Banking package

Simply smart – our banking packages

The appropriate banking package for you as of 1 July 2021: our banking packages bundle accounts and services together into a fair, transparent range of services, and are tailored to your needs. E-finance and the PostFinance App allow you to carry out your banking transactions securely and conveniently online.

Banking packages for adults

Smart

CHF 5/month
  • Private account in CHF, EUR or foreign currency
  • PostFinance Card + free cash withdrawal at Postomats
  • E-finance + PostFinance App with security guarantee
  • Savings account in CHF and EUR
  • Cashless payment with TWINT

Additional fee-based services

  • Credit cards from CHF 50/year
  • Cash withdrawals from third-party ATMs: CHF 2/withdrawal
  • Cash withdrawals abroad: CHF 5/withdrawal

SmartPlus

CHF 12/month
  • Private account in CHF, EUR or foreign currency
  • PostFinance Card + free cash withdrawals at Postomats
  • E-finance + PostFinance App with security guarantee
  • Savings account in CHF and EUR
  • Cashless payments with TWINT
Including
  • Classic/Standard or
  • Mastercard Value (prepaid) credit card or
  • CHF 50 discount on Gold or Platinum

Free cash withdrawals at all third-party ATMs in Switzerland and abroad with the PostFinance Card.

Young adults between 21 and 30 years of age who are starting out in their professional life after completing their education, receive the SmartPlus banking package for a maximum of three years for half the price at CHF 6.

The price for a banking package and for the paper option applies per customer relationship. A customer relationship can include several accounts. The fees are charged monthly.

Banking packages for children, young people, apprentices and students

SmartKids

0 to 11 years, free of charge
  • Youth account in CHF or EUR
  • Youth savings account in CHF and EUR
  • On request with e-finance, PostFinance App and PostFinance Card for the parents

SmartYoung

12 to 20 years, free of charge
  • Youth account in CHF or EUR
  • Youth savings account in CHF and EUR
  • PostFinance Card
  • E-finance and PostFinance App with security guarantee
  • Cashless payments with TWINT

Including

Mastercard Value (prepaid) credit card from the age of 12 or Classic/Standard credit card from the age of 18.

Free cash withdrawals at third-party ATMs in Switzerland and abroad with the PostFinance Card.

SmartStudents

18 to 30 years, free of charge
  • Student account in CHF or EUR
  • Savings account in CHF and EUR
  • PostFinance Card
  • E-finance and PostFinance App with security guarantee
  • Cashless payments with TWINT

Including

Mastercard Value (prepaid) or Classic/Standard credit card.

Free cash withdrawals at third-party ATMs in Switzerland and abroad with the PostFinance Card.

The price for a banking package and for the paper option applies per customer relationship. A customer relationship can include several accounts. The fees are charged monthly.

How do you get your banking package?

The new banking packages will be launched on 1 July 2021. The price for your banking package and, where applicable, the paper option, applies per customer relationship and for all accounts in the same customer relationship.

You have a PostFinance account

If you already have one or more accounts with PostFinance, you will automatically receive, as of 1 July 2021, the banking package that is most in line with your use of our services. You will be informed about this by letter and in e-finance. You can change your banking package in e-finance, or by using the reply form, or by telephone.

You do not have a PostFinance account

Open the services of your choice. As of 1 July 2021, you will automatically receive the banking package that is most in line with how you use our services. You will be informed about this by letter and in e-finance. You can change your banking package in e-finance, or by using the reply form, or by telephone.

Which banking package is right for me?

With the banking package advisory tool, you can find out which bank package  suits you best in just a few steps.

  • Guaranteed security – e-finance protects your finances

    With e-finance and the PostFinance App, you can carry out banking transactions easily and securely from home or while on the go. Financial losses caused by system attacks are generally covered up to a sum of CHF 100,000 per incident thanks to our security guarantee.

    It couldn’t be easier – learn about digital banking for free

    We’ll show you step by step how to carry out your banking transactions conveniently online. 

    Anywhere and anytime – one app for all banking transactions

    The PostFinance App is your ideal companion for all banking transactions. The clarity of design, ease of use and many practical features enable you to make payments, invest money and much more in no time at all.

  • General fees for payment transactions

    Forwarding of account statement, interest statement or credit card statement
    CHF 5/document

    Fee-based services on paper for customers without paper option

    Payment order
    CHF 3/order (envelope)
    Set up and/or change standing order
    CHF 5/order

    Fee-based services for customers with Smart and SmartKids banking packages

    Cash withdrawals with the PostFinance Card at third-party ATMs in Switzerland

    CHF 2/CHF withdrawal

    CHF 5/EUR withdrawal

    Cash withdrawals with the PostFinance Card abroad
    CHF 5/withdrawal

    Credit cards

    • Classic/Standard or Value (prepaid) CHF 50/year
    • Gold CHF 100/year
    • Platinum CHF 250/year

    SmartPlus, SmartYoung and Smart Students: Discount of CHF 50 a year on the prepaid card / credit card.

  • Save money by doing without paper and by carrying out banking transactions in e-finance

    You save CHF 5 per month by not using the paper option and by carrying out your banking transactions in e-finance. You can make the adjustment in e-finance under “Settings and profile”, “My products”, “Fees”.

    Save with invested assets, a mortgage, or life insurance

    You save an additional CHF 5 per month if you have invested assets of over CHF 25,000, a mortgage or life insurance with PostFinance. Invested assets include fund investments covering retirement funds and custody account assets in e-trading excluding cash. Assets held in savings accounts are not considered to be invested assets.

    Save with SmartPlus

    With SmartPlus, you can withdraw cash free of charge with your PostFinance Card at all ATMs with the Visa Plus logo worldwide. In addition, you can use the Mastercard® Value (prepaid) or the Classic/Standard credit card free of charge or receive a discount of CHF 50 per year on the Gold or Platinum credit cards.

    Saving when starting out in your career

    With your SmartYoung or SmartStudents banking package, you will receive the SmartPlus banking package for half price at CHF 6 per month for a maximum of three years until you reach the age of 30.

    • PostFinance is bundling together its accounts and services into a fair and transparent service offering comprising both the Smart and SmartPlus banking packages. As of 1 July 2021, all private customers will be transferred to the banking package that is most in line with their use of PostFinance services. All customers will be informed in writing about which banking package they have been allocated.
    • As of 1 July 2021, all private customers will receive a banking package. Your account(s) per client relationship will automatically be transferred to the banking package that is most in line with your use of our services.

      If you do not agree with this, you can terminate your customer relationship with PostFinance in writing at any time within one month of receipt of the customer letter. This will not disadvantage you within this period, and any applicable withdrawal limits for savings accounts will be suspended.

    • You can easily change your banking package in e-finance under “Settings and profile”, “My products”, “Fees” or by post using the reply slip. With the banking package advisory tool, you can find out which banking package suits you best in just a few clicks.
    • You can easily cancel the paper option in e-finance under: “Settings and profile”, “My products”, “Fees”. If you do not have e-finance yet, you can order it at any time. You will then receive all notifications digitally in e-finance.

      Go to e-finance

    • No. In the new SmartPlus banking package, you will receive a Classic/Standard or Value (prepaid) credit card free of charge as of 1 July 2021, or you will receive a CHF 50 discount on the Gold or Platinum credit card. You will be refunded on a pro rata basis any annual fee paid before 1 July 2021.

      Example: The customer is charged the annual price of CHF 50 for a Classic/Standard or Value (prepaid) credit card in January 2021 (card price for the period from January to December 2021). However, because the SmartPlus package price already includes the Classic/Standard or Value (prepaid) credit card as of 1 July 2021, the customer receives back 6/12 of the CHF 50 paid in January 2021 for the period from July to December 2021, i.e. CHF 25 in this example. The refund is made to the private account in August 2021.

    • With the SmartPlus banking package, you can use the Mastercard® Value (prepaid) or the Classic/Standard credit card free of charge or receive a discount of CHF 50 per year on the Gold or Platinum credit cards. You can apply for your credit card now already. The annual fee for the credit card will be charged to you once the card has been issued and will be automatically refunded once the banking packages have been introduced. You will be refunded on your private account in August 2021.
    • If you do not agree with the new regulations, you can close your savings accounts in writing at any time within one month of receipt of the customer letter. This will not disadvantage you, and any applicable withdrawal limits will be suspended during this month.
    • PostFinance focuses on the Swiss market area. For regulatory reasons, only a very limited range of products is available to customers domiciled abroad. Therefore, in order to save on fees, it is generally not possible for our customers domiciled abroad to benefit from products outside the limited range of services. Please note that for customers residing abroad, the CHF 25 fee per payment transaction account remains unchanged regardless of your choice of banking package.
    • In 2022, the PostFinance Card will be supplemented with the Debit Mastercard. This means that in future the card can be used worldwide for payment at points of sale (payment terminals and online shops). The inclusion of the Debit Mastercard will not result in any card price increase for cardholders.