# Zürcher Kantonalbank (ZKB)

> Source: https://docs.barcoder.ai/docs/wallets/zurcher-kantonalbank
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [ZKB — official](https://www.zkb.ch/)

## Overview

**Zürcher Kantonalbank (ZKB)** is **Switzerland's largest cantonal bank by assets** + **Canton of Zurich Switzerland fully owned cantonal bank** + **TWINT founding member** + **Frankly digital pension app subsidiary** <sup>[1][1], [Switzerland report](https://docs.barcoder.ai/docs/payments/CH)</sup>.

## History

**Feb 15 1870 — Zürcher Kantonalbank ZKB founded by Canton of Zurich Switzerland** distinctive Swiss cantonal banking heritage.

**2014 — ZKB Mobile Banking app launch + TWINT founding member**.

**2020 — Frankly digital pension app subsidiary launch + Swiss 3a pension digital innovation**.

## Ownership & operator

**Operating entity**: **Zürcher Kantonalbank ZKB** (Switzerland's largest cantonal bank by assets; Canton of Zurich Switzerland fully owned cantonal bank).

**Major shareholders**: **Canton of Zurich Switzerland (Canton of Zurich Swiss canton + government) fully owned cantonal bank with state guarantee**.

**Regulators**: **FINMA Switzerland**.

## Technical integration

ZKB Mobile Banking app (iOS + Android) + zkb.ch online + ZKB branch network across Canton of Zurich + ZKB Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + TWINT (Switzerland; ZKB founding member) + Swiss QR-bill standard.

## Implementations & partners

**TWINT founding member**: [TWINT](https://docs.barcoder.ai/docs/standards/twint) (Swiss bank-consortium A2A mobile wallet; CH #1 mobile-payment; 6M+ users >half CH population; PostFinance + UBS + Raiffeisen + Zürcher Kantonalbank + SIX Group founding consortium).

**Major Swiss banking + payments competitors**: [UBS (post-Credit Suisse acquisition)](https://docs.barcoder.ai/docs/wallets/ubs) (UBS Group; SIX: UBSG; world's largest wealth manager post-Mar 2023 Credit Suisse acquisition for ~CHF 3B) + [PostFinance (Switzerland)](https://docs.barcoder.ai/docs/wallets/postfinance) (Swiss Post PostFinance; Switzerland's #5 retail bank by customers + TWINT founding member) + Raiffeisen Switzerland (Raiffeisen Switzerland; Switzerland's #3 retail bank + cooperative banking model + TWINT founding member) + [Julius Bär (Switzerland)](https://docs.barcoder.ai/docs/wallets/julius-baer) (Julius Bär; SIX: BAER) + [Pictet Group (Switzerland)](https://docs.barcoder.ai/docs/wallets/pictet) (Pictet Group Swiss partnership private banking) + [Swissquote (Switzerland)](https://docs.barcoder.ai/docs/wallets/swissquote) (Swissquote Switzerland's largest online bank + leading European online broker) + [Migros Bank (Switzerland)](https://docs.barcoder.ai/docs/wallets/migros-bank) (Migros Bank Migros Federation cooperative supermarket group subsidiary) + [TWINT](https://docs.barcoder.ai/docs/standards/twint) (Swiss bank consortium A2A mobile wallet).

**Regulator**: FINMA Switzerland.

## Status

**Active, Switzerland's largest cantonal bank by assets + Canton of Zurich Switzerland fully owned cantonal bank + TWINT founding member + Frankly digital pension app subsidiary** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.zkb.ch/ "ZKB — official"
[2]: https://en.wikipedia.org/wiki/Z%C3%BCrcher_Kantonalbank "Zürcher Kantonalbank — Wikipedia"
[ch-cro]: https://docs.barcoder.ai/docs/payments/CH

- [1] [ZKB — official][1]
- [2] [Zürcher Kantonalbank — Wikipedia][2]
- <sup>[Switzerland report](https://docs.barcoder.ai/docs/payments/CH)</sup> In-corpus: `reports/countries/CH-switzerland.md`

## Source

Biography extracted from [zurcher-kantonalbank.md](https://docs.barcoder.ai/source/wallets/zurcher-kantonalbank). See `matrix.md` for standards-support matrix if present.