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.

The PostFinance Card has become a lottery ticketThe PostFinance Card has become a lottery ticket

More month than money left over again? We play the PostFinance Card Lotto on the 20th of every month: entertaining draws and great prizes await you. Private customers with a PostFinance Card are automatically entered into the prize draw. You don’t have to do anything more, and you’ll be notified automatically if you win.

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

  • PostFinance Card combined with Debit Mastercard: pay in online shops and in stores worldwide

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

  • Withdraw cash worldwide at ATMs

  • Contactless payment: fast and convenient

  • Precondition

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

    Make payments in shops

    You can pay with your PostFinance Card wherever the PostFinance logo is displayed. The card is also accepted wherever the Mastercard logo is displayed.

    When making your first contactless payment, a transaction using your PIN is required.

    Make payments in online shops

    You can pay with your PostFinance Card in online shops. Where this option is not available, select “Mastercard”. This means you can pay with your PostFinance Card in online shops worldwide.

    Make payments via Mastercard – how to proceed

    In the online shop, select the “Mastercard” option 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

    Pay securely in online shops

    Pay securely with your PostFinance Card. If you make the payment with Mastercard, the globally accepted 3-D Secure procedure is used. Complete a one-time activation for 3-D Secure now.

    Precondition: Swiss mobile phone number

    In e-finance

    Activate 3-D Secure in the credit card settings in e-finance.

    In the app

    Activate 3-D Secure in four steps in the PostFinance App.

    1. On the app homepage choose “More”
    2. Tap on “My cards”
    3. Select the card for which you want to activate 3-D Secure
    4. Activate 3-D Secure in the card settings

    Without e-finance or app

    Activate 3-D Secure by The link will open in a new window entering your card data. It takes several working days to complete the registration.

    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. Since 13 December 2022, cash withdrawals at ATMs have only been be available with the PostFinance Card combined with Debit Mastercard.

    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. Since 11 september 2023, cash withdrawals abroad have only been available with the PostFinance Card combined with Debit Mastercard.

    Card security with geoblocking

    Activate geoblocking to restrict cash withdrawals made with the PostFinance Card to specific geographical areas abroad.

  • 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

    Calls from Switzerland: 0848 888 700 (max. CHF 0.08/min. in Switzerland)
    Calls from abroad: +41 58 667 99 85

    Other limits

    The maximum amount per day 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. The PostFinance Card may only be used for recurring payments online up to a specified monthly limit: CHF 1,500 or EUR 1,300 per month. The PostFinance Card may only be used for one-off payments online up to a specified monthly limit: CHF 500 or EUR 350 per month. If there are multiple cards belonging to the same account (e.g. partner account), the monthly limit is applied per card.

  • 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).

    Card blocking and card replacement

    Card blocking

    Via hotline/customer advisor
    Via e-finance

     

    CHF 20 per report
    Free of charge

    Card replacement

    Via hotline/customer advisor
    Via e-finance

     

    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.
    • For amounts up to CHF 500 or EUR 350 per month, the card and ID number of the PostFinance Card must be entered in the payment screen.

      For amounts exceeding this limit, the personal PIN for the PostFinance Card and the card reader are also required.

    • If there are multiple cards belonging to the same account (e.g. partner account), the monthly limit is applied per account.
    • Individual card limits are possible but must be discussed with the person handling the account.
    • 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.

This might interest you too