.99 €
Up to 9 working days

25

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
Wirex Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Monese Premium
  • Management Fee

    14.95 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

14.95 €
Up to 3 working days

2

Get 10 Euros when you top up your Monese account with the code FINDER22.

A premium card with no fee for international payments, no foreign currency fees, and unlimited ATM withdrawals at home and abroad.
Revolut Premium
  • Management Fee

    7.99 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    28

  • Mobile payments

7.99 €
Up to 3 working days

28

A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies.
Wirex Premium
  • Management Fee

    9.99 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

9.99 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
Wirex Elite
  • Management Fee

    29.99 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

29.99 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
Revolut Metal
  • Management Fee

    13.99 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    29

  • Mobile payments

13.99 €
Up to 3 working days

29

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
Monese Classic
  • Management Fee

    5.95 €

  • Card delivery

    Up to 3 working days

  • Supported currencies

    2

  • Mobile payments

5.95 €
Up to 3 working days

2

Get 10 Euros when you top up your Monese account with the code FINDER22.

A dual currency card designed for travellers with no foreign currency fees up to and foreign transfers in several currencies.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
  • Management Fee

    5.82 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

5.82 €
3-5 business days

1

VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
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*You must transfer at least 3 salary payments (wages, salary, pension, salary, BAföG) of at least 1,000 € per month by 31 March 2021.

*Openbank Black Friday promotion conditions: Only available to the first 2,000 customers who open an Open Payment Account and deposit at least €300 before 27 November 2020. Check Openbank’s website for full conditions.

Frequently asked questions

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