Precondition
You must have a PostFinance private account to obtain a PostFinance Card in CHF.
The PostFinance Card is your free card for your private account in CHF. Thanks to the combination with Debit Mastercard®, you can shop or withdraw cash with ease worldwide.
Free cash withdrawal: at Postomats, in post offices, at Migros, at Coop Pronto Shops and at Denner
Make contactless payments in store and online worldwide thanks to the combination with Debit Mastercard
Withdraw cash worldwide at ATMs
You must have a PostFinance private account to obtain a PostFinance Card in CHF.
You can pay with your PostFinance Card wherever the PostFinance or Mastercard logo is displayed.
When making your first contactless payment, a transaction using your PIN is required.
Pay conveniently in online shops with your PostFinance Card. Where this isn’t an option, choose “Mastercard”, and you can still pay with your PostFinance Card – anywhere in the world.
In the online shop, select the “Mastercard” option and follow the instructions. In most cases, you will have to enter the following data from your card (additional checks are at the merchant’s discretion):
Pay securely with your PostFinance Card. If you make the payment with Mastercard, the globally accepted 3-D Secure procedure is used. You can activate 3-D Secure in e-finance or in the PostFinance App. You must have a Swiss mobile phone number.
With the contactless function, you can pay sums of up CHF 100 with the PostFinance Card without needing to enter a PIN. The limit is CHF 80 for purchases processed with the Debit Mastercard. Simply hold your card against the payment terminal, and your purchase is complete. For amounts above the limit, you will also need to enter your PIN.
Make safe, fast mobile payments. You can add your PostFinance Card to Apple Pay and pay quickly and securely with your smartphone.
With the PostFinance Card, you can make free cash withdrawals at Postomats, in post offices, at Migros customer service, at Coop Pronto Shops and at Denner.
Cash withdrawals at ATMs in Switzerland are free of charge with the SmartPlus, SmartYoung or SmartStudents banking package. It costs CHF 2 to withdraw Swiss francs with the Smart banking package. Withdrawal of euros costs CHF 5. Since 13 December 2022, cash withdrawals at ATMs have only been available with the PostFinance Card combined with Debit Mastercard.
Please note the information on withdrawing money at ATMs in the Mastercard networks. The information does not originate from PostFinance and no responsibility is accepted for its accuracy. Since 11 september 2023, cash withdrawals abroad have only been available with the PostFinance Card combined with Debit Mastercard.
Activate geoblocking to restrict cash withdrawals made with the PostFinance Card to specific geographical areas abroad.
Withdrawals | In CHF |
---|---|
Withdrawals Cash withdrawals per day |
In CHF CHF 1,000 |
Withdrawals Goods purchases per day |
In CHF CHF 3,000 |
Withdrawals Monthly limit per card |
In CHF CHF 5,000 |
Withdrawals Monthly limit per account |
In CHF CHF 5,000 |
Withdrawals Withdrawals at post offices |
In CHF Account balance in terms of cash holdings |
You can set the withdrawal limits yourself in e-finance, in the PostFinance App or by telephone.
The PostFinance Card in CHF is free of charge.
Place of use | Cost of cash withdrawals |
---|---|
Place of use Postomat |
Cost of cash withdrawals Free of charge |
Place of use Post office counter |
Cost of cash withdrawals Free of charge |
Place of use Migros and Manor customer service desks, Coop Pronto shops and Denner |
Cost of cash withdrawals Free of charge |
Place of use ATMs in Switzerland |
Cost of cash withdrawals Smart banking package: SmartPlus, SmartStudents and SmartYoung banking packages: free of charge |
Place of use ATMs abroad |
Cost of cash withdrawals Smart banking package: CHF 5 |
Place of use Purchase of goods/services |
Cost of cash withdrawals A processing fee of 1.5% applies on purchases made abroad (goods or services bought in shops and online incl. online shops of foreign retailers). This also includes recurring services (e.g. music subscriptions) from online shops that are processed abroad. |
Card blocking Via hotline/customer advisor |
CHF 20 per report |
Card replacement Via hotline/customer advisor |
CHF 40 per card |
PostFinance Card with Debit Mastercard:
PostFinance credit card:
For amounts up to CHF 500 or EUR 350 per month, the card and ID number of the PostFinance Card must be entered in the payment screen.
For amounts exceeding this limit, the personal PIN for the PostFinance Card and the card reader are also required.
You can enter individual card limits directly in e-finance or the PostFinance App.
Choose ATMs that don’t charge any commission or withdrawal fees. If fees apply, they will be indicated during the cash withdrawal. If this is the case, cancel the operation and find another ATM.
You can block/unblock your PostFinance Card or order a replacement card quickly and easily online.