Bank Cler AG products, services and reviews

About Bank Cler AG

Bank Cler AG is a Swiss retail bank headquartered in Basel and wholly owned by the Basler Kantonalbank (BKB) Group; it was rebranded from Bank Coop in 2017. The bank focuses on private customers and small businesses, offering current and savings accounts (primarily in CHF with optional EUR), payment services, SEPA and SWIFT transfers, debit and credit cards via a partner issuer, mortgages (fixed-rate and SARON-linked), investment and pension products (including pillar 3a), and e‑banking/mobile banking. Its mobile offering, Zak, targets everyday banking with app-based onboarding and budgeting/sub-account features, while the broader product set is available through standard e-banking and branches across major Swiss regions. Pricing follows a package or à la carte approach typical of Swiss retail banks, with account and card fees unless segment conditions are met; international transfers and card use involve separate charges and FX spreads. Bank Cler is supervised by FINMA and is a member of the Swiss deposit insurance scheme (esisuisse), which protects eligible deposits up to CHF 100,000 per client per bank; unlike its parent, Bank Cler itself does not benefit from a cantonal guarantee. Client onboarding is primarily aimed at residents of Switzerland and is subject to regulatory requirements for identification and tax compliance; cross-border access is limited. Services are provided in German, French, and Italian, with English support more limited. The bank is subject to individual and consolidated supervision within the BKB Group and adheres to Swiss capital, liquidity, and conduct rules; customer access is through branches, service hotlines, and digital channels.