A banking package – all in one
You’d like to open an account but you don’t know which one suits you? Our accounts are always available as a banking package, tailored to every stage of life – from training to retirement. Banking packages offer accounts, cards and digital services tailored to your needs.
Whether you want to make payments, shop online or pay worldwide with a credit card and foreign currency account – our banking packages are tailored to the requirements of different stages of life. Your banking package grows with you and adapts flexibly to your individual life situation. That way you get exactly what you need today – and tomorrow, too.
The right banking package for every stage of life
Our banking packages are tailored to different stages of your life – they accompany your account management from the first time you receive pocket money to the moment you retire and beyond. Each banking package combines exactly the functions that are particularly important at each stage of life. Get an overview now and find the offer that best suits your current life situation.
SmartKids - free of charge For children up to the age of 11
SmartYoung - free of charge For young people aged 12 to 20
SmartStudents - free of charge For apprentices and students aged 18 to 30
Smart / SmartPlus: CHF 5 per month / CHF 10 per month For everyone aged 21 and over
Questions and answers
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A banking package combines an account with the services that suit your age, stage of life and activities, including app access, bonus interest for savings and cards for international use. This allows you to combine and use exactly the services that make sense for you. Private and savings accounts as well as a PostFinance Card and credit cards are available with PostFinance banking packages.
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Yes, switching is very easy: whether from the SmartKids children’s package to the SmartYoung youth package or later on to SmartStudents, Smart or SmartPlus with credit card included – the switch is straightforward and takes place automatically according to your age. Your IBAN always stays the same, so that your account details remain unchanged and your account management is always in line with your life situation.
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Our banking packages are free of charge for children, young people, apprentices and students in accordance with the current conditions. Monthly fees are charged for the Smart and SmartPlus packages for professionals and pensioners. In return, SmartPlus includes a free or discounted PostFinance credit card of your choice – particularly attractive for frequent travellers. You can also combine Smart and SmartPlus with other PostFinance services, reducing the fees for other financial services. Whichever package you choose, you will always benefit from fair and transparent account management.
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A banking package combines all the important features required to manage accounts securely and sustainably – all in one clear service. The Smart and SmartPlus packages for professionals and pensioners provide services such as a salary or pension account and digital tools for your financial planning, such as an integrated household account book. Apple Pay, Google Pay and virtual cards also give you flexibility when you’re on the go or shopping online. And a special feature of SmartPlus: a credit card with integrated insurance coverage – ideal for travel or larger purchases.
Other advantages
- Paperless banking
- Round-the-clock customer support via app, chat or telephone
- Carbon footprint tracking for your payments
That way, you can keep your finances under control at all times – digitally, efficiently and future-oriented.