PostFinance Card in EUR

Shop conveniently in-store and online

The PostFinance Card in EUR is your free card for your private account in EUR. Thanks to the combination with Debit Mastercard®, you can shop or withdraw cash with ease worldwide. With no currency conversion losses for withdrawals in EUR.

Mobile wallets

Mobile wallets such as Apple Pay and Google Pay make payments easier than ever before. With just one click, you can make contactless payments securely worldwide.

PostFinance Card in EUR: no conversion losses for withdrawals of EUR

  • Global acceptance: use your card wherever Mastercard is accepted

  • Pay with Apple Pay, Google Pay and other providers

  • Use your card for contactless payments worldwide

  • Manage your settings (e.g. block card, order PIN) yourself in the PostFinance App or in e-finance

  • Withdraw cash in EUR or CHF at Postomats, ATMs and post offices throughout Switzerland

  • Withdraw cash worldwide at ATMs

The PostFinance Card is recognized worldwide as a payment method. You can use your card wherever either the PostFinance or the Mastercard logo is displayed.

As a universal payment solution, the PostFinance Card is your straightforward companion for all your purchases. You can also withdraw cash worldwide. Purchases and withdrawals are debited directly to your private account.

Precondition

You must have a PostFinance private account in EUR to obtain a PostFinance Card in EUR.

Mobile payment solutions

You can add your PostFinance Card to your smartphone or wearable (e.g. smartwatch) and pay conveniently with Apple Pay or Google Pay – everything is fast, secure and contactless.

Make payments in online shops

With your PostFinance Card combined with Debit Mastercard you can pay in online shops worldwide. In the shop, select “Mastercard” and follow the instructions.

Make payments via Mastercard – how to proceed

In the online shop, select the “Mastercard” and follow the instructions. In most cases, you will have to enter the following data from your card (additional checks are at the merchant’s discretion):

  • Card number
  • Card expiry date
  • Card verification number

Secure payments

When paying in online shops, you may be prompted to confirm your purchase. If you have not activated 3-D Secure, your PostFinance Card is not enabled for all online purchases, and your payment may be terminated.

Activate 3-D Secure for your PostFinance Card quickly and conveniently in the PostFinance App or in e-finance. You must have a Swiss mobile phone number.

Make contactless payments

The contactless function allows you to pay amounts up to CHF 100 with the PostFinance Card and up to CHF 80 with credit cards without entering your PIN. The limit is CHF 80 for purchases processed with the Debit Mastercard. Simply hold your card against the payment terminal, and your purchase is complete. For amounts above the limit, you will also need to enter your PIN.

Make payments in shops

Your PostFinance Card is accepted wherever the PostFinance or Mastercard logo is displayed.

Entering your PIN is always required for the first contactless payment.

Cash withdrawals in Switzerland

Cash withdrawals at ATMs in Switzerland are free of charge with the SmartPlus, SmartYoung or SmartStudents banking package. With the Smart banking package, withdrawals of euros cost CHF 5 and withdrawals of Swiss francs cost CHF 2.

Cash withdrawals abroad

Please note the information on withdrawing money at ATMs in the Mastercard networks. The information does not originate from PostFinance and no responsibility is accepted for its accuracy.

Card security

Activating geoblocking blocks the option of withdrawing cash via the magnetic strip. This ensures effective protection against skimming.

WithdrawalsIn EUR
Withdrawals
Cash withdrawals per day
In EUR
EUR 800
Withdrawals
Goods purchases per day for online shopping
In EUR
EUR 2,000
Withdrawals
Monthly limit per card
In EUR
EUR 4,000
Withdrawals
Monthly limit per account
In EUR
EUR 4,000
Withdrawals
Withdrawals at post offices
In EUR
Account balance in terms of cash holdings

Set withdrawal limits

You can set the withdrawal limits yourself in e-finance, in the PostFinance App or by telephone.

Other limits

  • ATMs: Maximum withdrawal amount depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
  • Post offices: Please note amount limits applicable at the The link will open in a new window location selected.

The PostFinance Card in EUR is free of charge.

Cash withdrawals

Place of useCost of cash withdrawals
Place of use
Postomats
Cost of cash withdrawals
Free of charge
Place of use
Post office counters
Cost of cash withdrawals
Withdrawals in Swiss francs: free of charge
Withdrawals in euros: 1% of cash sum withdrawn
Place of use
ATMs in Switzerland
Cost of cash withdrawals

Smart banking package:
CHF 2 for withdrawals in Swiss francs
CHF 5 for withdrawals in euro

SmartPlus, SmartStudents and SmartYoung banking packages: free of charge

Place of use
ATMs abroad
Cost of cash withdrawals

Smart banking package: CHF 5 
SmartPlus, SmartStudents and SmartYoung banking packages: free of charge 

Place of use
Purchase of goods/services
Cost of cash withdrawals

A processing fee of 1.5% applies on purchases made abroad (goods or services bought in shops and onlineincl. online shops of foreign retailers).

This also includes recurring services (e.g. music subscriptions) from online shops that are processed abroad.

Card blocking and card replacement

Card blocking

Via hotline/customer advisor
Via e-finance/PostFinance App

 

CHF 20 per report
Free of charge

Card replacement

Via hotline/customer advisor
Via e-finance/PostFinance App

 

CHF 40 per card
CHF 25 per card

  • The maximum amount for cash withdrawals depends on the terminal. Amounts that exceed the terminal limit can be withdrawn in several instalments. Any applicable fees are charged for each withdrawal.
  • There is a monthly limit if multiple cards belong to the same account (e.g. partner account). The limit per account is defined here on the basis of the limit per card.

  • You can enter individual card limits directly in e-finance or the PostFinance App.

    Go to information on adjusting withdrawal limits

  • Choose ATMs that don’t charge any commission or withdrawal fees. If fees apply, they will be indicated during the cash withdrawal. If this is the case, cancel the operation and find another ATM.

  • You can block/unblock your PostFinance Card or order a replacement card quickly and easily online.

    Go to block/unblock card or order replacement card

  • Yes, you can still log into e-finance with your PostFinance Card and the card reader.

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