Bank Cler is a Swiss retail bank headquartered in Basel, part of the Basler Kantonalbank group. With a devastating 1.5/5 rating on Trustpilot from 216 reviews and an 81% one-star rating, customers report severe login problems, unreachable support, and unexplained transaction blocks. Here’s how to log in – when it works.
Quick Access
Login Methods
📱 Mobile App
The Cler Mobile Banking app for smartphones.
- Open Cler Mobile Banking app
- Enter contract number
- Use biometric or password login
💻 Web E-Banking
Access via browser at cler.ch.
- Go to cler.ch/e-banking
- Enter contract number
- Authenticate with ClerSign app
🔐 ClerSign
Separate authentication app required for security.
- Download ClerSign app
- Link to your e-banking
- Approve logins and transactions
🚨 Known Issues (Trustpilot: 1.5/5 – 216 reviews)
Bank Cler has one of the worst Trustpilot ratings of any Swiss bank – 81% of reviews are one-star. The documented issues are severe:
🔴 Chronic Login Failures
“Can’t access my bank” is a recurring complaint. The e-banking system experiences frequent outages that prevent customers from logging in entirely – sometimes for extended periods.
🔴 Unreachable Customer Support
Phone lines are “consistently busy or unreachable.” When the system is down, customers can’t even reach support to find out what’s happening or when it will be fixed.
🔴 Transaction Blocks
Unexplained transfer blocks and declined payments. Customers report their transfers being stopped without explanation, sometimes causing negative account balances.
🟡 No Outage Communication
When systems go down, Bank Cler provides no status updates. Customers are left guessing whether the problem is their device, the app, or a bank-wide outage.
🟡 Confusing App Interface
Users report the app is poorly designed and confusing. Documentation during account setup is insufficient, leading to activation problems.
🟡 Hidden Fees
Customers complain about unclear fee structures and unexpected charges. Transparency about costs is lacking.
Troubleshooting
Can’t Log In?
- “System unavailable” – Likely a bank-wide outage. Unfortunately, Bank Cler rarely communicates these. Try again later.
- ClerSign not responding – Force-close the app and try again. May need to reinstall.
- Contract number rejected – Double-check the number. Contact a branch in person if phone support is unreachable.
- App keeps crashing – Update to latest version. Clear cache. Reinstall as last resort.
Security Tips
- Keep backup bank account – Given the severe access issues reported, don’t rely solely on Bank Cler.
- Screenshot everything – Document blocked transactions and login failures for complaints.
- Know your branch – Physical branches may be your only reliable contact method.
- Never share credentials – Bank Cler won’t ask for your password via email or phone.
😤 What Customers Are Saying
The Bank Cler Zak app has 4.7 out of 5 stars on the iOS App Store based on 12,778 ratings. On Trustpilot, however, Zak has only 1.7/5 (151 reviews). Here are the main themes from real user reviews:
🔴 Post-Update Crashes
“After redesign App constantly disconnects, crashes and spam multiple errors.” The late 2024 redesign caused severe usability issues. “Die App hängt jedes Mal nach der Anmeldung” (App freezes every time after login).
🔴 Login Authentication Issues
New login procedures introduced in late 2024 causing access problems. QR code authentication can take a week. Some users report complete account lockouts.
⚠️ Account Closure Hassle
Closing your account requires traditional mail – no online option. “Clunky app that very often does not allow me to actually log in.” Support only reachable during office hours.
✅ Swiss Pioneer Neobank
Switzerland’s first fully digital bank account (2018). Free to use. Funds protected up to CHF 100,000. Moneyland.ch rates Zak highest among smartphone banks at 8.7/10.
Contact Bank Cler
FAQ
Is Bank Cler safe?
Bank Cler is regulated by FINMA and deposits are protected by Swiss deposit insurance (esisuisse) up to CHF 100,000. However, the operational problems documented in 81% one-star Trustpilot reviews suggest serious reliability concerns.
Why can’t I log into Bank Cler e-banking?
Bank Cler’s e-banking system experiences frequent outages. Check if your ClerSign app is working, and if the problem persists, it may be a bank-wide issue. Unfortunately, Bank Cler rarely communicates about outages.
Who owns Bank Cler?
Bank Cler is owned by Basler Kantonalbank (BKB). It was rebranded from Bank Coop in 2017 as part of a modernization effort.
Why does Bank Cler have such bad reviews?
With 1.5/5 on Trustpilot and 81% one-star ratings, customers primarily complain about chronic login failures, unreachable customer support, unexplained transaction blocks, and lack of communication during outages.
What is ClerSign?
ClerSign is Bank Cler’s authentication app required for e-banking login and transaction approval. It’s separate from the main mobile banking app and must be downloaded and linked to your account.
How do I contact Bank Cler when phone is busy?
If phone lines are unreachable (a common complaint), visit a branch in person or use the contact form on their website. For serious issues, you can file a complaint with FINMA.
Should I switch from Bank Cler?
Given the documented operational problems, many customers have switched. Consider maintaining a backup account with another bank if you stay with Bank Cler to ensure access to your funds.
What was Bank Cler called before?
Bank Cler was formerly known as Bank Coop. It was rebranded in 2017 to target a younger demographic with a modernized image, though operational problems have persisted through the rebrand.
What is Bank Cler’s phone number?
Bank Cler customer service: +41 848 845 245, available Monday-Friday 8:00-18:00. However, many customers report phone lines are consistently busy or unreachable during peak times.
Does Bank Cler offer TWINT?
Yes. Bank Cler supports TWINT for mobile payments in Switzerland. However, given the reported issues with transaction blocks, some users may experience problems linking or using TWINT.
Related Swiss Banks
Compare with other Swiss banks:
- Basler Kantonalbank – Bank Cler’s parent company
- Neon – Swiss digital bank (2.6/5 Trustpilot)
- Yuh – Digital bank alternative (2.7/5 Trustpilot)
- All Swiss Banks – Complete directory
Last Updated on January 6, 2026
URL: https://log-in.me/bank-cler-log-in/