Private accounts in banking packages
Private accounts are part of the Smart and SmartPlus banking packages.
Private account in CHF
For everyone aged 21 and over: your everyday account
The private account allows you to remain flexible. From your first salary and your first home to your retirement: no matter how life develops.
The private account in CHF is part of a banking package and suits you if you:
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- wish to pay in all shops worldwide and via your smartphone
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- wish to shop online without a credit card using a free debit card
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- wish to have your finances under control at all times in e-finance and in the app
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wish to hold a personal or joint account
PostFinance Card
The PostFinance Card in CHF is included free of charge.
Interest rates
- Interest rate of 0.00%
- Debit interest for negative balances: 9.50%
Domicile abroad
CHF 25/month per account, regardless of assets
Close your current bank account
You can close your current bank account with the following cancellation letter.
- Please fill in at least the first page
- Sign the form
- Send it to your current bank
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Yes, the PostFinance account can be opened as a partner account.
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Yes, PostFinance only offers private and savings accounts and the PostFinance Card as part of one of the two banking packages. Depending on how you use our services, choose the banking package that suits you best. You can switch your banking package at any time. Banking packages are free of charge for young people. If you frequently pay online or travel internationally, we recommend the SmartPlus banking package: this includes a credit card that you can use around the world – with insurance coverage and full compatibility with digital wallets.
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To open an account in Swiss francs, you must be of legal age and reside in Switzerland. Customers up to 20 years of age receive a youth account. Those who are not yet of legal age require the signature of a parent or legal representative to open the account. For more on youth accounts: Youth account | PostFinance
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Electronic payments and standing orders (via e-finance/PostFinance App) and setting up standing orders online (in e-finance/PostFinance App) are free of charge within Switzerland.
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Yes, you can open your private account in Swiss francs online in just ten minutes.
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The identity of the account holder is verified quite easily – either in a PostFinance or Swiss Post branch, or via an online video chat.
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The PostFinance Card in Swiss francs is free of charge and comes with your private account in Swiss francs. The PostFinance Card combined with Debit Mastercard® enables you to withdraw cash worldwide and shop conveniently online or in stores throughout Switzerland and abroad.
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The free youth account from PostFinance is aimed at young people up to 20 years of age. With this account, you’re in full control of all your daily financial transactions. Additionally, young people between 18 and 30 years of age and in education may also benefit from a student account. For more information on youth accounts: Youth account | PostFinance
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The account must not be overdrawn. For customers who pass a creditworthiness check and receive regular credits, PostFinance may grant an overdraft limit of CHF 1,000, which can be changed upon request at any time.
Become a customer in 10 minutes
- Select banking package
- Identify online
- Sign up completely online
Already a customer
Simply open an additional private account free of charge via your e-finance or the PostFinance App.
