Private account in CHF

For your everyday payments and finances
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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

    • Pay in all shops worldwide with your smartphone
    • Shop online with a free debit card, no credit card necessary
    • Keep an eye on your finances at all times in e-finance and with the app

  • Use for yourself or with a partner

More than just an account – your all-round banking pack-age

Open your private account directly online in the banking package  for just CHF 5 per month.

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Private accounts in banking packages

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

Interest rates

  • Interest rate of 0.00%
  • Debit interest for negative balances: 9.50%

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 customer service desks, 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

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
  • Cash withdrawals are possible at the Customer Service checkout.
  • 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.

  • The identity of the account holder is verified quite easily – either in a PostFinance or Swiss Post branch, or via an online video chat.

  • You only need your identity documents to open an account (passport or ID).

  • Yes, PostFinance now only offers private and savings accounts and the PostFinance Card as part of one of the two banking packages. Depending on how you use our services, choose the banking package that suits you best. You can switch your banking package at any time. Banking packages are free of charge for young people.

  • Yes, you can open your private account in Swiss francs online in just five minutes.

  • To open an account in Swiss francs, you must be of legal age and reside in Switzerland. Customers up to 20 years of age receive a youth account. Those who are not yet of legal age require the signature of a parent or legal representative to open the account. For more on youth accounts: Youth account | PostFinance

  • When opening a bank account, you can also sign up for the online banking solution, e‑finance. Your account documents can be downloaded directly from there. You save five francs per month by not using the paper option and by carrying out your banking transactions in e-finance.

  • Electronic payments and standing orders (via e-finance/PostFinance App) and setting up standing orders online (in e-finance/PostFinance App) are free of charge within Switzerland.

  • Manage your finances when and where you like with our mobile banking solution, the PostFinance App. Whether you want to get an overview of your account balance or transactions, or simply want to set up and approve payments – with e-finance you can manage your finances independently, any place, any time. Whether via computer or smartphone – you’re always in full control.

  • The PostFinance Card in Swiss francs is free of charge and comes with your private account in Swiss francs. The PostFinance Card combined with Debit Mastercard® enables you to withdraw cash worldwide and shop conveniently online or in stores throughout Switzerland and abroad.

  • The free youth account from PostFinance is aimed at young people up to 20 years of age. With this account, you’re in full control of all your daily financial transactions. Additionally, young people between 18 and 30 years of age and in education may also benefit from a student account. For more information on youth accounts: Youth account | PostFinance

  • Yes, the PostFinance account can be opened as a partner account, household account or a flatshare account.

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You already have a PostFinance account

Open an additional private account.

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