Partner account

Manage shared finances easily

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One account for two: manage your finances together – fairly and transparently.

What are the benefits of a partner account?

    • Independence: two cards for a single joint account
    • Joint management: manage your finances conveniently in e-finance or the PostFinance App
    • Everything at a glance: keep track of rent, fixed costs and joint expenses easily
    • Secure and flexible: individual logins protect personal data

Who is a partner account suitable for?

A partner account is a joint account for two adults. It doesn’t matter whether they are married, in a partnership or simply friends. The important thing is that both adults trust each other as they manage the account on an equal footing.

Here’s how it works

You can start the process digitally and open your partner account at a Swiss Post or PostFinance branch near you.

  1. Choose a suitable banking package (Smart or SmartPlus)
  2. Complete the form digitally
  3. Receive documents by post
  4. Check and sign documents
  5. Confirm your identity and open an account together at a Swiss Post or PostFinance branch
Find your nearest Swiss Post or PostFinance branch The link will open in a new window

A partner account is always part of a banking package tailored to your life situation. You can choose between the Smart and SmartPlus banking packages.

Please note: regardless of whether you already have your own banking package, the fees for the selected Smart or SmartPlus banking package will apply to the partner account. 

DetailsSmartSmartPlus
Details
Costs
 Smart
CHF 5/month
 SmartPlus
CHF 10/month
Details
Accounts and cards
 Smart
  • Private account in CHF, EUR or a foreign currency
  • Savings account in CHF or EUR
  • PostFinance Card
 SmartPlus
  • Private account in CHF, EUR or a foreign currency
  • Savings account in CHF or EUR
  • PostFinance Card
  • Credit card 
Details
Cash withdrawals
 Smart

With the PostFinance Card:

  • At Postomats, Swiss Post branches and third-party partners (free of charge) 
  • At third-party banks (CHF 2/withdrawal)
  • At banks abroad (CHF 5/withdrawal)
 SmartPlus

With the PostFinance Card:

  • At Postomats, Swiss Post branches and third-party partners (free of charge) 
  • At third-party banks (free of charge)
  • At banks abroad (free of charge)
Details
Services
 Smart
  • E-finance
  • PostFinance App
  • Mobile payment 
  • Investing, retirement planning and financing 
  • Paper statements (paper option: CHF 5/month) 
 SmartPlus
  • E-finance
  • PostFinance App
  • Mobile payment 
  • Investing, retirement planning and financing 
  • Paper statements (paper option: CHF 5/month) 
  • Premium discount of 10% on PostFinance property insurance 
Details
Discount on banking package
 Smart
If you combine a Smart package with a PostFinance mortgage, life insurance or invested assets, the banking package is free of charge. 
 SmartPlus

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

Young adults also pay just CHF 5/month for SmartPlus. 
Details
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 Smart
Open Smart banking package now
 SmartPlus
Open SmartPlus banking package now
  • Payments and standing orders: pay invoices or start, modify or pause standing orders – all conveniently in one account
  • Budget and categories: joint budget planning with categories (e.g. household, purchases, leisure time)
  • Reports and notifications: live push notifications for card turnover, cost of living overviews, export of account statements
  • Roles and approvals: individual logins for clear rights and comprehensive transparency
  • Two cards: pay independently, but with a joint overview

  • With a partner account, you can manage your finances together both for everyday life and travel. This gives you transparency, reduces the amount of coordination needed and strengthens your financial partnership.

  • Yes. A partner account is a good option for those wanting to manage their expenses centrally in pairs and who trust each other.

  • Both account holders receive their own debit card. The SmartPlus banking package includes your own credit card. If desired, a credit card can also be added to the Smart banking package for a fee.

  • All joint expenses should ideally go through this partner account. This will help you keep your budget and expenses under control. 

Smart banking package

Open your partner account for 5 francs/month in the basic package.

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SmartPlus banking package

Open your partner account as an all-inclusive package for 10 francs/month.

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