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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.

Get 100 francs

Receive 50 francs when you open a Smart or SmartPlus banking package as a new customer before 16 August 2026. And receive an additional 50 francs when you take out a credit or prepaid card.

Conditions of participation

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 By registering for the SmartPoints bonus programme from PostFinance, you can collect points while shopping with your PostFinance Card and credit card. You can convert the points into money and have them paid out to your account.

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 By registering for the SmartPoints bonus programme from PostFinance, you can collect points while shopping with your PostFinance Card and credit card. You can convert the points into money and have them paid out to your account.
Cash withdrawals

With the PostFinance Card:

  • At Postomats, in Swiss Post branches and with third-party partners With Migros, in the Coop Pronto shops and in Denner, you can withdraw your cash free of charge. (free of charge) 
  • At third-party banks (CHF 2/withdrawal)
  • At banks abroad (CHF 5/withdrawal)
Services
  • E-finance
  • PostFinance App
  • Mobile payment For example, PostFinance TWINT, Apple Pay and Google Pay.
  • Investments, retirement planning and financing After opening the banking package, you can use other PostFinance services, such as managing investment products or taking out a mortgage. 
  • Paper statements (Paper option: CHF 5/month) The digital e-finance statements are free of charge. You can receive statements, order confirma-tions and paper invoices for CHF 5 per 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. If you have invested assets of CHF 25,000 or more, a mortgage or life insurance with PostFinance, you save CHF 5 per month on your banking package. Invested assets include all PostFinance investment solutions such as e-asset management, crypto, e-trading (invested assets), fund self-service, fund consulting basic, investment consulting plus and retirement funds. Credit held in private accounts, savings accounts and medium-term notes are not considered to be invested assets.

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 If you opt for this banking package, you can choose between a free Classic/Standard credit card or Mastercard® Value (prepaid). Alternatively, you will receive CHF 50 discount annually on the Gold or Platinum credit card.
  • Attractive bonus programme By registering for the SmartPoints bonus programme from PostFinance, you can collect points while shopping with your PostFinance Card and credit card. You can convert the points into money and have them paid out to your account.
Cash withdrawals

With the PostFinance Card:

  • At Postomats, in Swiss Post branches and with third-party partners With Migros, in the Coop Pronto shops and in Denner, you can withdraw your cash free of char-ge. (free of charge) 
  • At third-party banks (free of charge)
  • At banks abroad (free of charge)
Services
  • E-finance
  • PostFinance App
  • Mobile payment For example, PostFinance TWINT, Apple Pay and Google Pay.
  • Investments, retirement planning and financing After opening the banking package, you can use other PostFinance services, such as managing investment products or taking out a mortgage. 
  • Paper statements (Paper option: CHF 5/month) The digital e-finance statements are free of charge. You can receive statements, order confirma-tions and paper invoices for CHF 5 per 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. If you have invested assets of CHF 25,000 or more, a mortgage or life insurance with PostFinance, you save CHF 5 per month on your banking package. Invested assets include all PostFinance investment solutions such as e-asset management, crypto, e-trading (invested assets), fund self-service, fund consulting basic, investment consulting plus and retirement funds. Credit held in private accounts, savings accounts and medium-term notes are not considered to be invested assets.

Young adults also only pay CHF 5/month for SmartPlus. New customers up to 23 years of age receive the SmartPlus banking package for a maximum of three years for half the price at CHF 5. As an existing customer between 21 and 30 years of age, you also benefit from this discount if you had the banking SmartYoung or SmartStudents banking package in the previous year.

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)”.

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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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