Banking packages for adults

Open a Smart or SmartPlus banking package

Compare banking packages

Do you want to make your payments and conduct your bank transactions easily, quickly, flexibly and securely? PostFinance's banking packages make it possible. Choose the products and services within the package in line with your needs.

Smart and SmartPlus: for daily banking

    • Open online in a few minutes
    • Accounts, cards and services bundled in a practical manner
    • Free additional savings, investment and retirement savings accounts
    • Debit card valid worldwide and online
    • Finances in e-finance and the app under control at all times

  • SmartPoints in the bonus programme for payments with debit and credit cards 

Choose your banking package

Smart CHF 5/month

The basic package for everyday physical and digital banking

Accounts and cards
  • Private account in CHF, EUR or a foreign currency
  • Savings account in CHF or EUR
  • PostFinance Card
  • Attractive bonus programme 
Cash withdrawals

With the PostFinance Card:

  • At Postomats, in Swiss Post branches and with third-party partners  (free of charge) 
  • At third-party banks (CHF 2/withdrawal)
  • At banks abroad (CHF 5/withdrawal)
Services
  • E-finance
  • PostFinance App
  • Mobile payment 
  • Investments, retirement planning and financing  
  • Paper statements (Paper option: CHF 5/month) 
Discount on banking package

If you combine Smart with a PostFinance mortgage, life insurance or invested assets, the banking package is free of charge. 

Open now Smart CHF 5/month, Open now
SmartPlus CHF 10/month

The complete package for full flexibility in Switzerland and abroad 

Accounts and cards
  • Private account in CHF, EUR or a foreign currency
  • Savings account in CHF or EUR
  • PostFinance Card
  • Credit card 
  • Attractive bonus programme 
Cash withdrawals

With the PostFinance Card:

  • At Postomats, in Swiss Post branches and with third-party partners  (free of charge) 
  • At third-party banks (free of charge)
  • At banks abroad (free of charge)
Services
  • E-finance
  • PostFinance App
  • Mobile payment 
  • Investments, retirement planning and financing  
  • Paper statements (Paper option: CHF 5/month) 
Discount on banking package

If you combine SmartPlus with a PostFinance mortgage, life insurance or invested assets, you will only pay CHF 5 /month for the banking package. 

Young adults also only pay CHF 5/month for SmartPlus. 

Open now SmartPlus CHF 10/month, Open now

Would you like to open your account together with another person? You can find more information about the partner account here.

The banking package in just a few steps

  1. Choose your banking package and open it in around 10 minutes online or at a branch
  2. Compile the products within the banking package as you wish
  3. Verify your identity using your smartphone or on in person
  4. Access your accounts immediately and use your e-finance
  5. You will receive your PostFinance Card and any credit cards by post

More information can be found in the document “The link will open in a new window Services and prices for private customers (PDF)”.

Banking package advisory tool

Do you want to know which banking package is ideal for your needs? 

Find out now

All you need for everyday banking

  • Thanks to e-finance and the PostFinance App, you have your accounts under control at all times Thanks to e-finance and the PostFinance App, you have your accounts under control at all times

    Accounts

    Private account
    You can open your private account in CHF, EUR or a foreign currency. It is ideal as a salary account or a pension account. You will receive a digital account statement every month and an interest statement every year. The current interest rate for the private account in CHF is 0.00%.

    Savings account
    You hold your savings account in CHF or EUR. On this account, you can flexibly put money aside and save for your goals, whether big or small. The current interest rate for the savings account in CHF is up to 0.00%.

  • Pay conveniently and securely with our debit, credit and prepaid cards. Pay conveniently and securely with our debit, credit and prepaid cards.

    Cards

    PostFinance Card
    Pay with your PostFinance Card in stores and online shops worldwide. You benefit from cashback of 0.1% in the form of points in the SmartPoints bonus programme (max. 100 points per transaction) . You define your payment limit individually.

    Credit card
    Thanks to cashback in the form of points, your credit card gives you up to 1% cashback on every purchase . You also benefit from discounted car hire at AVIS, attractive shopping and travel insurance and much more. With the banking package SmartPlus, you receive your credit card free of charge .

    Prepaid card
    With the PostFinance Mastercard® Value, you load the desired amount to your card and have all your expenses completely under control. You benefit from up to 0.6% cashback in the form of points on every purchase . With the banking package SmartPlus, you receive your prepaid card free of charge .

  • You can manage your products and settings with e-finance and the PostFinance App. You can manage your products and settings with e-finance and the PostFinance App.

    E-finance and PostFinance App

    With e-finance and PostFinance App, you can always keep track of your accounts and payments. Adjust settings (such as push notifications), details and withdrawal limits with ease. Thanks to eBill, you can receive and pay your invoices conveniently online.

  • Make contactless payments quickly and easily. Make contactless payments quickly and easily.

    Mobile payment

    You can connect your PostFinance account and cards with various mobile payment services, mobile wallets and wearables (such as Smartwatch) such as PostFinance TWINT, PostFinance Pay, Apple Pay and Google Pay. 

Questions and answers

  • No, private and savings accounts as well as the PostFinance Card and credit cards are available in banking packages. You can individually set which products and services are included in your banking package at any time. 

  • Yes, your basic banking package includes a private account in CHF, EUR or another foreign currency as well as a savings account in CHF or EUR on request. You can open further accounts later in your e-finance individually and free of charge. 

  • Yes, however, PostFinance focuses on the Swiss market area. As a customer resident abroad, you can only access a limited range of products for regulatory reasons.

    For customers resident abroad, a monthly fee of CHF 25 per payment transactions account will be charged additionally.

  • Yes, you can open a banking package for a joint account as a couple or a family. For individual accounts for adults, you open separate banking packages for each person. The free banking packages Smart Kids (for children up to 11 years of age), SmartYoung and SmartStudents are available for accounts for children and young people.

More questions and answers

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