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 account management from CHF 25,000 in investment assets

  • 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
  • Account management & withdrawals for the private account in CHF

    From 1 July our accounts and services will be bundled together in banking packages.

    Account management

    Free account management from CHF 25,000 in investment assets, with a life insurance plan or mortgage, otherwise CHF 5/month
    Investment assets include:

    • Fund investments (incl. retirement funds within the scope of pillar 3a and vested benefits at PostFinance)
    • Custody account assets in e-trading (excluding cash).
    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 account statements, payment and standing orders
    Free of charge
    Paper monthly account statement
    CHF 1/month
    Customers domiciled abroad
    CHF 25/month per account, irrespective of assets

    Current interest rates

  • 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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