Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Bank Cler current accounts review

Last updated:  

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.

€0

Monthly fee

€0

ATM fee for Euro withdrawals

Details

Product NameBank Cler Private account
Monthly fee€0
Card deliveryN/A
Supported currencies

1

Card fee€0
ATM fee for Euro withdrawals€0
Mobile paymentsApple Pay,Google Pay
Card typeMastercard,Maestro
More Info
Product NameBank Cler Youth account
Monthly fee€0
Card deliveryN/A
Supported currencies

1

Card fee€0
ATM fee for Euro withdrawals€0
Mobile paymentsApple Pay,Google Pay
Card typeMastercard,Maestro
More Info
Product NameBank Cler Private account euro
Monthly fee€0
Card deliveryN/A
Supported currencies

1

ATM fee for Euro withdrawals€3.50
ATM fee for other currencies1%
Mobile paymentsApple Pay,Google Pay
Card typeMastercard,Maestro
More Info
Product NameBank Cler Foreign currency account
Monthly fee€0
Card deliveryN/A
Supported currencies

1

ATM fee for Euro withdrawals€20
ATM fee for other currencies1%
Mobile paymentsApple Pay,Google Pay
Card typeMastercard,Maestro
More Info

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

    Compare Cler with other digital banks in Germany

    Data indicated here is updated regularly
    Name Product Monthly fee Card delivery Supported currencies
    Comdirect Bank Current Account
    €0
    N/A
    EUR
    A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
    Commerzbank Kostenloses Girokonto
    €0
    3 to 4 business days
    EUR

    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.
    N26 Standard
    €0
    Up to 10 working days
    EUR
    Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
    1822MOBILE Account
    1822MOBILE Account
    €0
    N/A
    EUR
    Free account management, up to € 100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
    loading

    Compare up to 4 providers

    Data indicated here is updated regularly
    Name Product Monthly fee Card delivery Supported currencies
    N26 You
    €9.90
    Up to 10 working days
    EUR
    A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
    Tomorrow Zero
    €15
    3-5 business days
    EUR
    A free Visa debit card with free transactions across the globe and unlimited free ATM withdrawals per month.
    N26 Metal
    €16.90
    Up to 10 working days
    EUR
    Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
    TARGOBANK Online-Account
    €3.95
    N/A
    EUR
    An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
    loading

    Compare up to 4 providers

    Data indicated here is updated regularly
    Name Product Monthly fee Card delivery Supported currencies
    bunq easyTravel Personal
    €0
    Up to working 10 days
    EUR
    A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
    loading

    Compare up to 4 providers

    Please note these products are not licenced as banks. Check our product review pages for details.
    Data indicated here is updated regularly
    Name Product Monthly fee Card delivery Supported currencies
    Holvi Starter
    €0
    Up to 10 business days
    EUR
    An online account ideal for new businesses with €0 monthly fees and unlimited SEPA transfers. Includes a Holvi Business debit Mastercard.
    VIABUY Prepaid Mastercard
    VIABUY Prepaid Mastercard
    €1.65
    3-5 business days
    EUR
    VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
    Holvi Grower
    €12
    Up to 10 business days
    EUR
    A full online business account with unlimited SEPA transfers, unlimited invoicing and up to three Holvi Business Debit Mastercards.
    Revolut Standard
    €0
    Up to 9 working days
    GBP,SEK,PLN,CHF,DKK,NOK,USD,CZK,CAD,AUD,RON,EUR
    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.
    loading

    Compare up to 4 providers

    *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.

    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.

    Frequently asked questions

    Go to site