Smart and SmartPlus

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
  • Savings account in CHF and EUR
  • Cashless payment with PostFinance 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
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SmartPlus

CHF 12/month
  • Private account in CHF, EUR or foreign currency
  • PostFinance Card + free cash withdrawals at Postomats
  • E-finance + PostFinance App
  • Savings account in CHF and EUR
  • Cashless payments with PostFinance TWINT
  • 10% discount on annual premium for PostFinance property insurance 
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.

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Simple and secure! Open your banking package as a new customer in just a few minutes, completely digitally.

Young adults (new customers) up to 23 years of age who are starting out in their professional life receive the SmartPlus banking package for a maximum of three years for half the price at CHF 6. Existing customers between the ages of 21 and 30 who had a SmartYoung or SmartStudent banking package in the past calendar year benefit from the same discount.

With the paper option, which costs CHF 5/month, you receive all account statements, interest statements and/or credit card statements on paper. You can also, manage your payment orders on paper or set up standing orders.

Information on products in the banking packages

Switch banking package

Directly in e-finance or by telephone. 

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  • Banking package fees and paper option

    Smart banking package
    CHF 5/month
    SmartPlus banking package
    CHF 12/month
    Paper option 
    CHF 5/month

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

    Other paper-related fees

    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 banking package

    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: CHF 50/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/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”, “Delivery of account documents”.

    Save with invested assets, a mortgage, or life insurance

    You save an additional CHF 5/month if you have invested assets of over CHF 25,000, a mortgage or life insurance with PostFinance. Invested assets include the assets from all PostFinance investment solutions (e-asset management, crypto, e-trading (invested assets), fund self-service, fund consulting basic, investment consulting plus) and retirement funds. Assets held in savings accounts and medium-term notes 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 Mastercard 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/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/month for a maximum of three years until you reach the age of 30.

  • Do you have more questions about our banking packages?