Private account in CHF

The ideal salary or pension account

The private account in CHF from PostFinance is a basic account for people from 20 years of age and is ideal as a salary or pension account. You can also use our online and mobile banking with e-finance and the PostFinance App, making it easy for you to take care of your day-to-day financial transactions.

Private account in CHF: for private customers from 20 years of age

  • Ideal as a salary or pension account

  • Free cash withdrawal at all post offices, Postomats, Migros, Manor, Spar, SBB, at Coop Pronto shops and Denner

  • Online shopping without a credit card

  • Free PostFinance Card

    • Available as an individual or partner account
    • Unlimited withdrawal options
    • Monthly account statement
    • Annual account statement with interest statement
  • Private accounts in banking packages

    Private accounts are managed in the Smart banking package or the SmartPlus banking package. 

    Cash withdrawals

    Place of useCost for the cash withdrawal
    Place of use
    PostFinance Card
    Cost for the cash withdrawal
    Free of charge
    Place of use
    Postomats
    Cost for the cash withdrawal
    Free of charge
    Place of use
    Swiss Post counters
    Cost for the cash withdrawal
    Free of charge
    Place of use
    Migros and Manor customer service desks, Spar, SBB and private railway counters, Coop Pronto shops and Denner
    Cost for the cash withdrawal

    Free of charge

    Place of use
    ATMs in Switzerland
    Cost for the cash withdrawal

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

    SmartPlus banking package: free of charge

    Place of use
    ATMs abroad
    Cost for the cash withdrawal
    Smart banking package: CHF 5
    SmartPlus banking package: free of charge

    Domicile abroad

    CHF 25/month per account, regardless of assets

    Current interest rates and customer asset fee

  • Whether you want to close your current bank account or want to pay your salary into your private account, we’ll be happy to help. 

    Close your current bank account

    You can close your current bank account with the following cancellation letter.

    1. Please fill in at least the first page
    2. Sign the form
    3. Send it to your current bank

    Have your salary paid into your private account

    You can use the following transfer form to have your salary credited to your private account.

    1. Please fill in the form
    2. Sign the form
    3. Send the form to: 
      PostFinance Ltd
      Scan Center
      3002 Bern
  • Where can I withdraw cash at Migros and Manor?

    Cash withdrawals are possible at the Customer Service checkout.

    What is the private account overdraft limit?

    The account must not be overdrawn. For customers who pass a creditworthiness check and receive regular credits, PostFinance may grant an overdraft limit of CHF 1,000, which can be changed upon request at any time.

Open an account instantly on your smartphone

For new customers. Your account is ready for you in just a few minutes.

Open an account online

For existing customers and new customers without a smartphone.

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