# Zero fees at ZKB
**URL:** https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484
**Category:** Banks, Insurances & Third Pillar
**Created:** [December 20, 2023, 8:17am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484 "2023-12-20T08:17:03Z")
**Posts on this page:** 20
**Page:** 2
### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [December 20, 2023, 5:25pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/21 "2023-12-20T17:25:31Z")
> [@kawansky](#):
>
> However, in both cases, the loss of earnings for these banks would be enormous.
They’re making up for it by not remunerating current accounts 🙂
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### Author:  [@Tia\_0](https://forum.mustachianpost.com/u/Tia_0)
#### Post date: [December 20, 2023, 5:50pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/22 "2023-12-20T17:50:14Z")
We live in Zurich 🙃 I wouldn’t try otherwise, but thinking about how international canton Zurich is I would expect some level of service in English or any other of the federal languages?
Not sure
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### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [December 20, 2023, 6:50pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/23 "2023-12-20T18:50:28Z")
From the article
> Die besten Sparkonten bieten momentan 2 Prozent an.
Where?
Edit: got it. 1st year with CEA
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 20, 2023, 7:26pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/24 "2023-12-20T19:26:14Z")
> [@Tia\_0](#):
>
> We live in Zurich I wouldn’t try otherwise, but thinking about how international canton Zurich is I would expect some level of service in English or any other of the federal languages?
Given it‘s Zurich and the largest cantonal bank, I think you‘ll be fine in English - even though I suppose UBS and Credit Suisse (in addition to some smaller private banks) are more catering to expats that do not speak German. As indicated by their web site and product pages fully available in English. And French/Italian of course, as swiss-wide banks.
I‘d expect most retail banking staff in Zurich to speak usable English. French, I would definitely not be so sure (but assume only spotty French) , and Italian is probably luck of the draw or „we may find someone“ (many second - or third generation Italians live in the canton).
My only personal experience with ZKB is _frankly_ - whose app and paperwork is fully translated into English (except the tax certificate - which makes sense though). And there’s even a setting for French that I haven’t tried.
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### Author:  [@Tia\_0](https://forum.mustachianpost.com/u/Tia_0)
#### Post date: [December 20, 2023, 7:31pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/25 "2023-12-20T19:31:17Z")
Might give it a try in January and see how it goes, thanks!
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [December 20, 2023, 7:42pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/26 "2023-12-20T19:42:35Z")
PS: ZKB‘s mobile banking apps are (unsurprisingly) available in English and German.
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### Author:  [@marcel-burkhard](https://forum.mustachianpost.com/u/marcel-burkhard)
#### Post date: [December 20, 2023, 10:18pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/27 "2023-12-20T22:18:56Z")
Still paying 15.-/Month for my UBS account (1x Debit and 2x Credit Cards). Would be nice if that got cheaper or even free soon. But yes:
> [@ChickenFat](#):
>
> People in switzerland (especially those who are still with a cantonal bank) don’t move their accounts quickly.
In all honesty, I’m not going to close it either way.
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### Author:  [@SwissMousse](https://forum.mustachianpost.com/u/SwissMousse)
#### Post date: [December 21, 2023, 5:38pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/28 "2023-12-21T17:38:19Z")
> [@kawansky](#):
>
> To add a little detail to the article and the various comments, the basic package will no longer be offered. The entry package at ZKB will now be the Silver package. More details and price list :
As I read it, that concerns packages with a credit card.
Does it mean that you cannot open an account with only a debit card? That is unclear to me.
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### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [December 21, 2023, 6:28pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/29 "2023-12-21T18:28:07Z")
When going through the hassle of changing bank accounts, why not go with neon, Yuh etc.? No account fees, no card fees when paying abroad…
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### Author:  [@OrientExpress](https://forum.mustachianpost.com/u/OrientExpress)
#### Post date: [December 21, 2023, 6:29pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/30 "2023-12-21T18:29:22Z")
If I understand correctly:
It will be possible to open account with just a debit card (it was already possible before). You can choose between:
- A ZKB inklusiv package (previously: four levels, now only three). All of them include a credit card.
- Einzelprodukte (now referred to as “ZKB Banking”)
New customers can soon directly open ZKB Banking [here](https://www.zkb.ch/de/lps/private/zahlen/anmeldung-zkb-banking.html).
Existing customers can downgrade [here](https://www.zkb.ch/de/lps/private/zahlen/unser-dankeschoen/bestellung-zkb-banking.html).
Main difference between the old “Einzelprodukte” and the new is “ZKB Banking” is:
- with Einzelprodukte you where charged CHF1/m for each account, and CHF 3.35/m for a debit card.
- with ZKB Banking you can get three accounts and two debit cars for free.
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### Author:  [@xerox5003](https://forum.mustachianpost.com/u/xerox5003)
#### Post date: [December 21, 2023, 7:09pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/31 "2023-12-21T19:09:42Z")
I want to have a solid bank with a/several branch/es I can always go in case shit hits the fan.
Moreover, ZKB is one of the biggest banks we have in Switzerland with a solid reputation.
I use ZKB as main account and for FX relevant cases I use also neon.
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### Author:  [@kawansky](https://forum.mustachianpost.com/u/kawansky)
#### Post date: [December 21, 2023, 8:02pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/32 "2023-12-21T20:02:16Z")
I support this and I’d also add that it’s easier to negotiate certain things directly with a live adviser than through an app (I’m thinking in particular of mortgage conditions).
In my experience, face-to-face contact in a branch very often results in better terms than what is available online/through an app. The same is true for insurance, for example (but that’s not the point here).
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### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [December 21, 2023, 8:46pm UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/33 "2023-12-21T20:46:35Z")
OK I can see the benefits in that.
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### Author:  [@SwissMousse](https://forum.mustachianpost.com/u/SwissMousse)
#### Post date: [December 22, 2023, 8:25am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/34 "2023-12-22T08:25:35Z")
Thank you!
Well, that’s exactly perfect (2x personal+debit, 1x joint)
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### Author:  [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)
#### Post date: [December 22, 2023, 8:45am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/35 "2023-12-22T08:45:30Z")
I can’t find anything about joint accounts on their website.
- Are the T&C the same as for a personal private account?
- Is it possible to have a separate debit card for the joint account?
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### Author:  [@OrientExpress](https://forum.mustachianpost.com/u/OrientExpress)
#### Post date: [December 22, 2023, 9:11am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/36 "2023-12-22T09:11:05Z")
I did just open a joint account. I can confirm:
- it is free from 1.1. as well
- visa debit cards are free
- the limit of 3 free accounts/2 free cards is independent of personal accounts. I.e. you can have 3 free accounts in your name and 3 free accounts under two names.
- did not read the complete AGB (who does?), but according to the ZKB guy, they are the same.
note: the new joint account appeared in my (existing) ebanking within minutes
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### Author:  [@Salming](https://forum.mustachianpost.com/u/Salming)
#### Post date: [January 7, 2024, 10:16am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/37 "2024-01-07T10:16:55Z")
What does this exactly mean and why are they implementing this:
“Sie nehmen zur Kenntnis, dass das schweizerische Bankkundengeheimnis und Datenschutzrecht vorliegend keinen Schutz gewährt und entbinden die Bank von deren Wahrung.”
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [January 7, 2024, 10:27am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/38 "2024-01-07T10:27:54Z")
> [@Salming](#):
>
> “Sie nehmen zur Kenntnis, dass das schweizerische Bankkundengeheimnis und Datenschutzrecht vorliegend keinen Schutz gewährt und entbinden die Bank von deren Wahrung.”
Context, you should included context.
That said, it’s usually used when a bank is obliged or chooses to share your data with foreign authorities or service providers.
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### Author:  [@Salming](https://forum.mustachianpost.com/u/Salming)
#### Post date: [January 7, 2024, 11:22am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/40 "2024-01-07T11:22:35Z")
When opening the account at ZKB you have specifically accept this point. Some with banking experience can elaborate on this?
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [January 7, 2024, 11:36am UTC](https://forum.mustachianpost.com/t/zero-fees-at-zkb/11484/41 "2024-01-07T11:36:39Z")
I assumed that that was part of the opening process for this account. But again, the wording suggests that there is a context - which you still did not post.
> [@Salming](#):
>
> “Sie nehmen zur Kenntnis, dass das schweizerische Bankkundengeheimnis und Datenschutzrecht **vorliegend** keinen Schutz gewährt und entbinden die Bank von deren Wahrung.”
I do not believe that ZKB requires a broad “carte blanche” waiver stating that Swiss banking secrecy and data protection law doesn’t apply to you. They can’t just say there’s no banking secrecy or data protection law whatsoever to protect you on this account or customer relationship. I have little doubt that that would illegal.
There must be “_ **vorliegender** _” context - literally: words before and after that - stating in which cases and circumstance you may not be protected by banking secrecy or data protection law.
See for example [here](https://www.zkb.ch/de/rechtliches/datenschutz/bankkundengeheimnis.html) and [here](https://www.zkb.ch/media/dokumente/legal/besondere_bestimmungen_digitale_bankdienstleistungen.pdf), available from their web site.
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