Banking packages for adults

The basis for your daily financial transactions: our Smart and SmartPlus 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.

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.

Information on products in the banking packages

Switch banking package

Directly in e-finance or by telephone. 

  • General fees for payment transactions

    Forwarding of account statement, interest statement or credit card statement (on paper)
    CHF 5/document

    One document per month will be generated for forwarding on paper with a monthly account notification.

    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 withdrawal with the PostFinance Card at third-party ATMs in Switzerland

    CHF 2/CHF withdrawal

    CHF 5/EUR withdrawal

    Cash withdrawal with the PostFinance Card abroad
    CHF 5/withdrawal

    Credit cards

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

    SmartPlus, SmartYoung and Smart Students: 50-franc discount per 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.

  • Do you have more questions about our banking packages?