{"id":33790,"date":"2024-05-13T14:30:00","date_gmt":"2024-05-13T12:30:00","guid":{"rendered":"https:\/\/www.schwiizerfranke.com\/?p=33790"},"modified":"2025-10-27T07:17:29","modified_gmt":"2025-10-27T06:17:29","slug":"zak-sparkonto","status":"publish","type":"post","link":"https:\/\/www.schwiizerfranke.com\/en\/zak-sparkonto","title":{"rendered":"Zak savings account in comparison: Why it pays to save digitally"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"33790\" class=\"elementor elementor-33790\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de53d5f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"de53d5f\" data-element_type=\"section\" data-e-type=\"section\" 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data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-664df71b elementor-widget elementor-widget-image\" data-id=\"664df71b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1152\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-2048x1152.png\" class=\"attachment-2048x2048 size-2048x2048 wp-image-33791\" alt=\"Zak Sparkonto Erfahrungen von Zak Sparen Testbericht und Zak Savings Review Zak Sparkonto Erfahrungsbericht Zinsen-2\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-2048x1152.png 2048w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-300x169.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-1024x576.png 1024w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-768x432.png 768w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-1536x864.png 1536w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2024\/05\/Zak-Sparkonto-Erfahrungen-von-Zak-Sparen-Testbericht-und-Zak-Savings-Review-Zak-Sparkonto-Erfahrungsbericht-Zinsen-2-18x10.png 18w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-333c6f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"333c6f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19f83933\" data-id=\"19f83933\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51ef078c elementor-widget elementor-widget-heading\" data-id=\"51ef078c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-large\">Zak Sparkonto im Test: Warum es sich lohnt, digital zu sparen<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb4a4ab elementor-widget elementor-widget-text-editor\" data-id=\"1bb4a4ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Ein Sparkonto mit attraktiven Zinsen er\u00f6ffnen? Daf\u00fcr m\u00fcssen sich viele Schweizerinnen und Schweizer in Bankfilialen begeben, wo sie warten, Formulare ausf\u00fcllen und andere Produkte dankend ablehnen m\u00fcssen. Nicht so auf dem Zak Sparkonto!<\/p><p style=\"text-align: left;\"><strong>Kein Warten am Schalter, keine umst\u00e4ndlichen Formulare.<\/strong> Genau das bietet Zak Sparen mit dem neuen Zak Sparkonto: Eine einfache, schnelle und effektive Art, dein Geld noch besser verzinsen zu lassen.<\/p><p style=\"text-align: left;\">In diesem Beitrag bekommst du alle Infos zum neuen Zak Sparen und erh\u00e4ltst sogar einen Vergleich mit traditionellen <a href=\"https:\/\/www.schwiizerfranke.com\/sparkonto-zinsen\">Sparkonten<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56b6270f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56b6270f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f2d3ce9\" data-id=\"3f2d3ce9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e897142 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-global elementor-global-36427 elementor-widget-table-of-contents\" data-id=\"e897142\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;collapse_subitems&quot;:&quot;yes&quot;,&quot;no_headings_message&quot;:&quot;Kein Inhaltsverzeichnis gefunden.&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h2 class=\"elementor-toc__header-title\">\n\t\t\t\tInhaltsverzeichnis\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__e897142\" class=\"elementor-toc__body elementor-toc__list-items--collapsible\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68c10740 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68c10740\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-253628ce\" data-id=\"253628ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fd77e85 elementor-widget elementor-widget-heading\" data-id=\"6fd77e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Zak Sparen auf einen Blick<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-842c7b6 elementor-widget elementor-widget-text-editor\" data-id=\"842c7b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"text-align: left;\"><strong>Attraktive Verzinsung:<\/strong> Profitiere von einem Zinssatz von derzeit 1,3% (April 2024) \u2013 weit h\u00f6her als bei vielen traditionellen Sparkonten.<\/li><li style=\"text-align: left;\"><strong>Einfache Er\u00f6ffnung:<\/strong> Mit wenigen Klicks kannst du Zak Sparen in der Zak App kostenfrei er\u00f6ffnen und direkt beginnen.<\/li><li style=\"text-align: left;\"><strong>Vollst\u00e4ndige Kontrolle:<\/strong> Verwalte deine Einlagen und Auszahlungen direkt \u00fcber die App und behalte jederzeit den \u00dcberblick \u00fcber deine Zinsertr\u00e4ge.<\/li><li style=\"text-align: left;\"><strong>Sicher und gesch\u00fctzt:<\/strong> Dein Geld ist bis zu einem Betrag von CHF 100&#8217;000 durch die Schweizer Einlagensicherung gesch\u00fctzt.<\/li><\/ul><p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3566 aligncenter\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png\" alt=\"Zak Bank Cler Referral Code Gutscheincode 2020 50CHF geschenk Zak Bank Cler Erfahrungsbericht Test Review Zak Gutscheincode eingeben\" width=\"300\" height=\"300\" title=\"\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk.png 581w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51bd27a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"51bd27a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.schwiizerfranke.com\/zak-gutscheincode\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Gutschein erhalten!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-184aa6f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"184aa6f5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68dff0f7\" data-id=\"68dff0f7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-309e6f4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"309e6f4e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5e6e4795\" data-id=\"5e6e4795\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15629ed7 elementor-widget elementor-widget-heading\" data-id=\"15629ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Warum das Zak Sparkonto eine smarte Wahl ist<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2f4fd95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f4fd95\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-772401b2\" data-id=\"772401b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a7e351b elementor-widget elementor-widget-text-editor\" data-id=\"2a7e351b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Im folgenden Zinsvergleich mit einigen sehr bekannten traditionellen Banken siehst du den Unterschied deutlich.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c413c elementor-widget elementor-widget-htmega-datatable-addons\" data-id=\"50c413c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"htmega-datatable-addons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"htmega-table-style htmega-table-style-3 htb-table-responsive\">\r\n            <table id=\"table_id_50c413c\" class=\"htb-table \">\r\n                                        <thead>\r\n                            <tr>\r\n                                <th class='elementor-repeater-item-3ca031f'>Anbieter<\/th><th class='elementor-repeater-item-7a370c2'>Zinssatz<\/th><th class='elementor-repeater-item-0656748'>R\u00fcckzugslimit<\/th>                            <\/tr>\r\n                        <\/thead>\r\n                    <tbody><tr><td class=\"elementor-repeater-item-cbda64f\" >Zak Sparen<\/td><td class=\"elementor-repeater-item-a976e07\" >1,3%<\/td><td class=\"elementor-repeater-item-0fd43ad\" >CHF 10'000<\/td><\/tr><tr><td class=\"elementor-repeater-item-247955e\" >Raiffeisen Z\u00fcrich<\/td><td class=\"elementor-repeater-item-9a8080c\" >0,75%<\/td><td class=\"elementor-repeater-item-6a65e9a\" >CHF 30'000<\/td><\/tr><tr><td class=\"elementor-repeater-item-3ca28a7\" >UBS Sparkonto<\/td><td class=\"elementor-repeater-item-34b86ac\" >0,38%<\/td><td class=\"elementor-repeater-item-4b572e8\" >CHF 50'000<\/td><\/tr><tr><td class=\"elementor-repeater-item-9cdb083\" >ZKB<\/td><td class=\"elementor-repeater-item-91c2138\" >0,34%<\/td><td class=\"elementor-repeater-item-6c040ec\" >CHF 10'000<\/td><\/tr><tr><td class=\"elementor-repeater-item-7a8eb2f\" >Migros Bank<\/td><td class=\"elementor-repeater-item-15db100\" >0,28%<\/td><td class=\"elementor-repeater-item-867635d\" >CHF 50'000<\/td><\/tr><\/tbody>\r\n            <\/table>\r\n                    <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e448a75 elementor-widget elementor-widget-text-editor\" data-id=\"3e448a75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><em>Zinss\u00e4tze zum Stand Mai 2024, keine Garantie auf Aktualit\u00e4t.<\/em><\/p><p style=\"text-align: left;\">Klar ist auch, dass sich die Zinss\u00e4tze regelm\u00e4ssig \u00e4ndern und teilweise aus Marketingzwecken verwendet werden. Allerdings k\u00f6nnen Digitalbanken aufgrund ihrer tieferen Fixkosten tendenziell immer bessere Konditionen als traditionelle Banken bieten. Auch andere <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.schwiizerfranke.com\/bank-vergleich-schweiz\" target=\"_blank\" rel=\"noopener\">Schweizer Online-Banken<\/a><\/span> bezahlen attraktive, wenn auch aktuell nicht ganz so hohe Zinsen.<\/p><p style=\"text-align: left;\">Du kannst also davon ausgehen, dass Zak Sparen auch in Zukunft attraktive Konditionen bietet.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3566 aligncenter\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png\" alt=\"Zak Bank Cler Referral Code Gutscheincode 2020 50CHF geschenk Zak Bank Cler Erfahrungsbericht Test Review Zak Gutscheincode eingeben\" width=\"300\" height=\"300\" title=\"\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk.png 581w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5165766 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5165766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.schwiizerfranke.com\/zak-gutscheincode\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Gutschein erhalten!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40970cd6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"40970cd6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1282c9ba\" data-id=\"1282c9ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c910c19 elementor-widget elementor-widget-template\" data-id=\"5c910c19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"6030\" class=\"elementor elementor-6030\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-526782fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"526782fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c45b4fe\" data-id=\"1c45b4fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-500bd6cd elementor-widget elementor-widget-heading\" data-id=\"500bd6cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Top-Empfehlungen 2026<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-168790bb elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"168790bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Dein Schl\u00fcssel zum Erfolg! Entdecke unsere Top-Empfehlungen aus echten Erfahrungsberichten.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d233fcb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d233fcb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-5f59fb9\" data-id=\"5f59fb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-696e47b elementor-widget elementor-widget-image\" data-id=\"696e47b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/bank-vergleich-schweiz\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6035\" alt=\"Schweizer Bankkonto Empfehlung Test Erfahrungsbericht Konto\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3dedbca elementor-hidden-phone\" data-id=\"3dedbca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae043db elementor-widget elementor-widget-image\" data-id=\"ae043db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/robo-advisor-schweiz-vergleich\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Robo-Advisor-Schweiz-Vergleich-Roboadvising-Test-switzerland-comparison.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-24252\" alt=\"\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Robo-Advisor-Schweiz-Vergleich-Roboadvising-Test-switzerland-comparison.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Robo-Advisor-Schweiz-Vergleich-Roboadvising-Test-switzerland-comparison-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Robo-Advisor-Schweiz-Vergleich-Roboadvising-Test-switzerland-comparison-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Robo-Advisor-Schweiz-Vergleich-Roboadvising-Test-switzerland-comparison-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-2c32e35\" data-id=\"2c32e35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8db6120 elementor-widget elementor-widget-image\" data-id=\"8db6120\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/welcher-etf-fuer-anfaenger\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/ETF-kaufen-Schweiz-Empfehlung-Sparplan-exchange-traded-funds-investieren.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6047\" alt=\"ETF kaufen Schweiz Empfehlung Sparplan exchange traded funds investieren\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/ETF-kaufen-Schweiz-Empfehlung-Sparplan-exchange-traded-funds-investieren.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/ETF-kaufen-Schweiz-Empfehlung-Sparplan-exchange-traded-funds-investieren-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/ETF-kaufen-Schweiz-Empfehlung-Sparplan-exchange-traded-funds-investieren-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/ETF-kaufen-Schweiz-Empfehlung-Sparplan-exchange-traded-funds-investieren-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-c20bcb0\" data-id=\"c20bcb0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17bc34f elementor-widget elementor-widget-image\" data-id=\"17bc34f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/saeule-3a-vergleich\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6036\" alt=\"S\u00e4ule 3a Vergleich Empfehlung Erfahrungsbericht\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-eda8339\" data-id=\"eda8339\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bcd4ffa elementor-widget elementor-widget-image\" data-id=\"bcd4ffa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/online-broker-vergleich-schweiz\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Online-Broker-Empfehlung-Test-Vergleich.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6037\" alt=\"Schweizer Online Broker Empfehlung Test Vergleich\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Online-Broker-Empfehlung-Test-Vergleich.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Online-Broker-Empfehlung-Test-Vergleich-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Online-Broker-Empfehlung-Test-Vergleich-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Online-Broker-Empfehlung-Test-Vergleich-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-1d54d57 elementor-hidden-phone\" data-id=\"1d54d57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f032b elementor-widget elementor-widget-image\" data-id=\"67f032b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/bank-vergleich-schweiz\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Bankkonto-Empfehlung-bester-Schweizer-Bankkonto-Test-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6032\" alt=\"Bankkonto Empfehlung bester Schweizer Bankkonto Test\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Bankkonto-Empfehlung-bester-Schweizer-Bankkonto-Test-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Bankkonto-Empfehlung-bester-Schweizer-Bankkonto-Test--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Bankkonto-Empfehlung-bester-Schweizer-Bankkonto-Test--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Bankkonto-Empfehlung-bester-Schweizer-Bankkonto-Test--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-434e9b5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"434e9b5b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3579fc89\" data-id=\"3579fc89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c0dd780 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c0dd780\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-58e190c7\" data-id=\"58e190c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1667750b elementor-widget elementor-widget-heading\" data-id=\"1667750b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Benutzerfreundlichkeit: Zak Sparkonto in der App er\u00f6ffnen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7079886c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7079886c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-56c6ef77\" data-id=\"56c6ef77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b679b50 elementor-widget elementor-widget-text-editor\" data-id=\"b679b50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"text-align: left;\"><strong>Schnelle Kontoer\u00f6ffnung:<\/strong> Um dein Zak Sparkonto zu er\u00f6ffnen musst du keine Filiale besuchen. Vielmehr kannst du das neue Sparkonto direkt in der Zak App im Zak-Store er\u00f6ffnen.<\/li><li style=\"text-align: left;\"><strong>\u00dcbertrag aufs Sparkonto:<\/strong> Per Konto\u00fcbertrag direkt von deinem Zak -Konto oder einer direkten \u00dcberweisung auf die IBAN deines Sparkontos.<\/li><li style=\"text-align: left;\"><strong>Vollst\u00e4ndig digital:<\/strong> Die Verwaltung kann von \u00fcberall und jederzeit durchgef\u00fchrt werden. Um \u00dcberweisungen zu t\u00e4tigen, \u00fcberweist du zuerst Geld vom Zak Sparkonto auf dein Zak Privatkonto und verwendest das Geld dann f\u00fcr die gew\u00fcnschten Zahlungen.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23a3dce2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23a3dce2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-135b0fa7\" data-id=\"135b0fa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-26b26b85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26b26b85\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-679f103b\" data-id=\"679f103b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53382f16 elementor-widget elementor-widget-heading\" data-id=\"53382f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Direkter Vergleich: Zak Sparkonto vs. Traditionelle Sparkonten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6bfade elementor-widget elementor-widget-htmega-datatable-addons\" data-id=\"e6bfade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"htmega-datatable-addons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"htmega-table-style htmega-table-style-3 htb-table-responsive\">\r\n            <table id=\"table_id_e6bfade\" class=\"htb-table \">\r\n                                        <thead>\r\n                            <tr>\r\n                                <th class='elementor-repeater-item-5e067fe'>Funktion<\/th><th class='elementor-repeater-item-6ce631a'>Zak Sparen<\/th><th class='elementor-repeater-item-5678a4c'>Traditionelle Bank<\/th>                            <\/tr>\r\n                        <\/thead>\r\n                    <tbody><tr><td class=\"elementor-repeater-item-e36f74a\" >Digitale Kontoer\u00f6ffnung<\/td><td class=\"elementor-repeater-item-216a8ee\" >Ja<\/td><td class=\"elementor-repeater-item-1819f9b\" >Nein<\/td><\/tr><tr><td class=\"elementor-repeater-item-30443de\" >Zinssatz<\/td><td class=\"elementor-repeater-item-d510b47\" >1,3% bis CHF 100'000<\/td><td class=\"elementor-repeater-item-6d56f51\" >ca. 0,2% - 0,6%<\/td><\/tr><tr><td class=\"elementor-repeater-item-816b958\" >Kontof\u00fchrungsgeb\u00fchren<\/td><td class=\"elementor-repeater-item-bd81be2\" >Kostenlos<\/td><td class=\"elementor-repeater-item-d89401c\" >H\u00e4ufig geb\u00fchrenpflichtig<\/td><\/tr><tr><td class=\"elementor-repeater-item-cfc0f4d\" >Einlagensicherung<\/td><td class=\"elementor-repeater-item-8b07427\" >Bis CHF 100'000<\/td><td class=\"elementor-repeater-item-cb518d1\" >Bis CHF 100'000<\/td><\/tr><\/tbody>\r\n            <\/table>\r\n                    <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63e9f33b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63e9f33b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-882cdca\" data-id=\"882cdca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4ce4b735 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ce4b735\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4f78db83\" data-id=\"4f78db83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79763dab elementor-widget elementor-widget-heading\" data-id=\"79763dab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">R\u00fcckzugslimite bei Sparkonten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f8d8b51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f8d8b51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3997c0fc\" data-id=\"3997c0fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11c27290 elementor-widget elementor-widget-text-editor\" data-id=\"11c27290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Sparkonten haben in der Regel eine R\u00fcckzugslimite. Das kommt daher, da die Bank dein Geld auf dem Sparkonto im Hintergrund in risikoarme Anlagen mit fester Laufzeit investiert.<\/p><p style=\"text-align: left;\">Durch diese Bindung kann auch die Bank nicht risikofrei oder kostenfrei vorzeitig aus diesen Anlagen aussteigen. Eine R\u00fcckzugslimite ist daher absolut logisch und f\u00fcr dich auch nicht schlimm.<\/p><p style=\"text-align: left;\"><strong>Tipp zur R\u00fcckzugslimite:<\/strong> Plane deine Einzahlungen auf dein Sparkonto anhand deiner Ziele. Welches Geld kann und soll wie lange auf das Sparkonto eingezahlt werden?<\/p><p style=\"text-align: left;\">Wenn du deine Spargelder bewusst planst, wirst du auch mit der Laufzeit kein Problem haben.<\/p><p style=\"text-align: left;\">Im Zak Sparkonto hast du eine R\u00fcckzugslimite von CHF 10\u2019000. Diese Summe kannst du also j\u00e4hrlich wieder entnehmen.<\/p><p style=\"text-align: left;\">Gr\u00f6ssere Betr\u00e4ge kannst du gegen eine Geb\u00fchr von 2.0% entnehmen. Genau betrachtet sind es sogar weniger Geb\u00fchren, da dein Geld unterj\u00e4hrig noch verzinst wurde.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5896b2bc elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5896b2bc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29073fa7\" data-id=\"29073fa7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-438466d5 elementor-widget elementor-widget-template\" data-id=\"438466d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"10302\" class=\"elementor elementor-10302\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1670a70b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1670a70b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31b3364e\" data-id=\"31b3364e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21556c46 elementor-widget elementor-widget-heading\" data-id=\"21556c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Unsere Finanztipps 2026<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab75a9a elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"3ab75a9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>&#171;Intelligent ist, wer aus den Fehlern anderer lernt&#187;.<\/strong><\/p><p><em>Aus all unseren Tests und Erfahrungsberichten haben wir dir unsere Top-Auswahl zusammengestellt:<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-56648290 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"56648290\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3ad9b76b elementor-hidden-phone\" data-id=\"3ad9b76b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64c847f0 elementor-widget elementor-widget-image\" data-id=\"64c847f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/online-broker-vergleich-schweiz\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-28213\" alt=\"Online Broker Vergleich trading Plattformen vergleich Schweizer broker Vergleichs Test\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/Online-Broker-Vergleich-trading-Plattformen-vergleich-Schweizer-broker-Vergleichs-Test-2-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-7cd35300\" data-id=\"7cd35300\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cc77158 elementor-widget elementor-widget-image\" data-id=\"3cc77158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/bank-vergleich-schweiz\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6035\" alt=\"Schweizer Bankkonto Empfehlung Test Erfahrungsbericht Konto\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Schweizer-Bankkonto-Empfehlung-Test-Erfahrungsbericht-Konto-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3aeb8552\" data-id=\"3aeb8552\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0cb3f8 elementor-widget elementor-widget-image\" data-id=\"5d0cb3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/kostenfreie-finanz-ebooks\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-10469\" alt=\"schwiizerfranke ebook investment guide schweiz pdf download\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schwiizerfranke-ebook-investment-guide-schweiz-pdf-download-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-26cf5943 elementor-hidden-phone\" data-id=\"26cf5943\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1851e49d elementor-widget elementor-widget-image\" data-id=\"1851e49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/saeule-3a-vergleich\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6036\" alt=\"S\u00e4ule 3a Vergleich Empfehlung Erfahrungsbericht\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Saeule-3a-Vergleich-Empfehlung-Erfahrungsbericht--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-689307d3\" data-id=\"689307d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fdbd503 elementor-widget elementor-widget-image\" data-id=\"5fdbd503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.schwiizerfranke.com\/der-grosse-krypto-boersen-vergleich-fuer-schweizer\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-6039\" alt=\"Crypto Broker Schweiz Vergleich Bitcoin kaufen\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/12\/Crypto-Broker-Schweiz-Vergleich-Bitcoin-kaufen-12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-5bd31a85\" data-id=\"5bd31a85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-763158d4 elementor-widget elementor-widget-image\" data-id=\"763158d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finanzuni.ch\/finanzfahrplan\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course-.png\" class=\"elementor-animation-grow attachment-large size-large wp-image-26638\" alt=\"schweizer online finanzkurs investieren vorsorge online lernen live calls swiss online finance course\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course-.png 500w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2021\/07\/schweizer-online-finanzkurs-investieren-vorsorge-online-lernen-live-calls-swiss-online-finance-course--12x12.png 12w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75958e9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75958e9a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-406708c7\" data-id=\"406708c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2f03498 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f03498\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b3d4d79\" data-id=\"b3d4d79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55801685 elementor-widget elementor-widget-heading\" data-id=\"55801685\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Fazit zum neuen Zak Sparkonto<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f613025 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f613025\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4b96e7e4\" data-id=\"4b96e7e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29e33701 elementor-widget elementor-widget-text-editor\" data-id=\"29e33701\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Mit dem neuen Zak Sparkonto kannst du innerhalb deiner Zak App mit wenigen Klicks <strong>noch bessere Zinsen<\/strong> erhalten. Die Er\u00f6ffnung erfolgt digital, kostenfrei und sehr bequem.<\/p><p style=\"text-align: left;\">Wichtig ist, dass du die R\u00fcckzugslimite beachtest, wenn du Geld auf dein Zak Sparkonto einzahlst. Da diese recht hoch ist, sollte das aber kein Problem sein. Ein vorzeitiger R\u00fcckzug ist mit einer kleinen Geb\u00fchr m\u00f6glich.<\/p><p style=\"text-align: left;\">Insgesamt ist Zak Sparen also eine spannende L\u00f6sung, die f\u00fcr bestehende, wie auch f\u00fcr neue Zak Benutzer sehr interessant ist und unbedingt genutzt werden sollte!<\/p><p style=\"text-align: left;\">Falls du noch kein Zak Konto hast, kannst du es kostenfrei und mit CHF 50 Startguthaben mit dem folgenden Code er\u00f6ffnen.<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3566 aligncenter\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png\" alt=\"Zak Bank Cler Referral Code Gutscheincode 2020 50CHF geschenk Zak Bank Cler Erfahrungsbericht Test Review Zak Gutscheincode eingeben\" width=\"300\" height=\"300\" title=\"\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-300x300.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk-150x150.png 150w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2020\/07\/Zak-Bank-Cler-Referral-Code-Gutscheincode-2020-50CHF-geschenk.png 581w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p><p><!-- notionvc: 11263cd8-a9f8-4c4c-b44a-55a3cc2d9602 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b6c4cf elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1b6c4cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.schwiizerfranke.com\/zak-gutscheincode\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Gutschein erhalten!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0ddb3c elementor-widget elementor-widget-text-editor\" data-id=\"c0ddb3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size );\">Transparenz-Hinweis: Dieser Beitrag wurde in Zusammenarbeit mit Zak von der Bank Cler erstellt. Der Inhalt und die Darstellung sind dennoch frei und unabh\u00e4ngig von Schwiizerfranke gestaltet worden.<\/em><\/p><p style=\"text-align: left;\"><em>Die Informationen zu Zak richten sich ausschliesslich an Personen mit Wohnsitz in der Schweiz. Ein Zak-Konto kann nur mit Domizil Schweiz er\u00f6ffnet werden.<\/em><\/p><p><!-- notionvc: 11263cd8-a9f8-4c4c-b44a-55a3cc2d9602 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c4a1375 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6c4a1375\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d34d9fc\" data-id=\"2d34d9fc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64f4db53 elementor-widget elementor-widget-template\" data-id=\"64f4db53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"page\" data-elementor-id=\"41143\" class=\"elementor elementor-41143\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a1311c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a1311c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-322b5e9\" data-id=\"322b5e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e239961 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e239961\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-25c8b52\" data-id=\"25c8b52\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-794fed6 elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"794fed6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"655\" height=\"594\" src=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2025\/05\/Bildschirmfoto-2025-05-15-um-10.34.18.png\" class=\"attachment-large size-large wp-image-41152\" alt=\"Finanzautor Eric Marschall zertifizierter Verm\u00f6gensberater (IAF) unabh\u00e4ngiger Finanzexperte Schweiz - certified financial expert switzerland\" srcset=\"https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2025\/05\/Bildschirmfoto-2025-05-15-um-10.34.18.png 655w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2025\/05\/Bildschirmfoto-2025-05-15-um-10.34.18-300x272.png 300w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2025\/05\/Bildschirmfoto-2025-05-15-um-10.34.18-13x12.png 13w, https:\/\/www.schwiizerfranke.com\/wp-content\/uploads\/2025\/05\/Bildschirmfoto-2025-05-15-um-10.34.18-396x360.png 396w\" sizes=\"auto, (max-width: 655px) 100vw, 655px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-74f1ee2\" data-id=\"74f1ee2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97f8531 elementor-widget elementor-widget-heading\" data-id=\"97f8531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\u00dcber den Autor<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-390e175 elementor-widget elementor-widget-text-editor\" data-id=\"390e175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Eric ist Gr\u00fcnder von <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.schwiizerfranke.com\/about\">Schwiizerfranke.com<\/a><\/span> und zertifizierter IAF-Verm\u00f6gensberater. Seit 2019 hilft er Schweizerinnen und Schweizern, ihre Finanzen verst\u00e4ndlich, unabh\u00e4ngig und effizient zu regeln.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6d2549 elementor-widget elementor-widget-button\" data-id=\"d6d2549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.schwiizerfranke.com\/about\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Mehr \u00fcber Eric &amp; Schwiizerfranke<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-73240d5 elementor-widget elementor-widget-text-editor\" data-id=\"73240d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><em>\ud83d\udccc Hinweis: Dieser Artikel dient der Information und stellt keine individuelle Anlageberatung dar.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5211f50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5211f50\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32b174b8\" data-id=\"32b174b8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zak Sparkonto im Test: Warum es sich lohnt, digital zu sparen Ein Sparkonto mit attraktiven Zinsen er\u00f6ffnen? Daf\u00fcr m\u00fcssen sich viele Schweizerinnen und Schweizer in Bankfilialen begeben, wo sie warten, Formulare ausf\u00fcllen und andere Produkte dankend ablehnen m\u00fcssen. Nicht so auf dem Zak Sparkonto! Kein Warten am Schalter, keine umst\u00e4ndlichen Formulare. Genau das bietet Zak [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":33791,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1,5],"tags":[949,950,79,78,83],"class_list":["post-33790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein","category-finanzdienste","tag-festgeld","tag-festgeldkonto","tag-sparen","tag-sparkonto","tag-zinsen"],"_links":{"self":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/33790","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/comments?post=33790"}],"version-history":[{"count":0,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/33790\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media\/33791"}],"wp:attachment":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media?parent=33790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/categories?post=33790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/tags?post=33790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}