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.

Opening an account with the app

You can easily open a private account outside of our opening hours with our app “Open a PostFinance account”.
Find out more

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

  • Ideal as a salary or pension account

  • Free account management available    

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

  • Online shopping without a credit card

  • Free PostFinance Card

    • Annual account statement with interest statement
    • Monthly account statement
    • Unlimited withdrawal options
    • Available as an individual or partner account
  • Account management & withdrawals for the private account in CHF

    Account management Free of charge for customers with assets over CHF 7,500, otherwise CHF 5/month    
    PostFinance Card Free of charge
    Cashless payments in Switzerland and in online shops Free of charge
    Cash withdrawals at Postomats, post offices, Migros, Manor, Spar and SBB counters
    Free of charge
    Cash withdrawals at ATMs

    CHF 2 for withdrawals in Swiss francs

    CHF 5 for withdrawals in euros

    Cash withdrawals at ATMs abroad
    CHF 5
    Electronic or paper account statements, payment and standing orders Free of charge
    Customers domiciled abroad CHF 25/month per account, irrespective of assets

    Current interest rates

    Interest 0.000%
    Debit interest on negative balances 9.50%
  • 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. 

    Want to 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

    Would you like to 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, Account Services Region Berne, Engehaldenstrasse 37, 3040 Berne
  • 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.

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