Your trust is important to us. Here you can find out more about how PostFinance handles personal data and bank client confidentiality, taking into account the universal service obligation in payment transactions.
Legal information
Here you can find legal notices and information on the topics listed below.
Legal notices
Corporate governance, compliance and risk management are key levers in PostFinance’s transparent and successful management. Here you can find more information on the above-mentioned topics as well as the PostFinance Code of Conduct and information on depositor protection.
Financial Services Act (FinSA)
The Federal Act on Financial Services (FinSA) has been in force since 1 January 2020. The purpose of the law is to protect the customers of financial service providers. Here you will find information about PostFinance and its supervisory authority, the ombudsman conciliation office and the implementation of FinSA at PostFinance.
Investment solutions
Here you can find information on our investment solutions.
Information from data suppliers
Please note the following information from individual data suppliers in relation to investment products and services, which applies in each of the published versions.
-
Neither MSCI nor any other party involved in or related to compiling, computing or creating the MSCI data makes any express or implied warranties or representations wieht respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to any of such data. Without limiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to compiling, computing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages. No further distribution or dissemination of the MSCI data is permitted without MSCI's express written consent.
-
J.P.Morgan. Information has been obtained from sources believed to be reliable but J.P. Morgan does not warrant its completeness or accuracy. The Index is used with permission. The Index may not be copied, used, or distributed without J.P. Morgan’s prior written approval. Copyright 202[0], JPMorgan Chase & Co. All rights reserved.
-
BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively "Bloomberg"). BARCLAYS® is a trademark and service mark of Barclays Bank Plc (collectively with its affiliates, "Barclays"), used under license. Bloomberg or Bloomberg’s licensors, including Barclays, own all proprietary rights in the Bloomberg Barclays Indices. Neither Bloomberg nor Barclays approves or endorses this material, or guarantees the accuracy or completeness of any information herein, or makes any warranty, express of implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.
-
Copyright © Allfunds Tech Solutions (ATS-CH) and its data suppliers and data owners. All rights reserved. This information may not be passed on to or used by third parties. ATS-CH and its data suppliers and data owners do not provide any guarantee, in particular for data being accurate, up to date and complete. ATS-CH rejects any liability, in particular for any damages or expense that may result from the use of the data.
-
All Rights Reserved. The information, data, analysis and Information contained include the proprietary information of Euronext and its content providers, may not be copied or further disseminated except as specifically authorized by Euronext. They do not constitute investment advice, are provided solely for informational purposes and are not warranted to be complete, accurate or timely.
-
iShares® and BlackRock® are registered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”) and are used under license. BlackRock makes no representations or warranties regarding the advisability of investing in any product or the use of any service offered by PostFinance AG. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of any product or service offered by PostFinance AG.
-
S&P 500 Copyright© 20[xx], S&P Dow Jones Indices LLC. S&P does not guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions, regardless of the cause or for the results obtained from the use of such information. S&P DISCLAIMS ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall S&P be liable for any direct, indirect, special or consequential damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with subscriber’s or others’ use of those services.
Statement of commitment to the FX Global Code
PostFinance AG ("Institution") has reviewed the content of the FX Global Code ("Code") and acknowledges that the Code represents a set of principles generally recognised as good practice in the wholesale foreign exchange market ("FX Market"). The Institution confirms that it acts as a Market Participant as defined by the Code, and is committed to conducting its FX Market activities ("Activities") in a manner consistent with the principles of the Code.
To this end, the Institution has taken appropriate steps, based on the size and complexity of its Activities, and the nature of its engagement in the FX Market, to align its Activities with the principles of the Code.
Purpose
The EU’s amended Shareholder Rights Directive II (SRD II) came into force on 3 September 2020. SRD II aims in particular to strengthen the rights of shareholders of listed companies and to improve communication between listed companies and their shareholders.
PostFinance and other financial institutions must – regardless of their domicile – forward certain information from listed companies domiciled in an EU/EEA Member State to shareholders, facilitating the exercise of voting rights. Upon request, financial institutions are obliged to provide certain information about their customers who are shareholders in such listed companies.
Scope
The Shareholder Rights Directive II applies to all financial institutions that hold shares for their customers in a listed company domiciled in the European Union (EU) or the European Economic Area (EEA). PostFinance and its customers who hold such securities in their custody accounts are therefore also impacted.
However, as some national transposition laws go beyond the minimum requirements set out in the European directive, its scope may be extended. This means that bonds and funds, for example, may also fall within its scope, provided that an EEA Member State incorporates them into national law.
Identifying shareholders
In accordance with Article 3a of the Shareholder Rights Directive, listed companies in the EU have the right to identify their shareholders. The company may therefore request PostFinance to provide it with certain information (in particular on the identity of the shareholder). It is not possible to opt out of disclosing the required information to a company that requests it; PostFinance is obliged to provide the information (e.g. number of shares). However, it is always possible to invest in other assets to which SRD II’s duties of disclosure do not apply.
Transmitting information
Financial intermediaries (including PostFinance) must immediately forward to the shareholder the information required to exercise shareholder rights.
Facilitating the exercise of shareholder rights
PostFinance is obliged to facilitate the exercise of rights by the shareholder, in particular the right to attend and vote at the General Meeting of the shareholders. PostFinance must therefore make arrangements to enable the shareholder to exercise the rights attached to the shares. Furthermore, PostFinance must forward the confirmation of voting to the shareholders without undue delay.
Sometimes contact with customers is broken and assets become dormant as a result. This can mean that assets belonging to customers and their heirs can end up being forgotten. To avoid this, we rely on your help. You can find the most important information on this topic in this information from Swiss Bankers Association.
Digital presence
By accessing the postfinance.ch website ("Website") of PostFinance Ltd ("PostFinance" or "we") respectively its content, you, as a visitor, confirm that you have understood and fully accept the following terms. If you do not understand or accept these terms, we kindly ask you to leave the Website.
Simply accessing our Website does not establish a customer relationship with PostFinance.
Information about data protection is available at postfinance.ch/data-protection, especially in the "Privacy policy for PostFinance Ltd websites" section.
Additional legal notices can be found at postfinance.ch/legal-information as well as in supplementary terms and conditions for products, services, and assistance tools on our Website.
-
The PostFinance Website is basically intended for natural persons and legal entities who are domiciled or have their place of residence and usual abode in Switzerland. Persons subject to a legal system that prohibits access to the Website due to their nationality, residence, or other reasons are not permitted to access the Website.
-
All content on the Website belongs to PostFinance or third parties and is legally protected, in particular by intellectual property rights. "PostFinance" and the associated logos are registered trademarks of PostFinance. Use of these trademarks for any purpose is prohibited without the prior written consent of PostFinance.
Downloading, copying, or printing the Website or individual pages or sections thereof is permitted only for non-commercial, personal use, provided that neither copyright notices nor other legally protected designations are removed. In particular, without prior written consent from PostFinance, it is prohibited to:
- modify, copy, distribute, display, reproduce, publish, license, frame in another website, link to, transmit, create derivative works from, or otherwise use the Website respectively its content for commercial or public purposes;
- use content for purposes of machine learning (ML) or artificial intelligence (AI), including creation, training, improvement, or optimization of such technologies.
Should software or other content be downloaded or otherwise copied from the Website, all rights remain with PostFinance.
-
The content published on the PostFinance Website is provided for information purposes only. It does not constitute legal, tax, financial, or other advice, nor an offer or recommendation, particularly for conducting transactions or concluding legal agreements related to PostFinance’s products and services.
Information and legal notices regarding investment solutions can be found in particular on the postfinance.ch/legal-information page under the investments section.
-
The content on the Website is provided "as is" and "as available". Content may be changed at any time without notice.
PostFinance creates and provides website content with the degree of due care customary in the industry. Neither PostFinance nor its contractual partners guarantee (explicitly or implicitly) the accuracy, timeliness, availability, or completeness of the content. PostFinance is not obligated to update outdated content, mark it as such, or remove it from the Website.
The Website may contain links to third-party websites or sites of contractual partners. These linked websites and their content are not reviewed and, in particular, PostFinance assumes no warranty or liability for their accuracy, timeliness, availability, or completeness.
To the extent permitted by law, PostFinance disclaims all liability for direct, indirect, or consequential damages incurred by you or third parties as a result of accessing the Website and its content, the inability to access it, or interruptions and deficiencies. The disclaimer of liability also applies – to the extent permitted by law – to damages caused by manipulation of the Website by third parties or the transmission of harmful components.
-
Inquiries must be submitted via the designated channels; the same applies to orders. Exceptions apply to digital services via electronic channels (browser and/or apps) and to specific agreements concluded between you and PostFinance.
-
To the extent permitted by law, access to and use of the PostFinance Website and its content shall be governed by Swiss substantive law. Subject to any conflicting and mandatory legal provisions, the sole place of jurisdiction is Bern.
© PostFinance, version July 2025
Our social media profiles are aimed at a wide audience. We value feedback, comments and engagement on an equal footing. We reserve the right to block users and delete contributions that violate our netiquette.
PostFinance will never ask users for personal information via a social media channel. You should never publish your personal details or any particulars about your bank accounts in the public domain or on social media channels.
For data security reasons, we cannot answer questions about bank accounts via social media if customer identification would be required. Please contact our customer service by calling +41 58 448 14 14, by using the online chat or by sending us a message in the e-finance login area. If you have any questions about our social media profiles, you can contact us directly on social media.
If you follow or interact with PostFinance’s social media profiles, other users may be able to identify a potential customer relationship between you as an individual and PostFinance. As people who are not customers can also be PostFinance fans or followers, fan or follower status does not necessarily imply that the user in question has a banking customer relationship with PostFinance.
PostFinance is responsible for the social media profiles, but is not affiliated with the platform providers. We have no control over how these platforms or other third parties use the information that you publish on social media. We therefore suggest consulting the data protection and security guidelines for the various platforms:
The link will open in a new window Twitter, The link will open in a new window Facebook, The link will open in a new window LinkedIn, The link will open in a new window YouTube, The link will open in a new window Instagram, The link will open in a new window TikTok, The link will open in a new window Snapchat, The link will open in a new window Pinterest
PostFinance is not responsible for the data protection and security guidelines for these social media platforms or those of other third parties.
Content on PostFinance and employee social media channels is provided for information purposes. The content should not be viewed as advice, a recommendation or a solicitation to purchase/sell investments or to carry out transactions.
Competitions or prize draws advertised on PostFinance profiles are not affiliated with the social media platform in question. They are not sponsored, supported or organized by these platforms. Prize draw participants cannot assert rights against the social media platforms.
You can find the PostFinance data protection guidelines for visitors to our websites and social media channels here: postfinance.ch/dps-web
Further legal information can be found under the relevant sections of this website.
Accessible PostFinance websites
Since 2004, access for all has been required by the Swiss law covering equality for the disabled (Behindertengleichstellungsgesetz - BehiG), and PostFinance has therefore been consistently implementing this requirement.
This means that blind people are able to make good use of the website and can have content read aloud to them by audio output. Visually impaired people are able to display all text and images in any size. Furthermore, the contrast is optimized everywhere for good legibility. People with motor disabilities can navigate the website with alternative input methods or simply by using the keyboard. Those with hearing difficulties can easily follow videos on our website with the help of subtitles. More and more people with age-related conditions can also benefit from all of these improvements.
Contact
PostFinance Ltd
Mingerstrasse 20
3030 Berne Switzerland
Tel.: +41 58 448 14 14
Accesskeys – useful navigation help
Access keys facilitate quick access to certain web pages and content via the keyboard. This is of great benefit to users who prefer using the computer keyboard instead of the mouse. PostFinance incorporates this quick access and has adopted the access key assignment recommended by the “Access for all” foundation.
Accesskeys www.postfinance.ch
0 = To homepage
1 = To navigation (within page)
2 = To content (within page)
3 = To e-finance login
4 = To site map
9 = Logout
Accesskeys e-finance
0 = To the contents
1 = Main navigation
2 = To the contents
3 = Start page
4 = Site map
9 = Logout
How the access keys work in various browsers
Windows:
Internet Explorer: Alt key + access key number, followed by Enter
Firefox: Alt key + shift key + access key number
Chrome, Safari: Alt key + access key number
Mac OS X:
Safari, Firefox, Chrome: Ctrl key + alt key + access key number
Some useful Jaws abbreviations
T = Table
F = Form
V = Visited link
H = Heading
JAWS key + F5 = List of all form fields
JAWS key + F6 = List of headings
JAWS key + F7 = List of links
Tips on accessible use of e-finance
The main e-finance menu consists of the following sections:
«Home», «Assets», «Payments», «Documents» and «Offers» are available to all customers.
Business customers have a «Pooling» section if account pooling is activated.
An overview page with tiles can be found within each section. Tiles are squares lined up next to and on top of one another.
You can change the order of the tiles by dragging and dropping or by using the «Arrange tiles» function.
There are different types of tile as follows:
- Tiles for carrying out transactions directly, such as «One-time transfer». These tiles use the standard settings. If personal settings can be defined, you can access them via an additional link on the tile.
- Tiles for starting a transaction, such as «Domestic payment». You enter the initial information on the tile, then click on «Next» to access the detailed view where you can complete the transaction.
- Tiles for displaying your most recent transactions or documents. These tiles also contain a link to the detailed view, where you can search for all transactions/documents.
- Tiles for accessing less frequently used functions
Always use the most up-to-date browser and software versions
Continuous improvements
Certain content is not yet completely accessible. This applies especially to older applications or those with sophisticated programming. They will be made accessible as far as possible. These services are marked accordingly and are not a main part of certification granted by the “Access for all” foundation.
The following sub-areas are affected:
- E-trading
- Webinars
- E-bills
- Manuals, print templates, account and interest statements (PDF files)
Technological progress requires constant monitoring, but it also allows continuous improvement to the accessibility of web content. That is why PostFinance has agreed to periodic quality controls and a permanent exchange of expertise with the “Access for all” foundation. Content is regularly reviewed and made as accessible as possible as part of the next release.
PostFinance Ltd is a successful financial service provider and a high yielding subsidiary of Swiss Post Ltd. PostFinance Ltd is the number one in payment transactions in Switzerland and in e-finance, the electronic account management platform. PostFinance Ltd provides a comprehensive, innovative range of financial services in the payments, savings, investments, retirement planning and financing segments for both private and business customers.
Contact address
PostFinance Ltd
Contact Center
Mingerstrasse 20
3030 Berne
Switzerland
Tel.: +41 58 448 14 14
Company identification number (UID):
CHE-114.583.749