So, I have been using ZAK for more than two years now.
I transfer the sum I budgeted for daily expenses and small bills there a pay from there.
I like that it works easily with Google Pay and Apple Pay.
I like the common spending tracking that I use together with my wife.
While the app is simple enough, there are a few gripes I have:
- I have to enter an mTAN EVERY SINGLE TIME. Even for known recipients and tiny sums. I just had to enter one for 1.30 CHF. Come on!
- No ebills
- No payment templates, e.g. for payments with reference numbers. If there is no QR code, I have to enter the recipient with address and all. PostFinance does not require this. (I won’t pay anymore bills from here.)
I could never use it as my primary banking app unless I was dirt poor and could not afford 5 CHF for a banking package. It really makes me appreciate PostFinance.
What are your experiences?
Do you have workarounds for my gripes?