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.
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 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
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 PostFinance 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.
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 packageCHF 5/monthSmartPlus banking packageCHF 12/monthPaper optionCHF 5/monthThe 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/documentOne 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 orderCHF 3/order (envelope)Set up and/or change standing orderCHF 5/orderFee-based services for customers with Smart and SmartKids banking packages
Cash withdrawal with the PostFinance Card at third-party ATMs in SwitzerlandCHF 2/CHF withdrawal
CHF 5/EUR withdrawal
Cash withdrawal with the PostFinance Card abroadCHF 5/withdrawalCredit 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.
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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.
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Do you have more questions about our banking packages?